I took my son to the store so he could buy a phone since he had a job, they said he could make the payments to Smart Pay every two weeks. No one said a word about interest charges or fees or anything, just the price, and the payment amounts which added with the down payment I made should have already paid off the phone, given the total. Nope. Now after all the money paid, somehow he still owes the whole amount he owed after my down payment. He has been paying for 3 months and 1 week. I just paid off the remaining balance and it was no less for paying 7 months early than it was at the start. This makes no sense at all. We never asked to lease a phone, we went in and said we want to buy a phone. There was no mention of any charges for using Smart Pay, nor did we request financing. I have a credit card already. This is the most ridiculous thing I have ever heard of and I am very angry, my son is 15, and this is his first job and he was buying this phone himself. I am on Social Security Disability due to having a stroke from a large braiin tumor when my oldest child was about to be born. Now we are both out around $550 and have only one new phone for the price of two. That was the original price of the phone. The guy at the store told us that was just how we made the payments, not anything about any financing or interest. I would have just bought the stupid thing if he had said anything about that.
Definitely a company trying to get credit card informationWas approved several times and sent multiple emails with approval codes and approved lease amount indicating shop now as well as reminder emails to shop before expired approvalThe problem is that when I attempted to use the email approval codes there was no where to apply the codes only a resubmitted application to smartpay that would generate a new text messaged approval code that when used would come back as denied unabl to process at this timeWhen contacting smartpay the reps were not knowledgeable they just read from a prompted scrip and avoid the direct questions asked such as why did I just receive a approval and an approval code in two separate emails then use the code to get denied and furthermore why does an account exist under my information still with two credit cards attached that smartpay will not remove?? Why would you approve me and store my credit account I information if you were not going to service me? Don't responded with I answered verification questions incorrectly because I was not asked any
Initial Business Response / [redacted] (1000, 5, 2015/07/22) */ Contact Name and Title: [redacted] RDirector of C Contact Email: [redacted] @smartpaylease.com Dear Ms***, Thank you for contacting SmartPayI have taken over your case, and I want to apologize for any confusion that may have occurred while you were applying for and accepting your SmartPay LeaseWe take this information very seriously and we will be investigating your claims to make sure this does not happen in the futureAs for your lease dated June 14, 2015, you leased the items listed below from the MetroPCS store located at [redacted] As per your lease agreement, you agreed to make an initial payment of $and payments of $172.01, and at the end of the term, you would own the items listed below: Items Leased G Stylo LG Stylo I have attached a copy of your lease agreement to this emailIt is also available to you online at anytime at SmartPayLease.com/Login As of today, you have made of your payments, and it appears we have been unable to collect the lease payment that was due on 7/14/From your previous communication, you expressed the want to make payments using cashI have sent you an email and a text with information on how to process a cash payment for your SmartPay lease via PayNearMeBelow, please find a list of your remaining payments and their due dates This is a fixed Payment Lease-to-own Plan Date Amount Progress 07/14/$overdue 08/11/$scheduled 09/08/$scheduled 10/06/$scheduled 11/03/$scheduled 12/01/$scheduled 12/29/$scheduled 01/26/$scheduled 02/23/$scheduled 03/22/$scheduled 04/19/$scheduled Your SmartPay lease agreement allows you to purchase items by leasing over a set period of time, but it also allows you to terminate your lease at any timeYou may do so by choosing one of the following options: Processing an Early Payoff An Early Payoff allows you to purchase the items prior to the end of your lease term by processing a lump sum payment for the remaining retail value of the items leasedThis option is available at anytime during the lease termAs of today, you are still within your promotional BuyOut PeriodWhat this means is you may complete your lease, and own the items early, by processing a BuyOutA BuyOut means if you pay the remaining cash value of the leased items, plus 20% of the retail value by September 18, 2015, you will own the items early and not have to make any further paymentsYour current BuyOut Amount is $This includes the overdue payments of $ You may process your BuyOut online at SmartPayLease.com/login or over the phone at XXX-XXX-XXXX or by making a cash payment using PayNearMe Returning the Leased Items You may terminate your lease by returning the leased items at anytime during the lease periodOnce the items are received in good, working order, your SmartPay lease will be terminated, and you will not be charged for any future lease paymentsFor your convenience, I have attached a pre-paid FedEx label, if you chose to exercise this option Thank you again, and I hope this information is helpful Best, [redacted] Director of Customer Support
Initial Business Response / [redacted] (1000, 5, 2016/01/06) */ Hi ***, Thank you for contacting usI want to apologize for any confusion regarding your month SmartPay lease to own programFor your reference, I have attached a copy of your Lease Terms and ConditionsPlease note, these Terms are always available for your review on your customer dashboard, located smartpaylease.com/login As per your lease agreement, you agreed to make payments of $(with the exception of your initial payment of $89.39, and at the end of the term, you would own the items listed below: *Samsung Galaxy S4G LTE (Refurb) [redacted] As of today, you have made of your paymentsBelow, please find a list of your remaining payments and their due dates Payments Remaining (scheduled on pay date) This is a fixed Payment Lease-to-own Plan Date Amount Progress 01/15/$scheduled 02/12/$scheduled 03/11/$scheduled 04/08/$scheduled 05/06/$scheduled 06/03/$scheduled 07/01/$scheduled 07/29/$scheduled Scheduled payments include rental fees and taxes, in addition to a portion of the retail price of the itemsFor further details, please review the Terms & Conditions you signed when you applied for SmartPay (attached) You can save on total fees when you process a lease Buy OutSince your scheduled payment includes rental fees and taxes in addition to a portion of the retail price of the items, a Buy Out allows you to save on these fees for future months You may process a Buy Out at any point during the lease term, unless there is already a payment in progress(A Buy Out should be requested at least hours before your next due date to ensure that it is processed correctly.) Please note: A Buy Out is processed as a single transaction, and requested at the time that you are ready to make the payment A Buy Out is NOT automatic If you don't request a Buy Out, you will remain on your original payment plan Your Buy Out Amount is: $ To process a Buy Out: Go to www.smartpaylease.com/login Enter your email address and password Click the purple "Make Payment" button at the bottom of the page A window will pop upSelect "Pay the full Amount." Check to see that the correct debit card is selected from the drop-down list Click "Make Payment" If you need assistance, please contact our Customer Support Team at XXX-XXX-XXXXWe can help you process a Buy Out over the phone Once finalized, a Buy Out request can't be cancelled You can return the items to *Straight Talk [redacted] within days of receiving themIf it is after days and you'd like to cancel your lease, please follow the steps below Attached to this email is the prepaid FedEx shipping label for you to return the items directly to SmartPayIf you are returning an iPhone, please make certain you have deactivated your service and turned off the Find my iPhone feature After we receive the items in the mail, we will send you an email to confirm that your lease purchase agreement has been cancelled(If it is a partial return, we will adjust your future lease payments to reflect the remaining items leased.) This usually takes 10-days to process once the items are shipped If your phone was damaged, and you haven't purchased insurance from your carrier, you will be responsible for one of the following (the lesser amount): Fair market value of the phone depending on its condition when received by SmartPay Remaining Rent Owed Note: If you return your items to SmartPay, you will not be refunded any lease payments, as they are considered part of your SmartPay lease purchase plan If you have more questions, contact us at [redacted] @smartpaylease.com or call (XXX) XXX-XXXXOur call center is open Monday-Saturday 7am-7pm PST; Sunday 7am-5pm PST Thank you again, and have a great day Best, [redacted] SmartPay Customer Support Team
Initial Business Response / [redacted] (1000, 8, 2014/05/27) */ Hi ***, Thank you for contacting usWe are unable to find an account associated with your name or email addressPlease provide us with the email address associated with your account with us and we would be happy to look into your request Thank you Initial Consumer Rebuttal / [redacted] (3000, 10, 2014/05/31) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do accept the response because I was way over charged for what I was loaned even factoring in the interest I want money refunded into my account and them to stop taking money out of my account or I will provide a lawyer to solve the issue stated Final Business Response / [redacted] (4000, 12, 2014/06/04) */ ***, As mentioned in our previous response to your complaint: We are unable to find an account associated with your name or email addressPlease provide us with the email address associated with your account with us and we would be happy to look into your request Thank you
Initial Business Response / [redacted] (1000, 5, 2015/07/20) */ Customer was responded to directly via email on 07/20/ Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) Company offered no resolution Final Business Response / [redacted] (4000, 9, 2015/07/23) */ Dear Ms [redacted] , Thank you for contacting SmartPayWe strive to provide excellent support to our customers at all times, and I will be taking over your caseI have reviewed your file and I see that you sent your return on Monday, June 22, and we received it on June 26, Our processing time for a return is about 10-days, as noted in the email you received accompanying your FedEx label on June 19, I understand, you would like a refund for your scheduled monthly payment on June 25, Normally, we do not refund return payments until after the processing time, but I am willing to make an exception in this casePlease allow up to business days for the credit of $to be reflected on your debit card ending in Thank you again Best, [redacted] Director of Customer Support Final Consumer Response / [redacted] (2000, 11, 2015/07/28) */ (The consumer indicated he/she ACCEPTED the response from the business.) Company issued refund
This is absolutely the worst run business and how they score an A+ is beyond me I can be approved and unapproved all in one?!? Hmmm something isn't right and someone needs to get to the bottom of this!! All I wanted was to be able to have a working phone and know that its new but also not have to wait years to have the moneyThought this was going to be a great idea but customer service is horrendous and worse then straight talk itself!
SmartPay is a scam....periodI cancelled my order before the phone was to be shipped but SmartPay debited my credit card anyway and won't refund the moneyWorse yet they refuse to cancel future payments from my CC even though I cancelled my order and never received a phoneRead all of the complaints about this company before you place an orderThey are numerous and consistent
I would never recommend anyone to use this program I feel like I've been ripped off by a shady credit card company! I bought a device for $599.00, with the understanding that if I paid it off within the early buy-out (day) period, I would not be charged interest, or at worst a very low rate using smartpay By the time smartpay was done with me, I was paying $for my device, even if I paid in full the first month! If I were to remain on the "easy payment plan" my $purchase would have turned into $1,413.72; almost an extra thousand dollars! And as if this wasn't enough, they made the "early pay-off" option extremely difficult to accomplish There is no way to make additional payments on-line, AND you can only make payments in the EXACT AMOUNT shown on your lease, after waiting for a "customer service representative" EVERY TIMEThis is a backwards system that I wish I never heard about It takes advantage of people who are trying to purchase things they need on a fixed monthly income
Initial Business Response / [redacted] (1000, 5, 2015/11/05) */ Hi [redacted] , We are sorry to hear you're frustratedWe want to apologize for any confusion regarding your 12-payment SmartPay lease to own programFor your reference, we have attached a copy of the Lease Terms and Conditions you agreed to when you applied for SmartPayIt includes the following due dates: 06/05/2015, 07/03/2015, 07/31/2015, 08/28/2015, 09/25/2015, 10/23/2015, 11/20/2015, 12/18/2015, 01/15/2016, 02/12/2016, 03/11/ Please note, these Terms have always been available for your review on your customer dashboard, located smartpaylease.com/login Here is your payment history: 07/31/Manual $ 07/31/Automatic $ 07/03/Automatic $ 06/05/Automatic $ 05/08/Automatic $ The payment on 07/31/was for your BuyOut Option, and was requested by you If you would no longer like to receive information about our services and upcoming promotions, you may unsubscribe from our email messagesTo do so, please follow the steps below: Open an email from SmartPay At the bottom of the email, click the "Opt Out" link When the new page loads, click "Yes" to unsubscribe from SmartPay emails To unsubscribe from text messages: Open a text message from SmartPay Reply "STOP" to the text message We've also updated our files, so you should no longer be receiving emails or text messages from us If you have more questions, contact us at [redacted] @smartpaylease.com, or call (XXX) XXX-XXXXOur call center is open Monday-Saturday 7am-7pm PST; Sunday 7am-5pm PST Thank you for your patience, and we apologize for the inconvenience Best, SmartPay Customer Support Team
Initial Business Response / [redacted] (1000, 5, 2015/01/23) */ Hi [redacted] , Thanks for contacting usAttached are the Terms and Conditions agreed upon at the beginning of the lease If you have more questions, contact us at [redacted] @smartpaylease.com, or call (XXX) XXX-XXXXOur call center is open Monday-Saturday 7am-7pm PST; Sunday 7am-5pm PST Thank you for your patience, and have a great day Best, SmartPay Customer Support Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/01/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) The terms and conditions were never presented tto me at the time of purchaseI did not signed any lease agreement Final Business Response / [redacted] (4000, 9, 2015/01/29) */ The customer was responded to via email on 1/29/
Initial Business Response / [redacted] (1000, 6, 2015/10/30) */ Dear Ms [redacted] Thank you for contacting SmartPay, and I apologize for any confusionOn August 18, 2015, you entered into a lease agreement with SmartPay for the following items: $upgrade fee pouche case wirless speaker TEMPERED GLASS SCREEN PROTECTOR 8gb momery card On September 16, 2015, while on a call with our contact center, your requested to exercise your Early Purchase Option so as to take advantage of the Buy Out promotion that allowed you to purchase the items you leased through SmartPay earlyThis payment of $was processed per you request and it resulted in your purchase of the leased items and the canceling of your leaseWe have attached a copy of your lease terms and conditions for your information, but you no longer have any further obligations to SmartPay associated with the lease number [redacted] as once that $payment was made, you owned the items in question I hope this information is helpful Best, Initial Consumer Rebuttal / [redacted] (3000, 8, 2015/11/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) I don't accept their response and the issue is not resolvedI received a threat from them that if I didn't fill out their on line app they would begin taking from my accountI couldn't afford them to do thatBut they took buyout amount anywayI didn't have a lease with themI just want my $backThat will resolve everything Final Business Response / [redacted] (4000, 11, 2015/11/05) */ Hi [redacted] , We reviewed the call in question, and have confirmed that you did request to process an Early Payoff (for the amount of $) over the phone As mentioned before you no longer have any further obligations to SmartPay associated with the lease number [redacted] as once that $payment was made, you owned the items in question Best, SmartPay Customer Support Team Final Consumer Response / [redacted] (4200, 17, 2015/11/24) */ This complaint has not been resolvedFraud charges will be filed against themSmartPay needs to be stopped
Initial Business Response / [redacted] (1000, 8, 2015/04/28) */ The following email was sent to the customer in response to their complaint on 4/27/15: Hi, My name is [redacted] and I am in charge of following up with complaints filed with the Revdex.comI've had a chance to review your history with us and I wanted to clarify a few items The first item I wanted to address was your complaint regarding the state of the items you leasedSmartPay's lease program acts only as a payment method that helps customer's acquire the items they want and own them after they complete all of their lease paymentsWe work with stores all over the country and because our application completed online (in-store), we rely on the store employees to make sure that the items being leased are what the customers are expecting to be leasingAlthough the description of the items you leased does not mention the locked/unlocked status of your phone that you mentioned, if you feel that the store misrepresented the items that were leased to you, we suggest that you discuss it with the store manager/employee that you worked with as it is something that is not in our controlIf you decide that you no longer wish to continue to make payments and maintain possession of the items leased to you, you have the option to return the leased items (at no cost to you) and all further lease payments will be cancelled With regards to the payment you disputed, the bank's decision applies only to whether or not the charge on your debit card was legitimate or not, not to your legal requirement to make lease payments that you agreed to payAlthough the bank decided that the charge (which you requested) was illegitimate, this does not remove your responsibility for the payments With regards to the collections calls you are receiving, the payment you disputed has essentially negated the previous payment you made and has brought your account to an overdue statusBecause of this, our collections agents will continue to contact you in order to work out a way to make the payments due for your lease Please do not hesitate to contact us with any other questions or concerns Thank you,
Initial Business Response / [redacted] (1000, 5, 2015/06/22) */ The customer was responded to via email (with Terms & Conditions document included) on 6/22/ Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/06/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) Doesn't answer my complaint Final Business Response / [redacted] (4000, 9, 2015/06/29) */ The customer is claiming that they did not agree to the terms of the leaseWe responded with a copy of the lease Terms & Conditions document (which contain the terms of the lease stated) that was agreed to when the lease was agreed to They are now stating that we did not address their complaintIt is unclear how else we can assist the customer
Initial Business Response / [redacted] (1000, 5, 2014/05/13) */ The customer was responded to via email on 5/13/ Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/05/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do apologize but I don't understand the response or solution offeredI need to speak to some one in reference to this response Final Business Response / [redacted] (4000, 9, 2014/05/29) */ Customer's issue has been resolved over email
Initial Business Response / [redacted] (1000, 5, 2014/12/17) */ customer received a response via e-mail Initial Consumer Rebuttal / [redacted] (3000, 12, 2015/01/12) */ Case still unresolvedWill follwith AG office as business refused to return money and still trying to collect additional payments Business acknowledge their error in email answer to me however still not rectifying their error Final Business Response / [redacted] (4000, 14, 2015/01/15) */ customer received a response via e-mail Final Consumer Response / [redacted] (4200, 16, 2015/01/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) These are the emails I received from SmartpayOn the one dated 12/8/15, they acknowledge the confusion regarding the Early pay off and my lease but still insist on keeping the payments I made after July This is going to be escalated to the AG officeSmartpay and its affiliates have failed to appropriately advertise the use of their services as per NYC Personal Property Article XX - (XXX - XXX)dictating rental purcharse agreement (rent to own)I was not made aware of crucial elements pertaining to this program as it was moonlighted as a payment plan and not lease to own programFurther more, company failed to provide reasonable resolution to the issues raised even though they acknowledge their errors and lack of transparency/training when offering the programThey also failed to provide documentation regarding the supposed lease at the time of signature and only made it available when I complained about not having access to it Now they want to collect payment that I retracted from NovemberI believe that Smartpay is misunderstanding the fact that they are the ones who still owe me approximately $I would greatly appreciate this refund be processed in the next business days Thank you SmartPay Lease Support To me Jan at 11:AM [redacted] K(Help Center) Jan XX XX:XX Hi ***, Thanks for contacting usOn 1/3, you disputed a charge with us for $As this was the legitimate 8th Installment of the agreement, we will be sending you to our collections program to work out a repayment schedule for this paymentPer our previous e-mail, the 9th and final installment has been waived If you have more questions, contact us at [redacted] @smartpaylease.com, or call (XXX) XXX-XXXXOur call center is open Monday-Saturday 7am-7pm PST; Sunday 7am-5pm PST Thank you for your patience, and have a great day Best, Customer Support Team SmartPay Lease Support To me Dec 17, [redacted] K(Help Center) Dec XX XX:XX Hi ***, Thanks for contacting usPer the terms of your lease agreement, you agreed to make payments of $However, due to the confusion regarding the Early Payoff Option and your lease, we waived your remaining payment in our reply on December 8th, and consider your lease completeAfter looking further into this issue, we are unable to fulfill your request at this time If you have more questions, contact us at [redacted] @smartpaylease.com, or call (XXX) XXX-XXXXOur call center is open Monday-Saturday 7am-7pm PST; Sunday 7am-5pm PST Thank you for your patience, and have a great day Best, Customer Support Team [redacted] (Help Center) Dec XX XX:XX Dear ***, Thank you for contacting SmartPay supportI want to apologize for any confusion regarding your month SmartPay lease to own programFor your reference, I have attached a copy of your Lease Terms and ConditionsPlease note, these Terms are always available for your review on your customer dashboard, located smartpaylease.com/login As per your lease agreement, you agreed to make payments of $120.85, and at the end of the term, you would own the items listed below: Sam galaxy sX XXXXXXXXXXXXXXX case esn As of today, you have made of your paymentsBelow, please find a list of your remaining payments and their due dates 12/19/$scheduled Due to the confusion regarding the Early Payoff Option and your lease, we are willing to waive your remaining payment and consider your lease completeYou now own the items listed above Please allow 5-business days for our team to update your online account information If you have more questions, contact us at [redacted] @smartpaylease.com or call (XXX) XXX-XXXXOur call center is open Monday-Saturday 7am-7pm PST; Sunday 7am-5pm PST Thank you for using SmartPay Best, [redacted] Customer Support Team
Initial Business Response / [redacted] (1000, 5, 2014/12/01) */ HI [redacted] , Per your request, we have removed your e-mail address from our mailing listPlease do not hesitate to contact us with any questions Sincerely, BetterFinance Customer Support
Initial Business Response / [redacted] (1000, 5, 2014/04/29) */ The customer was responded to via email on 4/29/ Initial Consumer Rebuttal / [redacted] (2000, 7, 2014/05/01) */ (The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response / [redacted] (1000, 5, 2015/07/14) */ Customer was responded to directly via email on 7/14/ Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) There's no resolution in this matter because they said I'm still responsible for the 20% They claimed that what's I agree to which I had no clue that was the caseIt's been days and I'm still waiting for the ups label to return the item before the 21st of July I think they are delaying the label to find me liable to pay them rental feesThey said the ups label will be sent via email but I haven't received anything as of this minute Final Business Response / [redacted] (4000, 16, 2015/07/31) */ Dear Ms***, Thank you for contacting SmartPay supportI want to apologize for any confusion regarding your month SmartPay lease to own programFor your reference, I have attached a copy of your Lease Terms and ConditionsPlease note, these Terms are always available for your review on your customer dashboard, located smartpaylease.com/login As per your lease agreement, entered into on April 22, 2015, SmartPay purchased the items listed below for a retail value of $and you agreed to make payment of $and payments of $43.46, and at the end of the term, you would own the items It appears you decided to exercising your Early Payoff Option on July 21, This option allowed you to save $over the course of your leaseIt also completed the purchase of the items from SmartPay Just for your reference your SmartPay lease agreement allows you to purchase items by leasing over a set period of time, but it also allows you to terminate your lease at any timeYou may do so by choosing one of the following options: Processing an Early Payoff An Early Payoff allows you to purchase the items prior to the end of your lease term by processing a lump sum payment for the remaining retail value of the items leasedThis option is available at anytime during the lease term Returning the Leased Items You may terminate your lease by returning the leased items at anytime during the lease periodOnce the items are received in good, working order, your SmartPay lease will be terminated, and you will not be charged for any future lease payments Items Samsung Galaxy S galaxy sdimend case upgrade fee Thank you again, and I hope this information is helpful Best, Lisa Final Consumer Response / [redacted] (4200, 20, 2015/08/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) Smartpay continue to stress about terms and contract but I was never aware of the terms and agreement from the retailerHe simply said I have days to pay off the item in full that's the purchase price he was referring to and I specifically asked him if I had to pay any interest he said NO That was not the case he lied That's very misleading to customers The pamphlet at store also says no interest same as cashMeaning the purchase price of the item and nothing extra so that's misleading Customers are not aware of what they are getting themselves into when purchasing items on creditSome retailer's are very misleading just to make a quick buckTerms should be explained to customers and not be hidden or changed to trick customersThis is very unfortunate and I've learn my lesson I will not be doing business with smartpay ever again and I'll be informing others not to as well
Definitely a company trying to get credit card informationWas approved several times and sent multiple emails with approval codes and approved lease amount indicating shop now as well as reminder emails to shop before expired approvalThe problem is that when I attempted to use the email approval codes there was no where to apply the codes only a resubmitted application to smartpay that would generate a new text messaged approval code that when used would come back as denied unabl to process at this timeWhen contacting smartpay the reps were not knowledgeable they just read from a prompted scrip and avoid the direct questions asked such as why did I just receive a approval and an approval code in two separate emails then use the code to get denied and furthermore why does an account exist under my information still with two credit cards attached that smartpay will not remove?? Why would you approve me and store my credit account I information if you were not going to service me? Don't responded with I answered verification questions incorrectly because I was not asked any
Initial Business Response / [redacted] (1000, 5, 2015/07/22) */ Contact Name and Title: [redacted] RDirector of C Contact Email: [redacted] @smartpaylease.com Dear Ms***, Thank you for contacting SmartPayI have taken over your case, and I want to apologize for any confusion that may have occurred while you were applying for and accepting your SmartPay LeaseWe take this information very seriously and we will be investigating your claims to make sure this does not happen in the futureAs for your lease dated June 14, 2015, you leased the items listed below from the MetroPCS store located at [redacted] As per your lease agreement, you agreed to make an initial payment of $and payments of $172.01, and at the end of the term, you would own the items listed below: Items Leased G Stylo LG Stylo I have attached a copy of your lease agreement to this emailIt is also available to you online at anytime at SmartPayLease.com/Login As of today, you have made of your payments, and it appears we have been unable to collect the lease payment that was due on 7/14/From your previous communication, you expressed the want to make payments using cashI have sent you an email and a text with information on how to process a cash payment for your SmartPay lease via PayNearMeBelow, please find a list of your remaining payments and their due dates This is a fixed Payment Lease-to-own Plan Date Amount Progress 07/14/$overdue 08/11/$scheduled 09/08/$scheduled 10/06/$scheduled 11/03/$scheduled 12/01/$scheduled 12/29/$scheduled 01/26/$scheduled 02/23/$scheduled 03/22/$scheduled 04/19/$scheduled Your SmartPay lease agreement allows you to purchase items by leasing over a set period of time, but it also allows you to terminate your lease at any timeYou may do so by choosing one of the following options: Processing an Early Payoff An Early Payoff allows you to purchase the items prior to the end of your lease term by processing a lump sum payment for the remaining retail value of the items leasedThis option is available at anytime during the lease termAs of today, you are still within your promotional BuyOut PeriodWhat this means is you may complete your lease, and own the items early, by processing a BuyOutA BuyOut means if you pay the remaining cash value of the leased items, plus 20% of the retail value by September 18, 2015, you will own the items early and not have to make any further paymentsYour current BuyOut Amount is $This includes the overdue payments of $ You may process your BuyOut online at SmartPayLease.com/login or over the phone at XXX-XXX-XXXX or by making a cash payment using PayNearMe Returning the Leased Items You may terminate your lease by returning the leased items at anytime during the lease periodOnce the items are received in good, working order, your SmartPay lease will be terminated, and you will not be charged for any future lease paymentsFor your convenience, I have attached a pre-paid FedEx label, if you chose to exercise this option Thank you again, and I hope this information is helpful Best, [redacted] Director of Customer Support
Initial Business Response / [redacted] (1000, 5, 2016/01/06) */ Hi ***, Thank you for contacting usI want to apologize for any confusion regarding your month SmartPay lease to own programFor your reference, I have attached a copy of your Lease Terms and ConditionsPlease note, these Terms are always available for your review on your customer dashboard, located smartpaylease.com/login As per your lease agreement, you agreed to make payments of $(with the exception of your initial payment of $89.39, and at the end of the term, you would own the items listed below: *Samsung Galaxy S4G LTE (Refurb) [redacted] As of today, you have made of your paymentsBelow, please find a list of your remaining payments and their due dates Payments Remaining (scheduled on pay date) This is a fixed Payment Lease-to-own Plan Date Amount Progress 01/15/$scheduled 02/12/$scheduled 03/11/$scheduled 04/08/$scheduled 05/06/$scheduled 06/03/$scheduled 07/01/$scheduled 07/29/$scheduled Scheduled payments include rental fees and taxes, in addition to a portion of the retail price of the itemsFor further details, please review the Terms & Conditions you signed when you applied for SmartPay (attached) You can save on total fees when you process a lease Buy OutSince your scheduled payment includes rental fees and taxes in addition to a portion of the retail price of the items, a Buy Out allows you to save on these fees for future months You may process a Buy Out at any point during the lease term, unless there is already a payment in progress(A Buy Out should be requested at least hours before your next due date to ensure that it is processed correctly.) Please note: A Buy Out is processed as a single transaction, and requested at the time that you are ready to make the payment A Buy Out is NOT automatic If you don't request a Buy Out, you will remain on your original payment plan Your Buy Out Amount is: $ To process a Buy Out: Go to www.smartpaylease.com/login Enter your email address and password Click the purple "Make Payment" button at the bottom of the page A window will pop upSelect "Pay the full Amount." Check to see that the correct debit card is selected from the drop-down list Click "Make Payment" If you need assistance, please contact our Customer Support Team at XXX-XXX-XXXXWe can help you process a Buy Out over the phone Once finalized, a Buy Out request can't be cancelled You can return the items to *Straight Talk [redacted] within days of receiving themIf it is after days and you'd like to cancel your lease, please follow the steps below Attached to this email is the prepaid FedEx shipping label for you to return the items directly to SmartPayIf you are returning an iPhone, please make certain you have deactivated your service and turned off the Find my iPhone feature After we receive the items in the mail, we will send you an email to confirm that your lease purchase agreement has been cancelled(If it is a partial return, we will adjust your future lease payments to reflect the remaining items leased.) This usually takes 10-days to process once the items are shipped If your phone was damaged, and you haven't purchased insurance from your carrier, you will be responsible for one of the following (the lesser amount): Fair market value of the phone depending on its condition when received by SmartPay Remaining Rent Owed Note: If you return your items to SmartPay, you will not be refunded any lease payments, as they are considered part of your SmartPay lease purchase plan If you have more questions, contact us at [redacted] @smartpaylease.com or call (XXX) XXX-XXXXOur call center is open Monday-Saturday 7am-7pm PST; Sunday 7am-5pm PST Thank you again, and have a great day Best, [redacted] SmartPay Customer Support Team
Initial Business Response / [redacted] (1000, 8, 2015/06/24) */ Customer was responded to via email on 6/24/
Initial Business Response / [redacted] (1000, 8, 2014/05/27) */ Hi ***, Thank you for contacting usWe are unable to find an account associated with your name or email addressPlease provide us with the email address associated with your account with us and we would be happy to look into your request Thank you Initial Consumer Rebuttal / [redacted] (3000, 10, 2014/05/31) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do accept the response because I was way over charged for what I was loaned even factoring in the interest I want money refunded into my account and them to stop taking money out of my account or I will provide a lawyer to solve the issue stated Final Business Response / [redacted] (4000, 12, 2014/06/04) */ ***, As mentioned in our previous response to your complaint: We are unable to find an account associated with your name or email addressPlease provide us with the email address associated with your account with us and we would be happy to look into your request Thank you
Initial Business Response / [redacted] (1000, 5, 2015/07/20) */ Customer was responded to directly via email on 07/20/ Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) Company offered no resolution Final Business Response / [redacted] (4000, 9, 2015/07/23) */ Dear Ms [redacted] , Thank you for contacting SmartPayWe strive to provide excellent support to our customers at all times, and I will be taking over your caseI have reviewed your file and I see that you sent your return on Monday, June 22, and we received it on June 26, Our processing time for a return is about 10-days, as noted in the email you received accompanying your FedEx label on June 19, I understand, you would like a refund for your scheduled monthly payment on June 25, Normally, we do not refund return payments until after the processing time, but I am willing to make an exception in this casePlease allow up to business days for the credit of $to be reflected on your debit card ending in Thank you again Best, [redacted] Director of Customer Support Final Consumer Response / [redacted] (2000, 11, 2015/07/28) */ (The consumer indicated he/she ACCEPTED the response from the business.) Company issued refund
This is absolutely the worst run business and how they score an A+ is beyond me I can be approved and unapproved all in one?!? Hmmm something isn't right and someone needs to get to the bottom of this!! All I wanted was to be able to have a working phone and know that its new but also not have to wait years to have the moneyThought this was going to be a great idea but customer service is horrendous and worse then straight talk itself!
SmartPay is a scam....periodI cancelled my order before the phone was to be shipped but SmartPay debited my credit card anyway and won't refund the moneyWorse yet they refuse to cancel future payments from my CC even though I cancelled my order and never received a phoneRead all of the complaints about this company before you place an orderThey are numerous and consistent
I would never recommend anyone to use this program I feel like I've been ripped off by a shady credit card company! I bought a device for $599.00, with the understanding that if I paid it off within the early buy-out (day) period, I would not be charged interest, or at worst a very low rate using smartpay By the time smartpay was done with me, I was paying $for my device, even if I paid in full the first month! If I were to remain on the "easy payment plan" my $purchase would have turned into $1,413.72; almost an extra thousand dollars! And as if this wasn't enough, they made the "early pay-off" option extremely difficult to accomplish There is no way to make additional payments on-line, AND you can only make payments in the EXACT AMOUNT shown on your lease, after waiting for a "customer service representative" EVERY TIMEThis is a backwards system that I wish I never heard about It takes advantage of people who are trying to purchase things they need on a fixed monthly income
Initial Business Response / [redacted] (1000, 5, 2015/11/05) */ Hi [redacted] , We are sorry to hear you're frustratedWe want to apologize for any confusion regarding your 12-payment SmartPay lease to own programFor your reference, we have attached a copy of the Lease Terms and Conditions you agreed to when you applied for SmartPayIt includes the following due dates: 06/05/2015, 07/03/2015, 07/31/2015, 08/28/2015, 09/25/2015, 10/23/2015, 11/20/2015, 12/18/2015, 01/15/2016, 02/12/2016, 03/11/ Please note, these Terms have always been available for your review on your customer dashboard, located smartpaylease.com/login Here is your payment history: 07/31/Manual $ 07/31/Automatic $ 07/03/Automatic $ 06/05/Automatic $ 05/08/Automatic $ The payment on 07/31/was for your BuyOut Option, and was requested by you If you would no longer like to receive information about our services and upcoming promotions, you may unsubscribe from our email messagesTo do so, please follow the steps below: Open an email from SmartPay At the bottom of the email, click the "Opt Out" link When the new page loads, click "Yes" to unsubscribe from SmartPay emails To unsubscribe from text messages: Open a text message from SmartPay Reply "STOP" to the text message We've also updated our files, so you should no longer be receiving emails or text messages from us If you have more questions, contact us at [redacted] @smartpaylease.com, or call (XXX) XXX-XXXXOur call center is open Monday-Saturday 7am-7pm PST; Sunday 7am-5pm PST Thank you for your patience, and we apologize for the inconvenience Best, SmartPay Customer Support Team
Initial Business Response / [redacted] (1000, 5, 2015/01/23) */ Hi [redacted] , Thanks for contacting usAttached are the Terms and Conditions agreed upon at the beginning of the lease If you have more questions, contact us at [redacted] @smartpaylease.com, or call (XXX) XXX-XXXXOur call center is open Monday-Saturday 7am-7pm PST; Sunday 7am-5pm PST Thank you for your patience, and have a great day Best, SmartPay Customer Support Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/01/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) The terms and conditions were never presented tto me at the time of purchaseI did not signed any lease agreement Final Business Response / [redacted] (4000, 9, 2015/01/29) */ The customer was responded to via email on 1/29/
Initial Business Response / [redacted] (1000, 6, 2015/10/30) */ Dear Ms [redacted] Thank you for contacting SmartPay, and I apologize for any confusionOn August 18, 2015, you entered into a lease agreement with SmartPay for the following items: $upgrade fee pouche case wirless speaker TEMPERED GLASS SCREEN PROTECTOR 8gb momery card On September 16, 2015, while on a call with our contact center, your requested to exercise your Early Purchase Option so as to take advantage of the Buy Out promotion that allowed you to purchase the items you leased through SmartPay earlyThis payment of $was processed per you request and it resulted in your purchase of the leased items and the canceling of your leaseWe have attached a copy of your lease terms and conditions for your information, but you no longer have any further obligations to SmartPay associated with the lease number [redacted] as once that $payment was made, you owned the items in question I hope this information is helpful Best, Initial Consumer Rebuttal / [redacted] (3000, 8, 2015/11/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) I don't accept their response and the issue is not resolvedI received a threat from them that if I didn't fill out their on line app they would begin taking from my accountI couldn't afford them to do thatBut they took buyout amount anywayI didn't have a lease with themI just want my $backThat will resolve everything Final Business Response / [redacted] (4000, 11, 2015/11/05) */ Hi [redacted] , We reviewed the call in question, and have confirmed that you did request to process an Early Payoff (for the amount of $) over the phone As mentioned before you no longer have any further obligations to SmartPay associated with the lease number [redacted] as once that $payment was made, you owned the items in question Best, SmartPay Customer Support Team Final Consumer Response / [redacted] (4200, 17, 2015/11/24) */ This complaint has not been resolvedFraud charges will be filed against themSmartPay needs to be stopped
Initial Business Response / [redacted] (1000, 8, 2015/04/28) */ The following email was sent to the customer in response to their complaint on 4/27/15: Hi, My name is [redacted] and I am in charge of following up with complaints filed with the Revdex.comI've had a chance to review your history with us and I wanted to clarify a few items The first item I wanted to address was your complaint regarding the state of the items you leasedSmartPay's lease program acts only as a payment method that helps customer's acquire the items they want and own them after they complete all of their lease paymentsWe work with stores all over the country and because our application completed online (in-store), we rely on the store employees to make sure that the items being leased are what the customers are expecting to be leasingAlthough the description of the items you leased does not mention the locked/unlocked status of your phone that you mentioned, if you feel that the store misrepresented the items that were leased to you, we suggest that you discuss it with the store manager/employee that you worked with as it is something that is not in our controlIf you decide that you no longer wish to continue to make payments and maintain possession of the items leased to you, you have the option to return the leased items (at no cost to you) and all further lease payments will be cancelled With regards to the payment you disputed, the bank's decision applies only to whether or not the charge on your debit card was legitimate or not, not to your legal requirement to make lease payments that you agreed to payAlthough the bank decided that the charge (which you requested) was illegitimate, this does not remove your responsibility for the payments With regards to the collections calls you are receiving, the payment you disputed has essentially negated the previous payment you made and has brought your account to an overdue statusBecause of this, our collections agents will continue to contact you in order to work out a way to make the payments due for your lease Please do not hesitate to contact us with any other questions or concerns Thank you,
Initial Business Response / [redacted] (1000, 5, 2015/06/22) */ The customer was responded to via email (with Terms & Conditions document included) on 6/22/ Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/06/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) Doesn't answer my complaint Final Business Response / [redacted] (4000, 9, 2015/06/29) */ The customer is claiming that they did not agree to the terms of the leaseWe responded with a copy of the lease Terms & Conditions document (which contain the terms of the lease stated) that was agreed to when the lease was agreed to They are now stating that we did not address their complaintIt is unclear how else we can assist the customer
Initial Business Response / [redacted] (1000, 5, 2014/05/13) */ The customer was responded to via email on 5/13/ Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/05/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do apologize but I don't understand the response or solution offeredI need to speak to some one in reference to this response Final Business Response / [redacted] (4000, 9, 2014/05/29) */ Customer's issue has been resolved over email
Initial Business Response / [redacted] (1000, 5, 2014/12/17) */ customer received a response via e-mail Initial Consumer Rebuttal / [redacted] (3000, 12, 2015/01/12) */ Case still unresolvedWill follwith AG office as business refused to return money and still trying to collect additional payments Business acknowledge their error in email answer to me however still not rectifying their error Final Business Response / [redacted] (4000, 14, 2015/01/15) */ customer received a response via e-mail Final Consumer Response / [redacted] (4200, 16, 2015/01/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) These are the emails I received from SmartpayOn the one dated 12/8/15, they acknowledge the confusion regarding the Early pay off and my lease but still insist on keeping the payments I made after July This is going to be escalated to the AG officeSmartpay and its affiliates have failed to appropriately advertise the use of their services as per NYC Personal Property Article XX - (XXX - XXX)dictating rental purcharse agreement (rent to own)I was not made aware of crucial elements pertaining to this program as it was moonlighted as a payment plan and not lease to own programFurther more, company failed to provide reasonable resolution to the issues raised even though they acknowledge their errors and lack of transparency/training when offering the programThey also failed to provide documentation regarding the supposed lease at the time of signature and only made it available when I complained about not having access to it Now they want to collect payment that I retracted from NovemberI believe that Smartpay is misunderstanding the fact that they are the ones who still owe me approximately $I would greatly appreciate this refund be processed in the next business days Thank you SmartPay Lease Support To me Jan at 11:AM [redacted] K(Help Center) Jan XX XX:XX Hi ***, Thanks for contacting usOn 1/3, you disputed a charge with us for $As this was the legitimate 8th Installment of the agreement, we will be sending you to our collections program to work out a repayment schedule for this paymentPer our previous e-mail, the 9th and final installment has been waived If you have more questions, contact us at [redacted] @smartpaylease.com, or call (XXX) XXX-XXXXOur call center is open Monday-Saturday 7am-7pm PST; Sunday 7am-5pm PST Thank you for your patience, and have a great day Best, Customer Support Team SmartPay Lease Support To me Dec 17, [redacted] K(Help Center) Dec XX XX:XX Hi ***, Thanks for contacting usPer the terms of your lease agreement, you agreed to make payments of $However, due to the confusion regarding the Early Payoff Option and your lease, we waived your remaining payment in our reply on December 8th, and consider your lease completeAfter looking further into this issue, we are unable to fulfill your request at this time If you have more questions, contact us at [redacted] @smartpaylease.com, or call (XXX) XXX-XXXXOur call center is open Monday-Saturday 7am-7pm PST; Sunday 7am-5pm PST Thank you for your patience, and have a great day Best, Customer Support Team [redacted] (Help Center) Dec XX XX:XX Dear ***, Thank you for contacting SmartPay supportI want to apologize for any confusion regarding your month SmartPay lease to own programFor your reference, I have attached a copy of your Lease Terms and ConditionsPlease note, these Terms are always available for your review on your customer dashboard, located smartpaylease.com/login As per your lease agreement, you agreed to make payments of $120.85, and at the end of the term, you would own the items listed below: Sam galaxy sX XXXXXXXXXXXXXXX case esn As of today, you have made of your paymentsBelow, please find a list of your remaining payments and their due dates 12/19/$scheduled Due to the confusion regarding the Early Payoff Option and your lease, we are willing to waive your remaining payment and consider your lease completeYou now own the items listed above Please allow 5-business days for our team to update your online account information If you have more questions, contact us at [redacted] @smartpaylease.com or call (XXX) XXX-XXXXOur call center is open Monday-Saturday 7am-7pm PST; Sunday 7am-5pm PST Thank you for using SmartPay Best, [redacted] Customer Support Team
Initial Business Response / [redacted] (1000, 5, 2014/12/01) */ HI [redacted] , Per your request, we have removed your e-mail address from our mailing listPlease do not hesitate to contact us with any questions Sincerely, BetterFinance Customer Support
Initial Business Response / [redacted] (1000, 5, 2014/04/29) */ The customer was responded to via email on 4/29/ Initial Consumer Rebuttal / [redacted] (2000, 7, 2014/05/01) */ (The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response / [redacted] (1000, 5, 2015/07/14) */ Customer was responded to directly via email on 7/14/ Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) There's no resolution in this matter because they said I'm still responsible for the 20% They claimed that what's I agree to which I had no clue that was the caseIt's been days and I'm still waiting for the ups label to return the item before the 21st of July I think they are delaying the label to find me liable to pay them rental feesThey said the ups label will be sent via email but I haven't received anything as of this minute Final Business Response / [redacted] (4000, 16, 2015/07/31) */ Dear Ms***, Thank you for contacting SmartPay supportI want to apologize for any confusion regarding your month SmartPay lease to own programFor your reference, I have attached a copy of your Lease Terms and ConditionsPlease note, these Terms are always available for your review on your customer dashboard, located smartpaylease.com/login As per your lease agreement, entered into on April 22, 2015, SmartPay purchased the items listed below for a retail value of $and you agreed to make payment of $and payments of $43.46, and at the end of the term, you would own the items It appears you decided to exercising your Early Payoff Option on July 21, This option allowed you to save $over the course of your leaseIt also completed the purchase of the items from SmartPay Just for your reference your SmartPay lease agreement allows you to purchase items by leasing over a set period of time, but it also allows you to terminate your lease at any timeYou may do so by choosing one of the following options: Processing an Early Payoff An Early Payoff allows you to purchase the items prior to the end of your lease term by processing a lump sum payment for the remaining retail value of the items leasedThis option is available at anytime during the lease term Returning the Leased Items You may terminate your lease by returning the leased items at anytime during the lease periodOnce the items are received in good, working order, your SmartPay lease will be terminated, and you will not be charged for any future lease payments Items Samsung Galaxy S galaxy sdimend case upgrade fee Thank you again, and I hope this information is helpful Best, Lisa Final Consumer Response / [redacted] (4200, 20, 2015/08/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) Smartpay continue to stress about terms and contract but I was never aware of the terms and agreement from the retailerHe simply said I have days to pay off the item in full that's the purchase price he was referring to and I specifically asked him if I had to pay any interest he said NO That was not the case he lied That's very misleading to customers The pamphlet at store also says no interest same as cashMeaning the purchase price of the item and nothing extra so that's misleading Customers are not aware of what they are getting themselves into when purchasing items on creditSome retailer's are very misleading just to make a quick buckTerms should be explained to customers and not be hidden or changed to trick customersThis is very unfortunate and I've learn my lesson I will not be doing business with smartpay ever again and I'll be informing others not to as well