Verizon Reviews
Verizon Overview
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Verizon has a 1.8 star rating from 1539 customer reviews; 25% would recommend. Rating distribution shows 81% unfavorable and 9% positive. 46% say Customer Service must improve and 63% would not reuse Verizon; price level reported as high.
Key Takeaways for Future Customers
- Check recent Verizon reviews for billing and refund experiences before switching.
- Expect strong network coverage but prepare for lengthy customer service waits.
- Confirm autopay, credits, and activation details in writing to avoid disputes.
Negative Feedback / Risk Areas
- Frequent customer complaints about billing errors and delayed refunds.
- Poor customer service access: long hold times, unresolved tickets, account access issues.
- Device activation and exchange problems causing service loss.
Positive Feedback
Consistently noted good coverage and helpful in-store employees for some customers.
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Verizon has a 1.8 star rating from 1539 customer reviews; 25% would recommend. Rating distribution shows 81% unfavorable and 9% positive. 46% say Customer Service must improve and 63% would not reuse Verizon; price level reported as high.
Key Takeaways for Future Customers
- Check recent Verizon reviews for billing and refund experiences before switching.
- Expect strong network coverage but prepare for lengthy customer service waits.
- Confirm autopay, credits, and activation details in writing to avoid disputes.
Negative Feedback / Risk Areas
- Frequent customer complaints about billing errors and delayed refunds.
- Poor customer service access: long hold times, unresolved tickets, account access issues.
- Device activation and exchange problems causing service loss.
Positive Feedback
Consistently noted good coverage and helpful in-store employees for some customers.
Media from reviews





Verizon is straight garbage always lying to customers bills are never the same reception sucks. There’s nothing I can say good about Verizon.
Phone bill always was a different amount. Signal never passed. Two bars, and people were very rude and disrespectful, hung up on several times after being white.
- There are no pros
- Everything they say is to try to get you to stay with him
Preferred solution: Full refund
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |Your company has caused me great...
- - Distress over PIN request during death-related line cancellation.
- - Delays accessing the account; death certificate required and data loss unresolved.
Verizon still refuses to provide me with the assistance I need to correct their mistake. They show lack of compassion. I have done everything that they requested and still I get we will not help you, so sad, too bad.
Tonya Somera
Phone #954-477-****
Email tonyasomera@***.com
- Non
- All cons
Preferred solution: Compensation. Stated in my letters. An apology, a real one.
User's recommendation: Don’t use the service
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |Nightmare
- - Four lines moved to Verizon; phone unusable; promised exchange/return.
- - Spent hours on calls and visits with transfers and conflicting info.
I switched four lines from US Cellular to Verizon less than a week ago and my experience has been extremely disappointing.
I was sold a Samsung phone that I quickly discovered I could not use effectively for my business. I was told I could exchange or return the device within the return period.
Since then, I have spent countless hours on the phone, online chat, and visiting stores trying to complete what should be a simple exchange.
I have been transferred between multiple departments, given conflicting information, and repeatedly promised solutions that never happened. One representative specifically told me he personally contacted the Verizon store in ***, *** and arranged for me to exchange my phone. I rearranged my work schedule and drove to the store, only to be told that no such call had ever been made and they could not help me.
I have now spent several hours trying to resolve this issue, including a three-hour round trip to a corporate Verizon location that also turned me away. Meanwhile, I am still stuck with a phone I cannot comfortably use and have had to rely on my old device through a mobile hotspot just to keep my business running.
To make matters worse, Verizon also incorrectly designated a newly added line as the primary account contact, creating additional confusion and delays when trying to verify my account.
I expected a smooth transition when moving four lines to Verizon.
Instead, my first week as a customer has been filled with misinformation, broken promises, excessive transfers, wasted travel, and an incredible amount of frustration. The issue itself should have been simple. The fact that it remains unresolved after nearly a week is unacceptable.
I am not upset because I dislike a phone.
I am upset because *** has repeatedly failed to provide accurate information or a clear path to resolve the problem. I simply want the device exchanged for one I can use and for Verizon to honor the information I was originally given.
Preferred solution: I want Verizon to honor my exchange, fix the account errors they created, protect my return window, provide a single point of contact, and issue a $200 credit for the time, travel, misinformation, and frustration I have experienced.
User's recommendation: Run the other way!!
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |My claim for one of my phones not accepting by Asurion and I going to switch carriers
My phones that I picked up on 2 separate occasions were stolen but never filed a CMPD REPORT due to the last time I requested an incident report from them and was denied. Asurion and Verizon think it’s fraud because the phones were intentionally not activated due to my new nonprofit business I am launching. Because I reside in a high crime area, Asurion/Verizon policy is not good for my business
I have ordered 2 different sets of phones, Apple 17 Pro Max. Four phones in total were stolen from me.
Yet the first set of phones didn't come with insurance, unknown to me. Now I have 6 lines simply because my number attached to these phones has a 3rd phone added to my account that was never picked up and was unknown to me.
- Nonpros
- Theft of funds for service not rendered
Preferred solution: Deliver product or service ordered
User's recommendation: No to Verizon
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |Verizon is Awful
- - Replacement phone couldn't be activated, leaving service down for days.
- - IMEI mislinked to a Business rental blocked activation for a consumer line.
**Verizon sent me a replacement phone that could not be activatedand left me without service for days**
I have been a Verizon customer for more than a decade, but this has been the worst customer-service experience I have ever had with any company.
My original phone stopped holding a charge and would no longer turn on. There was no water damage, cracked screen, or customer-caused damage.
Verizon sent me a certified replacement device, but the replacement could not be activated.
After many hours on the phone and in chat with numerous representatives, Verizon finally determined that the replacement phones IMEI had been incorrectly associated with a Verizon Business rental program. Because I have a consumer account, Verizons system rejected the phone with an incompatible or invalid-plan error.
Verizon opened service-impacting ticket INC01725****, but the issue remained unresolved. At one point, the ticket appeared to have been completed, yet another activation attempt confirmed that the same error was still present.
I spent well over 20 hours dealing with Verizon through chats, phone calls, authentication requests, repeated troubleshooting, transfers, long hold times, and disconnected calls. I also spent approximately an hour with a Level 2 technician before the call disconnected.
Representatives repeatedly promised proactive follow-up, but I often had to chase Verizon for basic updates and sometimes received no response for hours.
Verizon applied a $300 account credit, but even its own representative acknowledged that the credit was not the resolution. The resolution was supposed to be a working phone, and I still did not have one.
This was not merely an inconvenience. I rely on my phone for work, everyday responsibilities, and communication with an elderly parent who has health issues. Verizons mistake directly affected my daily life.
After days of escalation, Verizon finally agreed to send another warranty replacement using overnight shipping under order number 56031****.
Verizon also stated that the original IT ticket would remain open and escalated until either the restriction was removed or the new replacement was successfully activated.
I am still waiting to see whether the new replacement actually works. Verizon has promised to review the new IMEI once it is assigned to ensure it is not associated with the same Business rental restriction.
The most frustrating part is that Verizon identified the cause but still could not promptly correct its own internal device record.
Customers should not have to spend days without service, repeat the same information to countless representatives, and pursue regulatory complaints just to receive a functioning replacement phone.
I have retained the complete transcript, ticket numbers, order information, screenshots, call records, and Verizons written admissions regarding the incorrect Business rental designation.
I would strongly caution anyone considering Verizon to understand how difficult it may be to obtain timely help when an internal system error occurs. A company this large should be able to provide a working replacement phone without forcing a longtime customer to spend days fighting for basic service.
User's recommendation: Stay away from Verizon as far as you can
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |Resolved: How do I get a refund? My network been...
Company fixed the issue and I have been provided with product replacement. Sent a new Sim card. Make sure to ask for a representative.
How do I get a refund? My network has been off for two days.
It only says emergency calls only. I can't text or make calls. My phone says it's not registered to the network, but I pay and have money in the balance.
How do I even get that money back if there is no network? I have been a loyal customer since 2024.
- Discounts
- Pay bills but bad services
- Network failure
Preferred solution: Full refund
User's recommendation: Switch over
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |I am writing to formally dispute a...
- - Modem was returned via UPS Store during relocation; no receipt.
- - Request debt validation and review of return records; seek removal from collections.
I am writing to formally dispute a collections charge placed against my account for an internet modem/router that Verizon alleges was not returned following my relocation from 10010 Moorgate Avenue, Apt 204, Spotsylvania, VA 22553, to my current address above. This equipment was, in fact, returned.
I shipped the modem to Verizon via the UPS Store located at 15000 Potomac Town Pl, Ste 100, Woodbridge, VA 22191, at the time of my move, in accordance with the return instructions I was given. I do not currently possess, and have not possessed since that time, the equipment in question. I want to be transparent about one point: I did not retain a receipt from the UPS Store confirming the shipment, as I was not advised that this was necessary and reasonably assumed drop-off was sufficient. I recognize that omission has complicated this matter, and I regret it.
However, the absence of a receipt is not evidence that the equipment was not returned; it is simply the absence of a paper trail on my end. I would also note the following, which I believe is directly relevant to Verizon's own records: I contacted Verizon regarding this matter on multiple occasions by phone and in writing, and was advised each time that my account was clear and that no equipment was outstanding. It was not until mid-July 2025, many months after my move and after I had already been told I was in the clear, that I was contacted again and informed the equipment was allegedly still outstanding. This matter has now been unresolved for approximately one year, despite my repeated good-faith attempts to resolve it directly with Verizon representatives.
Given this history, I am requesting the following: Validation of debt. Please provide written validation of this debt as required under the Fair Debt Collection Practices Act, including the date the equipment was allegedly due, any tracking or return records Verizon has on file, and the basis for reopening this matter after I was previously told my account was clear. A full internal review of the account notes from my prior calls and correspondence, which should reflect that I was told on more than one occasion that no equipment was outstanding. Immediate removal of this charge from collections and correction of any associated credit reporting, pending resolution of this dispute.
Written confirmation once this matter is resolved, for my own records. I take this matter seriously, both because of its impact on my credit standing and because of my professional obligations. I hold a Top Secret/SCI clearance as a government contractor, and I am a retired police lieutenant with 24 years of law enforcement service, as well as a former magistrate for the Commonwealth of Virginia. My integrity and credit standing are not incidental to me; they are professionally and personally essential, and I do not make representations of fact lightly.
I am requesting a prompt and thorough review of this matter and a resolution that reflects the actual facts of the equipment return. I am glad to provide any additional information that would assist in confirming this, and I request written confirmation of this message.
- Quick service
- Customer representative personnel often have language barriers
Preferred solution: To be absolved of this alleged missing equipment and to have it removed from my credit report immediately with a written notice I can file with Experian, TransUnion and Equifax.
User's recommendation: Even if you physically walk into a brick and mortar firm, get a receipt! Escalate up to the highest levels
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerMy wife and i live in Winnemucca,...
Russell Cellular our Verizon store will add "perks" to your bill .you won't know until your next bill.they are not verbally telling you to make their commissions they added things to my wife's bill a disabled 13 year navy vet on a fixed income 100GB Hotspot and Disney channel she never asked for let alone wanted. I was there those things were never mentioned
Here she paid both phones off ,before she did her bill was $70 She called you up and said it would be fixed and investigated and said she should return the Verizon home box if she djdnt want it since the 30 days weren't up yet. She took it to the same store that gave it to us they told her she needed a shipping label and would have to send it in .it was put in the original box the same way we got it. She said that was crazy they told us to bring it back to them in 30 days if we didnt want it not we have to ship it. So she left it there came home.
Couple weeks now gone by she gets a bill for $300 saying she had to pay for the box . I dont know what kind of scam they're trying to pull on us but sounds like they are trying to sell people things they do t want. And trying to snake things in your bill just to make more money hoping you dont *** or that they at least get you a month for the inflated bill .this store is so frickin shady ! You might want to look into it we are looking at other service now.
To be that blatantly dishonest is is very disgusting. Especially when she js a disabled veteran who served 13 years in the navy on a fixed income .
They took advantage of her ! Sickening on so many levels
- Good reception
- I just got kicked out of my home with my two dogs with no food and just the clothes on my back because she said i was supposed to be the one who took the box back so its my fault they are wanting to charge her for it she has ptsd and anxiety she is crying
Preferred solution: Price reduction
User's recommendation: Don't do business at Russell Cellular in Winnemucca Nevada they weasel things into your bill you never talked about selling you things you didnt buy!
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |Unauthorized telemarketer calls
- - Harassing spam calls were logged over several days; Do Not Call Registry forms were filed; reports to the FCC and VA disruptions noted.
6-20-26
Not sure how many people were assaulted by telemarketers after their phone numbers were hacked so, I've documented a shot list of calls that doesn't include a bunch more and reported it to the FCC and local law enforcement to make it a matter of record.
G.
Version complaint filed 6-17-26
6-16-26
Spam calls as of 6-12-26, 6-14-26, 6-15-26 and 6-16-26
#1. 6-12-26 approximately 12:00 p.m.
a female operator called my number and mentioned my INA supplemental insurance (Insurance Company of America) was incomplete. When I asked what this was about I was ignored and switched over to a guy who was asking if I had part A&B medicare coverage. He said it wouldnt cost me anything and kept talking. I interrupted and asked what this was about considering I was informed that my coverage wasnt completed.
I told him someone else tried to get me the extended coverage in my area but I didnt qualify. He asked when I tried, etc. so I said I wasnt interested but he still kept talking so I hung up. Thinking this was a one-off I deleted the phone number.
Shortly thereafter I got call # 2., *** at 3:47 p.m. and # 3 at 4:07 p.m. from *** and another at 4:45 p.m. that I blocked instead of logging it.
Not thinking my phone number was sold I dont remember the calls on the 13th so; on 6-14-26 I started to keep a log of incoming calls.
6-14-26 11:50 a.m. number ***. At 11:54 call *** came in.
6-15-26 11:41 a.m. another call at 12:20 p.m.*** was about house wares, etc.
another at 5:48 p.m. *** about the food media. At 6:10 p.m.*** regarding getting $180.00 off my insurance. Another at 6:15 p.m.
*** that was blocked as potential spam. At 6:30 p.m. *** from a funeral center. I blocked it.
At 6:41 p.m. ***. Last one recorded 6:45 p.m. ***.
From there I remembered many years ago there was a Do Not Call Registry so, I looked it up and filled out the forms.
Today however on 6-16-26 at 9:52 a.m.
I almost blew off a very important call from the Veterans Administration regarding a complaint to the Secretary of the VA *** thinking it was more harassing spam. FYI, Im a 100% disabled Marine Vietnam vet and former lawman retired for preexisting war wounds.
At 10:20 a.m. number *** I was right in the middle of speaking to the investigating doctor that was put on my case when my phone kept ringing interrupting our conversation so, I had to tell the doctor I had to wait due to numerous calls that have been assaulting me for days. At 10:54 number *** I got another call after I hung up from the Doc at 10:34 a.m.
When I got a notice I have a message in voice mail that went in at 9:24 a.m.
unbeknownst to me from number *** there was dead silence for over 21 seconds before I hung up.
This whole fiasco in my opinion stinks to high-heaven.
My old flip phone is all I have to the outside world and has been comprised. Someone should be help accountable.
***
Preferred solution: Verizon needs to give people the option to fill out a complaint form to make it a matter of record not call into the Customer Service Department where we a tolod there is nothing they can do. The need to have a program that blocks all telemarketers.
User's recommendation: No way to file a complaint with Verizon.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |I am a new Verizon internet customer as...
- - Delayed router shipment; used a router and was promised a return label, which never arrived; autopay shows unpaid with late fees; support issues.
I am a new Verizon internet customer as of about 06/01/26. At the time, a router was being shipped to me, but there was a delay in shipping.
As such, I went to the local Verizon store and obtained another one to get started sooner. The agent at the Verizon store told me I could request a return shipping label to send the other one back once I received it. Later, after receiving the second router (which is still in the box and unopened), I was able to speak to an agent (miraculous). The agent said I would be getting an email with a return label to ship the unused router back.
That was at least three weeks ago, and no email. Furthermore, I set up autopay from my checking account as per the directions on the website. I have double and triple checked my online account to make sure the autopay is in effect. Nonetheless, my account remains unpaid and apparently, they are tacking on late fees.
In addition, there is the threat of my account being eliminated altogether for non-payment.
Of course, they are also charging me for the use of the second router that is still in the unopened box. Customer service is painfully difficult to come by - either by chat or voice.
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Verified ReviewerExtremely poor customer service
- - Verizon charged $30 for an allegedly unpaid bill despite card payments.
- - I was on hold over an hour and four chat attempts went unanswered.
Verizon is an absolutely horrible company. They imposed a $30 charge saying that a bill had not been paid by my bank.
This is absurd because I have my Verizon charges paid by my credit card company and have physical evidence that my Verizon charges have been paid regularly for many months. I called the company to try to resolve the problem and was kept on hold for over an hour. I then tried Verizon chat to deal with the issue. The chat never responded.
I tried four separate chat sessions and never got a response. Verizon claims to have 'customer service.' In reality, there is none.
- Poor customer service
Preferred solution: Price reduction
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Verified ReviewerNo customer service
- - Online support couldn't help and referred to a store.
- - In-store, a new employee and a manager couldn't resolve it; the goal is one account for discounts.
I also spoke with customer service via phone call, and again, I was told to go to a store. The customer service rep on the phone seemed unable to understand what I needed.
The store had one new employee and a 'manager,' but neither one had a solution to my problem, with one saying 'dunno' and the alleged manager saying what I needed to do could not be done. I was simply trying to get my husband and me both on the same account so I could take advantage of the many discounts they offer to their customers.
- Employees showed disrespect to customer
- No solution was given
Preferred solution: Family/group discounts
User's recommendation: don't waste your time at tcc in kennett square
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Verified Reviewer |Incorrect billing and charges
- - Billing errors and unauthorized services reported after contacting Verizon reps; concerns include unethical staff, possible fraud, and elder abuse.
After over 3;30 hours on the phone and speaking to four Verizon reps., I am hoping that all the errors in billing and probable unethical employees at Verizon stores, possible fraud and definitely elder abuse also have been resolved particularly signing me up without my permission for internet service and equipment I did not order in an area that Verizon does not even have Internet service and adding an extra phone line definitely without my permission have been resolved and I humbly thank the Verizon reps. The proof will be in the credits I receive in the next few monthly bills. If not I guess it Ill be a visit to small claims court special division.
User's recommendation: Do not be trusting and check your phone monthly for add ons you did not order and are being billed for.
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Verified Reviewer |Urgent help with two cancelled lines and incorrect billing
- - Two lines were delayed, never arrived, and canceled without my request.
- - Verizon issue blocked transfer; please remove charges and provide case number.
Hello,
I need your urgent help with a serious problem involving two mobile lines and my billing.
In December 2025 my family switched from Verizon to AT&T with six lines under my mothers name and tradein of our old iPhones. Four lines were successfully transferred and activated.
Two remaining lines were delayed and never arrived. We repeatedly contacted your representatives and were told to wait for the devices and then bring all old phones for tradein.
Later we were informed that the two delayed lines/devices were cancelled, but we never requested any cancellation. At the same time there was a nationwide technical issue at ***, so we could not obtain the transfer PIN in time.
Because of these technical problems, those two numbers were never properly activated with either company, and we could not use them.
Today I received notice that I missed the deadline to return devices, and I am also receiving bills for these two numbers, even though I could not use them due to this unresolved technical issue and repeated system errors on the carrier side.
I kindly ask you to:
1.Investigate and fix the status of the two affected lines (either activate them correctly or close them without penalties and device charges).
2.Remove or credit all charges for the period when these two numbers were not working and I could not use the service.
3.Confirm that I will not be charged any fees or penalties related to tradein or cancellation for these two lines, since I never cancelled them and followed all instructions.
Please contact me as soon as possible by phone or email to discuss and resolve this issue. I would appreciate written confirmation of the resolution or case number for this complaint.
Thank you for your time and assistance.
Best regards,
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Verified ReviewerLiars and shady
- - The setup was at the wrong address and unresolved after hours.
- - They requested access to personal information on devices and threatened shutoff.
Completely lied and did not follow through on promised resolution. They do not care about telling any form of teuth and then turn around and deny ever saying anything they make as promises.
We spent multiple hours on the phone between customer service and quote. ", Tech Support and still no true resolution. Then, they started sending repeated request to access my personal information technology, including my cell phone and my computer and wanting to see everything on it. This is considerably unacceptable and a complete and utter invasion of personal
And privacy they also threaten to shut off the internet service.
Completely lacking in professionalism and quickly losing any respect for them.
Raise prices and lower service. Lower your expectations if you decide to go to Verizon sad when ATT is a better choice.
- Conmen
Preferred solution: An actionable apology. Not just words but actions. Pay off my phones
User's recommendation: Avoid like the plague.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |To let people be informed
- - Bills fluctuate from about $145 to $192 with missing credits.
- - Autopay issues, expired credits, and Verizon promised a temporary cut, still high.
My bill has been fluctuating to the tune of $30-50 a month. I had to call last month because it was $178 when it has been around $145.
The customer agent told me there was a credit missing. Apologies, she said it will be $138. Now this bill came, and they wanted $188, so I called again. They said one problem was I wasn't on autopay, but yes, I was; they take it every month out of my account.
So she fixed that. Then she told me two credits from last year expired, and I had to wait for them to offer me something else, but that she could lower it to $170 till next month, and the bill will be $192. She said to call back next month, and I will because my third device will be paid off. If they do not get my bill right by then, all devices are paid off.
I will go somewhere else.
I shouldn't have to call every month to get my bill down to what it's supposed to be and more than what they are offering new customers. I have news for you, Verizon: take care of your loyal people, and word of mouth will bring you new members, just as word of mouth will end potential customers!
- Customer support
- Good coverage and phone service
- Fluctuating bills
Preferred solution: Price reduction
User's recommendation: Get it in writing
About
, , , ,
Verizon was founded in 1983 as Bell Atlantic Corporation. It got seven Bell Operating Companies from AT&T company after its breakup. Nowadays the company is headquartered in New York, New York. Verizon Communications, Inc. was created in 2000 after the acquisition of GTE be Bell Atlantic, which was one of the largest mergers in the US history. The name of the company is a portmanteau word formed from veritas and horizon. The company specializes in communications services providing Broadband Internet services, Television services, wireless telecommunication services and Local wireline. Company's net income is $6,119 billion. Verizon Communications employs over 239,000 people. The tag line of the company is: "We never stop working for you".
Verizon is ranked 454 out of 2407 in Telecommunications category
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what you should of done is to a corporate store with the death certifcate and close the account
What should have happened is that Verizon should have verified that I was on the acct as an administrator before any action was taken.
The problem is you called two weeks after on the phone. No way of anyone viewing a death certificate or verifying you are the spouse.
By the time you showed up in person, you already made claims of attempted fraud. Those CLAIMS got your phone erased.
The phone was turned off first while I was talking to the rep. I asked her why it was disconnected while we were talking.
Ppl need to read carefully, it’s the same problem with Verizon. I delivered in person to the store with the death certificate (original) and then they decided they want me to illegally obtain a power of attorney for my dead husband.
Do you know how long it takes for a certified death certificate to arrive? I’m living on SSI, retired, I can’t continue to pay for services not used.
Who is this “QUOTE” from? Please read carefully what I wrote or leave it be but don’t add comments because you didn’t read my comment completely.
It’s was clear by the conversation which PIN he wanted. Say he needed to may sure it was valid and I did not feel comfortable with this, that’s why I called my bank and was informed that an attempted transfer had been done but cancelled because I quickly put a hold on my card.
I tried to follow your post. Some thoughts about what happened.
Initial request for a PIN was the PIN for the Verizon account. This is security when adding to or canceling service over the phone. Either the rep misspoke or you misinterpreted. (Easy to do).
You believing and retelling the PIN/banking story to repeated Verizon reps made them think fraud. So your phone was erased remotely. FYI, all utility bills are canceled upon notification of death. And you were either Executor of the estate (there was a will naming you) or Administrator (no will but by being spouse) and should not be experiencing this.
Good luck. PS - Apple can help get your data back one you resolve this with Verizon.