What application did you use to download the ringtone?
VCast Tones
Ok, I don't use this myself, but since the app itself is free I downloaded it and took a looksee. After I agreed to the scary sounding bit about being charged for downloads I got the to the main screen. At that point you have several options.
* What's Hot
* RBT Jukeboxes
* Genre
* Music Inbox
* Manage Ringback Tones
* Recent Purchases
I'd guess what they want you to do is open the Music Inbox. At that point choose the Downloads option. This should go to their site, check for pending downloads, and start any pending or incomplete downloads automatically.
If that says there are no downloads go back to the main screen and look in Recent Purchases to make sure it did not already complete the download.
If none of that works you'll have to battle Verizon tech support. I'd call the number and work your way through that way. Local reps are trained mostly to sell phones. Their ability to help you on tech or store related problems is pretty limited.
That's about as much as I can do for you. I'm not willing to spend any money to run through the purchase process myself. I recommend doing a little reading on the internet and forums. There are several ways to get ringtones without paying Verizon, and the variety is larger too.