Oddly I pay $45 per month unlimited talk, text and data. On my iPhone on AT&T. And I am 100% protected from any of these charges.

Go figure, those who pay more get screwed more. Its a miracle you got a refund at all! AT&T have lost customers over this exact same issue. They end up eating the cost usually, hence the improbable refunds. Congrats indeed!

__________________
1991 560 SEL / 185k miles
1992 750il / 17k miles - project car