Family case file · opened Apr 2025 · updated Sep 1, 2026
Mom's Recovery File
Getting back what was taken from an 83-year-old — one itemized demand at a time. We have the paper.
~$1,720going out every month today
~$800monthly cuts identified, all documented
Refunds demanded:$1,163.97exact, paper in hand — plus four-figure claims pending
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$990.14 tablet buyout on a dead lineVerizon · invoice in hand
$691/yr umbrella policy contractually forcing 10× limits on everythingLiberty · the keystone
$876.38 total paid on the roof claimLiberty · claim #060632362
8 months a filed claim left untouchedLiberty · claim #060686815
+17.1% home coverage ratchet in one renewal, consent = paying the billLiberty · $484k → $567k
$100/mo data penalty vs a $30 fixComcast · every month
4 years billing a security system that isn't hooked upComcast · their own logs
Urgent THIS WEEK
iPad exchange return was due Aug 28.Photograph the unknown Apple ID on it (evidence), sign it out, ship it — Activation-Locked returns get rejected and billed at full retail.
Wake the stalled Liberty water claim.Open claim #060686815 in the portal and hit "Get started" — it has sat at step one since December.
Download US Bank + card statementsto finish the monthly-outgoings map.
✓ Phone line ending 9186 is safe— reconnected July 17; only the refund demand remains.
Clocks HOW LATE YOU CAN GO
Verizon tonight OPEN NOW
800-922-0204 · care until 7:00pm PT (main wireless queue listed to ~8:00pm PT). Weekdays 8am–7pm, Sun to 5pm, local time. Call now — the window's open.
Comcast tonight Phones likely closed
800-934-6489 · phone agents listed 8am–7pm Eastern ≈ 5:00am–4:00pm PT. Tonight: 24/7 chat exists but retention plays better by voice — call at 5:00am PT tomorrow (early = short holds, fresh reps).
Liberty anytime PORTAL 24/7
Waking stalled claim #060686815 is a button in the portal — no hours. Claims phone 800-225-2467 runs 24/7; policy changes (the right-sizing) go through the agent on business hours.
Case deadlines The real clocks
iPad return — already 4 days past Aug 28: every day risks the full-retail charge, ship tonight. Roof claim repairs — the policy pays the replacement-cost holdback only if repairs finish within 1 year of the $876.38 payment → ~Dec 29, 2026. Suit clauses on both claims — homeowner policies commonly require legal action within 1 year of the loss: water ~Nov 3, 2026, roof ~Dec 16, 2026 [verify the clause in the policy — this is the deadline that bites]. T-Mobile payoff cards — submit the final Verizon bill within 30 days of porting (clock starts at the port, not before). Xfinity statements — only 24 months stay online; the modem-era evidence ages out monthly — download now. Verizon tablet ($990.14) — WA Consumer Protection Act runs 4 years: safe to ~Sep 2028. FCC/AG complaints: no deadline.
Today's calls SCRIPTS — TAP TO OPEN
Every call: get the rep's name and a ticket number per item. Every promise: "text or email me that before we hang up." A courtesy credit is not a settlement.
The leverage line — both callsThis is an 83-year-old account holder. I sent a formal written dispute in April 2025 that was never answered. Washington law treats this as financial exploitation of a vulnerable adult, and my next steps are the Attorney General and the FCC. I'd rather fix it on this call.
Call 1 · Verizon800-922-0204
Bill today $390.78 → target ~$150. Disputes first, cuts second.
Don't: cancel any line whose number we keep (porting later IS the cancel) · say "cancel the account" · accept "I applied a credit, we're good."
Call 2 · Comcast800-934-6489
Bill today $398.60 → target ~$130–160, keeping fast internet + cable with the DVR. Say "cancel my service" at the menu — that routes to Retention. Account is in Dad's name — have him ready to verify.
If either call stonewalls: file the FCC complaint on the spot (consumercomplaints.fcc.gov — forces a written executive response) and say you're doing it. It changes the conversation.
The companies 8 OPEN CASES
Verizon Active — calling today
$390.78/mo → ~$150. Written notice since Apr 2025. Ledger: $990.14 tablet buyout, trade-in gaps, suspended-line charges, unwanted insurance. Then phones → T-Mobile, payoffs back as prepaid cards.
Comcast Active — calling today
$398.60/mo → ~$130–160 keeping fast internet + DVR. Overage trap solved; equipment-fee refund; 4-years-offline security going.
Liberty Mutual Active — teardown complete
$933.25/mo autopay across four policies. All three teardowns done: the $691 umbrella contractually forces the 10× limits on everything; home coverage auto-ratcheted +17.1% with "consent" defined as paying the bill; the motorhome policy forfeits every discount. Right-sized: $260–375/mo back. Both open claims predate the April 2026 coverage-narrowing — if the $876.38 roof payout used the new exclusions, they adjusted under the wrong policy form. Next: demand the adjuster's estimate + policy edition, wake the stalled water claim.
Timeshares ×3 Next up
Unused ~20 years, still billing monthly. Exit via resort deed-back only — never an upfront-fee "exit company."
Reconciling which claim before acting. Standing rule: settle in writing, never swear fraud.
Credit cards ×4 Queued
US Bank · Capital One · BofA · Discover — statement review pending downloads.
Roof / storm damage Folded into Liberty
The Dec 2025 wind claim IS the roof claim — supplemental claim + contractor estimate is the play.
Log
Everything that's happened so far
SEP 1All three Liberty policy teardowns complete: the $691 umbrella is the keystone forcing every 10× limit; home coverage ratcheted +17.1% in one renewal without real consent; right-sizing worth $260–375/mo. Master recovery ledger built — $1,163.97 documented-exact, four-figure claims pending.
SEP 1Liberty cracked open: $933.25/mo across 4 policies mapped; roof claim's $876.38 payout exposed; the stalled water claim found sitting untouched since December.
SEP 12024 bills recovered — tablet smoking gun in hand: $990.14 buyout on a disconnected line, invoice cited in the script. That bill hit $1,434.87.
SEP 1Phone line ending 9186 confirmed safe — reconnected in July. Refund demand stands.
SEP 1Comcast "$100 extra" solved: data-cap overage trap + an equipment fee that shouldn't exist + a security system offline ~4 years.
SEP 1Apr 2025 formal dispute letter recovered — written notice proven. T-Mobile payoff reimbursement confirmed, no trade-in required.
SEP 1Call scripts published. File opened on all 8 fronts. Tracker launched.