What chat settings are you taking about ? If you mean an app other than your regular stock text messaging app then you should ask on that specific app review or forum. You can try going into settings and under apps look for the app in question and clear the cache of said app and then open it again.
Its like that at all carriers you pay a deductible it's insurance for your phone just like your car when you get in an accident you have to pay a deductible. Experience will be the same everywhere. Heck you're lucky if you get the exact same phone you insured from these places
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