Spectrum Mobile Charter Spectrum Mobile After losing or having my new phone stolen, I called and asked Spectrum mobile to let me get an unlocked phone and pay down the stolen phone. Dayton Ohio

Your actions don't match up with your post.

If your phone was "stolen" why would you want a cheap unlocked phone to just change providers? Why wouldn't you continue to pay them down monthly and stay with them?

I have a feeling that the answer to that, and some other details you seem to have left out, would answer the question as to if your phone really got stolen.

Did you file a police report for your "stolen" phone?

Sure.  Blame it on me because I didn't see the need to spend money on the insurance.   Yeah, I should've done it, but I was simply trying to reduce costs.  Maybe your sins and faults should be put out so everyone could see your issues and why you aren't a better person!  Again, dude, I called and asked if this would be alright, and I was told yes it would.

 I frickin' guess I should get people's names, date of birth, last four of SSN and their RH factor to identify them later.  I am human... not perfected...yet!  Do you understand that???

 They offered you insurance and you chose NOT get it. Therefore YOU gambled and lost. That’s NOT their fault nor are you entitled to any special treatment because you refused insurance coverage which would have taken care of this matter.