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I'm forced to loan AT&T money with BOGO phone

I bought two phones under a BOGO offer. I paid for the phones up front: $1000. On my first bill I was charged $41.67; the 1st of 24 installments for the free phone. This phone was free! My second bill I received a $41.67 credit, but was charged the 2nd installment of 24. And so it goes; I'm credited

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