I love my red 1520, best phone I have ever had so far. Last month I bought another 1520 a yellow one for my second line, activated it with AT&T. They will replace it brand new if it's defective under 14 days and after 14 days they will replace it with a refurbished one. After the 15th day I realized the phone was not detecting the micro SD card so I took it back to ATT, they checked and said it was defective and will send me a refurbished yellow 1520 and I can send the defective one to ATT. I was not happy since I had paid for a brand new one less than a month ago.
So, I decided to stop at my local Microsoft store right after I left the ATT store and see if they would replace it since they now own Nokia. Guess what? They gave me a brand new yellow 1520 right at the store. Before I left the store I made sure the phone detected the SD card without any problem, everything worked fine and I was happy. I received the refurbished 1520 in the mail 2 days later and sent it back to ATT. It came with prepaid postage, box and tape to send it back.
So, if you have a Microsoft store near you, definitely call or visit the store.