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.
I lost my Samsung Epic we traveled to my sister's 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 submit a replacement request???
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 sister's wedding 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.
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 **.
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 the "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 company's policies and she began to freak out and told me to look on the website. She then screamed and hung up on me.
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. Every day 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 homeowner's insurance. So I asked them why they wanted my homeowner's insurance and if they wanted to place a claim for me - lol. I asked them “why do you want my homeowner's 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 original 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 “why 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.
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 happens 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 their fax line. Again denied the claim without detailed cause.
Everything is done over their website. It basically took a week to get an detailed answer. They used the report against me saying I was neglectful, it was my fault. It's Bad enough to victimized but then have your own carrier rip you off as well. After investigating other cell phone insurance companies' terms and conditions MDPA is clearly operating outside the normal nature of the cell phone insurance Business. In short their 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.
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.
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 whatsoever. 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.
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?
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 **) he said they will reimburse me my $50 for the warranty because I was person out spoken about how mad I was. Let's see if I really receive a refund or not. There has to be away to get them to reimburse me right?