sprint pcs sprint and insurance partner are fraud to the consumer overland park, Kansas

 I am a very long time customer for sprint and there insurance partner but it came to my realization that this very company we investing our money really doesnt care bout us. Ater been with them over 6yrs, for one time my phone that i purchases like  almost 1 and half yrs ago was defective so i called the insurance to see what they can do to help instead  they sent me a refurbished phone which didnt last me over 7month. i paid over 400 dollars for it and pay my insurance every month but yet when i need the insurance they asked me to pay my deductable, which i had no problem payin but i realise i was only paying for a used phone. i paid n 7 dollars for over 6yrs and a 100 deductable for a use phone? tell me how that not fraud on there part? my problem is that i was already eligible for upgrade 150 dollars towards a new phone and i have insurance, but yet i was refused to a new phone from the insurance company instead they they insisting of give me a used handset which might not have any gaurantee on it because that why i'm going through this problem in the first place. Because im having problem with the used handset they replace my new one with. I am so frusrated and disappointed with sprint for them to asked me to pay out of my pocket to buy a new phone even though i have an insurance and eligible to 150 towards a new phone. So please people stay away from sprint and this phone company and there insurance partner. because they are nothing but fraud.
hopefully the government would start investigating all this company that taking advantage of there customer.