Best Buy Credit checks for upgrade: beware ask for personal mortgage info - Galaxy S III General (US Carriers)

Upgrading from iphone 4 to s3 and best buy wanted to do a credit check when I have been at&t customer for 4 years with account in perfect standing. They had the nerves to ask me how much my mortgage was, who my mortgage was with, and several other items pertaining to personal info.... FOR AN UPGRADE.
Best Buy did not get my business and in last 4 years we have bought all our phones at best buy which was 3 iphone 4s, 3gs, and 1 3g, and basic phone all from best buy in which within last month and half we have upgraded one person on the plan to a i4 and another to iphone 4s and did not get asked these questions, but for the S3 best buy needed this info...
Not Pleased. Anyone else gone through the BS?

I got my phone there and it was very quick and easy, no credit check. Sorry man that sucks!

Go straight to the manager... they can't ask you or run your credit for upgrades.. only new line and even that they can't ask you about your mortgage, that's ridiculous.

Vertig0 said:
Go straight to the manager... they can't ask you or run your credit for upgrades.. only new line and even that they can't ask you about your mortgage, that's ridiculous.
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oh I did, went to best buy mobile manager and then store manager and they said they can't by pass it and that store chooses you at random when upgrading to confirm identity but no way in hell are they getting my mortgage info.

This has nothing to docwith best buy, it's actually an AT&T thing. I work at radioshack and run into this about once a week.
Sent from my AT&T Samsung Galaxy S3.

Vertig0 said:
Go straight to the manager... they can't ask you or run your credit for upgrades.. only new line and even that they can't ask you about your mortgage, that's ridiculous.
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well at&t store manager said they have never done anything like that for an upgrade. and sure as hell ain't telling no employee of best buy or anywhere my personal and mortgage information.

I saw this when I used to sell cellphones for the various providers. It is usually the credit check people who want the info, not (insert carrier and store here). It is a method of identification to make sure you are who you say you are. Cellphone fraud is a very big thing, especially for the super high end android devices, blackberries (well, they were back then...) and iPhones.
Though I never heard mortgage, I did see plenty of car ownership stuff, address, old address, old car, etc etc. Random stuff really.

Descadent said:
Upgrading from iphone 4 to s3 and best buy wanted to do a credit check when I have been at&t customer for 4 years with account in perfect standing. They had the nerves to ask me how much my mortgage was, who my mortgage was with, and several other items pertaining to personal info.... FOR AN UPGRADE.
Best Buy did not get my business and in last 4 years we have bought all our phones at best buy which was 3 iphone 4s, 3gs, and 1 3g, and basic phone all from best buy in which within last month and half we have upgraded one person on the plan to a i4 and another to iphone 4s and did not get asked these questions, but for the S3 best buy needed this info...
Not Pleased. Anyone else gone through the BS?
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I work for BBY service center and even though I don't work in the store, I know that they ARE NOT ALLOWED TO ASK THAT INFO. The only way they are allowed to even check your credit is if you're apply for a BBY credit card.
I'd call their support and talk to their manager. I'v already heard many stories of BBY support lines bending over backwards to satisfy their customers so you may be able to get a discount on the phone or at least a gift card.

Diviance said:
Though I never heard mortgage, I did see plenty of car ownership stuff, address, old address, old car, etc etc. Random stuff really.
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yeah and i'm talking specifics, who the mortgage is with and what the monthly payment is.

I work for AT&T and haven't heard of this on an upgrade. They are allowed to ask you about mortgage info or ANYTHING pertaining to your credit info so don't think otherwise. But like I mentioned, credit no longer plays a role when you have been an AT&T customer for longer than 6 months, even when adding a line they check account history add only occasionally check credit. Never for an upgrade.
Sent from my SAMSUNG-SGH-I747 using Tapatalk 2

Descadent said:
yeah and i'm talking specifics, who the mortgage is with and what the monthly payment is.
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Crazy. The employee themselves asked you? Not supposed to do that, where I worked we had to call in to the credit people themselves, hand the phone to the customer and let them confirm the information.

Don't shop there bro dump best buy they are going under anyways and they offer crap for customer service I would walk out and go to an att store.
Sent from my SAMSUNG-SGH-I747 using xda premium

I've worked for an at&t Authorized retailer for 8 years. at&t has started refreshing credit profiles on customers accounts as a fraud prevention measure. I would say once a week we run into this and these questions that are asked are referred to as OOW questions (Out of Wallet) meaning the customer in the store should be able to answer these without issue. We are instructed to read the questions and then select the answer the customer gives us. At the end if the customer answered everything satisfactorily we can continue. If they don't answer the questions satisfactorily we have to call analyst review and tell them we have the customer in the store and the ID matches the person in the store. We also have to have a secondary ID such as a Credit Card and the name has to match the drivers license. I know this sounds ridiculous but there is so much fraud in this business you have to understand it is for your protection. The extra five minutes this process takes is easier than trying to fight identity theft. Don't blame BestBuy for doing what at&t is requiring.

Had this happen to me when Upgrading my Sprint line. The questions were on their keypad card swipe thing, not an employee asking the questions. I purposely answered incorrectly and then the guy went through the upgrade anyway. Think there are two ways they can do an upgrade, one may be quicker than the other? Quicker maybe asking those questions?

regardless no way in hell i'm telling someone how much i pay for my house every month to qualify me for an upgrade phone when i've been customer for 4 years in perfect standing. in no way shape or form should you ever be asked personal info such as mortgage information for an upgrade, maybe for a new account, MAYBE, but not for an upgrade.

Related

given up trying to buy one...

well I tried to buy a Nexus one, Ive now given up, credit and debit card orders refused when there is absolutley nothing wrong with either account, they are business accounts with plenty of funding.
Talk about a tad insulting!
Why on earth dont they take paypal?
pastypacker said:
well I tried to buy a Nexus one, Ive now given up, credit and debit card orders refused when there is absolutley nothing wrong with either account, they are business accounts with plenty of funding.
Talk about a tad insulting!
Why on earth dont they take paypal?
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Cuz it's Google... so they take Google Checkout. Have you tried non-business accounts?
pastypacker said:
well I tried to buy a Nexus one, Ive now given up, credit and debit card orders refused when there is absolutley nothing wrong with either account, they are business accounts with plenty of funding.
Talk about a tad insulting!
Why on earth dont they take paypal?
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Click to collapse
For a start, make sure you put the correct details in the from for the card.
Talk to your credit card company/bank and stop complaining that it's Google that are at fault. Your CC/bank company is stopping the transaction not Google.
Phone them up and talk to them. If they tell you Google is blocking it then the CC company/bank is lying to you.
Paypal isn't a bank and isn't subject to the same controls and regulations that a cc company or bank are. You also get zero protection, in law, when using paypal. Personally I'd stay well away from them.
SC
ScaredyCat said:
For a start, make sure you put the correct details in the from for the card.
Talk to your credit card company/bank and stop complaining that it's Google that are at fault. Your CC/bank company is stopping the transaction not Google.
Phone them up and talk to them. If they tell you Google is blocking it then the CC company/bank is lying to you.
Paypal isn't a bank and isn't subject to the same controls and regulations that a cc company or bank are. You also get zero protection, in law, when using paypal. Personally I'd stay well away from them.
SC
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Exactly where in my post did I blame Google for denied transactions?
I merely stated facts, and I am also quite capable of fillling in a form or I wouldnt have been running my own business for the last 6 years!
The fact is, that it's not as simple as it should be to buy the phone, I buy goods of far greater value than a phone, and never have any problems, so why the problems buying from Google?
I thought this was a dicussion forum, just wonder how many other people have had these problems buying one?
And yes, I have talked to the bank, and its a security check that flagged up, there must be a reason that transactions are blocked and or checked for Google purchases, maybe its because its the States, most of my buying is done in europe.......
Sorry if i seem to come over a little terse, but then there isnt always too much context within written words....
I can tell you that when I bought my phone, my bank held up the transaction until I called them to let them know I was spending over $300 on a phone. You may want to do the same thing.
uansari1 said:
I can tell you that when I bought my phone, my bank held up the transaction until I called them to let them know I was spending over $300 on a phone. You may want to do the same thing.
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Same thing happend to me, except my bank actually phoned me! Shock and awe!
SC
pastypacker said:
Exactly where in my post did I blame Google for denied transactions?
I merely stated facts, and I am also quite capable of fillling in a form or I wouldnt have been running my own business for the last 6 years!
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So in your 6 years you've never made a typing mistake?
pastypacker said:
The fact is, that it's not as simple as it should be to buy the phone, I buy goods of far greater value than a phone, and never have any problems, so why the problems buying from Google?
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It is simple to buy, you just have to talk to your bank. Once of the reasons is that Google don't use 3D secure which (somewhat) guarantees that the user of the card is the owner of it. CC/Banks like 3D Secure because it passes blame (liability) to the customer (see T&C's for 3D Secure/VBV signup for your card). 3D Secure/VBV is, in truth, total crap. IIRC this was born out in a recent paper from Cambridge University in the UK that did analysis and testing on it. One card company even asked for a NEW password if you got the old one wrong 3 times!
pastypacker said:
I thought this was a dicussion forum, just wonder how many other people have had these problems buying one?
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It is but it's not a problem solely associated with buying a nexus one. It applies to all online purchasing.
pastypacker said:
And yes, I have talked to the bank, and its a security check that flagged up, there must be a reason that transactions are blocked and or checked for Google purchases, maybe its because its the States, most of my buying is done in europe.......
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It's highly likely that this is the case. We get horrendous issues with Belgian cc/banks that insist on blocking client orders and then claiming it's us that is doing the blocking.
pastypacker said:
Sorry if i seem to come over a little terse, but then there isnt always too much context within written words....
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Maybe I was being over sensitive on the issue, I have to deal with cc/banks lying to their customers all the time at work.
SC
pastypacker said:
well I tried to buy a Nexus one, Ive now given up, credit and debit card orders refused when there is absolutley nothing wrong with either account, they are business accounts with plenty of funding.
Talk about a tad insulting!
Why on earth dont they take paypal?
Click to expand...
Click to collapse
I don't know if it would make a difference, but you can get a debit card for your Paypal account and use it.
Stop using other's people cards. =P
Really though, my order got held up for not having a phone number in the ship to information. Googles checkout/customer service for the nexus has been pretty sub par.
And I've been running a business for 8 years.
eeee by gum chuck, finally managed to get an order sent, checked the shipping info, and they managed to get the postcode totally wrong, with half the address missing.
Phoned DHL, and they were fantastic, changed all the details and made sure they were correct, she told me that they have shed loads of phone calls reference orders from google with incorrect shipping info, even though the correct details were supplied by the customers, so all I will say if you're buying one, is to check and double check every step of the process.
Man I hope the phone is worth it when it comes, i'm sure it will be, quite looking forward to it..........
Sounds to me if it were a "Google" problem, the same bad address info problem would be apparent with FedEx shipments, but only time I've heard/read about shipping issues is regarding international DHL.

[Q] T-Mobile's exchange/replacement policy

Does anyone know tmo's exchange policy? I am on my 4th MT4G and this is one having problems. I want tmo to exchange/replace my phone with another phone of equal or lesser value. In the past they have given me this option or given me credit for the phone to apply to an upgrade.
I originally purchased the phone straight up and on the even more plus plan. I also pay for the PHP equipment bundle.
Thanks for help and hope to hear soon! If there's any more information you need then just ask.
I just ran into the same problem you have. I am on my 3rd 4g and asked them if they would do exactly what you were asking. I have the warranty purchase plan and even with that they told me at the tmobile store I was at can only offer whatever the computer gives you which is based off what HTC will give you.Each store also varies on if they will offer that as well. Why? Idk but in my case they offered me the HD7. I just laughed. So they tried calling the higher ups to see what they could do. I explained to them what was going on with the phone and the only thing he could offer me was a full upgrade discount on a different phone and I pay the difference. Not paying another $260 on another phone for one that I have had for less than year.
So in a nutshell. Tmobile will not warranty out your phone for a different brand one but they will (if the store allows for it or you gripe to the loyalty department) on a phone of the same brand. So it varies on the store you go to and it will have to be another HTC phone. Hope this helps you.
dive_junkie76 said:
I just ran into the same problem you have. I am on my 3rd 4g and asked them if they would do exactly what you were asking. I have the warranty purchase plan and even with that they told me at the tmobile store I was at can only offer whatever the computer gives you which is based off what HTC will give you.Each store also varies on if they will offer that as well. Why? Idk but in my case they offered me the HD7. I just laughed. So they tried calling the higher ups to see what they could do. I explained to them what was going on with the phone and the only thing he could offer me was a full upgrade discount on a different phone and I pay the difference. Not paying another $260 on another phone for one that I have had for less than year.
So in a nutshell. Tmobile will not warranty out your phone for a different brand one but they will (if the store allows for it or you gripe to the loyalty department) on a phone of the same brand. So it varies on the store you go to and it will have to be another HTC phone. Hope this helps you.
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Thanks for the reply! They offered me another MT4G or a "certified open boxed" G2. Whatever the F that means. So I get another phone with which I have had terrible luck with or a discontinued phone that actually came out before my phone. I refuse to believe their bull. I have been with them for 8-10 years and have always bought their highest end phone at the time and paid full price. Thank god I am an even more plus customer, time to move to Sprint unless they can cut the bull. Their "solution" to my problems and frustration is to keep on offering me the same phone. Makes a lot of sense T-Mobile! By no means at all am I trying to pass one over on them. I simply want an equal or lesser phone. I like T-Mobile which is why I have stayed with them for so long, I will call again and see what else they can offer. But, if they continue I will move to Sprint and never look back.
Sorry for replying so late but how have things worked out? The only reason I haven't switched companies is because T mobile has been pretty good with me. There rate plans are the best and that's the only thing that has kept me around. This is the only time I have had an issue with them. I would have like to switch out like you were wanting but I am glad I didn't.I just think this is best phone for me right now. At least until I can get the samsung galaxy 2.

Buying a used phone

I am moving over to Straight Talk here in a month from Verizon, and will be using an AT&T SIM for service. I have been reading up on this "Blacklisting" that AT&T is doing with stolen/lost phones, and how some folks are being scammed from Craigslist/eBay.
My question, then, is if I were to meet someone at an AT&T store, have the IMEI checked, and it comes back clean, and make the transaction, with the seller still there, will AT&T be able to put a note on their account that the phone was sold, so the seller cannot go back a week later and claim the phone was lost or stolen (fraud)? By doing that, wouldn't the folks at AT&T who Blacklist, see that on their account, and you, as the buyer, would be in the free and clear?
Anyhow, I am just looking for thoughts and suggestions about this, and anything else someone might provide. Thanks!
You can get it checked but it always can be reported stolen later on. It's just like ESNs on Verizon/Sprint. But as long as you verify it you should be fine.
MrObvious said:
You can get it checked but it always can be reported stolen later on. It's just like ESNs on Verizon/Sprint. But as long as you verify it you should be fine.
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I guess what I am asking, is while I am at the AT&T store, can I have the associate put a note on the seller's account that states the phone is being sold to me, while the seller is there in the store, and consents to this being put on his account? I would think that it would be impossible then to blacklist the phone, as its there.
I guess I am looking for the best way to protect myself from scam, without having to buy a retail phone at full price. Although, honestly my gut feeling is, is that most folks will not scam you... but, I could just see me being one of those unlucky few with a $300 paperweight!
You'd have to ask AT&T unless someone has that experience. Sorry.
We decided that we are going with new Nexus 4 (16gb) phones instead. This way, we can also use a T-Mobile SIM card if we decide AT&T service with Straight Talk isn't doing it for us. Better to have piece of mind!
why not a Xperia X8? haha

Can at&t verify if a phone has been reported lost or stolen?

Tomorrow im meeting up with a person to trade a iphone 5 for their Galaxy s4. We are meeting up at a at&t store and I wanted to ask you guys a question. Can a at&t rep at the store tell if the phone was reported lost or stolen? If it wasn't, is it possible for the person to report it stolen afterwards? What can I do to protect myself from this happening? Thanks in advance.
ahfu25 said:
Tomorrow im meeting up with a person to trade a iphone 5 for their Galaxy s4. We are meeting up at a at&t store and I wanted to ask you guys a question. Can a at&t rep at the store tell if the phone was reported lost or stolen? If it wasn't, is it possible for the person to report it stolen afterwards? What can I do to protect myself from this happening? Thanks in advance.
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This has been a hot topic lately. There are a few threads about this, blacklisting a phone.
They can verify it isn't stolen at that moment, yes. But, they will not transfer ownership or notate the account. The person that bought the phone can report it stolen the next day, week, or even later than that.
You can't really do anything to protect yourself from this. AT&T also shares that list with T-Mo so the phone is blocked from both networks. Only the original owner can lift the ban.
Unfortunately this has made buying and selling a phone second hand a lot harder.
Sent from my SAMSUNG-SGH-I337
quarlow said:
This has been a hot topic lately. There are a few threads about this, blacklisting a phone.
They can verify it isn't stolen at that moment, yes. But, they will not transfer ownership or notate the account. The person that bought the phone can report it stolen the next day, week, or even later than that.
You can't really do anything to protect yourself from this. AT&T also shares that list with T-Mo so the phone is blocked from both networks. Only the original owner can lift the ban.
Unfortunately this has made buying and selling a phone second hand a lot harder.
Sent from my SAMSUNG-SGH-I337
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Thank you. Hopefully all goes well. Im going to do it only because he's giving me the receipt and offered to give his home address so I could meet him there. Wish me luck..lol
Verify (with drivers license) names on at&t accounts and that the s4 is actually on the account with a manager. Do this in addition to the written receipt
xBeerdroiDx said:
Verify (with drivers license) names on at&t accounts and that the s4 is actually on the account with a manager. Do this in addition to the written receipt
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good answer boss, we have seen to many of these. And he also needs to be careful.
TheAxman said:
good answer boss, we have seen to many of these. And he also needs to be careful.
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I wish Att would do something to help protect people from this new scam. I bought a s4 off swappa for a great price and I had the same concern. I took the chance since I pay for it with paypal and the guy had good feedback and he had other phones for sale. At least this way I have documentation that I bought it.
Sent from my SAMSUNG-SGH-I337 using xda premium
Do the transaction at an att store. It will be documented in there system eliminating the ability for them to falsely report it lost or stolen
BEAST......... that is all
Just got back from doing the trade. Seemed like an honest guy, he gave me the receipt and had no problem showing me his license and waiting out the process at the at&t store. Phone was never activated on his account, he paid full price for it. Even swap and all is well. I was still nervous so I took a pic of his license and even his license plate just in case but I dont see any problems going foward.
When I got my S4, the att rep noted the other persons account.
Sent from my SGH-M919 using xda-premium

Another reason to avoid Sprint

So, I've been with Sprint for a while. In the past, they have given me decent customer support, and better service than my husband gets on T-Mobile.So I decided to stick with them instead of going to a discount carrier (like Net10) or T-mobile. And I wanted a one-handed phone. I had planned to get the Galaxy IV mini when it came to Sprint, but when I went to purchase it, I asked whether I could use a different SIM when I travel abroad. The salesperson looked it up, and said "no". Thus, I ended up with a Moto X.
I got it SIM unlocked. Then I had all sorts of flaky problems with it, and ended up having it replaced under warrantee. Sprint wouldn't help me with that, because they wouldn't touch Moto-Maker phones, so I had to deal with Motorola directly. (And not the convenient Sprint shop around the corner from my office. - another reason I have liked Sprint obsolete, no more convenient service.)
So I tried to get the new phone unlocked. PROBLEM! Sprint will only unlock one phone per year per customer. They think they can amke an exception since this is a warrantee replacement.
Never heard back from them.
Called again today to check on the progress. Oops! My request was denied. They have no record of having replaced the phone. Because they freaking refused to... If I FAX them PROOF that Motorola replaced it under warrantee, maybe they will reconsider. And hey, maybe they will even tell me the result of that reconsideration. Or not. I guess I will find out. No, I can't forward the email I got from Motorola. No, they can't send me an email documenting what they want me to do. Apparently, Sprint hasn't entered the email age, and only deals withy phone calls and faxes. Who the #### uses faxes these days?
Wish me luck.
Next phone won't be with Sprint. Sigh. I wish I could pay for decent customer serive without paying for frequent upgrades and stuff. I wish we had a market like in Europe where you buy a phone, and you buy service, and the two aren't intertwined.
Puzzlegal said:
Next phone won't be with Sprint.
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Don't tell us, tell Sprint. You might be surprised what a registered letter addressed to the CEO can accomplish.
Solutions Etcetera said:
Don't tell us, tell Sprint. You might be surprised what a registered letter addressed to the CEO can accomplish.
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Thanks. I will give them a chance to unlock the phone by following the last set of instructions they gave me (dig up all my email from motorola and fax it to them) but if that doesn't work, I will try that. Maybe I'll write anyway to complain about the unfriendly customer service, but it seems premature to write in the middle of a request.
Might seem cheesy, but I've always found emailing [email protected] resolves my issues. You email and they will call you the next day. I believe these folks are about as high as you can go. Plus, once someone calls you, you have a direct number to cal back and deal with only one rep until your issue is resolved..hope this helps a little.
Good luck!
Sent from my XT1056 using XDA Premium 4 mobile app
mulhiny said:
Might seem cheesy, but I've always found emailing [email protected] resolves my issues. You email and they will call you the next day. I believe these folks are about as high as you can go. Plus, once someone calls you, you have a direct number to cal back and deal with only one rep until your issue is resolved..hope this helps a little.
Good luck!
Sent from my XT1056 using XDA Premium 4 mobile app
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Thanks! That looks like a good next step, if this doesn't work. I found my correspondence from Motorola, and as I remembered, a lot of it is vague "we have mailed your new phone", rather than "we have mailed your warranty replacement", but one of their letters did say
Thanks for contacting Motorola. Our goal is to get a customized, working phone in your hands, making it as easy as possible for you.
Here's the first step in the return of your broken phone - the Return Authorization Number (RMA): 140114-011410. This is necessary to process your return so hold onto it.
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I'm hopeful that will be good enough. Of course, there's nothing to prove that I didn't compose that email myself ("fax us the email" really seems dumb, as a form of "proof") but I also have the letter saying "it's been shipped and the cost was $0" and the FedEx mailing label. Hopefully, that will convince them.
They claim they sent me email when they first denied the unlock request. I never got that email, but I suppose some computer may have thought it was spam and deleted it before I saw it. These things do sometimes happen.
After faxing them a letter detailing the issue, along with 30 pages of correspondence from Motorola, I got a call that they had decided to unlock the phone, eventually followed up with an email stating the phone is now unlocked.
Thank you for your advice and support. It improved my sanity.
Puzzlegal said:
So, I've been with Sprint for a while. In the past, they have given me decent customer support, and better service than my husband gets on T-Mobile.So I decided to stick with them instead of going to a discount carrier (like Net10) or T-mobile. And I wanted a one-handed phone. I had planned to get the Galaxy IV mini when it came to Sprint, but when I went to purchase it, I asked whether I could use a different SIM when I travel abroad. The salesperson looked it up, and said "no". Thus, I ended up with a Moto X.
I got it SIM unlocked. Then I had all sorts of flaky problems with it, and ended up having it replaced under warrantee. Sprint wouldn't help me with that, because they wouldn't touch Moto-Maker phones, so I had to deal with Motorola directly. (And not the convenient Sprint shop around the corner from my office. - another reason I have liked Sprint obsolete, no more convenient service.)
So I tried to get the new phone unlocked. PROBLEM! Sprint will only unlock one phone per year per customer. They think they can amke an exception since this is a warrantee replacement.
Never heard back from them.
Called again today to check on the progress. Oops! My request was denied. They have no record of having replaced the phone. Because they freaking refused to... If I FAX them PROOF that Motorola replaced it under warrantee, maybe they will reconsider. And hey, maybe they will even tell me the result of that reconsideration. Or not. I guess I will find out. No, I can't forward the email I got from Motorola. No, they can't send me an email documenting what they want me to do. Apparently, Sprint hasn't entered the email age, and only deals withy phone calls and faxes. Who the #### uses faxes these days?
Wish me luck.
Next phone won't be with Sprint. Sigh. I wish I could pay for decent customer serive without paying for frequent upgrades and stuff. I wish we had a market like in Europe where you buy a phone, and you buy service, and the two aren't intertwined.
Click to expand...
Click to collapse
My parents had Sprint in the early 2000s and even back then they had horrible customer service. I stick with Verizon their CS is pretty spot on.
Sent from my SCH-I535 using Tapatalk

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