We didn't have Assurion, and the phone was out of the return window. But here is what happened. My wife called me to come down there since things were not going well. I guess a couple of the pins were missing and they were saying that this was damage caused by her, so they couldn't do anything. My wife informed them that the pins had been loose since the beginning, the chargers kept falling out, never seating tightly and not all cords would even work. I do remember her talking about this problem, but forgot about it entirely since she just made do. So, basically, the unit was defective when we got it.
They got obstinate and said that we should have raised the issue right away and that, by waiting, we forfeited any right to complain about it now that some of the pins actually came out. They said, further, that there was no way to determine whether we were telling the truth about the pins having been loose. There was a fairly heated exchange in which I pointed out that we had, over the last couple years bought two Incredibles, a Droid, a Thunderbolt, a Razr Maxx, a Nexus and a Rezound and that we are good customers and should be given the benefit of the doubt and not be punished for trying to make a defective product work.
In the end, they agreed to order a replacement to come overnight, and we would send back the existing phone. But they warned that Verizon may see the lack of pins and want to charge the full price of the phone. At which point I will call them directly and deal with it.
So, we will see.