AGI TMO Service Fee: 5 Shocking Reasons This Charge Is On Your Statement (Legit Or Fraud?)

The "AGI TMO Service Fee" is one of the most confusing and alarming line items to appear on a bank or credit card statement today, December 10, 2025. This charge, often appearing alongside a cryptic phone number like 866-866-6285, causes immediate panic for thousands of consumers, sparking a frantic search to determine if they’ve been hit by an unauthorized charge or a legitimate, but poorly explained, fee. The truth is complex: this charge is deeply tied to T-Mobile’s device protection program, but its presence on your statement can signify either a necessary payment for a recent phone claim or, in a growing number of cases, a sophisticated financial scam.

The confusion stems from the vague descriptor. "AGI" and "TMO" are abbreviations that do not immediately translate to a familiar company name for the average user, leading many to assume the worst. This in-depth guide will unmask the entities behind the fee, explain the legitimate reasons you would see it, and provide the crucial, updated steps you must take if you suspect the charge is fraudulent, ensuring you protect your finances from a potential scam.

The Essential Breakdown: What AGI TMO Really Stands For

To understand the charge, you must first decipher the acronyms. The TMO portion is straightforward, referring to the major wireless carrier, T-Mobile. The AGI component, however, is the key to the mystery, representing Assurant Global Protection Services.

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Assurant is the third-party company that partners with T-Mobile to administer its comprehensive device protection programs, such as Protection 360 and Device Protection. When you file a claim for a lost, stolen, or damaged mobile device, you are dealing directly with Assurant, not T-Mobile’s internal billing department. Therefore, the AGI TMO Service Fee is, in its most legitimate form, a financial transaction processed by Assurant on behalf of T-Mobile customers.

The Legitimate Reasons for an AGI TMO Charge

If you are a T-Mobile customer with a device protection plan, there are primarily two legitimate reasons this charge would appear on your statement. These charges are typically processed separately from your monthly T-Mobile phone bill, which is a major source of customer confusion.

• Device Protection Deductible: This is the most common and legitimate reason. When you file an insurance claim for a phone replacement (due to loss, theft, or irreparable damage) or a screen repair, you are required to pay a deductible. This deductible amount varies significantly based on your specific phone model (tier) and the type of claim filed. The AGI TMO charge on your statement is the payment of this deductible to Assurant.
• Service Fee for Claim Processing: In addition to a deductible, some claims or service actions, such as an expedited replacement or a specific type of repair, may incur a smaller, non-deductible service fee for the administrative costs associated with processing the claim.

The deductible amounts can range widely, from a small fee for a simple screen repair to hundreds of dollars for a high-end smartphone replacement. If you recently filed a claim through the mytmoclaim.com portal or the Protection 360 app, this charge is likely the corresponding payment.

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Key Entities Involved:

• T-Mobile: The wireless carrier providing the service.
• Assurant (AGI): The third-party insurance administrator.
• Protection 360: T-Mobile’s premium device protection plan.
• Device Protection: The general term for the insurance coverage.
• Deductible: The out-of-pocket cost for a claim.
• Claim ID: A unique identifier for your service request.
• 866-866-6285: Assurant’s dedicated customer service line for T-Mobile claims.

The Alarming Truth: AGI TMO as a Fraudulent Charge

Despite its legitimate origins, the AGI TMO Service Fee has become a notorious red flag for unauthorized charges and credit card fraud. This is the most critical and updated information consumers need to be aware of in late 2025. The charge's vague nature makes it an ideal cover for scammers attempting to process illicit transactions.

Reports across various consumer protection forums indicate that individuals who are not T-Mobile customers, or T-Mobile customers who have not filed a recent claim, are seeing this charge. Common fraudulent amounts reported by victims often hover around a flat rate, such as $175, which is a typical deductible for mid-tier phones, making the scam charge appear more credible.

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5 Shocking Scenarios Where the Charge is Fraudulent

1. Identity Theft and Unauthorized Use: Scammers acquire stolen credit card or bank information and use it to pay the deductible for a phone they intend to receive and resell. Since the transaction is for a legitimate service (a device claim), it often bypasses initial fraud detection systems.
2. Non-Customer Billing: You see the charge, but you have never been a T-Mobile customer. This is a clear indicator that your payment information has been compromised and used to pay a third party's deductible.
3. Multiple, Identical Charges: Victims report seeing the same AGI TMO charge (e.g., $175.00) appear two or three times within a short period, such as minutes apart. This is a classic sign of a fraudster testing and then maxing out a stolen card.
4. Account Takeover Scam: In rare cases, a scammer may have gained access to your T-Mobile account, filed a fraudulent claim in your name, and paid the deductible using a connected payment method.
5. Vague Descriptor without Details: While legitimate charges often include a phone number or a reference to "INS DEDUCTIBLE," highly fraudulent charges may appear with minimal information, relying solely on the AGI TMO descriptor to confuse the consumer.

The fact that the charge is associated with a legitimate, high-volume company like Assurant gives the fraudulent transaction a veneer of authenticity, which is why it is so effective in deceiving consumers and financial institutions.

Immediate Action Steps: Your 2025 Financial Defense Plan

If you see the AGI TMO Service Fee on your bank statement or credit card statement, do not panic. Follow this step-by-step guide to determine the charge's legitimacy and secure your accounts. This is your updated protocol for late 2025.

Step 1: Verify the Charge's Origin

First, check your own records and your T-Mobile account.

• Did you file a device claim recently? Check your email for confirmation from T-Mobile or Assurant regarding a recent repair or replacement claim. Look for a Claim ID number.
• Check the Amount: Compare the charge amount to the official deductible schedule for your device and claim type. If the amount is $0 or a round number like $175 and you have no claim, proceed with caution.
• Contact Assurant Directly: Call the verified number for T-Mobile claims assistance: 1-866-866-6285. Do NOT rely on a phone number listed on your bank statement, as fraudulent charges sometimes use a fake number. Provide your T-Mobile account details or the charge amount and ask them to look up a corresponding claim.

Step 2: If the Charge is Confirmed as Fraudulent

If Assurant confirms there is no claim associated with the charge, or if you are not a T-Mobile customer, you must act fast to prevent further financial loss.

• Contact Your Financial Institution IMMEDIATELY: Call your bank or credit card company (Visa, Mastercard, American Express, etc.). Report the transaction as an unauthorized fraudulent charge. Request a chargeback or dispute the transaction. They will typically cancel the card and issue a new one to prevent future unauthorized billing.
• File a Police Report (Recommended): For larger amounts, filing a formal police report for credit card fraud or identity theft can provide additional documentation needed by your bank for the dispute process.
• Change T-Mobile Account Passwords: If you are a T-Mobile customer, immediately change your account password and enable Two-Factor Authentication (2FA) to secure your account against potential takeover attempts.

The AGI TMO Service Fee is a classic example of how legitimate business partnerships can be exploited by fraudsters. By understanding the connection between Assurant and T-Mobile, and by following a strict verification protocol, you can quickly differentiate between a necessary deductible payment and a malicious unauthorized transaction, safeguarding your financial security in the process.