Talked to numerous reps and managers. They will not reverse the charge. Tried explaining that I would pay the insurance claim charge had I known a scratch would warrant the charge.
So as of an hour ago, I am a T-Mobile customer. My nexus 5 arrives in a few days.
This community has been great and I hope the great development continues for this wonderful phone.
I'll still lurk and help in my thread and with issues, but I'm out yo.