The previous reviewers are absolutely correct in their claims against NCOA. I had purchased my plan and had only wished I'd known what sort of insurance I was purchasing, or had seen these reviews in advance. I filed a claim over 3 weeks ago and have received few details regarding the phone I seemingly sent to the great beyond. Customer response has been non-existant, as I've left over a dozen voicemails or have been told an "accounts manager" would be returning my call. Dealing with them has been an absolute nightmare, and we have to take action against this blatant insurance fraud. The policy promises replacement of "similar" phone, and insurance guidelines demand this in a timely manner. NCOA is doing neither of these, and the fact that they are impossible to get a hold of is worrisome.
First, if they have your phone, try contacting them at the numbers below. Do not bother with the 1 800 number as it will always direct you to a voicemail message and they will never respond to your calls.
Next, if you have been wronged by them, as clearly others have been on this website, we need to act. After (or if) I ever receive my phone I will be filing taking action. Please join me.
First, file a complaint with the better business bureau. The company is located in Florida (mailing address below). Next, Florida has an official Division of Insurance Fraud which accepts claims and investigates them. This is the real legal recourse as the BBB holds no true power.
Finally, call whomever sold you the policy and urge them to stop selling NCOA policies. Threaten to include them on these reports to the Division of Insurance Fraud and the BBB, or see if there is a similar Division in the base state for your cell phone company.
Take action now! And did I mention the Division of Insurance Fraud offers Rewards?
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