Best Buy review: Geek squad

Geek Squad Cell Phone Insurance is a scam here's proof: Purchased Geek Squad insurance for my cell phone at purchase. This insurance costed me a monthly fee of 15.81. I had the insurance since May of 2018 and made a total of 27 payments equaling $426.87. I had to use the insurance because my phone broke so I made a claim. The claim process involved making a deposit for the "new" refurbished device that they shipped out to me and charged me the full device price of $1232. Right now you can purchase a brand new s9 plus at Best Buy (their own store) for $849.95 so not sure where that device price came from as the deposit. After the deposit I got refunded $1008 with the difference being the deductible of $224. So I paid a total of $224 plus $426.87 which is $650.87 for a refurbished phone. The refurbished phone then started to perform not like a new phone or not like even like my old broken phone. Unfortunately the little problems with it only started to stack up as I used it daily and got passed the 14 day exchange policy that they have. I phoned them to do an exchange not knowing about this 14 days and they said I needed to make another claim. Now if you don't see how much of a scam this is just by the math I'm doing then I don't know how else to word this. I will be seeing a lawyer to see what my options are here because Geek Squad is running a scam here and gouging customers and I would like them to stop or at least extend their exchange policy to another year, especially when they gave me a faulty device which I didn't find out was faulty until after this 14 day fine print was discovered by a phone call to their customer service. To say this is disappointing and a scam is an understatement and I will be seeking legal action if I don't at least receive another replacement phone for the one that does not work.