Initial Business Response /* (1000, 5, 2014/04/29) */
On 4/29/14, the customer was sent the following email:
Hi [redacted],
My name is [redacted] and I'm in charge of handling complaints filed with the Revdex.com. We've received your complaint and unfortunately for a lease to be paid...
off without any fees ("same-as-cash"), it needs to be done so within 90 days. We apologize for any inconvenience.
Please feel free to respond with any questions or concerns.
Thank you,
[redacted]
Initial Consumer Rebuttal /* (3000, 7, 2014/05/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I was with in 2 days if this is how you treat customers than I will no better than using you in the fucher I will also let all my familt and frinds know jiw you conduct business and make for sure my complant is know with metro pcs
Final Business Response /* (4000, 9, 2014/05/13) */
On 5/13/14, the customer was sent the following email:
Hi [redacted],
In response to your message on the Revdex.com website:
Unfortunately, as stated in the previous email, we are unable to process 90 days same-as-cash for your lease as your request was made past the 90 day mark. At this point, you have two options:
1) Continue making your regular monthly lease payments. To date, you have completed 5 of the 10 payments. To complete your lease obligation you would need to make 5 more monthly payments of $130.54.
2) Early Purchase Option - you still have the option to end your lease early by making a payment of $271.64
3) Return the Phone - you can also return the phone to us using a label we will send you. Once we receive your phone, your lease obligation will be considered complete.
Please do not hesitate to contact us with any other questions or concerns.
Thank you,
Initial Business Response /* (1000, 5, 2014/04/29) */
On 4/29/14, the customer was sent the following email:
Hi [redacted],
My name is [redacted] and I'm in charge of handling complaints filed with the Revdex.com. I've had a chance to review your complaint and your history with us....
We apologize if you did not receive any of emails or text messages that often go out to customers who are late on their payments. However, no late fees were added to your account. Your lease obligation is for 10 monthly payments of $131.76 with the option to pay off early at any time. To date, you have completed 4 payments and are 4 payments overdue. The total of those 4 payments is $527.04 - once the amount has been paid, your account will be removed from collections.
To make these payments, please update your payment method by either contacting our customer support center at XXX-XXX-XXXX or go to your online SmartPay account at home.billfloat.com.
Please feel free to respond with any questions or concerns.
Thank you,
[redacted]
Initial Business Response /* (1000, 5, 2015/11/05) */
Hi [redacted],
We are sorry to hear you're frustrated. We want to apologize for any confusion regarding your 12-payment SmartPay lease to own program. For your reference, we have attached a copy of the Lease Terms and Conditions you...
agreed to when you applied for SmartPay. It 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, 03/11/2016
Please note, these Terms have always been available for your review on your customer dashboard, located smartpaylease.com/login.
Here is your payment history:
07/31/2015 Manual $382.08
07/31/2015 Automatic $152.64
07/03/2015 Automatic $152.64
06/05/2015 Automatic $152.6
05/08/2015 Automatic $120.00
The payment on 07/31/2015 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 messages. To 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-XXXX. Our 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 /* (1000, 5, 2014/09/03) */
customer received response via e-mail
Initial Consumer Rebuttal /* (3000, 7, 2014/09/03) */
Hello [redacted]. I was contacted from Smart pay that they refunded back the first charge. However, I have no answer to my proposed...
resolution.
Final Business Response /* (4000, 9, 2014/09/04) */
customer received response via e-mail.
Initial Business Response /* (1000, 5, 2014/02/18) */
On 2/18/14, the following email was sent to the customer:
Hi [redacted],
Thank you for contacting SmartPay Customer Support. We have reviewed your email and have also seen that you have filed a complaint with the Better Business...
Bureau - please let this email serve as a response to both.
Per the Terms & Conditions of your SmartPay lease, that were agreed to when you signed up for SmartPay, your lease is divided into 10 payments of $39.41, with a portion of each payment going to the price of the phone and another portion to cover rental fees (the Terms & Conditions are available in your online SmartPay account at home.billfloat.com and are also attached to this email). You also have the option of paying off your lease at any time at a discount, with the ability to waive any rental fees if the pay off is completed within 90 days of the initiation of the lease ("90 days same-as-cash"). In your case, the last day to have taken advantage of the same-as-cash option was 01/16/14.
Our records also show that you had called our customer support center several times before your same-as-cash expiration date (October 14th and December 24th), where the agents that helped you explained how the same-as-cash option works and what your date would be.
Please review the attached document and feel free to contact us with any other questions or concerns. Your complaint also mentioned that you had trouble contact us. For SmartPay Customer Support, please either email us at [redacted]@billfloat.com or call us at (XXX) XXX-XXXX.
Thank you,
Initial Business Response /* (1000, 5, 2015/10/02) */
Dear [redacted],
Thank you for contacting SmartPay support. I want to apologize for any confusion regarding your 9 month SmartPay lease to own program. For your reference, I have attached a copy of your Lease Terms and Conditions. Please...
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 1 payment of $97.38 and 8 payments of $78.84, and at the end of the term, you would own the items listed below:
Samsung Galaxy S5 4G LTE
$39.95 Page Plus Unlimited 1GB*
As of today, you have made 7 of your 9 payments. Below, please find a list of your remaining payments and their due dates.
This is a fixed 9 Payment Lease-to-own Plan.
10/26/2015 $78.84 scheduled
11/23/2015 $78.84 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 time. You may do so by choosing one of the following options:
1. 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 leased. This option is available at anytime during the lease term. As of today, your Early Payoff amount is $129.84. Due to the confusion regarding the Early Payoff Option and your lease, I can offer you a temporary discount. If you process a payment for $78.84 before 10/16/15, we will consider your lease complete and you will own the items listed above.
If you wish to take advantage of this offer, please reply to this email with the date you would like the payment processed.
2. Returning the Leased Items
You may terminate your lease by returning the leased items at anytime during the lease period. Once 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. For 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,
SmartPay Customer Support
Initial Business Response /* (1000, 5, 2015/04/17) */
The following email was sent to the customer on 4/17/15:
Hi [redacted],
My name is [redacted] and I handle complaints filed with the Revdex.com. I've had a chance to review your history with us and wanted to reach out to clarify a...
few items.
Firstly, I was unable to find a record of your April 12th call. Can you provide more information about it (what phone number you called from, what time, who you might have spoke to) so I can further review it?
I'd also like to clarify the policy around the returning of leased items. Items leased via SmartPay at a MetroPCS store can be returned within 7 days of the beginning of the lease for a full refund (provided some requisites around the item's condition, which it sounds like the items you leased meet). After 7 days, to return leased items they must be sent to SmartPay (via a pre-paid Fedex label, which was sent to you and you used) however because this is a lease, the payment cannot be refunded as it is payment for use of the leased items. Once we receive the items, your lease will be marked as complete and no further payment will be due.
It sounds like there may have been some miscommunication between you and the agent that gave you the initial instructions. If you could provide us with more information about your interaction with them, we will follow up with them accordingly.
Thank you,
Initial Consumer Rebuttal /* (3000, 7, 2015/04/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not have a name of the person I talked to at SmartPay on April 12th, 2015. If the person has a protocol, they should have logged in my information when that identified me as the account holder. Since your representatives do not start their conversations with their ID number, and some have such hard accents that it is hard to tell what they are saying..well, again, I don't have that information. Based on the information I did have, I left work early on April 13, 2015 to get to the Corporate Store in Duncanville to return the merchandise as I was instructed, only to find everyone so amazed that I didn't know the Corporate Store could not take the item back. What I wanted as a Fed-Ex shipping label. Well, again, I didn't get one. So on it goes. Listen, I was a good customer and never missed a payment. To go through all this (stuff) is so ridiculous. Many people laugh when I say I have Metro PCS, but I bragged about your services. Now, well....that's not going to happen again. Fix this now.
Final Consumer Response /* (3000, 13, 2015/04/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
If your organization, SmartPay, does an audit of the practices at the MetroPCS corporate office, you will find that your statement about 7 days return is not communicated. Nor was it communicated on my 12 month lease agreement. Application [redacted] dated February 6, 2015. It appears that we are going round and round about processes that you have not we defined very well and you expect a consumer to go along with it, perhaps as a result of your lack of experience in dealing with professionals and businesses. I will not agree to paying any amount on this returned Tablet because of your inefficiencies.
Final Business Response /* (4000, 15, 2015/04/29) */
Customer sent the following response via email on 4/27/15:
Hi [redacted],
In response to your latest Revdex.com response, the '7 day return window' is something that MetroPCS offers its customers and is not part of the lease (called the "Metro Promise"). From our perspective, if the store will take back and item and offer the customer a refund, then they are able to also cancel the lease. Again, this is not something under our control so it is not something that we advertise because it is up to the store.
Thank you,
Initial Business Response /* (1000, 8, 2014/04/30) */
Hi [redacted],
Thank you for contacting SmartPay. We apologize if you were misled by the clerk with regards to how the payments would be deducted from your account. We will be following up with the store to make sure they understand that...
SmartPay payments are separate from MetroPCS phone bills, as they are two different companies.
Separately, please contact customer support at [redacted]@billfloat.com or XXX-XXX-XXXX to set up alternative payment methods.
Thank you,
Initial Consumer Rebuttal /* (3000, 10, 2014/05/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
they can contact me I have given up on talking to those people due to there constant rudeness, now if they give me there address ill be glad to pay thank you otherwise I have nothing for you I NEVER AND I MEAN NEVER LET ANYONE JUST TAKE MONEY OUT OF MY ACCOUNT, THEY HAVE MY NUMBER
Final Business Response /* (4000, 12, 2014/05/12) */
Customer has been responded to via email on 5/12/14.
HelloI applied for your account and I got approved for $1,000 and I went to go put my bank cardOf $80 down for the payment and you're telling me that it was rejected.. and they told me to call my bank and I did just that and it was nothing wrong with my bank card.. it was something wrong the Merchant. So I went back today and for the same run around... this is not the way to treat loyal customers...
Initial Business Response /* (1000, 5, 2014/05/13) */
The customer was responded to via email on 5/13/14
Initial Consumer Rebuttal /* (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 offered. I need to speak to some one in reference to this response.
Final Business Response /* (4000, 9, 2014/05/29) */
Customer's issue has been resolved over email
Initial Business Response /* (1000, 5, 2015/06/22) */
The customer was responded to via email (with Terms & Conditions document included) on 6/22/15
Initial Consumer Rebuttal /* (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 /* (4000, 9, 2015/06/29) */
The customer is claiming that they did not agree to the terms of the lease. We 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 complaint. It is unclear how else we can assist the customer.
Initial Business Response /* (1000, 6, 2014/04/02) */
It is unclear what we can do to help this customer with their complaint. The Terms & Conditions of each lease are unique and contain personal information, and therefore cannot be made available at every store in which our program is...
available. The Terms & Conditions are available at the time the lease was agreed to and at any time at the customer's account at home.billfloat.com. Additionally, we are happy to provide the document to any customer that requests it.
Initial Consumer Rebuttal /* (3000, 8, 2014/04/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Their statement is simply not true. Myself and many others have observed that their terms and conditions are not available in stores where agreements are signed, not sent in the mail, and not available until customers realize that they have been been overcharged and a victim of predatory lending.
Final Business Response /* (4000, 10, 2014/04/29) */
To reiterate, the Terms & Conditions of every lease are available in-store at the time the lease is agreed to (it is a part of the application flow) and at any time after that, by accessing their account at home.billfloat.com.
Initial Business Response /* (1000, 5, 2014/02/18) */
On 2/18/14, the following email was sent to the customer:
Hi [redacted],
My name is [redacted] and I'm in charge of handling complaints filed with the Revdex.com. I've had a chance to review your complaint and your history with us...
and wanted to follow up with you.
Per the Terms & Conditions that were agreed to when you signed up for SmartPay, your lease is divided into 10 payments of $115.53, with a portion of each payment going to the price of the phone and another portion covering the rental fees (these terms are available in your online SmartPay account at home.billfloat.com and have been attached to this email). You also have the option to pay off the lease at any time at a discount, and the ability to avoid rental fees completely if the pay off is completed with 90 days of the initiation of the lease date ("90 days same-as-cash").
At this point, you have completed 7 of the 10 payments of $115.53 and have the option to pay off early for $179.52.
Please review the attached document and feel free to respond with any questions or concerns.
Thank you,
[redacted]
Initial Consumer Rebuttal /* (3000, 7, 2014/02/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I wasn't informed this was a lease at all when I purchased the phone, in fact I was informed it was like a credit line. Being charged $115 per month is ridiculous! My phone is only worth 550$ and $115 over the course of 10 months is nearly triple the amount of the phone. This is one of the biggest scams I've ever heard of. Not only are the people representing your company misinformed but the customer service is atrocious. $115 per months for 7 months I have paid about $800 & supposedly 4 of the last $115 payments were suppose to have gone towards my phone. If the first 3 payments were also $115 and I paid $345 of the $550 yet I still owe $180?! So basically when you add it up you are telling me out of $475 I paid the next 4 months only $15 were used towards my phone while the rest was used as supposed "rental fees"?!
I don't understand how this is even a legitimate business, after doing more research all I've heard were complaints about you guys.
My compromise is simple and I will repeat it again. I would like a refund of a certain amount of money, and since it seems your company is so very set in their ways I am willing to propose another solutuon. My middle ground would be to not he charged anymore for my phone. I am standing very firm on this and I will not be paying anymore cash out of pocket for a supposed "legitimate" business. Like I mentioned previously it is absolute ridiculousness that I've paid $115 for 10 months yet somehow I still owe $180?! When you do the math how does that make sense in anyone's mind?! Note how [redacted] DOES NOT care to mention how much of my $115 payment, after the 3 months, actually went towards my phone. Because if you were to divide how much actually went towards my phone by the 4 months after the initial 3 it is less than $5 a month!!
Bottom line is I am not paying a penny more to this misleading & illegitimate business. I my resolution is clear either I get a refund of a certain amount of money (at least $50) or you just let me keep my phone. I'm offering a latter choice since I am trying to be as negotiable as possible, most people would want a refund of the overcharges.
Thank you,
[redacted]
Final Business Response /* (4000, 11, 2014/03/13) */
As was stated in the previous communication in this case, a portion of each of your lease payments goes to the price of the phone, and another portion goes to rental fees. It is unclear where you understood that the portions that go towards the price of the phone are $15 or $5. Unfortunately, we are unable to compromise with regards to the terms of your lease.
Your account shows that you have made 8 of the 10 payments of your lease. At this point, to fulfill your lease obligations you can take any of the following options:
1) Return the phone to us using a pre-paid Fedex shipping label that we will send to you
2) Continue to make the last two payments on your account, for $115.53 each
3) Pay your lease off early for $119.68.
Please do not hesitate to contact our customer support center at [redacted]@billfloat.com or XXX-XXX-XXXX for more information.
Final Consumer Response /* (4200, 15, 2014/03/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
As I stated earlier you are cheating people out of hundreds of dollars and as I explained earlier this was explained to me as a CREDIT LINE NOT A LEASE. Also taking out 30$ here and there out of my account is completely unprofessional. You are charging me over $1000 for a PHONE and yet you still want more. What part of me stating you are only taking out 5-15$ per payment do you not understand? If you do the math of all the payments I've made basically NONE of the money had gone towards the phone itself, but it's gone toward "rental fees" so then refund my money & I'll send my phone or a brand new Samsung S4 but I'm not going to pay anymore money. If you look your business up online you have NUMEROUS complaints. It's a miracle you guys are still in business.
None the less, you aren't getting any more money and if you can't even negotiate then what's the point of even working with customers and the Revdex.com? This is the worst customer service from any company I've ever dealt with.
Initial Business Response /* (1000, 5, 2015/07/22) */
Contact Name and Title: [redacted] R. Director of C
Contact Email: [redacted]@smartpaylease.com
Dear Mr. [redacted] ,
First of all, I would like to apologize for any confusion. It does appear one of your emails was missed, and we sincerely...
apologize as that should not have happened. We strive to provide great service to all of our customers, but on occasion we fail. When we fail, we like to take responsibility and work extra hard to make things right. We strive to ensure that our customers are provided with multiple advance disclosures of the key terms of their SmartPay lease as well as multiple emails and SMS messages to the contact methods we have on file.
SmartPay is a lease-to-own program that assists customers in renting mobile phones and other equipment, typically on a month-to-month basis. As per your lease agreement, you agreed to make an initial payment of $90.00 and 23 payments of $55.12, and at the end of the term, you would own the items listed below:
**Items**
*Blu Studio 6.0
Blu Life Play X*
For your reference, I have attached a copy of your Lease Terms and Conditions. Please note, these Terms are always available for your review on your customer dashboard, located smartpaylease.com/login. As of today, you have made 9 of your 24 lease payments. A lease to
### 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 time. You may do so by choosing one of the following options: ###
**1. 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 leased. This option is available at anytime during the lease term. As of today, your Early Payoff amount is $450. This amount is valid until your next due date on August 3, 2015. Due to the confusion regarding the Early Payoff Option and your lease, I can offer you a temporary discount. **If you process a payment for $165.36 before July 30, 2015, we will consider your lease complete and you will own the items listed above.**
**If you wish to take advantage of this offer, please reply to this email with the date you would like the payment processed.**
**2. Returning the Leased Items**
You may terminate your lease by returning the leased items at anytime during the lease period. Once 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. For 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 /* (1000, 5, 2016/01/11) */
Hi [redacted],
Our system shows that your previous SmartPay offers [redacted] & [redacted] expired. Customers have 7 days from the date that they are approved for a SmartPay lease to use the offer amount.
However, you do have an active...
SmartPay Lease [redacted] You can view your SmartPay account information, including your payment dates and Terms & Conditions (attached to this email), by logging into your dashboard at SmartPayLease.com/login. For further questions, contact us at XXX-XXX-XXXX or visit SmartPayLease.com/help.
Please rest assured that we store your information securely. You can view our Privacy Policy at https://smartpaylease.com/privacy.
Best,
SmartPay Customer Support Team
Initial Business Response /* (1000, 5, 2015/05/06) */
Customer's issue is due to a communication issue between the customer, store, and SmartPay customer support. The issue is being resolved over customer support.
Initial Consumer Rebuttal /* (3000, 7, 2015/05/11) */
(The...
consumer indicated he/she DID NOT accept the response from the business.)
This issue is ongoing since Nov 2014, as to date no one is willing to resolve this issue from Smartpay. Been sending emails to their Customer Support. Only recd and email on 5/1/15 requesting to provide proof of return. I have sent the proof in the package in which they recd and process.
Final Business Response /* (4000, 9, 2015/05/19) */
Customer was advised on 5/1/15 to send in a return receipt or proof of return to resolve the issue. Once this is received, the issue can be handled accordingly.
Initial Business Response /* (1000, 5, 2015/12/16) */
Hi [redacted],
We're sorry to hear that your device was not working. Our records show that on June 3, you called SmartPay Support. A Customer Support Agent advised you to contact Net10 Wireless regarding any warranty-related concerns....
SmartPay is a separate company from Net10 Wireless, a partner company. SmartPay does not offer exchanges or replacements for your device.
If you had an extended service warranty to cover non-factory defect issues, we suggest contacting Net10 Wireless again to follow up on your issue.
You can view your SmartPay account information, including your payment dates and Terms & Conditions, by logging into your dashboard at SmartPayLease.com/login. For further questions, contact us at XXX-XXX-XXXX or visit SmartPayLease.com/help.
Best,
SmartPay Customer Support Team
Definitely a company trying to get credit card information. Was 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 approval. The 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 time. When 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 /* (1000, 5, 2015/11/05) */
Dear [redacted],
We take helping our customers very seriously, and when a customer reports an error like this, we want to make certain we investigate it properly and correct it as soon as possible. In order to do this, we will need a copy of...
the following documents:
1. Police report
2. In cases where the personal info was stolen (name, DOB, SSN, etc.), we need evidence (documentation) that an alert was put on your SSN to avoid future thefts of this type
3. If your debit card information was stolen, we need a document from the bank stating that the card was compromised because of fraud and cancelled.
Please fax a copy of the document to XXX-XXX-XXXX, ATTN: Customer Support. Please make sure to include your name, email address, and phone number associated with your SmartPay account (if applicable), or we will be unable to process the submission. You may also email a copy of your statement (in PDF format) to [redacted]@smartpaylease.com.
Thank you very much for your patience.
Best,
SmartPay Customer Support Team
Initial Consumer Rebuttal /* (3000, 7, 2015/11/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Good morning
Non of my credit cards were charged for the amount disputed, Now the company asked for my SS#. I can not provide that because the company may have that already. I'm willing to present a class action civil lawsuit against Smart Pay. I will not give in to corporate bulling nor the their scam
Final Business Response /* (4000, 9, 2015/11/11) */
Hi [redacted],
Thank you for your follow-up message. We are sorry to hear you're frustrated, and understand your concern. So that we can resolve this in a timely manner, however, we do need the documents we requested to assist us in our investigation.
We apologize for the inconvenience, and thank you for your patience and cooperation.
Best,
SmartPay Customer Support Team
Final Consumer Response /* (4200, 11, 2015/11/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Smart Pay has not sent me the documents of the allege charge not it refused to provide the Company owner and the employee that made those false charges against me. I'm asking the government shut down this Smart Pay illicit operation. I maintain my ground of Smart Pay slander my reputation. Fraudulently sent me a bill that I will not pay. I demand $5,000,000 in restitution ad the criminal processing for all employees and the owner from such fraudulent company.
Initial Business Response /* (1000, 5, 2015/09/22) */
Contact Name and Title: [redacted] Director of Customer
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@smartpaylease.com
Dear Ms. [redacted],
Thank you for contacting SmartPay support. I want to apologize for any confusion regarding your...
12 month SmartPay lease to own program. For your reference, I have attached a copy of your Lease Terms and Conditions. Please 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 1 payments of $92.22 and 11 payments of $102.82, and at the end of the term, you would own the items listed below:
[redacted]
ASUS [redacted]
ASUS [redacted]
ASUS [redacted]
As of today, you have made 7 of your 12 payments. Below, please find a list of your remaining payments and their due dates.
This is a fixed 12 Payment Lease-to-own Plan.
07/20/2015 $102.82 overdue
08/17/2015 $102.82 overdue
09/14/2015 $102.82 overdue
10/12/2015 $102.82 scheduled
11/09/2015 $102.82 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 time. You may do so by choosing one of the following options:
1. 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 leased. This option is available at anytime during the lease term. As of today, your Early Payoff amount is $400.76, including the 3 overdue installments. Due to the confusion regarding the Early Payoff Option and your lease, I can offer you a temporary discount. If you process a payment for $308.46 before 10/5/2015, we will consider your lease complete and you will own the items listed above.
If you wish to take advantage of this offer, please reply to this email with the date you would like the payment processed.
2. Returning the Leased Items
You may terminate your lease by returning the leased items at anytime during the lease period. Once 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 and we will waive your overdue lease payments. For 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] R.
Initial Consumer Rebuttal /* (3000, 7, 2015/09/25) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I don't agree with this company they are not truthful, they are claiming that I owe them from July to Nov 9, wanting to negate the fact that they debited my acct twice a month. I was able to pull from my acct on smart pay the month of June where they took a double payment, I have never missed a payment so there was no need for them to ever take a double payment that they were never authorized to do. I will be receiving bank statements to show their activities in my account between their double dipping which was a constant practice with them it caused continuous fees to accrue totaling 314.00. The bank told me that a company can try to debit your acct up to 4 times a day each time the bank can charge you. I am a Senior Citizen with a fixed income I get the same amount of money each month most times and since I allowed 2 companies to access my account through my bankcard I thought I would be safe, it would be easy to keep up with amount of money going in my account and going out. So I really didn't keep close tabs on the acct, until I got a notice that my car note had not been paid, I looked at my acct there was a deficeit and my overdraft acct protection was depleted I find out later it's because the bank had been covering any and all short falls that's when the investigation started. I am working with the overdraft department at my bank now to restore my acct, they are starting with the investigation is matter that started in June, because I informed them that they too dropped the ball on this and let these people continue, on debiting until August, When I initially came to them for help in June, a C/R looked at my acct got smartpay's number called them had a conversation with regarding their practices and informed them that at my request they would no longer have access to my acct. As I stated in my initial claim the bank did try to block smart pay from accessing the account in June after they got their monthly payment the beginning of the month, but when I received a call from smart pay to say another payment was due 6/25/15 , I called the bank to block them. I don't have a biweekly pymt acct never have I have always paid 102.82 per month. I have never filled out a lease agreement / lease / contract with smart pay, that would inform me that they would require me to pay biweekly or twice month. The only I received contract I have I received from radio shack where I purchase/leased 01/02/2015, my [redacted], and ASUS K553MA-DB1TQ, payment frequency Monthly on pay date, next payment due 0/02/2015, I was told that my payments would be due on the second day of each month, and that's when I expected to pay 102.82 and I did, but not twice a month. I have proof from their record and bank records they have caused me a hardship to me as a result of these activities. So no what they are saying is unacceptable. Thank up any and all assistance that you give.
Final Business Response /* (4000, 9, 2015/09/28) */
Dear Ms. [redacted],
We are sorry for the confusing regarding your SmartPay Lease due dates.
**Below, please find a copy of your SmartPay Payment History:**
08/23/2015
at: 08:20:08 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/22/2015
at: 08:20:21 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/21/2015
at: 08:20:52 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/20/2015
at: 08:21:23 PM Automatic $205.64 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/19/2015
at: 08:22:08 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/18/2015
at: 08:23:28 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/17/2015
at: 08:22:32 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/16/2015
at: 03:05:45 AM Automatic $205.64 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/14/2015
at: 08:23:26 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/13/2015
at: 08:23:03 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/12/2015
at: 08:24:19 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/11/2015
at: 08:24:30 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/10/2015
at: 08:23:40 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/09/2015
at: 08:24:26 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/08/2015
at: 08:24:44 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/07/2015
at: 08:25:11 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/06/2015
at: 08:24:55 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/05/2015
at: 08:26:26 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/04/2015
at: 08:22:10 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/03/2015
at: 08:22:55 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/02/2015
at: 08:23:30 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/01/2015
at: 08:23:52 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/31/2015
at: 08:24:23 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/30/2015
at: 08:25:11 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/29/2015
at: 08:25:34 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/28/2015
at: 08:25:58 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/27/2015
at: 08:24:59 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/26/2015
at: 08:25:59 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/25/2015
at: 08:24:41 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/24/2015
at: 08:26:41 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/23/2015
at: 08:25:13 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/22/2015
at: 08:26:54 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/21/2015
at: 08:26:07 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/20/2015
at: 08:26:48 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/19/2015
at: 03:05:51 AM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
06/21/2015
at: 03:05:59 AM 06/22/2015 Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Success
06/04/2015
at: 08:44:59 PM 06/05/2015 Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Success
06/03/2015
at: 08:47:07 PM 06/04/2015 Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Success
06/02/2015
at: 08:47:05 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
06/01/2015
at: 08:49:13 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
05/31/2015
at: 08:47:30 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
05/30/2015
at: 08:47:54 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
05/29/2015
at: 08:53:03 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
05/28/2015
at: 08:49:36 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
05/27/2015
at: 08:52:09 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
05/26/2015
at: 08:52:52 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
05/25/2015
at: 08:50:58 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
05/24/2015
at: 03:06:07 AM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
05/04/2015
at: 08:52:21 PM 05/05/2015 Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Success
05/03/2015
at: 08:50:51 PM 05/04/2015 Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Success
05/02/2015
at: 08:51:26 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
05/01/2015
at: 08:55:36 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
04/30/2015
at: 08:52:55 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
04/29/2015
at: 08:54:07 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
04/28/2015
at: 08:54:20 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
04/27/2015
at: 08:54:14 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
04/26/2015
at: 03:06:18 AM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
04/02/2015
at: 08:56:24 PM 04/03/2015 Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Success
04/01/2015
at: 08:59:20 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
03/31/2015
at: 08:59:28 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
03/30/2015
at: 08:58:29 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
03/29/2015
at: 03:07:07 AM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
03/01/2015
at: 03:09:21 AM 03/02/2015 Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Success
02/02/2015
at: 08:54:47 PM 02/03/2015 Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Success
02/02/2015
at: 09:51:52 AM 02/02/2015 Automatic -$9.15 VISA DEBIT CARD XXXX - [redacted]
(Primary) Return Credit Success
02/01/2015
at: 03:09:37 AM Automatic $114.48 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
01/12/2015
at: 02:52:48 PM 01/12/2015 Automatic -$0.00 VISA DEBIT CARD XXXX - [redacted]
(Primary) Return Credit Success
01/02/2015
at: 12:19:27 PM 01/02/2015 Automatic $92.22 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Success
To find a copy of your Terms & Conditions as well as your payment history, you may also log in to your SmartPay account at www.smartpaylease.com/login.
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 time. You may do so by choosing one of the following options:
1. Processing an Early Payoff
2. Returning the Leased Items
Best,
SmartPay
Initial Business Response /* (1000, 5, 2014/04/29) */
On 4/29/14, the customer was sent the following email:
Hi [redacted],
My name is [redacted] and I'm in charge of handling complaints filed with the Revdex.com. We've received your complaint and unfortunately for a lease to be paid...
off without any fees ("same-as-cash"), it needs to be done so within 90 days. We apologize for any inconvenience.
Please feel free to respond with any questions or concerns.
Thank you,
[redacted]
Initial Consumer Rebuttal /* (3000, 7, 2014/05/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I was with in 2 days if this is how you treat customers than I will no better than using you in the fucher I will also let all my familt and frinds know jiw you conduct business and make for sure my complant is know with metro pcs
Final Business Response /* (4000, 9, 2014/05/13) */
On 5/13/14, the customer was sent the following email:
Hi [redacted],
In response to your message on the Revdex.com website:
Unfortunately, as stated in the previous email, we are unable to process 90 days same-as-cash for your lease as your request was made past the 90 day mark. At this point, you have two options:
1) Continue making your regular monthly lease payments. To date, you have completed 5 of the 10 payments. To complete your lease obligation you would need to make 5 more monthly payments of $130.54.
2) Early Purchase Option - you still have the option to end your lease early by making a payment of $271.64
3) Return the Phone - you can also return the phone to us using a label we will send you. Once we receive your phone, your lease obligation will be considered complete.
Please do not hesitate to contact us with any other questions or concerns.
Thank you,
Initial Business Response /* (1000, 5, 2014/04/29) */
On 4/29/14, the customer was sent the following email:
Hi [redacted],
My name is [redacted] and I'm in charge of handling complaints filed with the Revdex.com. I've had a chance to review your complaint and your history with us....
We apologize if you did not receive any of emails or text messages that often go out to customers who are late on their payments. However, no late fees were added to your account. Your lease obligation is for 10 monthly payments of $131.76 with the option to pay off early at any time. To date, you have completed 4 payments and are 4 payments overdue. The total of those 4 payments is $527.04 - once the amount has been paid, your account will be removed from collections.
To make these payments, please update your payment method by either contacting our customer support center at XXX-XXX-XXXX or go to your online SmartPay account at home.billfloat.com.
Please feel free to respond with any questions or concerns.
Thank you,
[redacted]
Initial Business Response /* (1000, 5, 2015/11/05) */
Hi [redacted],
We are sorry to hear you're frustrated. We want to apologize for any confusion regarding your 12-payment SmartPay lease to own program. For your reference, we have attached a copy of the Lease Terms and Conditions you...
agreed to when you applied for SmartPay. It 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, 03/11/2016
Please note, these Terms have always been available for your review on your customer dashboard, located smartpaylease.com/login.
Here is your payment history:
07/31/2015 Manual $382.08
07/31/2015 Automatic $152.64
07/03/2015 Automatic $152.64
06/05/2015 Automatic $152.6
05/08/2015 Automatic $120.00
The payment on 07/31/2015 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 messages. To 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-XXXX. Our 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 /* (1000, 5, 2014/09/03) */
customer received response via e-mail
Initial Consumer Rebuttal /* (3000, 7, 2014/09/03) */
Hello [redacted]. I was contacted from Smart pay that they refunded back the first charge. However, I have no answer to my proposed...
resolution.
Final Business Response /* (4000, 9, 2014/09/04) */
customer received response via e-mail.
Initial Business Response /* (1000, 5, 2014/02/18) */
On 2/18/14, the following email was sent to the customer:
Hi [redacted],
Thank you for contacting SmartPay Customer Support. We have reviewed your email and have also seen that you have filed a complaint with the Better Business...
Bureau - please let this email serve as a response to both.
Per the Terms & Conditions of your SmartPay lease, that were agreed to when you signed up for SmartPay, your lease is divided into 10 payments of $39.41, with a portion of each payment going to the price of the phone and another portion to cover rental fees (the Terms & Conditions are available in your online SmartPay account at home.billfloat.com and are also attached to this email). You also have the option of paying off your lease at any time at a discount, with the ability to waive any rental fees if the pay off is completed within 90 days of the initiation of the lease ("90 days same-as-cash"). In your case, the last day to have taken advantage of the same-as-cash option was 01/16/14.
Our records also show that you had called our customer support center several times before your same-as-cash expiration date (October 14th and December 24th), where the agents that helped you explained how the same-as-cash option works and what your date would be.
Please review the attached document and feel free to contact us with any other questions or concerns. Your complaint also mentioned that you had trouble contact us. For SmartPay Customer Support, please either email us at [redacted]@billfloat.com or call us at (XXX) XXX-XXXX.
Thank you,
Initial Business Response /* (1000, 5, 2015/10/02) */
Dear [redacted],
Thank you for contacting SmartPay support. I want to apologize for any confusion regarding your 9 month SmartPay lease to own program. For your reference, I have attached a copy of your Lease Terms and Conditions. Please...
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 1 payment of $97.38 and 8 payments of $78.84, and at the end of the term, you would own the items listed below:
Samsung Galaxy S5 4G LTE
$39.95 Page Plus Unlimited 1GB*
As of today, you have made 7 of your 9 payments. Below, please find a list of your remaining payments and their due dates.
This is a fixed 9 Payment Lease-to-own Plan.
10/26/2015 $78.84 scheduled
11/23/2015 $78.84 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 time. You may do so by choosing one of the following options:
1. 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 leased. This option is available at anytime during the lease term. As of today, your Early Payoff amount is $129.84. Due to the confusion regarding the Early Payoff Option and your lease, I can offer you a temporary discount. If you process a payment for $78.84 before 10/16/15, we will consider your lease complete and you will own the items listed above.
If you wish to take advantage of this offer, please reply to this email with the date you would like the payment processed.
2. Returning the Leased Items
You may terminate your lease by returning the leased items at anytime during the lease period. Once 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. For 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,
SmartPay Customer Support
Initial Business Response /* (1000, 5, 2015/04/17) */
The following email was sent to the customer on 4/17/15:
Hi [redacted],
My name is [redacted] and I handle complaints filed with the Revdex.com. I've had a chance to review your history with us and wanted to reach out to clarify a...
few items.
Firstly, I was unable to find a record of your April 12th call. Can you provide more information about it (what phone number you called from, what time, who you might have spoke to) so I can further review it?
I'd also like to clarify the policy around the returning of leased items. Items leased via SmartPay at a MetroPCS store can be returned within 7 days of the beginning of the lease for a full refund (provided some requisites around the item's condition, which it sounds like the items you leased meet). After 7 days, to return leased items they must be sent to SmartPay (via a pre-paid Fedex label, which was sent to you and you used) however because this is a lease, the payment cannot be refunded as it is payment for use of the leased items. Once we receive the items, your lease will be marked as complete and no further payment will be due.
It sounds like there may have been some miscommunication between you and the agent that gave you the initial instructions. If you could provide us with more information about your interaction with them, we will follow up with them accordingly.
Thank you,
Initial Consumer Rebuttal /* (3000, 7, 2015/04/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not have a name of the person I talked to at SmartPay on April 12th, 2015. If the person has a protocol, they should have logged in my information when that identified me as the account holder. Since your representatives do not start their conversations with their ID number, and some have such hard accents that it is hard to tell what they are saying..well, again, I don't have that information. Based on the information I did have, I left work early on April 13, 2015 to get to the Corporate Store in Duncanville to return the merchandise as I was instructed, only to find everyone so amazed that I didn't know the Corporate Store could not take the item back. What I wanted as a Fed-Ex shipping label. Well, again, I didn't get one. So on it goes. Listen, I was a good customer and never missed a payment. To go through all this (stuff) is so ridiculous. Many people laugh when I say I have Metro PCS, but I bragged about your services. Now, well....that's not going to happen again. Fix this now.
Final Consumer Response /* (3000, 13, 2015/04/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
If your organization, SmartPay, does an audit of the practices at the MetroPCS corporate office, you will find that your statement about 7 days return is not communicated. Nor was it communicated on my 12 month lease agreement. Application [redacted] dated February 6, 2015. It appears that we are going round and round about processes that you have not we defined very well and you expect a consumer to go along with it, perhaps as a result of your lack of experience in dealing with professionals and businesses. I will not agree to paying any amount on this returned Tablet because of your inefficiencies.
Final Business Response /* (4000, 15, 2015/04/29) */
Customer sent the following response via email on 4/27/15:
Hi [redacted],
In response to your latest Revdex.com response, the '7 day return window' is something that MetroPCS offers its customers and is not part of the lease (called the "Metro Promise"). From our perspective, if the store will take back and item and offer the customer a refund, then they are able to also cancel the lease. Again, this is not something under our control so it is not something that we advertise because it is up to the store.
Thank you,
Initial Business Response /* (1000, 8, 2014/04/30) */
Hi [redacted],
Thank you for contacting SmartPay. We apologize if you were misled by the clerk with regards to how the payments would be deducted from your account. We will be following up with the store to make sure they understand that...
SmartPay payments are separate from MetroPCS phone bills, as they are two different companies.
Separately, please contact customer support at [redacted]@billfloat.com or XXX-XXX-XXXX to set up alternative payment methods.
Thank you,
Initial Consumer Rebuttal /* (3000, 10, 2014/05/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
they can contact me I have given up on talking to those people due to there constant rudeness, now if they give me there address ill be glad to pay thank you otherwise I have nothing for you I NEVER AND I MEAN NEVER LET ANYONE JUST TAKE MONEY OUT OF MY ACCOUNT, THEY HAVE MY NUMBER
Final Business Response /* (4000, 12, 2014/05/12) */
Customer has been responded to via email on 5/12/14.
HelloI applied for your account and I got approved for $1,000 and I went to go put my bank cardOf $80 down for the payment and you're telling me that it was rejected.. and they told me to call my bank and I did just that and it was nothing wrong with my bank card.. it was something wrong the Merchant. So I went back today and for the same run around... this is not the way to treat loyal customers...
Initial Business Response /* (1000, 5, 2014/05/13) */
The customer was responded to via email on 5/13/14
Initial Consumer Rebuttal /* (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 offered. I need to speak to some one in reference to this response.
Final Business Response /* (4000, 9, 2014/05/29) */
Customer's issue has been resolved over email
Initial Business Response /* (1000, 5, 2015/06/22) */
The customer was responded to via email (with Terms & Conditions document included) on 6/22/15
Initial Consumer Rebuttal /* (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 /* (4000, 9, 2015/06/29) */
The customer is claiming that they did not agree to the terms of the lease. We 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 complaint. It is unclear how else we can assist the customer.
Initial Business Response /* (1000, 6, 2014/04/02) */
It is unclear what we can do to help this customer with their complaint. The Terms & Conditions of each lease are unique and contain personal information, and therefore cannot be made available at every store in which our program is...
available. The Terms & Conditions are available at the time the lease was agreed to and at any time at the customer's account at home.billfloat.com. Additionally, we are happy to provide the document to any customer that requests it.
Initial Consumer Rebuttal /* (3000, 8, 2014/04/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Their statement is simply not true. Myself and many others have observed that their terms and conditions are not available in stores where agreements are signed, not sent in the mail, and not available until customers realize that they have been been overcharged and a victim of predatory lending.
Final Business Response /* (4000, 10, 2014/04/29) */
To reiterate, the Terms & Conditions of every lease are available in-store at the time the lease is agreed to (it is a part of the application flow) and at any time after that, by accessing their account at home.billfloat.com.
Initial Business Response /* (1000, 5, 2014/02/18) */
On 2/18/14, the following email was sent to the customer:
Hi [redacted],
My name is [redacted] and I'm in charge of handling complaints filed with the Revdex.com. I've had a chance to review your complaint and your history with us...
and wanted to follow up with you.
Per the Terms & Conditions that were agreed to when you signed up for SmartPay, your lease is divided into 10 payments of $115.53, with a portion of each payment going to the price of the phone and another portion covering the rental fees (these terms are available in your online SmartPay account at home.billfloat.com and have been attached to this email). You also have the option to pay off the lease at any time at a discount, and the ability to avoid rental fees completely if the pay off is completed with 90 days of the initiation of the lease date ("90 days same-as-cash").
At this point, you have completed 7 of the 10 payments of $115.53 and have the option to pay off early for $179.52.
Please review the attached document and feel free to respond with any questions or concerns.
Thank you,
[redacted]
Initial Consumer Rebuttal /* (3000, 7, 2014/02/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I wasn't informed this was a lease at all when I purchased the phone, in fact I was informed it was like a credit line. Being charged $115 per month is ridiculous! My phone is only worth 550$ and $115 over the course of 10 months is nearly triple the amount of the phone. This is one of the biggest scams I've ever heard of. Not only are the people representing your company misinformed but the customer service is atrocious. $115 per months for 7 months I have paid about $800 & supposedly 4 of the last $115 payments were suppose to have gone towards my phone. If the first 3 payments were also $115 and I paid $345 of the $550 yet I still owe $180?! So basically when you add it up you are telling me out of $475 I paid the next 4 months only $15 were used towards my phone while the rest was used as supposed "rental fees"?!
I don't understand how this is even a legitimate business, after doing more research all I've heard were complaints about you guys.
My compromise is simple and I will repeat it again. I would like a refund of a certain amount of money, and since it seems your company is so very set in their ways I am willing to propose another solutuon. My middle ground would be to not he charged anymore for my phone. I am standing very firm on this and I will not be paying anymore cash out of pocket for a supposed "legitimate" business. Like I mentioned previously it is absolute ridiculousness that I've paid $115 for 10 months yet somehow I still owe $180?! When you do the math how does that make sense in anyone's mind?! Note how [redacted] DOES NOT care to mention how much of my $115 payment, after the 3 months, actually went towards my phone. Because if you were to divide how much actually went towards my phone by the 4 months after the initial 3 it is less than $5 a month!!
Bottom line is I am not paying a penny more to this misleading & illegitimate business. I my resolution is clear either I get a refund of a certain amount of money (at least $50) or you just let me keep my phone. I'm offering a latter choice since I am trying to be as negotiable as possible, most people would want a refund of the overcharges.
Thank you,
[redacted]
Final Business Response /* (4000, 11, 2014/03/13) */
As was stated in the previous communication in this case, a portion of each of your lease payments goes to the price of the phone, and another portion goes to rental fees. It is unclear where you understood that the portions that go towards the price of the phone are $15 or $5. Unfortunately, we are unable to compromise with regards to the terms of your lease.
Your account shows that you have made 8 of the 10 payments of your lease. At this point, to fulfill your lease obligations you can take any of the following options:
1) Return the phone to us using a pre-paid Fedex shipping label that we will send to you
2) Continue to make the last two payments on your account, for $115.53 each
3) Pay your lease off early for $119.68.
Please do not hesitate to contact our customer support center at [redacted]@billfloat.com or XXX-XXX-XXXX for more information.
Final Consumer Response /* (4200, 15, 2014/03/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
As I stated earlier you are cheating people out of hundreds of dollars and as I explained earlier this was explained to me as a CREDIT LINE NOT A LEASE. Also taking out 30$ here and there out of my account is completely unprofessional. You are charging me over $1000 for a PHONE and yet you still want more. What part of me stating you are only taking out 5-15$ per payment do you not understand? If you do the math of all the payments I've made basically NONE of the money had gone towards the phone itself, but it's gone toward "rental fees" so then refund my money & I'll send my phone or a brand new Samsung S4 but I'm not going to pay anymore money. If you look your business up online you have NUMEROUS complaints. It's a miracle you guys are still in business.
None the less, you aren't getting any more money and if you can't even negotiate then what's the point of even working with customers and the Revdex.com? This is the worst customer service from any company I've ever dealt with.
Initial Business Response /* (1000, 5, 2015/07/22) */
Contact Name and Title: [redacted] R. Director of C
Contact Email: [redacted]@smartpaylease.com
Dear Mr. [redacted] ,
First of all, I would like to apologize for any confusion. It does appear one of your emails was missed, and we sincerely...
apologize as that should not have happened. We strive to provide great service to all of our customers, but on occasion we fail. When we fail, we like to take responsibility and work extra hard to make things right. We strive to ensure that our customers are provided with multiple advance disclosures of the key terms of their SmartPay lease as well as multiple emails and SMS messages to the contact methods we have on file.
SmartPay is a lease-to-own program that assists customers in renting mobile phones and other equipment, typically on a month-to-month basis. As per your lease agreement, you agreed to make an initial payment of $90.00 and 23 payments of $55.12, and at the end of the term, you would own the items listed below:
**Items**
*Blu Studio 6.0
Blu Life Play X*
For your reference, I have attached a copy of your Lease Terms and Conditions. Please note, these Terms are always available for your review on your customer dashboard, located smartpaylease.com/login. As of today, you have made 9 of your 24 lease payments. A lease to
### 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 time. You may do so by choosing one of the following options: ###
**1. 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 leased. This option is available at anytime during the lease term. As of today, your Early Payoff amount is $450. This amount is valid until your next due date on August 3, 2015. Due to the confusion regarding the Early Payoff Option and your lease, I can offer you a temporary discount. **If you process a payment for $165.36 before July 30, 2015, we will consider your lease complete and you will own the items listed above.**
**If you wish to take advantage of this offer, please reply to this email with the date you would like the payment processed.**
**2. Returning the Leased Items**
You may terminate your lease by returning the leased items at anytime during the lease period. Once 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. For 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 /* (1000, 5, 2016/01/11) */
Hi [redacted],
Our system shows that your previous SmartPay offers [redacted] & [redacted] expired. Customers have 7 days from the date that they are approved for a SmartPay lease to use the offer amount.
However, you do have an active...
SmartPay Lease [redacted] You can view your SmartPay account information, including your payment dates and Terms & Conditions (attached to this email), by logging into your dashboard at SmartPayLease.com/login. For further questions, contact us at XXX-XXX-XXXX or visit SmartPayLease.com/help.
Please rest assured that we store your information securely. You can view our Privacy Policy at https://smartpaylease.com/privacy.
Best,
SmartPay Customer Support Team
Initial Business Response /* (1000, 5, 2015/05/06) */
Customer's issue is due to a communication issue between the customer, store, and SmartPay customer support. The issue is being resolved over customer support.
Initial Consumer Rebuttal /* (3000, 7, 2015/05/11) */
(The...
consumer indicated he/she DID NOT accept the response from the business.)
This issue is ongoing since Nov 2014, as to date no one is willing to resolve this issue from Smartpay. Been sending emails to their Customer Support. Only recd and email on 5/1/15 requesting to provide proof of return. I have sent the proof in the package in which they recd and process.
Final Business Response /* (4000, 9, 2015/05/19) */
Customer was advised on 5/1/15 to send in a return receipt or proof of return to resolve the issue. Once this is received, the issue can be handled accordingly.
Initial Business Response /* (1000, 5, 2015/12/16) */
Hi [redacted],
We're sorry to hear that your device was not working. Our records show that on June 3, you called SmartPay Support. A Customer Support Agent advised you to contact Net10 Wireless regarding any warranty-related concerns....
SmartPay is a separate company from Net10 Wireless, a partner company. SmartPay does not offer exchanges or replacements for your device.
If you had an extended service warranty to cover non-factory defect issues, we suggest contacting Net10 Wireless again to follow up on your issue.
You can view your SmartPay account information, including your payment dates and Terms & Conditions, by logging into your dashboard at SmartPayLease.com/login. For further questions, contact us at XXX-XXX-XXXX or visit SmartPayLease.com/help.
Best,
SmartPay Customer Support Team
Definitely a company trying to get credit card information. Was 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 approval. The 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 time. When 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 /* (1000, 5, 2015/11/05) */
Dear [redacted],
We take helping our customers very seriously, and when a customer reports an error like this, we want to make certain we investigate it properly and correct it as soon as possible. In order to do this, we will need a copy of...
the following documents:
1. Police report
2. In cases where the personal info was stolen (name, DOB, SSN, etc.), we need evidence (documentation) that an alert was put on your SSN to avoid future thefts of this type
3. If your debit card information was stolen, we need a document from the bank stating that the card was compromised because of fraud and cancelled.
Please fax a copy of the document to XXX-XXX-XXXX, ATTN: Customer Support. Please make sure to include your name, email address, and phone number associated with your SmartPay account (if applicable), or we will be unable to process the submission. You may also email a copy of your statement (in PDF format) to [redacted]@smartpaylease.com.
Thank you very much for your patience.
Best,
SmartPay Customer Support Team
Initial Consumer Rebuttal /* (3000, 7, 2015/11/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Good morning
Non of my credit cards were charged for the amount disputed, Now the company asked for my SS#. I can not provide that because the company may have that already. I'm willing to present a class action civil lawsuit against Smart Pay. I will not give in to corporate bulling nor the their scam
Final Business Response /* (4000, 9, 2015/11/11) */
Hi [redacted],
Thank you for your follow-up message. We are sorry to hear you're frustrated, and understand your concern. So that we can resolve this in a timely manner, however, we do need the documents we requested to assist us in our investigation.
We apologize for the inconvenience, and thank you for your patience and cooperation.
Best,
SmartPay Customer Support Team
Final Consumer Response /* (4200, 11, 2015/11/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Smart Pay has not sent me the documents of the allege charge not it refused to provide the Company owner and the employee that made those false charges against me. I'm asking the government shut down this Smart Pay illicit operation. I maintain my ground of Smart Pay slander my reputation. Fraudulently sent me a bill that I will not pay. I demand $5,000,000 in restitution ad the criminal processing for all employees and the owner from such fraudulent company.
Initial Business Response /* (1000, 5, 2015/09/22) */
Contact Name and Title: [redacted] Director of Customer
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@smartpaylease.com
Dear Ms. [redacted],
Thank you for contacting SmartPay support. I want to apologize for any confusion regarding your...
12 month SmartPay lease to own program. For your reference, I have attached a copy of your Lease Terms and Conditions. Please 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 1 payments of $92.22 and 11 payments of $102.82, and at the end of the term, you would own the items listed below:
[redacted]
ASUS [redacted]
ASUS [redacted]
ASUS [redacted]
As of today, you have made 7 of your 12 payments. Below, please find a list of your remaining payments and their due dates.
This is a fixed 12 Payment Lease-to-own Plan.
07/20/2015 $102.82 overdue
08/17/2015 $102.82 overdue
09/14/2015 $102.82 overdue
10/12/2015 $102.82 scheduled
11/09/2015 $102.82 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 time. You may do so by choosing one of the following options:
1. 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 leased. This option is available at anytime during the lease term. As of today, your Early Payoff amount is $400.76, including the 3 overdue installments. Due to the confusion regarding the Early Payoff Option and your lease, I can offer you a temporary discount. If you process a payment for $308.46 before 10/5/2015, we will consider your lease complete and you will own the items listed above.
If you wish to take advantage of this offer, please reply to this email with the date you would like the payment processed.
2. Returning the Leased Items
You may terminate your lease by returning the leased items at anytime during the lease period. Once 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 and we will waive your overdue lease payments. For 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] R.
Initial Consumer Rebuttal /* (3000, 7, 2015/09/25) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I don't agree with this company they are not truthful, they are claiming that I owe them from July to Nov 9, wanting to negate the fact that they debited my acct twice a month. I was able to pull from my acct on smart pay the month of June where they took a double payment, I have never missed a payment so there was no need for them to ever take a double payment that they were never authorized to do. I will be receiving bank statements to show their activities in my account between their double dipping which was a constant practice with them it caused continuous fees to accrue totaling 314.00. The bank told me that a company can try to debit your acct up to 4 times a day each time the bank can charge you. I am a Senior Citizen with a fixed income I get the same amount of money each month most times and since I allowed 2 companies to access my account through my bankcard I thought I would be safe, it would be easy to keep up with amount of money going in my account and going out. So I really didn't keep close tabs on the acct, until I got a notice that my car note had not been paid, I looked at my acct there was a deficeit and my overdraft acct protection was depleted I find out later it's because the bank had been covering any and all short falls that's when the investigation started. I am working with the overdraft department at my bank now to restore my acct, they are starting with the investigation is matter that started in June, because I informed them that they too dropped the ball on this and let these people continue, on debiting until August, When I initially came to them for help in June, a C/R looked at my acct got smartpay's number called them had a conversation with regarding their practices and informed them that at my request they would no longer have access to my acct. As I stated in my initial claim the bank did try to block smart pay from accessing the account in June after they got their monthly payment the beginning of the month, but when I received a call from smart pay to say another payment was due 6/25/15 , I called the bank to block them. I don't have a biweekly pymt acct never have I have always paid 102.82 per month. I have never filled out a lease agreement / lease / contract with smart pay, that would inform me that they would require me to pay biweekly or twice month. The only I received contract I have I received from radio shack where I purchase/leased 01/02/2015, my [redacted], and ASUS K553MA-DB1TQ, payment frequency Monthly on pay date, next payment due 0/02/2015, I was told that my payments would be due on the second day of each month, and that's when I expected to pay 102.82 and I did, but not twice a month. I have proof from their record and bank records they have caused me a hardship to me as a result of these activities. So no what they are saying is unacceptable. Thank up any and all assistance that you give.
Final Business Response /* (4000, 9, 2015/09/28) */
Dear Ms. [redacted],
We are sorry for the confusing regarding your SmartPay Lease due dates.
**Below, please find a copy of your SmartPay Payment History:**
08/23/2015
at: 08:20:08 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/22/2015
at: 08:20:21 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/21/2015
at: 08:20:52 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/20/2015
at: 08:21:23 PM Automatic $205.64 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/19/2015
at: 08:22:08 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/18/2015
at: 08:23:28 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/17/2015
at: 08:22:32 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/16/2015
at: 03:05:45 AM Automatic $205.64 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/14/2015
at: 08:23:26 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/13/2015
at: 08:23:03 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/12/2015
at: 08:24:19 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/11/2015
at: 08:24:30 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/10/2015
at: 08:23:40 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/09/2015
at: 08:24:26 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/08/2015
at: 08:24:44 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/07/2015
at: 08:25:11 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/06/2015
at: 08:24:55 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/05/2015
at: 08:26:26 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/04/2015
at: 08:22:10 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/03/2015
at: 08:22:55 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/02/2015
at: 08:23:30 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
08/01/2015
at: 08:23:52 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/31/2015
at: 08:24:23 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/30/2015
at: 08:25:11 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/29/2015
at: 08:25:34 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/28/2015
at: 08:25:58 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/27/2015
at: 08:24:59 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/26/2015
at: 08:25:59 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/25/2015
at: 08:24:41 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/24/2015
at: 08:26:41 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/23/2015
at: 08:25:13 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/22/2015
at: 08:26:54 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/21/2015
at: 08:26:07 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/20/2015
at: 08:26:48 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
07/19/2015
at: 03:05:51 AM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
06/21/2015
at: 03:05:59 AM 06/22/2015 Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Success
06/04/2015
at: 08:44:59 PM 06/05/2015 Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Success
06/03/2015
at: 08:47:07 PM 06/04/2015 Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Success
06/02/2015
at: 08:47:05 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
06/01/2015
at: 08:49:13 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
05/31/2015
at: 08:47:30 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
05/30/2015
at: 08:47:54 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
05/29/2015
at: 08:53:03 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
05/28/2015
at: 08:49:36 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
05/27/2015
at: 08:52:09 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
05/26/2015
at: 08:52:52 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
05/25/2015
at: 08:50:58 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
05/24/2015
at: 03:06:07 AM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
05/04/2015
at: 08:52:21 PM 05/05/2015 Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Success
05/03/2015
at: 08:50:51 PM 05/04/2015 Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Success
05/02/2015
at: 08:51:26 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
05/01/2015
at: 08:55:36 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
04/30/2015
at: 08:52:55 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
04/29/2015
at: 08:54:07 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
04/28/2015
at: 08:54:20 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
04/27/2015
at: 08:54:14 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
04/26/2015
at: 03:06:18 AM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
04/02/2015
at: 08:56:24 PM 04/03/2015 Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Success
04/01/2015
at: 08:59:20 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
03/31/2015
at: 08:59:28 PM Automatic $51.41 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
03/30/2015
at: 08:58:29 PM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
03/29/2015
at: 03:07:07 AM Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
03/01/2015
at: 03:09:21 AM 03/02/2015 Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Success
02/02/2015
at: 08:54:47 PM 02/03/2015 Automatic $102.82 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Success
02/02/2015
at: 09:51:52 AM 02/02/2015 Automatic -$9.15 VISA DEBIT CARD XXXX - [redacted]
(Primary) Return Credit Success
02/01/2015
at: 03:09:37 AM Automatic $114.48 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Failed
01/12/2015
at: 02:52:48 PM 01/12/2015 Automatic -$0.00 VISA DEBIT CARD XXXX - [redacted]
(Primary) Return Credit Success
01/02/2015
at: 12:19:27 PM 01/02/2015 Automatic $92.22 VISA DEBIT CARD XXXX - [redacted]
(Primary) Scheduled payment Success
To find a copy of your Terms & Conditions as well as your payment history, you may also log in to your SmartPay account at www.smartpaylease.com/login.
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 time. You may do so by choosing one of the following options:
1. Processing an Early Payoff
2. Returning the Leased Items
Best,
SmartPay