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Mobile Device Protection Association

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WARNING: Mobile Device Protection is A Fraudulent Company
Posted by on
BOCA RATON, FLORIDA -- First off sorry but this is going to be long.

I bought my phone from Sams Club over the phone, I bought the Epic G4. I was offered insurance from this company through them and not knowing it was a third party company this whole time I believed it was through Sams. I asked what it covered they said it covered loss-theft-repair including water damage, with the option or replacing or repairing my phone 3 times in a year.

So on August 14, 2011 I traveled to my sister's wedding where it was a hectic day, I woke up late and rushed out the Hotel to meet up with the wedding party at the beauty salon, once there I used my phone for several calls and clipped my phone to the side of my hand bag because that day I was wearing a dress, with no option to clip the phone on me.

I wasn’t prepared for what follows. This is a copy and paste from my contact with this company.

I lost my Samsung Epic we traveled to my sisters wedding over the weekend, and I am not entirely sure if I left it at the beauty salon or if it was stolen it was a very hectic emotional day, the worst part is that I had a lot of photos on my memory card. Can I summit a replacement request???

Best Regards,

On 08/16/2011 @ 1:58 PM MDP wrote:
Please provide details as to how and when the loss of your cell phone occurred. Once this information is received, it will be forwarded to your Account Manager for processing.

On 08/17/2011 @ 1:15 PM you wrote:
I submitted a request yesterday and I have not received information. When do I receive a replacement, I have been without a phone since Monday how long does it take???? being disconnected is no fun.

On 08/17/2011 @ 1:37 PM MDP wrote:
The additional information you have provided was received and has been forwarded to your Account Manager for processing. Please allow 24 hours for a reply.

On 08/18/2011 @ 2:47 PM MDP wrote:
I'm sorry to inform you that your Request for Service RFS has been denied. A letter with further details has been forwarded to you via your email address of record.

This letter is in reference to the above captioned request for service (RFS). The loss was reported to our office on August 16, 2011.

As stated in your Request for Service: “I lost my Samsung Epic we traveled to my sisters wedding over the weekend, and I am not entirely sure if I left it at the beauty salon or if it was stolen it was a very hectic emotional day, the worst part is that I had a lot of photos on my memory card. Can I summit a replacement request??? Best Regards, xxxxxxxx xxxxxx”

Therefore, the following exclusion applies to this request for service:

“UNEXPLAINED DISAPPEARANCE & UNSECURED”

MDPA requires that reasonable care and control be exercised at all times. Based on the above listed exclusion, we cannot consider this Request for Service for payment.

Should you have any questions, contact MDPA Customer Service Dept. via e-mail at customer. service@mobiledeviceprotection.com or via fax at 561\721-0385.

We regret any inconvenience you may have been caused.

Sincerely,

MDPA Membership Committee

(at this point I reply to them via Email and not through their website but my husband does log in to write as I am obviously very upset.

On 08/18/2011 @ 3:49 PM you wrote:<<<----MY husband wrote to them on this occasion
Hello,

My wife has submitted a claim on a lost/stolen phone and it has been decline because of insufficient information. The phone was stolen from a beauty salon this past weekend. Her phone was located on the side of her handbag with a clip case. We asked all our family members if anyone had picked the phone up and everyone answer was "NO", There were other customers not related to her sisters weeding on the same beauty salon. we believe that the phone was stolen by someone not related to us. She did not realized that the phone was stolen until later Sunday afternoon. she did not make a claim soon after because we did not carry a laptop with us. If you need more information on the facts please feel free to call us. ( 832-xxxx- or 281-xxxxx (home)

Regards,
Jxxxxx

On 08/18/2011 @ 4:11 PM MDP wrote:
The information you have provided was received and has been forwarded to your Account Manager for processing. Please allow 24-48 hours for a reply.

On 08/19/2011 @ 2:37 PM MDP wrote:
Sorry to hear that your phone was lost/stolen. Your case has been forwarded to our Fraud Protection Unit. In order to expedite your request we require you get a police report and forward it to us by fax 561721-0385 or email, customer. service@mobiledeviceprotection.com. Once this is received we will be able to flag the ESN/IMEI number of that phone so if someone is using your phone, or tries to activate it, we will be notified. At that time the phone will be confiscated and the person holding the phone will be prosecuted to the fullest extent of the law.

We are here to assist you the quickest way possible. We appreciate your assistance with this matter and if you have any additional questions, please contact Fraud Protection Unit’s liaison, Stacy at 561-721-0358 x114 or email at stopfraud@mobiledeviceprotection.com.

On 08/19/2011 @ 3:41 PM you wrote:
Please advise me, the phone was stolen at Wimberley TX. We traveled there for the wedding of my sister. Do I file the report with Houston Police? The wedding took place 4 hours drive time from our home. and driving to Wimberley to file a report is out of the question. I truly just want this issue resolved.

On 08/19/2011 @ 3:43 PM MDP wrote:
You can call your local precinct to see if they will file a report for you, if not, ask them to please provide you with the information for the appropriate precinct to file the report.

On 08/20/2011 @ 4:10 PM you wrote:
I drove out 20 miles to my nearest police station to Precinct 4 so that I could file a property theft report. The officer that I spoke to informed me that I could not file the report there because the criminal act had occurred in Wimberley TX, therefore the report had to be made there.

As I mentioned before drive time from Houston to Wimberley is 4 hours, I simply can't afford the time or money to drive there. Your website states that a property theft report "Might" be required. What is the next step since I cannot file here and I cannot drive to Wimberley to file a report?? My cell phone ESN: is 256-xxx-xxx I called Sprint today and they provided me with this information. Tomorrow will be day 7 of being with a mobile device and this is proving to be way more hassle than I expected.

On 08/22/2011 @ 9:03 AM MDP wrote:
The additional information you have provided was received and has been forwarded to your Account Manager for processing. Please allow 24 hours for a reply.

On 08/22/2011 @ 10:40 AM you wrote:
I provided the previous information more than 24 hours ago. Your company is treating me like if I am the criminal, I did not purposely get my phone stolen. I paid for an insurance service because I wanted to avoid being without a mobile device in case damage/loss/theft occurred. My phone was stolen while on a family trip, I am the victim of a theft crime but I'm also starting to feel like a victim of injustice by Mobile Device Protection. Today marks 8 days without a cell phone and 7 days without resolve to my claim.

On 08/22/2011 @ 10:52 AM MDP wrote:
Please be advised that we are closed on weekends. Your RFS has been forwarded to an Account Manager for processing. Please allow 24 hours for a reply.

On 08/23/2011 @ 1:04 PM you wrote:
Staying connected is vital for me,
MDPA has NOT been There to for me.
As careful as I was about safeguarding my cellular device, thieves still found a way to steal it.
MDPA has NOT provided me the peace of mind that as a consumer I can rely on to stay connected.

I am staring to feel frustrated, anxious and even reluctant to leave my house for fear or needing my phone for an emergency, I am a mother of two and rely on my device to stay connected with baby sitters, business clients, friends and family, my phone is my gate way to organization and schedules. So every day that MDPA goes by without giving my case a satisfactory solution is a day I loose from all that is vital for me.

I feel like I am begging you to please replace my stolen phone, Why am I begging you???? I paid for an insurance service and peace of mind. So far I don't feel insured or peace of mind.

On 08/23/2011 @ 2:38 PM MDP wrote:
Please be advised that we requested a Police Report copy on 8/19/11 and still has not received it.

On 08/23/2011 @ 3:06 PM you wrote:
Please be advised, that the theft occurred 4 hours drive time away from home. Also Please be advised that I did try to file one here in Houston but was unable to. Also Please be advised that incidents like mine can happen where a Police Report is out of hands. I have proof that I traveled starting from the wedding invitation, and hotel receipts. Also PLease don't tell me that this new INFO will TAKE 24 Hours to Process... How are you BBB approved, MDP is treating my like if I am committing a fraud and I have to first prove my innocence to be considered a victim of theft.

On 08/23/2011 @ 3:11 PM MDP wrote:
I have forwarded your information to the account managers.

On 08/23/2011 @ 3:17 PM you wrote:
I need MDPA to honor my insurance that I purchased, I need MDPA to acknowledge that I tried to file a report within my Precinct, I need MDPA to acknowledge that the mobile device theft occurred while out of town, it is impossible for me to drive 8 hours total just to file a police report? how is that peace of mind or being covered by the company I trusted to cover my repair/or replacement of my mobile device????? I am not in the wrong I have what MDPA asked me to do explain with detail how my phone was stolen, I can't FORCE the Precinct to file a report for me and I can't lie to them and tell them the theft occurred in Houston just to acquire a report, I can't take days off work to file a report in Wimberley I would need to arrange for time off and also arrange the care of my children in my absence all that amounts to loss of money and time. Is there a Manager on Duty I can speak to this whole messaging back and forth is getting was more frustrating each day. I need resolution I HAVE DONE NOTHING WRONG.

On 08/23/2011 @ 3:22 PM MDP wrote:
You can make a report over the phone for the appropriate precinct. The rest of these issues have been forwarded to your account manager, please be patient regarding a response. Thank you for contacting MDPA.

On 08/23/2011 @ 5:09 PM you wrote:
I called Wimberley Texas Police.

Officer John Craixx Bxx # 1xxx took my call. He took down the information I provided him with. He provided me with a case # Cxxxxxx (READER.... do know that the police won't take a report over the phone you could be any one claiming anything, the officer was nice enough to generate a case number for me and prove me with his name and badge number to make my claim with MDPA easier, but no actual theft report was ever filled.)

On 08/23/2011 @ 5:14 PM you wrote:
I hope that the information provided is sufficient to file a RFS request and approve a mobile device replacement.

On 08/24/2011 @ 12:54 PM MDP wrote:
Your Request for Service has been approved and a new phone has been ordered. Your phone will be shipped within 24 hours to your address of record which can be modified at our web site when you click on EDIT ACCOUNT INFO. Please confirm that you can receive your phone at this address. Additional delivery information will be available once the phone is shipped.

On 08/24/2011 @ 1:51 PM you wrote:
Thank You, Yes the phone can be shipped at
1xxxxxxxxx
Houston TX xxxxxxxxx

On 08/24/2011 @ 2:15 PM MDP wrote:
Thank you for verifying your address.

On 08/24/2011 @ 4:14 PM MDP wrote:
Your RFS was approved and a phone was sent to you. The tracking # is 94xxxxxxxxxx and it was sent via USPS. Please note that you may not be able to track your order until 12-24 hours after it has been shipped.
Thank you for contacting MDPA.

A this point I receive a replacement phone via USPS on Friday morning but the battery is completely dead and I have to fully charge it to activate it, so as anxious as I am I must wait, At 7:00 pm I call Sprint SURPRISE the rep, tells me that the phone cannot be activated because the DEC number the one phone is a Flagged number as stolen or lost. Not happy with it I call Sprint again, once again another representative tells me ''sorry the phone is flagged I can't help you.''

I then begin searching for clues in the packaging of the phone for a number I can call to resolve my issue. the Phone arrived with MDPA address on the label of the envelope. The envelope contained a small white/yellow box with Sprint logo (Peace of mind is moments away) on it and Asurion logo (Your Technology Protection Company) The inside lid of the box has the following imprint {If you have any issue with tis replacement device, please contact Asurion at WWW. xxxxxx or call 1.800xxxx. The phone inside the box looked brand new but on the back behind the battery slot it has a sticker that reads Asurion(Remanufactured)

I start to thinking MDPA and Asurion are linked and work together and there must be a way to fix my dilema by calling Asurion,

I call Asurion and to my surprise they tell me they have never heard of MDPA and that in fact the phone is registered as being one of theirs, and that the phone is flagged and that they can't un-flag it. I speak to a Manager and he takes my call serious asking for my contact info. And informs me that he will submit my case to upper management because MDPA is sent me a replacement phone with Asurion's Logo and Contact info.

At this point I have a replacement phone that I can't activate, its the weekend and MDPA is closed on weekends and only open till 4 on weekdays.

I am disappointed that Sams Club would endorse such a Company the web is flooded with complaints and bad reviews about MDPA.... I trusted Sams to endorse a good Company not this Clowns. I did call Sams but the representative blew me off, telling me that I needed to set my complaint with MDPA.

SO I write to them again....
On 08/26/2011 @ 9:22 PM you wrote:
Is this some kind of twisted JOKE..... first you deny my RSF request, after that you guys make me jump through hoops for a RE-TRAIL..Once you decide you have made me BEG enough, you approve it. A after that you give me a UPS tracking number that never worked.. and all that would have paid off if only I was already connected and with a replacement phone.

The phone sent is a flagged phone for LOST/STOLEN therefore I cannot activate it. really?????? I contacted Asurion and they have never heard of Mobile Device Protection, How is it that your company sent me a phone through them?????

Please be advised that at this point I am ready to file a Complaint with BBB.

The flagged DEC number on the phone you guys sent me is xxx x xx xx

Also please don't insult me ever further telling
The information you have provided was received and has been forwarded to your Account Manager for processing. Please allow 24-48 hours for a reply.

I want a response faster than that, I am tired of sending emails, your customer service is pathetic, I should be able to talk to a live representative for fast answers and results.

( I am waiting for Monday to roll around and see what this clowns have to say)

     
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jktshff1 on 2011-08-28:
Interesting in that when you supplied the police report as requested, they sent you a phone. However, the ensuing nightmare is uncalled for.
At Your Service on 2011-08-28:
I have to agree, in part, with jktshff1. The whole issue started because the information you provided clearly stated your phone may have just been lost. It was good for them to reconsider your request and accept the information of a case number that was finally provided.

Very true, though, that the ensuing issues with not being able to activate the phone is uncalled for.

Let us know what happens.
trmn8r on 2011-08-28:
I am also very impressed that the insurance ultimately covered the loss of this phone due to unknown reasons.

Thus, while *getting* the replacement was arduous, I understand why the insurance company did not simply send a phone based on your initial claim.

Could the activation problem be related to the fact that your old phone is flagged as lost/stolen, and thus your account is frozen? I don't know how that works. Seems to me you just need to wait until the party that can help you is at work - they came through with the phone, so there isn't anything to gain from contacting the BBB.
Frida on 2011-08-28:
My phone had to be stolen, I know it was a hectic day and initially believed I was clumsy enough to leave it behind. In an email I sent to them after they denied me, I specify step by step who I called when I called I even went into my call records online, and after much meditation I do recall clipping the phone back onto my purse, So either it fell off or it was stolen.

Sprint informs me, that the DEC number other wise known as the serial number on the replacement phone is Flagged. So it has nothing to do with my stolen phone my account is not frozen I can activate any other phone, but it has to be one cleared for activation.

My theory-- and this is only an assumption, MDPA bought the phone on eBay and sent it to me. At this point I doubt they have an inventory of phones on hand. I have come across many complaints of customers whose claims are denied.

The most interesting one was one I read of a guy ridding his bike, he fell off and fell on his phone those breaking the screen, his claim was denied. "for being negligent"
Frida on 2011-08-28:
What really has me intrigued is, The Asurion box. with Asurion Contact info and Asurion sticker on the phone.

Asurion is a mobile device Insurance. BUT has no connection to MDPA.
Anonymous on 2011-08-28:
Insurance companies are required to do a full investigation, and on incidents pertaining to theft, an accompanying police report is usually mandatory. Otherwise, just about anybody could claim their item was stolen and get a "free" one, whether it was or not. We're not insinuating that to be the case here, but you have to see it from their point of view as well.
Frida on 2011-08-28:
@ justice-4-All. I have had the need to replace as well as repair a phone in the past but always directly through Sprint. Never did I have to go through an investigation of sorts to replace a phone Sprint simply tagged my old phone's serial number as flagged and while I received one in the mail I even got a temporary phone from my local Sprint Store so I would continue to be connected.

Plus do note that the sales person did tell me it covered loss-theft-repair and even water damage. I was wrongfully sold on a false statement, because as further reading on their site they state they so not cover liquid damage. MDPA is just SHADY....
Anonymous on 2011-08-28:
Trial and error with different companies is the only way we find our likes and dislikes in life. It seems the OP experienced one of those life lessons. Thanks for the review and warning others of your experience.
Anonymous on 2011-08-28:
OMG! Frida! Reading this made my head hurt! I cannot even imagine the frustration that you and your husband are feeling. I honestly do not know what to say. You have jumped through so many hoops, did everything that was asked of you only to have this happen? I am not speechless very often . . . but this time . . .
Frida on 2011-08-28:
Come on' they tell customers submitting a claim for LOST phone. "sorry but you were negligent" really???? I though insurances are supposed to cover you in case of accidental damage or loss. Plus further more Theft. Customers pay for a service for peace of mind to stay to connected to insure an investment.
Anonymous on 2011-08-28:
You're right. I have Asurion and this makes me wonder what would happen if I had this situation. I don't have the same confidence in the service should I ever need it that I had before.
Frida on 2011-08-28:
Thanks, to those who are sympathetic to my issue.. I can Say Asurion is a great company never had an issue, they do ask for a deductible when loss or theft or repair. If the issue by manufacture within the year of purchase then the replacement is free.
At Your Service on 2011-08-28:
The problem becomes that everyone is going to state, "The salesman absolutely said ...". What a customer believes they remember and what is actually said can be two different things. It's why it's so important to get things in writing.
Anonymous on 2011-08-28:
At Your Service, we have all relied on what we are told by salespeople. I don't think the blame should be passed on to the customer. Granted we should get things in writing and read it but that doesn't excuse the salesperson from misleading the consumer.
jktshff1 on 2011-08-29:
John, you are on a roll!
Frida on 2011-08-29:
Trust me in the past I have accidentally dropped my phone in the toilet, I have jumped in the pool forgetting my phone still on my pocket, I have accidentally dropped a drink on my phone. I have dropped it cracking the screen, I have had many phones replaced for various reasons but never for theft.

Knowing how accidents have happened to me through the 15 years I have been a cell phone owner...

I asked
Does it cover loss? YES
Does it cover repair? YES
Does it cover theft? YES

What is the Deductible ? there is no deductible.
How many times can I submit a claim? the insurance of for a full year in that time it covers 3 phones with no deductible.

all this questions I asked and wrote them down on my agenda as I was speaking to the rep. that sold me the device protection plan.

I wrote them down, because my spouse would sure to ask what all did they say it covered.
Frida on 2011-08-29:
The one and main question I asked more than once was does it cover water damage? YES

Are you sure it covers liquid damage? YES
Anonymous on 2011-08-30:
Frida, you asked all of the right questions. Some here will find fault with what the customer does no matter what. Just take the comments with a grain of salt. There are plenty of us who understand where you are coming from. :)
RebeccaShift on 2012-09-10:
Seems like maybe that Sams club sold you under false pretenses... never go by what people say. You should have called the main company and asked them.
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Mobile Device Protection Association is a "RIP OFF COMPANY"
Posted by on
Rating: 1/51
WEST PALM BEACH, FLORIDA -- Do not let the company you are buying the phone from talk you into buying insurance for your phone from Mobile Device protection because MDPA is a rip off company. I bought two Samsung Galaxy S2 Epic 4g Touch from Wirefly and they talk so nice about Mdpa and it sounds good it was a dollar less per month than if I was to take the insurance from my carrier. plus the good part is there is no deductible. So I got caught up into buying insurance from MDPA. Wirefly talks you into it by telling you if your phone is lost, stolen, damaged they would replace it with no deductible, hassle free replacement. Seven months later my house was broken into they stole a lot of stuff including laptops and the sort and my phones. I got a police report, I called up MDPA explained what happened they asked for all information including police report. They kept emailing me and I told them I did not have a computer because all my computers were stolen. Everyday they keep emailing for some sort of proof. When they got everything and could not find anything else to ask for, they turned and started asking for my homeowners insurance. So I asked them why the wanted my homeowners insurance and if they wanted to place a claim for me-lol. I asked them why do you want my homeowners insurance? I pay you to protect my phone if any problems occur. and the fight goes on back and forth. finally they decided to approve my claim, they sent me two phones tossed in a box (not origianl packing) I receive the phone, looked at them and I asked them what is this they sent an email saying that if I do not like the phones or the condition of the phones, send them back and they will refund my money and cancel the protection plan. So then I stayed with the phones, but they are having problems because they are refurbished. When I called them up, they claim they only send out new phones, so I asked whey did the phone come in a not new phone box. I guess they want you to get their insurance, collect your money and don't even think about placing a claim because once you place a claim, they cancel you. I received a letter that my mobile device protection plan has been canceled immediately. So pay the extra dollar per month like that if you have to file a claim you get what you are paying for. Do not spend your money on a rinky dinky place like MDPA company and get RIPPED OFF.
     
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Ripoff Cell phone insurance company
Posted by on
PO BOX 880428 BOCA RATON, FL --
I purchased a 9800 torch smart phone from Firefly. In good faith and because of the two year smart phone contract with AT&T, I purchased insurance for 6.99 monthly fee, I was told in the event that if anything happen to my new phone it would be replaced or fixed. Six months later my phone was stolen from my immediate control, the police were notified and a proper report was taken. I filed a claim with MDPA the next day they Denied the claim without detailed cause, I wrote them back explaining I had a police report they asked for it, at a cost of 5 dollars I forward to there fax line. Again denied the claim without detailed cause. everything is done over there web site, it basically took a week to get an detailed answer, they used the report against me saying I was neglectful, it was my fault. Its Bad enough to victimized but then have your own carrier rip you off as well. After investigating other cell phone insurance company's terms and conditions MDPA is clearly operating outside the normal nature of the cell phone insurance Business. In short there terms and conditions cover very little if anything, and judging by the amount of negative feedback they are a company that should be avoided. Firefly cooperate did contact me asking a lot questions as to why it was denied and they seemed to be concerned, but they did nothing for me, however AT&T was more than helpful in helping me replace my phone at discounted price with a legitimate insurance carrier
     
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Kurizumaru on 2011-03-25:
How were you neglectful? Did you leave your phone at a store or out on a table and go to the bathroom at a restaurant? More info on how and when your phone was taken would be helpful, as would more information on why your claim was denied. That said, I'd be pretty ticked if I were paying for insurance that didn't cover anything.
Anonymous on 2011-03-25:
What kind of lousy coverage is that?? I lost my Sprint phone out of the country and it was promptly replaced but Sprint uses Asurion.
Rktboy on 2011-03-26:
They said I was Neglectful, because I set the phone down along with Packages to use the urinal, no more than 4 feet from me, bunch of kids came in and poof it was gone. they wrote there terms and conditions so as to cover nothing, of course I was ticked
trmn8r on 2011-03-26:
You set the phone in a public place, knowing people were in the area, if I understand correctly. And then it was taken without you seeing them pick it up? If this is true, it sounds a bit neglectful, but I don't know what kinds of loss it is supposed to cover. Not trying to beat you up, just trying to understand.
Rktboy on 2011-03-29:
No one was there when I sat it down, it was only few feet from me... and If had not sat it down and it got water damaged they don't cover that either. Two points One; They don't cover anything,according to there terms and conditions. Two: I wasn't told up front, They simple Cash in on the customers false sense of security that they operate on the normal nature of cell phone Industry,,,my new phone is covered if Lost stolen, water damage, without delay That's what I pay them for.
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DO NOT USE THIS COMPANY
Posted by on
DAVIE, FLORIDA -- I HIGHLY SUGGEST THAT NO ONE USE MOBILE DEVICE PROTECTION ASSOCIATION, LLC WHEN TRYING TO OBTAIN CELL INSURANCE. MY EXPERIENCE WITH MOBILE DEVICE PROTECTION ASSOCIATION, LLC WAS ONE OF THE WORST EXPERIENCES WITH A COMPANY I HAVE EVER HAD.


I purchase a new blackberry bold 9700 from wirefly.com, which I paid an additional amount for insurance on the phone. The insurance provider, Mobile Device Protection Association, stated the upfront costs would cover me for a 1 year and up to 3 replacement phones.

I was on vacation in San Diego when my phone was stolen. I attempted to contact the company, and once I spoke to someone I knew this was going to be miserable process. Normally, I would have had a new blackberry in my hand within 48 hours, however, MDPA tried everything possible to deny my claim. They required me to return to San Diego and file a police report, which I did out of pure frustration. I had to file a report with the BBB and call the owner at his home number. He never return my messages, but you can try yourself by reverse addressing 13860 SW 33RD CT Davie, FL 33330.

It took about a month before I got my replacement phone. The best part was about a week after receiving my replace I also received a letter stating that my coverage had been terminated effective immediately. As a result, I attempted to contact they "Intelligent Managers" at MDPA to discuss why my protection was cancelled. She said that they replaced the phone and were no longer obligated to cover me. I begun asking her questions about her companies policies and she began to freak out and told me to look on the website. She then screamed and hung up on me.

I HIGHLY SUGGEST THAT NO ONE USE MOBILE DEVICE PROTECTION ASSOCIATION, LLC WHEN TRYING TO OBTAIN CELL INSURANCE. MY EXPERIENCE WITH MOBILE DEVICE PROTECTION ASSOCIATION, LLC WAS ONE OF THE WORST EXPERIENCES WITH A COMPANY I HAVE EVER HAD.
     
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Berres on 2010-08-17:
DON'T BELIEVE WHAT YOU HAVE HEARD!!!!!!!!

I bought a phone at Radio Shack almost a year ago, I destroyed the phone and forgot that ever purchased this insurance policy. I got an email a couple of weeks ago stating that my coverage was set to expire at the end of August. I replied and set up my account (for the first time since purchasing my policy almost a year ago) and mailed them the phone and they settled my claim within days!!! I just got the email that they will be either (my choice) replacing the phone or sending me a check for the value of the broken phone!!! wow!!! THIS COMPANY IS TOPS IN MY BOOK ALL THE WAY!!!!!!!! IT CLEARLY STATES THAT THEY DON'T COVER LOSS. BY THE WAY NO INSURANCE COMPANY COVERS LOSS!!!!!! NOT EVEN AUTO INSURANCE CAN I CALL GEICO AND SAY "I LOST MY CAR AT THE MALL....CAN YOU SEND ME A NEW ONE!!!!!!" geez people, get with it!!!!!!
Frida on 2011-08-28:
@ Barres. the Review is to discuss a Cell phone insurance company, but if you want to compare to an auto insurance at least the insurance covers the value of your car, not tell you 'sorry you were negligent"

MDPA website states the following.
MDPA is there to repair or replace your wireless cellular device.

To deny a replacement claim is contradictory to what they preach.
tina on 2011-11-17:
exactly Right Frida! If Berres would read the complaints posted by other customers who did not loss their phones ,but damaged them hed see others have had problems with getting their phones replaced.I had my phone stolen and my claim was denied for neglect and unsecured loss.I was never offered a replacement {which at least a car insurance company would give you a rental car)of course if the insurance policy covers it.The MDPA policy offers replacement of the phone or a phone of similar value.They do not! they are a scam,and perhaps "Barres" works at the MDPA LLC!
Maria Sanchez on 2012-08-28:
I've had bad EXPERIENCES with this company over and over again. They lie about what is covered. In there terms and conditions it clearly states that theft is covered. I was denied services due to theft of my phone. This is the last company that I would recommend anyone going with to get device protection. I was warned not to go with this company and I should have listen. THEY SUCK!!!
Taj on 2013-07-26:
I had same experience with the phone. I lost the phone and called police to get report. When I filed the claim, I gave them police report and they asked on when, how and where I lost the phone. I gave them what they wanted and they denied the claim. After going back and forth through their website, they are offering a refund of the insurance and not the phone. What a cheap company? I will never buy phone from Sam's Club either as they are one of the seller for MDPA.
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MDPA is UNETHICAL
Posted by on
DAVIE, FLORIDA -- I purchased a new cellphone worth $249 from a reputable telecommunications company. I also paid for insurance for my new cellphone in case it was lost, stolen or damaged. The insurance company is called "Mobile Device Protection Association, LLC or MDPA for short". When my phone was stolen, I contacted MDPA and they refused to replace the phone because it was stolen from an "unsecured" location, in this case a public ladies bathroom inside of a shopping mall. When I looked at their policies for replacing lost/stolen items, this is what I found concerning what is "EXCLUDED" for replacing a lost/stolen/damaged item:
What is excluded? The loss, real or perceived of data, time, financial opportunity, or any other consequence arising from the loss of the use of the wireless device, normal wear and tear, inventory shortage, dishonest or malicious acts, cosmetic damage (ex. marring, scratching), negligent loss, liquid damage, pervasive corrosion, loss or unexplained disappearance or voluntary surrender to a third party, loss in a body of water, theft from an unattended premises or vehicle not reasonably secured, in transit either through postal or courier services, or incidences occurring outside the Continental US or Canada are not included with this service.
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In other words, they will not replace your mobile device under any circumstances. They are using reputable businesses to sell their insurance, making millions of dollars, but not provide any service to consumers what soever. If anyone else has had this problem with MDPA, please contact the Better Business Bureau and the cellphone provider who uses MDPA to provide insurance for cellphones.
Thank you
     
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Anonymous on 2009-11-04:
I'm assuming you didn't read this policy before you purchased the coverage. It isn't easy getting insurance companies to pay for anything these days. It sounds like the only way they would replace your phone would be if it were stolen from your locked car or from a locked safe. You of course would need to provide a police report.
memoryx57 on 2009-11-04:
In other words, they have no intention of replacing it..period !!
Anonymous on 2009-11-04:
That is true. My daughter's phone was stolen from her locked car when the window was smashed. They replaced it.

Leaving it in a bathroom is not considered theft to them. It is considered irresponsibility. Not trying to be rude, but that is the case. Read the policy.
lb on 2012-07-23:
purchased this proction for three phones. Don't waste your money on it. they r a rp off. after mny days and hours of the run around I gave up am cancelling the protection.
flb0267 on 2012-08-01:
my phone was lost negligent or not and I filed and rfs claim. mdpa slapped my hands and said sorry but we can't replace the phone without a phone. 3 days later I found my phone at work. the phone had been smashed under a large vehicle tire. I again contacted mdpa and was told they would allow me to get a new phone since I had a phone to give them. 4 weeks of waiting without a phone for them to determine if the inoperable phone wasn't repairable I received my phone. great right? 1 week later I received a letter from mdpa stating my insurance was canceled. wtf? it was explained to me that I could claim 3 phones a year with no deductible and just pay the plus member yearly charge up front. that is a lot of bullsh t. I couldn't even sign back in to mdpa to find out why my membership was canceled. Wirefly convinced me to purchase this insurance as I do like Wirefly for the phone prices, but please believe me don't purchase anything else from them except a phone.
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Deceptive business practices
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BOCA RATON, FLORIDA -- I purchased a Blackberry 8900 through Wirefly.com and also purchased the $50 insurance for my phone. The way it was sold is that I would have up to 4 free replacements within 12 months of my purchase. I was not give the details of the policy prior to the purchase, but the sales representative assured me it was the same that AT&T provided. I recently lost my phone at a restaurant or in the cab on the way home. I filed a police report, and submitted my claim. I was promptly denied due to "negligent loss", however the policy states "devices are protected from accidental damage, theft, malfunction or loss up to the liability limit of $300." I have filed a case with the Board of Commissioners office in Palm Beach County citing deceptive business practices and not honoring my claim.

Has anyone had similar instance and how was it resolved?
     
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Anonymous on 2009-07-14:
The sales rep deceived you not the warranty issuer. Over at the warranty web site FAQ page under What is not covered by Device Protection Service?: 'Negligent loss, Unexplained disappearance or loss due to voluntary surrender to a third party such as leaving your phone unattended or unsecured.' In other words even if you had read the warranty before purchase they wouldn't have covered the loss.
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Mobile Device Protection Association also known as NCOA
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BOCA ROTAN, FLORIDA -- I recently lost my cell phone that I purchased through LetsTalk. I purchased insurance through MDPA also known as NCOA. I filed an RFS (request for service) on their website. they denied the request because they said it was a negligent loss. Any and every loss is considered negligent, so why do they say they cover loss when they really don't. I spoke with a manager (mike baker) he said they will reimburse me my $50 for the warranty because I was person out spoken about how mad I was. Lets see if I really receive a refund or not. There has to be away to get them to reimburse me right?
     
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MSCANTBEWRONG on 2009-05-28:
These are the "what's not covered rules" as stated on their website. Since you lost the phone I'm not sure it's covered.

What is not covered by Device Protection Service?

The following are not covered by Device Protection Service:

Your SIM card and any additional optional accessories that you buy.
The loss real or perceived of data, time, financial opportunity, or any other consequence arising from the loss of the use of the wireless device.
Normal wear and tear of the device.
Dishonest acts by member.
Non-functional damage, I.e.; marring, scratching, chipping, unless caused by theft or attempt thereat.
Liquid damage or due to loss in a body of water.
Pervasive corrosion.
Negligent loss, Unexplained disappearance or loss due to voluntary surrender to a third party such as leaving your phone unattended or unsecured.
Theft from any premises or vehicle when not reasonably secured (ex vehicle windows and doors must be closed and locked).
MDPA may request a police report for all lost or stolen phones.
Slrrpl2000 on 2009-06-12:
Obviously MSCANTBEWRONG works for NCOA. Because any sane person would realize that this is ridiculous and a obvious excuse to avoid payment. Any lost phone is an unexplained disappearance. Hence the term Lost.
Anonymous on 2009-06-12:
Wrong, Slrrpl2000. YOU lost the phone. Hence, you are responsible.

couldbanyone on 2009-06-16:
MissMarple, don't comment on things you have no detail on. From wirefy website(found via google):

"If your cell phone is stolen, **lost** or damaged, you'd be in good company: 1 in 4 cell phone users will experience this in 2006. That's why Wirefly offers Device Protection Service insurance from NCOA for quick, hassle-free cell phone replacement or repair if this happens to you."

Anonymous on 2009-06-16:
It's not nice to mess with Mother Marple...
jktshff1 on 2009-06-16:
sirrlp, no she doesn't and I don't either.
MM is exactly right, You should have read the terms and conditions that came with your contract. A lost phone is not an unexplained disappearance, it is negligence on the owners side, or stupidity, whichever one you choose.
Slrrpl2000 on 2009-06-22:
Just thought I let all you "pro" NCOA individuals know that today I received a check from the company paying in full for the replacement of my lost phone. Apparently the company did not like me reporting them to the Attorney General's Offices in 2 states. Once they found out that I reported them for "deceptive business practices" they immediately called me to inform me that they would pay the claim. They then asked me to please contact the Attorney General's Offices and report that the claim was properly settled. So not only am I not so negligent but I am also not so stupid!!!!
PepperElf on 2009-06-22:
well I might disagree on "not so negligent" cos the phone was still lost in the first place... and I'm someone who loses her stuff a lot, so I can say that without bias. (cos when I lose my stuff I blame myself and no one else)

but yes companies will sometimes break their own policies just so they can avoid being yelled at more.
Slrrpl2000 on 2009-06-22:
I do blame myself when I lose something! But I purposely bought this insurance because they stated they covered loss. Because losing a cell phone can happen so easily (as with theft, because if you research this company you will find that they also refuse to pay claims for theft) I felt buying the insurance was in my best interest. The companies little disclaimers were not made known to me until after I purchased the insurance. There was no fine print or disclaimers made prior to purchase (see Couldbanyone's comments from Wirefly's website). I couldn't care less if you feel the company broke their rules to shut me up, the bottom line is that they paid out. However, if they were so in the right why were they afraid of the Attorney General reportings. Because they have many complaints against them for their deceptive practices.

By the way, AT&T insurance protection has none of these disclaimers. They outright pay for loss and theft. If your next statement is why didn't I buy AT&T's protection? I thought I was. Wirefly's description of the product leads you to believe it is AT&T backed. So I guess the bottom line is to beware of third party vendors. Shame on me for that. Next time I will go directly to the manufacturer for purchases. Live and learn.
BokiBean on 2009-06-22:
MS, we must be looking at two different pages.

Slrrpl2000, I think that the way they have worded their "come on" to buying this protection borders on "scammy" at the very least.

Firstly, on their website they claim: Eligible devices are covered for accidental damage, theft, malfunction or loss up to the liability limit of $300 per incident.

Then, under the heading "What incidences are covered by the Device Protection Service?"

Theft, accidental damage, malfunction after 30 days and loss of the cell phone are all covered by the Device Protection Service. The loss (real or perceived) of data, time, financial opportunity, or any other consequence arising from the loss of the use of the wireless device, normal wear and tear, inventory shortage, dishonest or malicious acts, cosmetic damage (e.g. marring, scratching), negligence, water damage or loss, or unexplained disappearance, theft from an unattended premise or vehicle not reasonably secured, in transit either through postal or courier services, or incidences occurring outside the US or Canada are not covered by the service.

To me, that is more of a DISCLAIMER, than what is actually covered. And you'll notice in the first sentence it does say that loss IS covered.

http://www.wirefly.com/resources/device-protection.html

Anyway, I'm sure you know all this, but good on you for being proactive and getting your replacement check. Imagine how many people haven't taken the time to contact the AG to file and complain and will end up hosed..
jake7777777 on 2009-06-24:
NCOA is horrible! My phone was stolen from a restaurant and they said it was negligence! That's the biggest cop out from giving your consumer what they deserve! Negligence? What am I supposed to chain my phone up? I could see if it was in a compromising setting but a nice restaurant? Get real. I had a blackberry 9000 and of course because it's an expensive phone their going to back down from prior security protection promises!
Anonymous on 2009-06-24:
Oh brother.
jake7777777 on 2009-06-24:
Say what you like. But when I pay for security, I expect it.
jake7777777 on 2009-06-30:
Thank you NCOA for taking care of your member. You acted in a very professional manner and responded to my emails instantly. You also addressed the situation in a timely manner. Great Customer Service.
DigitalCommando on 2009-06-30:
The following are not covered by Device Protection Service:

Your SIM card and any additional optional accessories that you buy.
The loss of real or perceived of data......
Just what exactly is 'perceived' data?
Is somebody going to sue them because of their lost 'perceived' text messages from Elvis who now lives on Mars? Those were valuable ya know.
Lambor59 on 2009-08-22:
This company NCOA, had stolen millions of dollars from unsuspecting customers. Do not trust this company.
If you have a problem with your cell phone, YOU WILL NEVER FIND THEM

DO NOT BUY protection service from this crooked company.
Lambor59 on 2009-08-22:
If this company NCOA listed what they will cover on the front pages of Wirefly or a1wireless, I'm sure nobody will buy, but they are using deceptive practice to fool customers....
ruiz2652 on 2009-09-14:
MDPA LLC is a complete joke when it comes to cell phone insurance! I bought the cell phone through Let's Talk. com and the insurance was through Mobil Device Protection Association LLC. My daughter left it in a taxi cab accidentally and quess what? Claim denied because she didn't exercise "reasonable care and control" of the phone "at all times." What a bunch of bull. Accidents happen and the cell phone should be covered. ATT just laughed when I told them the reason my claim was denied. This company is a total fraud!!!!
jktshff1 on 2009-09-14:
I am sure your daughter never does anything wrong and is in no way responsible for anything she does, right or wrong.
Kind of like my grandson and his "Nana", he can do no wrong.
Stupidity and forgetfulness is not covered under any policy that I know of.
Xrlq on 2010-05-03:
This is a classic bait and switch. Wirefly, Let's Talk and the rest hawk this worthless product on the basis that 1 in 5 people will lose their phones during the next year - as if to suggest that anywhere near that 1 in 5 people would be covered under it. A cell phone "insurance" policy that excludes losses due to negligences, not to mention liquid damage even WITHOUT negligence, makes about as much sense as an auto insurance policy that excludes auto accidents. If you can afford to replace your phone out of your own pocket, save your money and don't buy cell phone insurance. But if you do need insurance, call your cell phone provider during the first 30 days of service. Their company (Asurion for T-Mobile and Verizon, probably others too) will probably charge more, but that's because their policies actually, like, cover stuff.
ge556 on 2010-07-11:
Maybe they used to talk about covering lost phones, but not in the offer I just received:
"1 out of every 5 phones in the US may be stolen and/or accidentally damaged this year...."
And the terms are clear that the policy will not pay when in cases of negligence, etc. So, this policy may or may not be fraudulent, but it is probably useless. And, people need to read before purchasing.
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