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ncoa cell phone insurance / lost phone

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r comm
lost my phone and submitted a request for replacement. they said my claim was declined due to negligent loss. who wants to lose a phone? what loss is not negligent? it took them less than 24 hors to decline my request. i asked to terminate the remainder of my insurance and to get a refund. its been two weeks and they have not responded. NCOA IS A COMPLETE FRAUD/RIPOFF AND CHEATS...

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