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suspended line charge is more than expected

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Why when I look at my bill my charges fora suspended line are as much as if the phone was in use ? I had a Galaxy s4 that was stolen I had insurance on it but to replace it, it would cost me$200.00 which i am unable to pay due to i am disabled and on limited income. So I asked for line to be suspended and I am still being charged as tho I am using it. Please help.

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