I purchased cell phone insurance through Let's Talk when I bought the phone - $39.99. When it was lost - they denied the claim stating - “LEFT UNATTENDED/UNSECURED PREMISES; NEGLIGENT LOSS". What is a lost phone? Of course it was mislaid, or negligent - that is what constitutes lost! If it was "secured" it wouldn't be LOST!
FORT PIERCE, GEORGIA -- I purchased 3 wireless phones. At the time I also purchased insurance through NCOA, I was told by the wireless agent that I should get this insurance because if my phone got lost or damaged I could get a replacement without spending a ton of money. I agreed and took out the insurance on all 3 phones. My son lost his in the bad weather right before hurricane Wilma hit us. He was trying to change a flat tire in a storm and his cell phone fell out of his pocket.
I filed a claim through NCOA and was rejected. They told me my son was negligent in the use of his phone and would not cover it. Now this is the biggest bunch of bull I have ever heard, why have insurance if you are not going to cover the claim. I too am contacting the attorney general's office.
BOCA RATON, FLORIDA -- My phone was stolen. I filed a police report. I faxed them the police report. They have a message board for my account where I have posted probably two pages of messages. I called them many times leaving messages with my number since that's the only place to get to through their phone number. They have no customer support. They do not respond to emails. I have emailed them probably 8 letters. There is no way to get a hold of anyone in this organization.
This is the biggest scam I have been involved in. I mean I can create a website too, create a number where no one answers and an automated message board that says to every claim, your claim has been rejected, and a letter has been emailed to you with further instructions. Of course no one ever send me the supposed email with further instructions. I have filed a report to the Better Business Bureau and I will file a lawsuit. If I have to. I will try to contact more people with the same situation so that company can either go down or repay all the claims that they have rejected for no reason.
I would like to know what negligent loss means. And also I want to see one case and talk to one person that they have played to for a non-negligent loss. I would like to hear from them what the definition of a non-negligent loss is. In my case the phone was not even lost it was stolen. I wonder what is going to take for a stolen property to be replaced. They should be required to put examples of when your phone is replaced and when it is not. I mean do they want me to give them the name and address of whoever stole my phone.
I don't think this organization replaces any lost or stolen phones. They just use it as sales techniques. Because if they tell the customers what are the only cases where anything do at all for them, I bet they will run out of business. I guess the company that I bought my phone through will suffer to www.wirefly.com because they pretty much sell the insurance.
They are the only people I ever talked to about that insurance. I think it's time for them to change their insurance company. And I see I am not the only one that complains about NCOA. And that will affect them because I will never buy a phone through them and will tell everyone I know not to buy a phone through them because It would have been better and less hassle free I guess to pay a little extra and go through the big companies like T-Mobile and Cingular or whatever your phone company is and to know at least someone is going to answer the phone to give an explanation.
NEW YORK, NEW YORK -- I submitted a claim to my insurance provider, NCOA, after my phone was stolen along with a police report. It took them 72 hours before they could respond with an email that my claim was denied. The reason they gave is that my phone was not reasonably secured. What??!! The phone number that they advertise on their site goes to a voicemail alerting the caller to contact them via their website or email. Signatures on their email only have fax numbers. It is obvious that this company does not want others to call them. Finally, a customer service rep at Wirefly, where I purchased the phone, gave me their real number.
To those who need it, it is 866-654-5590. Don't get confused as the number they advertise is so similar (800-654-5590) the 866 makes a difference. The account manager who reviewed my file is "name removed". I have filed a complaint with the BBB in Florida, where the company is located.
NCOA sells insurance covering loss or theft of cellular phones or so they make people believe, because when you submit a claim they deny it based on their "exceptions", which are: What is excluded from coverage? 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, water damage, 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 reasonable secured.
In transit either through postal or courier services or incidences occurring outside the US or Canada are not covered by the service. According to this you won't get your phone back if you lose it or is stolen because it falls into the "exceptions". Buy Insurance from the Phone Company, is not the best, but at least you get your phone back.
NEW YORK -- I had purchased my cell phone through cellular choice and they offered insurance so I of course said sure. $100 for 2 phones. First I would like say that cellular choice doesn't treat their customers right. They are rude and charge me $250.00 for just having my number change and didn't want to honor my rebates. Thank goodness for Cingular because they were great and since it was their fault my number changed they cover my loses. But anyway I had recently had my cell phone stolen from Chuck E Cheese's, a family place, and I made a claim to NCOA. They don't have operators answer their phone first sign of fraud.
They instead want you to leave a message but they don't call you back, then I tried through email but to no avail. They give you the runaround and when I went to check the status of my claim my member number no longer existed. I had another member number and tried to that and they simply said to check my email I wrote to them back and still have no heard back from them. NCOA is a fraud and people need to sue this company because apparently it has happen to too many people.
It was 4-29-06 when it was stolen and have been without a phone since. It's 5-12-06 and they don't care obviously, I have a baby and God forbid there's an emergency and I'm in need of my cell phone my roadside asst. is through the phone. I have no choice but to order a new phone through Cingular and I'm never going through another company.
I purchased a cell phone insurance plan from Let's Talk early this year. In April I lost the phone and tried to make a claim. Just like ** I had the same runaround. I called and left messages. I faxed the police report and still no response. It's as if this company doesn't exist. I'm sending a complaint to my attorney general's office also.