Just because you had a positive experience doesn't negate the less-than-positive experiences of others. There are plenty of Better Business Bureau complaints about people receiving much lower quotes once their devices were received by Phobio. https://www.bbb.org/us/ga/atlanta/profile/ecommerce/phobio-llc-0443-27756683/complaints Neither the OP nor bbdenarz stated Apple is running a "scam sting operation." But a third party is involved, and it doesn't sound like Apple is stepping up when the third party (Phobio) is disappointing customers. In the title, the OP stated the promotion is a scam, and it may well be, given the number of users who have complained.