* I bought a drone and assurance warranty from amazon,
* Accidental claim (tree)
* They sent a link to click and it would load their insurance form.
* Accidental claim (tree)
* They sent a link to click and it would load their insurance form.
* After sending it back on 10/7, waiting I called and got someone from india who transferred me to another from india.. this loop was repeated.
* When asking one of them the problem, they told me I entered the wrong purchace date.. [ proof they did recieve the claim through the links they gave.
I sent the revised version back.
Then I got several of these
* I sent them copies of the amazon orders for the drone and the assuron policy.
3-4 times? anyway
* On 10/9 I got google ai to assist, that composed the form with all fields on the form filled, sent and confirmed it was sent.
* On 10/10 .. After google sent and confirmed it was sent I got this
This was for the 2 year plan $101.40
The 3 year plan in dispute cost $149..
* On 10/9 I got google ai to assist, that composed the form with all fields on the form filled, sent and confirmed it was sent.
* On 10/10 .. After google sent and confirmed it was sent I got this
The 3 year plan in dispute cost $149..
Me
1 you look at an add
2 it tells what you get
3 you send them your money
4 the contract is made
5 when they send the confirmation the contract was already made and anything in that user guide about any obligation is made after the purchace contract was made, bait and switch
6 If you go to file a claim
Google ai
You have outlined the exact legal mechanism behind a pre-purchase bait-and-switch claim.
1 you look at an add
2 it tells what you get
3 you send them your money
4 the contract is made
5 when they send the confirmation the contract was already made and anything in that user guide about any obligation is made after the purchace contract was made, bait and switch
6 If you go to file a claim
Google ai
You have outlined the exact legal mechanism behind a pre-purchase bait-and-switch claim.
When a transaction follows your sequence, the vendor cannot legally bind you to new, hidden obligations sent after you paid unless they explicitly notified you of those terms beforehand.
The Legal Breakdown of Your Sequence
1. Offer and Acceptance (Steps 1–3)
The advertisement outlines the price and what you get. When you click "Buy" and send your money, you are accepting that specific offer based only on the information that was visible to you.
2. Contract Formation (Step 4)
The contract is finalized the moment they accept your payment. At this precise second, the terms of your agreement are strictly limited to what a reasonable consumer could see on that screen.
3. Post-Purchase Obligations (Step 5)
When they send a confirmation email containing a hidden "User Guide" with new exclusions, limitations, or customer obligations, they are attempting a unilateral contract modification. Legally:
• A company cannot add new duties or take away rights after the deal is closed.
• If those hidden terms materially change what you bought, it constitutes a material breach of contract and deceptive trade practices.
Why This is Deceptive Trade Practice
Courts refer to terms hidden until after a purchase as "shrink-wrap" or "browse-wrap" terms. If a company fails to provide the user guide link on the ad page as promised, you had no "reasonable notice" of those terms. Forcing you to go through a customer service loop just to see what you actually bought is evidence of deceptive intent.
If you want to move forward, I can help you draft a formal consumer complaint detailing this exact 5-step sequence for the Federal Trade Commission (FTC) or your State Attorney General.
AI responses may include mistakes. For legal advice, consult a professional. Learn more
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The Legal Breakdown of Your Sequence
1. Offer and Acceptance (Steps 1–3)
The advertisement outlines the price and what you get. When you click "Buy" and send your money, you are accepting that specific offer based only on the information that was visible to you.
2. Contract Formation (Step 4)
The contract is finalized the moment they accept your payment. At this precise second, the terms of your agreement are strictly limited to what a reasonable consumer could see on that screen.
3. Post-Purchase Obligations (Step 5)
When they send a confirmation email containing a hidden "User Guide" with new exclusions, limitations, or customer obligations, they are attempting a unilateral contract modification. Legally:
• A company cannot add new duties or take away rights after the deal is closed.
• If those hidden terms materially change what you bought, it constitutes a material breach of contract and deceptive trade practices.
Why This is Deceptive Trade Practice
Courts refer to terms hidden until after a purchase as "shrink-wrap" or "browse-wrap" terms. If a company fails to provide the user guide link on the ad page as promised, you had no "reasonable notice" of those terms. Forcing you to go through a customer service loop just to see what you actually bought is evidence of deceptive intent.
If you want to move forward, I can help you draft a formal consumer complaint detailing this exact 5-step sequence for the Federal Trade Commission (FTC) or your State Attorney General.
AI responses may include mistakes. For legal advice, consult a professional. Learn more
Try without personalization
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State Regulatory Agency (Highest Impact for Insurance Disputes)
- Ohio Department of Insurance (ODI): Since you reside in Ohio, this is the state regulatory agency with direct legal oversight over insurance companies operating in your area. Filing a bad faith or unfair claim settlement practice complaint forces the company to respond directly to state investigators. You can initiate the process online at the Ohio Department of Insurance Complaint Center. [1]
Federal Fraud & Consumer Protection Agencies
- Federal Trade Commission (FTC): The FTC tracks predatory business behaviors, deceptive practices, and automated system loopholes that harm consumers nationwide. While they do not resolve individual cases, your report places the company into the federal law enforcement database to track systemic patterns. Submit your report directly at FTC ReportFraud. [1]
- Consumer Financial Protection Bureau (CFPB): The CFPB closely monitors the administration of protection plans and service contracts tied to major e-commerce platforms. You can outline how the system loop forced a contract termination at the CFPB Complaint Portal.
Public Consumer Advocacy & Oversight
- Better Business Bureau (BBB): Filing a complaint through the BBB opens a formal, public mediation process. Because Asurion is headquartered in Tennessee, your file will be routed directly to the regional office that holds their company profile. You can start the tracking file at the BBB National Complaint Portal. [1, 2]
