Initial Business Response /* (1000, 5, 2015/05/06) */
Customer is using this complaint forum to ask for an adjustment to their lease terms - responded to via email on 5/6/15
Initial Business Response /* (1000, 5, 2015/12/10) */
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 and cooperation. If you would like to view the details of your SmartPay Lease, you may do so by logging in at SmartPayLease.com/login. Here you can view your payment dates, SmartPay Lease Terms and Conditions as well as other relevant information regarding your SmartPay Lease. If you have further questions, you may visit SmartPayLease.com/help for more information or you may contact us at XXX-XXX-XXXX.
Best,
SmartPay Customer Support Team
Initial Business Response /* (1000, 6, 2015/10/30) */
Dear Ms. [redacted]
Thank you for contacting SmartPay, and I apologize for any confusion. On August 18, 2015, you entered into a lease agreement with SmartPay for the following items:
$15 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 early. This payment of $337.49 was processed per you request and it resulted in your purchase of the leased items and the canceling of your lease. We 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 $337.49 payment was made, you owned the items in question.
I hope this information is helpful.
Best,
Initial Consumer Rebuttal /* (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 resolved. I received a threat from them that if I didn't fill out their on line app they would begin taking from my account. I couldn't afford them to do that. But they took buyout amount anyway. I didn't have a lease with them. I just want my $337.49 back. That will resolve everything.
Final Business Response /* (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 $337.49 ) over the phone.
As mentioned before you no longer have any further obligations to SmartPay associated with the lease number [redacted] as once that $337.49 payment was made, you owned the items in question.
Best,
SmartPay Customer Support Team
Final Consumer Response /* (4200, 17, 2015/11/24) */
This complaint has not been resolved. Fraud charges will be filed against them. SmartPay needs to be stopped.
Initial Business Response /* (1000, 9, 2015/10/21) */
Dear Ms. [redacted],
We apologize for the error. We have marked your lease as complete. You will see this when you login to your SmartPay Dashboard at SmartPayLease.com/login within the next 3-5 business days.
Thank you for using...
SmartPay and please feel free to contact us at XXX-XXX-XXXX if you have any further questions.
Best,
Initial Consumer Rebuttal /* (2000, 12, 2015/10/22) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Even thought the email response from smartpay is quite vague, it appears that they have chosen to honor the fact that I paid off my lease and now own my phone. I did attempt to log into my account dashboard with smartpay (even though they said it could take 3-5 days for it to be corrected) and it appears that my account has been removed, therefore marked as paid and complete. Thank you Revdex.com for assistance in this matter, and thank you SmartPay for doing the right thing by honoring my EPO.
Initial Business Response /* (1000, 8, 2014/03/13) */
We were unable to locate an account in our system associated with the information provided on the customer.
If the customer provides us with the email address, application number, or phone number associated with their account with us,...
we'd be happy to investigate further.
Initial Consumer Rebuttal /* (3000, 10, 2014/03/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
the account email is [redacted]@yahoo.com
it is under my name, please stop using ignorance or inability to do anything due to company policy as evasive tactics. the manager verified they could find the account by name alone just that employees refused to search that way.
Final Business Response /* (4000, 12, 2014/03/18) */
We have located your account with the email the customer provided and have responded to them via email. The customer was overcharged twice and was only refunded once - the other overcharge has been escalated for refund.
Initial Business Response /* (1000, 5, 2014/03/05) */
On 3/5/14, 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. Per the Terms & Conditions associated with your SmartPay lease,...
you had 30 days to pay off your lease without accruing any fees. After that you still had (and continue to have) the option of paying off your lease early, at a discount compared to the amount you would pay if you made monthly payments until the lease was complete. Currently, you have two more payments of $128.40 left on your lease, however you can pay off early for $171.18.
These terms, and other information associated with your lease can be found on your online SmartPay account at home.billfloat.com. I've attached a copy of these terms to this email.
Please feel free to respond with any questions or concerns.
Thank you,
I understand companies are trying to make money through their own ways but this is ridiculous and would not suggest this company to nobody!!!!
I am so upset right now ! This is a complete rip of! and customer service is not helpful at all, they are just reading a script ! Even the supervisor!!!!!
When phone was purchased the contract was never explained to me now I'm stuck paying for a phone I was only suppose to pay 799 I'm paying 186. For 12 months I was only suppose to pay for five months.
Initial Business Response /* (1000, 5, 2014/02/19) */
On 2/19/14, the following email was sent to the customer:
Hi [redacted],
We'd like to answer your question, and also have this email serve as a response to your complaint to the Revdex.com.
Per the Terms & Conditions...
that were agreed to when you signed up for SmartPay (these terms are available in your online SmartPay account at home.billfloat.com), your lease is divided into 10 payments of $93.10 with a portion of each lease going to cover the cost of the phone and another portion covering rental fees. Note that you have the option to pay off the phone early at any time, without any fees if it is done within the first 90 days of the lease (your deadline was on 12/22/13). Below is the portion of the Terms & Conditions that discusses early pay off:
9. EARLY PURCHASE OPTION (EPO): You can purchase the Property at any time. During the first 90 days, your EPO price will be the Cash Price, above, less all rental payments made (not including any taxes or fees), plus tax. After that, your EPO price will be calculated as follows: Cash Price less 50% of rental payments made (not including any taxes or fees), plus tax.
As you have already been notified, you also have the option of returning the phone at any time - once we've received the phone, your lease obligation is complete.
Please do not hesitate to contact us with any other questions or concerns.
Thank you,
Initial Consumer Rebuttal /* (3000, 7, 2014/02/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
So I either pay another $189.43 on top of the $564.60 that I have already paid totaling $754.03 for a phone that cost $468.73 and I relinquish possession of my phone to your company. So I overpay for a phone by $285.30 that I would no longer own. I still dont see or understand how you broke the price down for the EPO price because its basically just two more payments and has nothing to do with what you mentioned above ("Cash Price less 50% of rental payments made (not including any taxes or fees), plus tax.") And this is assuming that your company doesn't conveniently announce receipt of the phone until after ANOTHER payment is due.
The other option would be wait out the rest of the 9 months, keep the phone, and end up paying a total of $931 effectively having been charged 100% interest or "fees" on this phone.
Under either scenario I feel that Metropcs and your company misrepresented this service as I had no clue until now of these terms and conditions, that this is unfair business practice as there was nothing in-store effectively relaying these terms and conditions or type of service this really is. I was under the impression that this was store credit until now.
I want an EPO that is fair. Another $189.43 is not fair considering how much I have already paid and for the hassle of getting a straight answer from your customer service.
Final Business Response /* (4000, 12, 2014/03/13) */
On 3/12/14 the customer was sent the following email:
Hi [redacted],
The payment plan you signed up for when you received your Samsung Galaxy S3 on September 23, 2013 is a lease with 10 payments of $93.10, with an option to pay off early at any time. In exchange for the convenience of using a payment plan, as opposed to paying for this phone in its entirety up front with cash in-store, is a rental fee that is added to each payment. While the sum of your payments to this point is more than the original price of the phone, only a portion of that sum has gone to pay for the phone, as the rest has gone to pay for rental fees.
To date, you have made 6 of the 10 payments for this lease, with 4 remaining. In order to complete your lease obligation, you can choose one of the following options:
1) Return your phone to us using a prepaid Fedex label that we can send to you
2) Continue paying off the 4 remaining payments on your lease
3) Exercise the early pay off option for $189.43
Please do not hesitate to contact us with any other questions - [redacted]@billfloat.com, or call (XXX) XXX-XXXX.
Final Consumer Response /* (4200, 18, 2014/03/28) */
Are you kidding me? Were my emails regarding issues replying before the response deadline even read? I even left a voice mail after no response from email.
No, I am not satisfied with the company's response. Here are previous emails just in case...
March 18, 2014
I am trying to log into my account to respond on Case # XXXXXXXX but the link is not working and I tried logging in but the website cannot seem to find my email address.
March 21, 2014
I am trying to log into my account to respond on Case # XXXXXXXX but the link is not working and I tried logging in but the website cannot seem to find my email address. I tried calling about this issue and left a message on 03/18/2014....
March 26, 2014
What happened with my original case #??? Why does it not even show up under their business listing? Why is it not listed and I could no longer access it to post a reply before the 24th? Why would this company still be rated an "A" if there are over 100 complaints with the same issue? Is that because perhaps I'm not the only person who was unable to respond to the company regarding a complaint? Not to mention the same complaints, or similar complaints posted on other websites, which is probably why they no longer have a business Facebook page.
A simple search will show on Revdex.com's website and other websites similarity in complaints. How could my original case not be available for response or even posted on their report at all? I emailed, left a voice mail regarding this issue before the reply deadline so what gives? Most "Resolutions" show Complaint Resolution: Company addressed the complaint issues. The consumer failed to acknowledge acceptance to Revdex.com. " Could this be that cases are closed or have restricted access to the consumer even before the deadline? I'm assuming it is and if that's the case, what service is Revdex.com to consumers at all?
Previous Revdex.com complaints:
"Bill Float failed to send contract as requested during initial plan at Metro PCS store so I could see the total costs associated with the contract"
"Excessive interest and finance charges"
"I purchased the LG phone in September 2013 from Metro PCS. When I applied for credit to get the phone I was not told this was a lease to own with outrageous fees that will accumlate
Initial Business Response /* (1000, 5, 2015/11/24) */
Hi [redacted],
We are sorry for any confusion during the call that you received. SmartPay Leasing is a wholly owned subsidiary of
TEMPOE. Please rest assured that your information is stored securely, as outlined in our Privacy Policy:...
https://smartpaylease.com/privacy
Our system shows that you have 3 payments remaining on your lease:
Payments Remaining (scheduled on pay date)
This is a fixed 6 Payment Lease-to-own Plan.
Date Amount Progress
10/02/2015 $98.44 overdue
10/30/2015 $98.44 overdue
11/27/2015 $98.44 scheduled
Once the payments are completed, you will own your leased items.
You can save on total fees when you process a lease Buy Out. Since 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 48 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: $246.90 (includes your overdue amount)
To process a Buy Out:
1. Go to www.smartpaylease.com/login.
2. Enter your email address and password.
3. Click the purple "Make Payment" button at the bottom of the page.
4. A window will pop up. Select "Pay the full Amount."
5. Check to see that the correct debit card is selected from the drop-down list.
6. Click "Make Payment. "
If you need assistance, please contact our Customer Support Team at XXX-XXX-XXXX. We can help you process a Buy Out over the phone.
Once finalized, a Buy Out request can't be cancelled.
You can view your SmartPay account information, including your payment dates and Terms & Conditions (attached), 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
Initial Business Response /* (1000, 6, 2014/09/17) */
We have been collecting on this customer per the Terms and Conditions associated with this lease which began at the time of acquisition. The customer was sent the Terms and Conditions of the lease on June 6th. We understand the customer...
may have been confused; we therefore offered the customer 50% off of the early payoff price of $225 on June 6th. The customer refused this offer; we are unable to go beyond this offer.
Initial Business Response /* (1000, 5, 2014/02/19) */
On 2/19/14 the following email was sent to the customer:
Hi Esperanza,
Thank you for contacting SmartPay Customer Support. We have received your inquiry with regard to the charge on your debit card as well as your complaint to the...
Revdex.com - please consider this a response to both.
Our records show that on 8/31/13 you signed up for our lease-to-own program in a MetroPCS store in Union City for an LG Optimus cell phone. Per the Terms & Conditions associated with this lease (that are available in your online SmartPay account at home.billfloat.com), we are authorized to collect the 10 payments for this lease with any payment method that was supplied during or after the application process. Please note that to date, you have made 7 of the 10 payments and have the option to pay off at any time.
Please let us know if we can address any other questions or concerns.
Thank you,
Initial Business Response /* (1000, 5, 2015/05/06) */
Customer is using this complaint forum to ask for an adjustment to their lease terms - responded to via email on 5/6/15
Initial Business Response /* (1000, 5, 2015/12/10) */
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 and cooperation. If you would like to view the details of your SmartPay Lease, you may do so by logging in at SmartPayLease.com/login. Here you can view your payment dates, SmartPay Lease Terms and Conditions as well as other relevant information regarding your SmartPay Lease. If you have further questions, you may visit SmartPayLease.com/help for more information or you may contact us at XXX-XXX-XXXX.
Best,
SmartPay Customer Support Team
Initial Business Response /* (1000, 6, 2015/10/30) */
Dear Ms. [redacted]
Thank you for contacting SmartPay, and I apologize for any confusion. On August 18, 2015, you entered into a lease agreement with SmartPay for the following items:
$15 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 early. This payment of $337.49 was processed per you request and it resulted in your purchase of the leased items and the canceling of your lease. We 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 $337.49 payment was made, you owned the items in question.
I hope this information is helpful.
Best,
Initial Consumer Rebuttal /* (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 resolved. I received a threat from them that if I didn't fill out their on line app they would begin taking from my account. I couldn't afford them to do that. But they took buyout amount anyway. I didn't have a lease with them. I just want my $337.49 back. That will resolve everything.
Final Business Response /* (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 $337.49 ) over the phone.
As mentioned before you no longer have any further obligations to SmartPay associated with the lease number [redacted] as once that $337.49 payment was made, you owned the items in question.
Best,
SmartPay Customer Support Team
Final Consumer Response /* (4200, 17, 2015/11/24) */
This complaint has not been resolved. Fraud charges will be filed against them. SmartPay needs to be stopped.
Initial Business Response /* (1000, 9, 2015/10/21) */
Dear Ms. [redacted],
We apologize for the error. We have marked your lease as complete. You will see this when you login to your SmartPay Dashboard at SmartPayLease.com/login within the next 3-5 business days.
Thank you for using...
SmartPay and please feel free to contact us at XXX-XXX-XXXX if you have any further questions.
Best,
Initial Consumer Rebuttal /* (2000, 12, 2015/10/22) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Even thought the email response from smartpay is quite vague, it appears that they have chosen to honor the fact that I paid off my lease and now own my phone. I did attempt to log into my account dashboard with smartpay (even though they said it could take 3-5 days for it to be corrected) and it appears that my account has been removed, therefore marked as paid and complete. Thank you Revdex.com for assistance in this matter, and thank you SmartPay for doing the right thing by honoring my EPO.
Initial Business Response /* (1000, 8, 2014/03/13) */
We were unable to locate an account in our system associated with the information provided on the customer.
If the customer provides us with the email address, application number, or phone number associated with their account with us,...
we'd be happy to investigate further.
Initial Consumer Rebuttal /* (3000, 10, 2014/03/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
the account email is [redacted]@yahoo.com
it is under my name, please stop using ignorance or inability to do anything due to company policy as evasive tactics. the manager verified they could find the account by name alone just that employees refused to search that way.
Final Business Response /* (4000, 12, 2014/03/18) */
We have located your account with the email the customer provided and have responded to them via email. The customer was overcharged twice and was only refunded once - the other overcharge has been escalated for refund.
Initial Business Response /* (1000, 5, 2014/03/05) */
On 3/5/14, 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. Per the Terms & Conditions associated with your SmartPay lease,...
you had 30 days to pay off your lease without accruing any fees. After that you still had (and continue to have) the option of paying off your lease early, at a discount compared to the amount you would pay if you made monthly payments until the lease was complete. Currently, you have two more payments of $128.40 left on your lease, however you can pay off early for $171.18.
These terms, and other information associated with your lease can be found on your online SmartPay account at home.billfloat.com. I've attached a copy of these terms to this email.
Please feel free to respond with any questions or concerns.
Thank you,
I understand companies are trying to make money through their own ways but this is ridiculous and would not suggest this company to nobody!!!!
! and customer service is not helpful at all, they are just reading a script ! Even the supervisor!!!!!
I am so upset right now ! This is a complete rip of
When phone was purchased the contract was never explained to me now I'm stuck paying for a phone I was only suppose to pay 799 I'm paying 186. For 12 months I was only suppose to pay for five months.
Initial Business Response /* (1000, 5, 2015/07/14) */
Customer was responded to directly via email on 7/14/15.
Initial Business Response /* (1000, 5, 2014/02/19) */
On 2/19/14, the following email was sent to the customer:
Hi [redacted],
We'd like to answer your question, and also have this email serve as a response to your complaint to the Revdex.com.
Per the Terms & Conditions...
that were agreed to when you signed up for SmartPay (these terms are available in your online SmartPay account at home.billfloat.com), your lease is divided into 10 payments of $93.10 with a portion of each lease going to cover the cost of the phone and another portion covering rental fees. Note that you have the option to pay off the phone early at any time, without any fees if it is done within the first 90 days of the lease (your deadline was on 12/22/13). Below is the portion of the Terms & Conditions that discusses early pay off:
9. EARLY PURCHASE OPTION (EPO): You can purchase the Property at any time. During the first 90 days, your EPO price will be the Cash Price, above, less all rental payments made (not including any taxes or fees), plus tax. After that, your EPO price will be calculated as follows: Cash Price less 50% of rental payments made (not including any taxes or fees), plus tax.
As you have already been notified, you also have the option of returning the phone at any time - once we've received the phone, your lease obligation is complete.
Please do not hesitate to contact us with any other questions or concerns.
Thank you,
Initial Consumer Rebuttal /* (3000, 7, 2014/02/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
So I either pay another $189.43 on top of the $564.60 that I have already paid totaling $754.03 for a phone that cost $468.73 and I relinquish possession of my phone to your company. So I overpay for a phone by $285.30 that I would no longer own. I still dont see or understand how you broke the price down for the EPO price because its basically just two more payments and has nothing to do with what you mentioned above ("Cash Price less 50% of rental payments made (not including any taxes or fees), plus tax.") And this is assuming that your company doesn't conveniently announce receipt of the phone until after ANOTHER payment is due.
The other option would be wait out the rest of the 9 months, keep the phone, and end up paying a total of $931 effectively having been charged 100% interest or "fees" on this phone.
Under either scenario I feel that Metropcs and your company misrepresented this service as I had no clue until now of these terms and conditions, that this is unfair business practice as there was nothing in-store effectively relaying these terms and conditions or type of service this really is. I was under the impression that this was store credit until now.
I want an EPO that is fair. Another $189.43 is not fair considering how much I have already paid and for the hassle of getting a straight answer from your customer service.
Final Business Response /* (4000, 12, 2014/03/13) */
On 3/12/14 the customer was sent the following email:
Hi [redacted],
The payment plan you signed up for when you received your Samsung Galaxy S3 on September 23, 2013 is a lease with 10 payments of $93.10, with an option to pay off early at any time. In exchange for the convenience of using a payment plan, as opposed to paying for this phone in its entirety up front with cash in-store, is a rental fee that is added to each payment. While the sum of your payments to this point is more than the original price of the phone, only a portion of that sum has gone to pay for the phone, as the rest has gone to pay for rental fees.
To date, you have made 6 of the 10 payments for this lease, with 4 remaining. In order to complete your lease obligation, you can choose one of the following options:
1) Return your phone to us using a prepaid Fedex label that we can send to you
2) Continue paying off the 4 remaining payments on your lease
3) Exercise the early pay off option for $189.43
Please do not hesitate to contact us with any other questions - [redacted]@billfloat.com, or call (XXX) XXX-XXXX.
Final Consumer Response /* (4200, 18, 2014/03/28) */
Are you kidding me? Were my emails regarding issues replying before the response deadline even read? I even left a voice mail after no response from email.
No, I am not satisfied with the company's response. Here are previous emails just in case...
March 18, 2014
I am trying to log into my account to respond on Case # XXXXXXXX but the link is not working and I tried logging in but the website cannot seem to find my email address.
March 21, 2014
I am trying to log into my account to respond on Case # XXXXXXXX but the link is not working and I tried logging in but the website cannot seem to find my email address. I tried calling about this issue and left a message on 03/18/2014....
March 26, 2014
What happened with my original case #??? Why does it not even show up under their business listing? Why is it not listed and I could no longer access it to post a reply before the 24th? Why would this company still be rated an "A" if there are over 100 complaints with the same issue? Is that because perhaps I'm not the only person who was unable to respond to the company regarding a complaint? Not to mention the same complaints, or similar complaints posted on other websites, which is probably why they no longer have a business Facebook page.
A simple search will show on Revdex.com's website and other websites similarity in complaints. How could my original case not be available for response or even posted on their report at all? I emailed, left a voice mail regarding this issue before the reply deadline so what gives? Most "Resolutions" show Complaint Resolution: Company addressed the complaint issues. The consumer failed to acknowledge acceptance to Revdex.com. " Could this be that cases are closed or have restricted access to the consumer even before the deadline? I'm assuming it is and if that's the case, what service is Revdex.com to consumers at all?
Previous Revdex.com complaints:
"Bill Float failed to send contract as requested during initial plan at Metro PCS store so I could see the total costs associated with the contract"
"Excessive interest and finance charges"
"I purchased the LG phone in September 2013 from Metro PCS. When I applied for credit to get the phone I was not told this was a lease to own with outrageous fees that will accumlate
Initial Business Response /* (1000, 5, 2015/11/24) */
Hi [redacted],
We are sorry for any confusion during the call that you received. SmartPay Leasing is a wholly owned subsidiary of
TEMPOE. Please rest assured that your information is stored securely, as outlined in our Privacy Policy:...
https://smartpaylease.com/privacy
Our system shows that you have 3 payments remaining on your lease:
Payments Remaining (scheduled on pay date)
This is a fixed 6 Payment Lease-to-own Plan.
Date Amount Progress
10/02/2015 $98.44 overdue
10/30/2015 $98.44 overdue
11/27/2015 $98.44 scheduled
Once the payments are completed, you will own your leased items.
You can save on total fees when you process a lease Buy Out. Since 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 48 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: $246.90 (includes your overdue amount)
To process a Buy Out:
1. Go to www.smartpaylease.com/login.
2. Enter your email address and password.
3. Click the purple "Make Payment" button at the bottom of the page.
4. A window will pop up. Select "Pay the full Amount."
5. Check to see that the correct debit card is selected from the drop-down list.
6. Click "Make Payment. "
If you need assistance, please contact our Customer Support Team at XXX-XXX-XXXX. We can help you process a Buy Out over the phone.
Once finalized, a Buy Out request can't be cancelled.
You can view your SmartPay account information, including your payment dates and Terms & Conditions (attached), 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
Initial Business Response /* (1000, 6, 2014/09/17) */
We have been collecting on this customer per the Terms and Conditions associated with this lease which began at the time of acquisition. The customer was sent the Terms and Conditions of the lease on June 6th. We understand the customer...
may have been confused; we therefore offered the customer 50% off of the early payoff price of $225 on June 6th. The customer refused this offer; we are unable to go beyond this offer.
Initial Business Response /* (1000, 5, 2014/02/19) */
On 2/19/14 the following email was sent to the customer:
Hi Esperanza,
Thank you for contacting SmartPay Customer Support. We have received your inquiry with regard to the charge on your debit card as well as your complaint to the...
Revdex.com - please consider this a response to both.
Our records show that on 8/31/13 you signed up for our lease-to-own program in a MetroPCS store in Union City for an LG Optimus cell phone. Per the Terms & Conditions associated with this lease (that are available in your online SmartPay account at home.billfloat.com), we are authorized to collect the 10 payments for this lease with any payment method that was supplied during or after the application process. Please note that to date, you have made 7 of the 10 payments and have the option to pay off at any time.
Please let us know if we can address any other questions or concerns.
Thank you,