Warning: Mobile Device Protection Association (MDPA) is a Scam

This is a discussion on Warning: Mobile Device Protection Association (MDPA) is a Scam within the Droid X General Discussion forums, part of the Droid X Discussion category; First off sorry but this is going to be long. I bought my phone from Wire Fly back when the DX came out. I was ...


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Thread: Warning: Mobile Device Protection Association (MDPA) is a Scam

  1. #1
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    Warning: Mobile Device Protection Association (MDPA) is a Scam

    First off sorry but this is going to be long.

    I bought my phone from Wire Fly back when the DX came out. I was offered insurance from this company through them and not knowing it wasnít the same insurance that Version offered I bought it since I was a new Version customer.

    So over the past weekend I lost my phone while riding my bike on some trails here. I make a claim knowing itís a long weekend and I wonít hear from them until Tuesday. No big deal but I canít be without a phone so I head over to my local VZ store and buy one outright figuring when I get my replacement phone I will just sell it and recoup some of my money. The guy at the store cuts me a sweet deal and I continue enjoying my weekend of golf and what not.

    I wasnít prepared for what follows. This is a copy and paste from my contact with this company.

    Lost my phone last night. I need my phone replaced please. Thank
    You.

    On 05/31/2011 @ 9:02 AM MDP wrote:
    Please provide details as to the how and where the loss of
    your cell phone occurred. Once this information is received,
    it will be forwarded to your Account Manager for processing.

    On 06/01/2011 @ 6:37 PM you wrote:
    I lost the phone while riding my bicycle on some bike paths in xxxxxx.
    I had the phone in the pocket of my cargo pants. Once
    I noticed it was gone I tried to use the App Plan B to find it's GPS
    location on my PC. Going to that location I could not find it.

    On 06/02/2011 @ 9:05 AM MDP wrote:
    Weíre sorry to hear about your phone. You provided
    information on how and where your phone was lost, but
    please provide details as to WHEN the loss of your cell phone
    occurred. Once this information is received, it will be
    forwarded to your Account Manager for processing.

    On 06/02/2011 @ 3:12 PM you wrote:
    It was lost 5/28/2011 around 10PMish. Not to be a jerk here but this
    information wasn't asked for in the first response or I would've
    provided it then.

    On 06/02/2011 @ 3:13 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 06/03/2011 @ 1:33 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.

    (email of denial of claim)
    This letter is in reference to the above captioned request for service (RFS). The loss was reported to our office on May 29, 2011.
    As stated in your Request for Service: ďI lost the phone while riding my bicycle on some bike paths in xxxxxx. I had the phone in the pocket of my cargo pants. Once I noticed it was gone.Ē
    Therefore, the following exclusion applies to this request for service:
    ďUNSECURED AND NEGLIGENT LOSSĒ
    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, edited as not to give their contact infoÖ
    We regret any inconvenience you may have been caused.
    Sincerely,

    On 06/03/2011 @ 2:18 PM you wrote:
    You can't be real on this! How is having a phone in my pants pocket
    be "unsecured and negligent"? Just how do I carry my phone would
    you suggest? OK you guys got my first 90 bucks but I promise you
    you will not get another dollar out of my pocket! And you can bet I
    will not recommend your "service" to anyone I know. But I really
    want to know how I am to carry my phone?

    On 06/03/2011 @ 2:48 PM MDP wrote:
    In accord with your request the MDPA Membership has been
    cancelled. A full refun of your Member Fee is forthcoming.

    On 06/03/2011 @ 3:48 PM you wrote:
    You people take the cake! I don't see anywhere where I asked for
    cancellation of my contract and asked for a refund, which BTW is
    spelled wrong in your canned message!!! I want a phone with the
    insurance I paid for! My have brought this to the attention of my
    states attorney general office. I've printed all of this for their
    information.
    I ask again, where am I to carry my phone so as not to be
    "unsecured and negligent"?

    I havenít heard a thing out of them since. Of course after the fact I did a search on this company and this is SOP for them. Just do a search about them and the complaints are all over the web. One of the posts even had a person claiming to have once worked for them and this is how they handle every claim.

    A few things here. First since I told them right off the bat I lost the phone why was even any need for these days of back and forth crap and just told at the start that I wasnít getting a replacement because I lost it? Second why keep asking for more details with a 24 hour delay in each response? This company makes you log in to their web site to see if they have responded instead of sending you an email to tell to log for their response. They knew good and well they were not going to replace my phone and all they did was delay and drag it out.

    So anyway that is my warning about this company. If anyone is insured by this company I would ask for that refund NOW because you will not be getting a replacement phone if/when you make a claim.

    At this point Iím just going to laugh it off and make their life hell by posting this all over the web starting here and my blog next and any other web site like My 3 Cents that I feel like.

    Oh lest you think this isnít covered here is a copy and paste of the terms which they sent me with the denial email.

    What is included? The entire phone and original electronic accessories provided in the phone box, not including aftermarket accessories purchased. The protected device and original accessories are covered up to the repair or replacement value or up the limit of liability, with no deductible. If a covered device cannot be repaired, MDPA will replace with the same or similar model if the same model is unavailable, at no additional cost, to the member up to the limit of liability depending on your membership plan. A police report may be requested for a lost or stolen cell phone.

    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 (editor: their loop hole), 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 US or Canada are not included with this service.

    (emphasis added)

    There so much double talk here it makes my head spin. And before someone says you should have read the terms before you bought it, if you go read it has more of the same double talk and isnít even the same terms that I posted above. And while Iím at it Wire Fly can kiss my *** too for dealing with such a company!!!

    fasthair

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    WOW. Thanks for sharing. I'm glad you're sharing this information because people like this don't need to be in business.

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    That is absolutely ridiculous. That is literally the epitome of a scam. I'm sorry they f***ed you over man. By the way, from the reviews I've read on the bike mounts for the Droid X your phone was safer in your pocket.

    Sent from my DROIDX using Droid X Forums
    Running GingerSnips v. 007

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    Funny I had considered a mount for the bike but figured if I crashed it would be goner mounted on the handle bars.

    fasthair

    Sent from my DROIDX using Droid X Forums

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    Have you contacted the local Better Business Bureau?

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    Unfortunately there are a lot of unethical people/companies out there. My company once paid to have a piece of medical equipment moved. We used a very popular moving company. I signed the inspection sheet, blah, blah, blah and off it went. When it arrived at its destination we were called and informed that it was dented, scratched, buckled, etc. It was apparently dropped off the back of the shipping trailer.

    We filed an insurance claim which was denied repeatedly claiming that we signed an agreement with noted damages prior to shipping and the claim was turned over to our legal department. It took over a year but we finally got paid. I found out through another contact that most moving companies self-insure. They deny all claims and, interestingly enough, the majority of people don't pursue it further than the initial denial.

    Kudos to you for not letting this go because I am sure that is what they were counting on. Hopefully others will learn from your incident and it will cost them some $$$.
    "Good judgment comes from experience. Experience comes from bad judgment"

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    Wow FH...I am sorry to hear about your loss... thanks for posting & sharing -this could help someone else!
    Failure isn't falling down, failure is staying down.


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    In the future, you can insure your phone through Asurion (or however it's spelled, it's VZW's official insurer) even if you buy the phone else where. The only caveat is that you have to do it within the first 30 days of purchase.

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    I would like to see what their response would be to someone saying they were robbed at gunpoint. What excuse could they use to get out of that claim.

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    Quote Originally Posted by dennyjones View Post
    Have you contacted the local Better Business Bureau?
    No I haven't yet but you know what I've got a friend who works there

    Here is good laugh, they proudly display the BBB logo on their web site.

    fasthair

    Sent from my DROIDX using Droid X Forums

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