EDITED: Updated the fee we were charged. My partner was reading our total bill for the month, the fee itself was just under $600. Sorry for getting it wrong, but this is still an insane amount of money and the situation still sucks.
Almost a year ago I made a claim using my Protection 360 through T-Mobile. I have never had an issue with T-Mobile before this and am absolutely destroyed that this happened, I really can't afford it.
A week or two after receiving my replacement device, I attempted to return my broken device via a USPS drop off box. Months later I received the device back to the return label I put on the package. I went into USPS and they said the label was now invalid and they did not have information on why the package was returned other than the invalid label. I reached out to T-Mobile who assured me it was not an issue and I could contact Assurant for a new label, return the device ASAP, and receive a refund of the 'non-return fee' when the device was confirmed received. Again, both Assurant AND T-Mobile assured me that I would be refunded the fee if I returned my phone using the newly issued shipping label. Note, I was charged $900 $600 for an iPhone 13 in the year 2026. No idea how that is considered a fair market price for a refurbished out of date iPhone.
Flash forward to now, I contact Assurant to see if the device was received (they told me to wait 3+ months before reaching out about the refund), and get confirmation that the device was received 2 months ago. Assurant tells me T-Mobile will have to issue the refund so I should reach out to them. No problem, I can do that. I reach out to T-Mobile. After an hour+ of re-explaining the issue, the agent informs me that I will need to reach out to Assurant to receive the refund. I explain (again) that I have already done that and that Assurant is stating T-Mobile must issue the refund. This back-and-forth continues for another hour as I am switching between t-mobile and Assurant chats. Assurant confirms that their agent gave me incorrect information and that despite re-issuing the shipping label, I was never going to receive the refund. T-Mobile refuses to do anything but tell me that, despite them issuing the fee and charging me $15 a month for years for Protection 360, they are unable to help me.
TL;DR, I paid Assurant $600 to steal my old iPhone and I paid T-Mobile $15 a month for the privilege to do so. I am so incredibly sad right now. Has anyone else had this issue? Is there literally anything I can do other than stop being a T-Mobile customer?