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I have had a LG Voyager since they were released about 2 years ago. My phone for the most part has worked well, until a few month ago, when I had some issues. Verizon replaced the phone with a refurbished phone and then my problems started. The "refurb" phone would not stay calibrated on the touch screen. I would miss calls because I could not get my phone unlocked. I kept complaining, and the customer service people would just recalibrate my screen. After a few months of that, I got fed up, and complained again. they sent me another refurb phone. This phone had a bad speaker that distorted everything. The next refurb phone has a bad power cord connection not allowing a complete charge. The next refurb phone has another blown speaker, and the list continues. I was given my "customer service" reps business card, and told to call if I had any issues. I called him, and 24 hours later, I still haven't received any followup call. I am fed up with Verizon.
The complaint has been investigated and resolved to the customer’s satisfaction.
The $2.99 is for the actual ringtone. It's licensed property. You paid $2.99 for it. You don't say if this is from VZW themselves or a 3rd party.
When you download the ringtone to you are using VZW data (not voice) streams. It is fair for them to charge on a per MB basis. You sound like you have no data package. If you continue to download things you need to get a data package.
It is fair for them to charge like this, wireless data streams are different from the voice streams. I costs VZW a lot of money to provide data traffic.
I have a 1400 minute plan with unlimited data package. The data package is different and comes with a price. In return for that price I can virtually download anything I want every month. They don't like constant overage of 5 GB/month though.
Afni can only tell you so much in the collection letters they send out due to legal and privacy laws defined in the FDCPA and FCRA laws.
They cannot publish any personal details of yours just in case the statement letters got in the wrong hands.
Just give them a call and pay your bill