Family case file · opened Apr 2025 · updated Sep 3, 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
Verizon is calling back before 1:00pm Fri Sep 4.Have this page open when they call. Anything still unresolved from the script gets its own ticket number before you hang up — and if they offer a credit, it's a partial payment, not a settlement.
Comcast call: 5:00–8:00am Fri Sep 4.Early = short holds, fresh reps. Say "cancel my service" at the menu to reach Retention. Script below.
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 Call made — callback pending
$390.78/mo → ~$150. Sep 3 call worked most of the script; callback due before 1:00pm Fri Sep 4 for the rest. Ledger stands until paid: $990.14 tablet buyout, trade-in gaps, suspended-line charges. 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 3Verizon call made — most of the script completed on the first call. Verizon calling back before 1:00pm Sep 4 to finish. Details (ticket numbers, suspension start date, credits) to be logged from the debrief.
SEP 3Scripts sharpened to word-for-word lines on every step. New demand: Verizon must read out the 9186 suspension start date — we don't hold it, their system does, and it sets the size of the refund.
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.