Asurion Cell Phone Insurance

In July of this year, my daughter damaged her cell phone while on vacation in Rhode Island. Asurion sent a new phone to my mother's address in RI. On our way to the airport July 26th, we dropped the pre-paid postage envelope with the pieces in the mail. On 9/10, I noticed a $ 175 charge from Asurion on my checking account. This caused 7 other transactions to overdrawl. I called for a refund which I received for the $175 but when I demanded compensation for the bounce fees they refused. In the mean time 6 more transaction overdrew due to the money going to overdraft fees. So I am out $455 for nothing. When we call we are put on hold for up to an hour each time and then put to a general mailbox.