Do NOT EVER get a phone from this companyThey will try to squeeze every last dime from you and keep making your lease longer and longer and then charge a termination feeI regret ever getting involved with these peopleThey're crooks
Initial Business Response / [redacted] (1000, 5, 2014/03/13) */ On 3/13/14, 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.comI've had a chance to review your complaint and your history with us As you have noted, the payment plan that allowed you to leave the store with the phone for a lower price than the full price of the phone is the SmartPay lease-to-own program, and the payment you made was the first of payments of $required to complete the lease (with the option to pay off early at any time) To date, you have completed of the payments of $and you are $(payments)Once you have brought your account up to date, you have the option of paying the lease off early, which is a cheaper option than paying all payments all the way through Furthermore, we have reviewed your contacts with us and we have only one record of a call from you to our call centerOur notes show that the call was made on February 24th and the agent informed you of the option to pay off early Please feel free to respond with any questions or concerns Thank you,
Initial Business Response / [redacted] (1000, 5, 2014/07/14) */ Hi [redacted] , My name is [redacted] and I'm in charge of handling complaints filed with the Revdex.comI've had a chance to review your complaint and your history with us I've attached the Terms and Conditions per your requestAdditionally, if you wish to return the phone, here are the steps: please e-mail [redacted] @billfloat.com for a pre=paid FedEx return label Send the phone back to us Once we receive it, you will owe no more future payments All the best, ***
I went to Metro PCS on [redacted] in [redacted] , Fl and purchased a phone under the services of SmartPayThey offered me the option of a payment under day same as cash, but when I went home and contacted SmartPay I learned that id was a scamThey refused the days same as cash paymentThey tried to make me go through all the payments, which included the $for the phone, 20% of interest, and the additional $I had already payed previously as a down payment; despite and on the contrary of the information they had provided me with
Initial Business Response / [redacted] (1000, 5, 2015/11/05) */ Hi [redacted] , We did send you an email on Tuesday requesting documents so that we can look further into your issue Again, 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 possibleIn order to do this, we will need a copy of the following documents: Police report 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 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 SupportPlease 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 submissionYou may also email a copy of your statement (in PDF format) to [redacted] @smartpaylease.com Thank you very much for your patience and cooperation Best, SmartPay Customer Support Team Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/11/06) */ (The consumer indicated he/she DID NOT accept the response from the business.) I received your email and have replied two times that I am not your customer and shouldn't have to be asked to get a police report, etcI have now asked your company in all my emails to please let me speak to someone who can search your systems by the debit number being used so that you can see the person responsible for using my card Final Business Response / [redacted] (4000, 9, 2015/11/11) */ Hi [redacted] , Thank you for your follmessageOur system shows that our team has reached out to you regarding the documents we require to proceed with the investigation of your case "Hi [redacted] , In order for us to process identity theft claims, we require the documentation described in the previous emailWe apologize for the inconvenience and appreciate your cooperation Thank you, SmartPay Customer Support Team" Final Consumer Response / [redacted] (4200, 11, 2015/11/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) Their response is unacceptableI am simply asking for them to run a search by my debit card that is being used to withdrawal money from my accountThe 'documentation' that they are asking me to provide are ridiculous
Initial Business Response / [redacted] (1000, 5, 2015/12/28) */ Dear [redacted] , Thank you for contacting SmartPay supportI want to apologize for any confusion regarding your 18-payment SmartPay lease to own programFor 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 payments of $(except for your upfront payment of $32.18), and at the end of the term, you would own the items listed below: *Motorola X (1st Gen) [redacted] As of today, you have made of your paymentsAs stated in the Terms & Conditions you agreed to when you applied for SmartPay, the payments are due *every other week*Below, please find a list of your remaining payments and their due dates Payments Remaining (scheduled on pay date) This is a fixed Payment Lease-to-own Plan Date Amount Progress 12/30/$scheduled 01/08/$scheduled 01/22/$scheduled 02/05/$scheduled 02/19/$scheduled 03/04/$scheduled 03/18/$scheduled 04/01/$scheduled 04/15/$scheduled 04/29/$scheduled 05/13/$scheduled Your SmartPay lease agreement allows you to purchase items by leasing over a set period of time, but it also allows you to terminate your lease at any timeYou may do so by choosing one of the following options: Processing an Early Payoff An Early Payoff allows you to purchase the items prior to the end of your lease term by processing a lump sum payment for the remaining retail value of the items leasedThis option is available at anytime during the lease termAs of today, your Early Payoff amount is $Due to the confusion regarding the Early Payoff Option and your lease, I can offer you a temporary discountIf you process a payment for $before 01/06/2016, 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 If you decide to accept the offer, we will apply your scheduled payment due on 12/30/toward the Early Payoff amount (if it is successfully completed) Returning the Leased Items You may terminate your lease by returning the leased items at anytime during the lease periodOnce the items are received in good, working order, your SmartPay lease will be terminated, and you will not be charged for any future lease paymentsFor your convenience, I have attached a pre-paid FedEx label, if you chose to exercise this optionPlease be advised, in order to suspend your payment due on 01/08/2016, the items must be received by 01/06/ Thank you again, and I hope this information is helpful Best, [redacted] SmartPay Customer Support Team Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/01/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is not a question of the payment scheduleAs stated in the initial claim, the companies website showed that there was an early pay off option for the amount of until 12/18/when I went online to do the payment of the company changed the amount of the payment and the date that was allowedIn the lease contract it shows that I had until 12/25/to do a payment for early buy outI even received a phone call from [redacted] ( [redacted] , whom is part of the companies collection department she informed meShe looked over the lease contract and said "I agree that the lease shows you have until 12/25/to make a $early buy out payment, but I spoke to my manager and I am not allowed to honor that lease agreement." I had the phone call on speaker phone so that other parties could hear the entire conversationSo the issue still remains that if their own employee sees that I was supposed to be allowed to make a $payment for the early buy out, and is aware that someone at their company changed the date and amount on the website to benefit the company, why is the company not honoring the very lease that they gave meI am still more than happy to hold my end of the lease and pay the $- (12/30/payment that has been processed) for a total of $as of nowI am going by what the companies own lease states and what I am told from one of their collections department employees has saidIf you look at the terms of lease it also states under (section .23)that a payment of $would be due (per month)The company has been deducting that amount bi-weeklyso this company has not held up their own lease in more than one wayI would really like to know how many other customers they have tried to do this to also I have sent emails to this company regarding the issue at handI have not received any valid response too this issueI have asked many times for a contact number other than the customer service number so that I can talk to someone that can help resolve this issueI am told that there is no contact number and that all contact has to be made through emailI have sent many emails with no response from them Final Business Response / [redacted] (4000, 10, 2016/01/07) */ Hi [redacted] , We are willing to make an exception in this case and extend the offer until 01/15/However, you do have a scheduled payment due on 01/08/(not on 01/15/2016)What we can do is apply that payment to the $ (This means that if the payment due on 01/08/is successfully completed, we will collect $on 01/15/from your "Primary" payment method on file.) Best, SmartPay Customer Support Team
Initial Business Response / [redacted] (1000, 5, 2015/11/05) */ Dear ***, 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 possibleIn order to do this, we will need a copy of the following documents: Police report 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 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 SupportPlease 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 submissionYou 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 / [redacted] (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 alreadyI'm willing to present a class action civil lawsuit against Smart PayI will not give in to corporate bulling nor the their scam Final Business Response / [redacted] (4000, 9, 2015/11/11) */ Hi ***, Thank you for your follmessageWe are sorry to hear you're frustrated, and understand your concernSo 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 / [redacted] (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 charges against meI'm asking the government shut down this Smart Pay illicit operationI maintain my ground of Smart Pay slander my reputationFraudulently sent me a bill that I will not payI demand $5,000,in restitution ad the criminal processing for all employees and the owner from such fraudulent company
Initial Business Response / [redacted] (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 / [redacted] (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 tacticsthe manager verified they could find the account by name alone just that employees refused to search that way Final Business Response / [redacted] (4000, 12, 2014/03/18) */ We have located your account with the email the customer provided and have responded to them via emailThe customer was overcharged twice and was only refunded once - the other overcharge has been escalated for refund
Initial Business Response / [redacted] (1000, 5, 2015/12/16) */ Hi ***, We're sorry to hear that your device was not workingOur records show that on June 3, you called SmartPay SupportA Customer Support Agent advised you to contact NetWireless regarding any warranty-related concerns SmartPay is a separate company from NetWireless, a partner companySmartPay 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 NetWireless 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/loginFor further questions, contact us at XXX-XXX-XXXX or visit SmartPayLease.com/help Best, SmartPay Customer Support Team
Initial Business Response / [redacted] (1000, 5, 2014/05/26) */ on 5/26/14, 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.comI've had a chance to review your complaint and your history with us I wanted to clarify the details of your lease so that we work towards a resolutionOur system shows that on 10/21/13, you leased a Samsung Galaxy S4, an LG Optimus Las well as your first month of service using SmartPay from a MetroPCS store on [redacted] Blvd, Suite [redacted] CA, XXXXXYour lease was for payments of $with the option to pay off early at any timeTo date, you have completed of the payments and are payment overdue All of this information is included in the Terms & Conditions associated with your lease, which I have attached to this email, and are also available at home.billfloat.com Please feel free to respond with any questions or concerns Thank you, [redacted] Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/06/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) I don't accept their response for many reasons which I already explained in my letter; this just confirms to me that this is really a SCAM between SmartPay and MetroPCS: 1.- MetroPCS never mentioned anything about SmartPay or that their offer was a Lease-to-buy agreementThey just offered me a months plan to pay my equipment on equal installments 3.- From what read in the letter above, the leased didn't include my first month of service which I paid it on that daythe number of LG Optimus Lphones IS NOT CORRECT nor is correct the MetroPCS store I got them fromI can provide the correct information if needed, but this just proves how bad the SCAM is 3.- I have never seen the terms and conditions until after I started the complaint and SmartPay sent them to me 4.- I NEVER agreed to the terms and conditions either and, as I stated in my letter, the "process" that is supposed to be used by SmartPay, according to MetroPCS, in notifying customers, to "agree to the terms" was not followed in my case; I NEVER received a phone call or an email for me to agree to any "lease agreement" 5.- I NEVER did any deal SmartPay and MetroPCS was VERY insistent that I take advantage of their promotion and that I didn't have to pay the equipment right away, even after I wanted to pay it that day I feel this is just a trick used to make us believe that we have months and later on when customers, like me, notice that more money keeps on being deducted and after calling them to investigate, we find out what is going on, the-month promotion period is over and that we still owe a lot of moneyHow can we not fall into this when we are lied about everything? The equipment was just $1,and now I have to pay ($ [redacted] months) = $2,This is really a rip offI have already made payments (deducted monthly from the bank), $1,437,and I feel I have to be reimbursed for the overpaid amount of $($1,- $1,029.33) As I was told by a representative of SmartPay, "How do you think we make money?" during the second phone call when the Ticket Number XXXXXX was opened, but not by lying to the customers and by being so trickyAgain, the terms and conditions document that I recently read, doesn't have the proper information: equipment and MetroPCS Store location, and also, the certification of agreement was not obtain from me as I never agreed to anything by mail, by phone or electronically as stated in the document "If your Lease-Purchase application is approved, you will be asked to electronically sign your Lease-Purchase Agreement (set forth below) by checking a "Sign Here" boxWhen you do that, you also will be certifying that you agree to receive disclosures and notices electronically." I have never, in fact, logged into any of their websites and never have setup my account; which I have been asked lately in all of the emails I now receive from SmartPay I really hope Revdex.com can do something about this to prevent more people fall into this SCAM which seems to be between MetroPCS stores and SmartPay Regards, [redacted] Final Business Response / [redacted] (4000, 9, 2014/06/17) */ responded to customer via e-mail Final Consumer Response / [redacted] (4200, 11, 2014/06/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) Once more, I do not accept their proposed resolution because I don't believe I owe any penny anymoreI already explained the reasons in my letter and also in the previous responseI really don't know what else to explain hereThe email I received from SmartPay on June 17, proposes a 50% 0ff de Early Payoff Price because I was "misinformed"Not only I was misinformed but I never agreed to any terms as stated by SmartPay and they have not shown any proof of me agreeing to any agreement; which has wrong information about the equipment I got and the MetroPCS store I got the equipment atI just see a lot of wrong information about the terms I agree to which is obvious that it is not correct because this is just a SCAMI also keep receiving phone call from my bank stating that SamrtPay keeps on trying to deduct money from my bank accountAS I stated before, I am not willing to pay any more money to SmartPay and I do expect a refund of the already overpaid amount of $ Please read again my previous response for the detailed information about what has happened already and why this is clearly a SCUMI just wonder how many more people are in this same situation with SmartPay or similar companies that make many in a total dishonest wayI feel Revdex.com has to help us stop this ASAPI will go as far as I have to in order to stop this and maybe also help other people in the same situation Please Revdex.com, help us here by requesting fro the proper documentation of the agreement, the correct equipment, the Metro PCS store I got the equipment at, and my signature of the agreementI did not received any email or phone call and I have never logged into SmartPay so I couldn't agreed electronically either
Initial Business Response / [redacted] (1000, 5, 2015/12/10) */ Dear ***, 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 possibleIn order to do this, we will need a copy of the following documents: Police report 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 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 SupportPlease 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 submissionYou may also email a copy of your statement (in PDF format) to [redacted] @smartpaylease.com Thank you very much for your patience and cooperationIf you would like to view the details of your SmartPay Lease, you may do so by logging in at SmartPayLease.com/loginHere you can view your payment dates, SmartPay Lease Terms and Conditions as well as other relevant information regarding your SmartPay LeaseIf 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 / [redacted] (1000, 8, 2014/04/30) */ Hi [redacted] , Thank you for contacting SmartPayWe apologize if you were misled by the clerk with regards to how the payments would be deducted from your accountWe 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 / [redacted] (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 / [redacted] (4000, 12, 2014/05/12) */ Customer has been responded to via email on 5/12/
Initial Business Response / [redacted] (1000, 5, 2014/11/11) */ Hi [redacted] , We have had a chance to look at your case and we've refunded you for the following amounts: 11/07/- $ 11/07/- $ The funds will appear in your bank account sometime this week If you have more questions, contact us at [redacted] @smartpaylease.com or call (XXX) XXX-XXXXOur call center is open Monday-Saturday 7am-7pm PST; Sunday 7am-5pm PST Thank you for your patience, and we apologize for any inconvenience this may cause Best, Customer Support Initial Consumer Rebuttal / [redacted] (2000, 7, 2014/11/13) */ (The consumer indicated he/she ACCEPTED the response from the business.)
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 I'm paying For months I was only suppose to pay for five months
Initial Business Response / [redacted] (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 supportI want to apologize for any confusion regarding your month SmartPay lease to own programFor your reference, I have attached a copy of your Lease Terms and ConditionsPlease note, these Terms are always available for your review on your customer dashboard, located smartpaylease.com/login As per your lease agreement, you agreed to make payments of $and payments of $102.82, and at the end of the term, you would own the items listed below: [redacted] ASUS [redacted] ASUS [redacted] ASUS [redacted] As of today, you have made of your paymentsBelow, please find a list of your remaining payments and their due dates This is a fixed Payment Lease-to-own Plan 07/20/$overdue 08/17/$overdue 09/14/$overdue 10/12/$scheduled 11/09/$scheduled Your SmartPay lease agreement allows you to purchase items by leasing over a set period of time, but it also allows you to terminate your lease at any timeYou may do so by choosing one of the following options: Processing an Early Payoff An Early Payoff allows you to purchase the items prior to the end of your lease term by processing a lump sum payment for the remaining retail value of the items leasedThis option is available at anytime during the lease termAs of today, your Early Payoff amount is $400.76, including the overdue installmentsDue to the confusion regarding the Early Payoff Option and your lease, I can offer you a temporary discountIf you process a payment for $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 Returning the Leased Items You may terminate your lease by returning the leased items at anytime during the lease periodOnce the items are received in good, working order, your SmartPay lease will be terminated, and you will not be charged for any future lease payments and we will waive your overdue lease paymentsFor your convenience, I have attached a pre-paid FedEx label, if you chose to exercise this option Thank you again, and I hope this information is helpful Best, [redacted] R Initial Consumer Rebuttal / [redacted] (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 monthI 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 doI 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 The bank told me that a company can try to debit your acct up to times a day each time the bank can charge youI am a Senior Citizen with a fixed income I get the same amount of money each month most times and since I allowed 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 outSo 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 startedI 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 acctAs 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/, I called the bank to block themI don't have a biweekly pymt acct never have I have always paid per monthI 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 monthThe 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 and I did, but not twice a monthI have proof from their record and bank records they have caused me a hardship to me as a result of these activitiesSo no what they are saying is unacceptableThank up any and all assistance that you give Final Business Response / [redacted] (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: [redacted] 08/23/ at: 08:20:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/22/ at: 08:20:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/21/ at: 08:20:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/20/ at: 08:21:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/19/ at: 08:22:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/18/ at: 08:23:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/17/ at: 08:22:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/16/ at: 03:05:AM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/14/ at: 08:23:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/13/ at: 08:23:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/12/ at: 08:24:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/11/ at: 08:24:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/10/ at: 08:23:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/09/ at: 08:24:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/08/ at: 08:24:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/07/ at: 08:25:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/06/ at: 08:24:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/05/ at: 08:26:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/04/ at: 08:22:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/03/ at: 08:22:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/02/ at: 08:23:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/01/ at: 08:23:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/31/ at: 08:24:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/30/ at: 08:25:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/29/ at: 08:25:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/28/ at: 08:25:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/27/ at: 08:24:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/26/ at: 08:25:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/25/ at: 08:24:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/24/ at: 08:26:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/23/ at: 08:25:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/22/ at: 08:26:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/21/ at: 08:26:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/20/ at: 08:26:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/19/ at: 03:05:AM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 06/21/ at: 03:05:AM 06/22/Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Success 06/04/ at: 08:44:PM 06/05/Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Success 06/03/ at: 08:47:PM 06/04/Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Success 06/02/ at: 08:47:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 06/01/ at: 08:49:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 05/31/ at: 08:47:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 05/30/ at: 08:47:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 05/29/ at: 08:53:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 05/28/ at: 08:49:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 05/27/ at: 08:52:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 05/26/ at: 08:52:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 05/25/ at: 08:50:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 05/24/ at: 03:06:AM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 05/04/ at: 08:52:PM 05/05/Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Success 05/03/ at: 08:50:PM 05/04/Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Success 05/02/ at: 08:51:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 05/01/ at: 08:55:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 04/30/ at: 08:52:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 04/29/ at: 08:54:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 04/28/ at: 08:54:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 04/27/ at: 08:54:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 04/26/ at: 03:06:AM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 04/02/ at: 08:56:PM 04/03/Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Success 04/01/ at: 08:59:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 03/31/ at: 08:59:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 03/30/ at: 08:58:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 03/29/ at: 03:07:AM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 03/01/ at: 03:09:AM 03/02/Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Success 02/02/ at: 08:54:PM 02/03/Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Success 02/02/ at: 09:51:AM 02/02/Automatic -$VISA DEBIT CARD XXXX - [redacted] (Primary) Return Credit Success 02/01/ at: 03:09:AM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 01/12/ at: 02:52:PM 01/12/Automatic -$VISA DEBIT CARD XXXX - [redacted] (Primary) Return Credit Success 01/02/ at: 12:19:PM 01/02/Automatic $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 timeYou may do so by choosing one of the following options: Processing an Early Payoff Returning the Leased Items Best, SmartPay
I went to metro pcs to purchase a phone for my daughter for back to school, I was advised by the sales person that I could use Smart pay, where as I can just put a small deposit and pay monthly $46.40, my daughters phone was only $so on my bill I received from metro my total is suppose to be $Now ive been paying since August every two weeks and I have paid more than $269, now today I called to find out whats going on, I was advised that my daughters phone is on a lease for month, so for that months period I will be paying over $close to three phone cost!!! So tell me how that is fair to consumers, and if this was ever disclosed to anyone in their right mind if they would ever agree to this!!! Like I told the repesentive today this is a total RIP OFF!! This company Smart pay needs to be more clear so comsumers know exactly what they are getting into....I am not paying any more money to this company because I have Already paid more the enough for the phone
Purchased a new iPhone 6S Plus in August was offered Smartpay as lien or lease company for purchaseFirst months were fine original price for device was around $762.XX made a down payment of $and monthly payments of $every other weekAfter two months I had already paid an estamount of $called to make device buy out option and was then adviced my balance was still $And only had a option to keep making payments for month planThat's a total of $1,for a phone that originally costs $and not to mention when I tried to get a refund they told me I can return the device but $would be refunded? Apple also has the same phone available for $with a free pair of beats wireless headphonesAsked to speak to a manager and was left on hold for an hourThis company is ridiculousAbsolutely the worst, I would never recommend
Initial Business Response / [redacted] (1000, 5, 2015/07/14) */ The following email was sent to the customer on 7/14/15: Hi [redacted] , My name is [redacted] and I'm in charge of handling complaints filed with the Revdex.comI've had a chance to review your complaint and account history and wanted to clarify a few things Per the Terms & Conditions associated with your lease, which were agreed to at the time you agreed to the lease, the dates that your lease payments would be collected on are as follows: "RENEWAL PAYMENTS AND ELECTRONIC PAYMENT AUTHORIZATION: You are not obligated to renew this Agreement beyond the initial termHowever, you can renew this Agreement beyond the initial term, or beyond any subsequent renewal term, by making an advance rental payment on or before the renewal date Your renewal payments are due Renewal dates: 02/19/2015, 03/19/2015, 04/16/2015, 05/14/2015, 06/11/2015, 07/09/2015, 08/06/2015, 09/03/2015, 10/01/2015, 10/29/2015, 11/26/2015" Please note that the Terms & Conditions were available as part of the application before the lease was agreed to, continue to be available in your online SmartPay account, and have been included as an attachment to this email for your convenience Lease payments for your lease are collected once monthly as a result of a choice that was selected in your SmartPay applicationAdditionally, as you now know because you have exercised this option already, lease payment dates can be adjusted up to days for your lease, if requested at least days before the collection date Please do not hesitate to contact us with any other questions or concerns Thank you,
Initial Business Response / [redacted] (1000, 5, 2014/11/11) */ Hi [redacted] , Thanks for contacting usWe apologize for the inconvenience and we are escalating your SmartLine account to be closed If you have more questions, contact us at [redacted] @smartpaylease.com, or call (XXX) XXX-XXXXOur call center is open Monday-Saturday 7am-7pm PST; Sunday 7am-5pm PST Thank you for your patience, and have a great day Best, Customer Support
Initial Business Response / [redacted] (1000, 5, 2015/05/08) */ Our records show that the customer was able to successfully pay off their lease before their BuyOut deadline, as requestedThis case can be considered solved
Do NOT EVER get a phone from this companyThey will try to squeeze every last dime from you and keep making your lease longer and longer and then charge a termination feeI regret ever getting involved with these peopleThey're crooks
Initial Business Response / [redacted] (1000, 5, 2014/03/13) */ On 3/13/14, 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.comI've had a chance to review your complaint and your history with us As you have noted, the payment plan that allowed you to leave the store with the phone for a lower price than the full price of the phone is the SmartPay lease-to-own program, and the payment you made was the first of payments of $required to complete the lease (with the option to pay off early at any time) To date, you have completed of the payments of $and you are $(payments)Once you have brought your account up to date, you have the option of paying the lease off early, which is a cheaper option than paying all payments all the way through Furthermore, we have reviewed your contacts with us and we have only one record of a call from you to our call centerOur notes show that the call was made on February 24th and the agent informed you of the option to pay off early Please feel free to respond with any questions or concerns Thank you,
Initial Business Response / [redacted] (1000, 5, 2014/07/14) */ Hi [redacted] , My name is [redacted] and I'm in charge of handling complaints filed with the Revdex.comI've had a chance to review your complaint and your history with us I've attached the Terms and Conditions per your requestAdditionally, if you wish to return the phone, here are the steps: please e-mail [redacted] @billfloat.com for a pre=paid FedEx return label Send the phone back to us Once we receive it, you will owe no more future payments All the best, ***
I went to Metro PCS on [redacted] in [redacted] , Fl and purchased a phone under the services of SmartPayThey offered me the option of a payment under day same as cash, but when I went home and contacted SmartPay I learned that id was a scamThey refused the days same as cash paymentThey tried to make me go through all the payments, which included the $for the phone, 20% of interest, and the additional $I had already payed previously as a down payment; despite and on the contrary of the information they had provided me with
Initial Business Response / [redacted] (1000, 5, 2015/11/05) */ Hi [redacted] , We did send you an email on Tuesday requesting documents so that we can look further into your issue Again, 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 possibleIn order to do this, we will need a copy of the following documents: Police report 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 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 SupportPlease 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 submissionYou may also email a copy of your statement (in PDF format) to [redacted] @smartpaylease.com Thank you very much for your patience and cooperation Best, SmartPay Customer Support Team Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/11/06) */ (The consumer indicated he/she DID NOT accept the response from the business.) I received your email and have replied two times that I am not your customer and shouldn't have to be asked to get a police report, etcI have now asked your company in all my emails to please let me speak to someone who can search your systems by the debit number being used so that you can see the person responsible for using my card Final Business Response / [redacted] (4000, 9, 2015/11/11) */ Hi [redacted] , Thank you for your follmessageOur system shows that our team has reached out to you regarding the documents we require to proceed with the investigation of your case "Hi [redacted] , In order for us to process identity theft claims, we require the documentation described in the previous emailWe apologize for the inconvenience and appreciate your cooperation Thank you, SmartPay Customer Support Team" Final Consumer Response / [redacted] (4200, 11, 2015/11/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) Their response is unacceptableI am simply asking for them to run a search by my debit card that is being used to withdrawal money from my accountThe 'documentation' that they are asking me to provide are ridiculous
Initial Business Response / [redacted] (1000, 5, 2015/12/28) */ Dear [redacted] , Thank you for contacting SmartPay supportI want to apologize for any confusion regarding your 18-payment SmartPay lease to own programFor 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 payments of $(except for your upfront payment of $32.18), and at the end of the term, you would own the items listed below: *Motorola X (1st Gen) [redacted] As of today, you have made of your paymentsAs stated in the Terms & Conditions you agreed to when you applied for SmartPay, the payments are due *every other week*Below, please find a list of your remaining payments and their due dates Payments Remaining (scheduled on pay date) This is a fixed Payment Lease-to-own Plan Date Amount Progress 12/30/$scheduled 01/08/$scheduled 01/22/$scheduled 02/05/$scheduled 02/19/$scheduled 03/04/$scheduled 03/18/$scheduled 04/01/$scheduled 04/15/$scheduled 04/29/$scheduled 05/13/$scheduled Your SmartPay lease agreement allows you to purchase items by leasing over a set period of time, but it also allows you to terminate your lease at any timeYou may do so by choosing one of the following options: Processing an Early Payoff An Early Payoff allows you to purchase the items prior to the end of your lease term by processing a lump sum payment for the remaining retail value of the items leasedThis option is available at anytime during the lease termAs of today, your Early Payoff amount is $Due to the confusion regarding the Early Payoff Option and your lease, I can offer you a temporary discountIf you process a payment for $before 01/06/2016, 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 If you decide to accept the offer, we will apply your scheduled payment due on 12/30/toward the Early Payoff amount (if it is successfully completed) Returning the Leased Items You may terminate your lease by returning the leased items at anytime during the lease periodOnce the items are received in good, working order, your SmartPay lease will be terminated, and you will not be charged for any future lease paymentsFor your convenience, I have attached a pre-paid FedEx label, if you chose to exercise this optionPlease be advised, in order to suspend your payment due on 01/08/2016, the items must be received by 01/06/ Thank you again, and I hope this information is helpful Best, [redacted] SmartPay Customer Support Team Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/01/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is not a question of the payment scheduleAs stated in the initial claim, the companies website showed that there was an early pay off option for the amount of until 12/18/when I went online to do the payment of the company changed the amount of the payment and the date that was allowedIn the lease contract it shows that I had until 12/25/to do a payment for early buy outI even received a phone call from [redacted] ( [redacted] , whom is part of the companies collection department she informed meShe looked over the lease contract and said "I agree that the lease shows you have until 12/25/to make a $early buy out payment, but I spoke to my manager and I am not allowed to honor that lease agreement." I had the phone call on speaker phone so that other parties could hear the entire conversationSo the issue still remains that if their own employee sees that I was supposed to be allowed to make a $payment for the early buy out, and is aware that someone at their company changed the date and amount on the website to benefit the company, why is the company not honoring the very lease that they gave meI am still more than happy to hold my end of the lease and pay the $- (12/30/payment that has been processed) for a total of $as of nowI am going by what the companies own lease states and what I am told from one of their collections department employees has saidIf you look at the terms of lease it also states under (section .23)that a payment of $would be due (per month)The company has been deducting that amount bi-weeklyso this company has not held up their own lease in more than one wayI would really like to know how many other customers they have tried to do this to also I have sent emails to this company regarding the issue at handI have not received any valid response too this issueI have asked many times for a contact number other than the customer service number so that I can talk to someone that can help resolve this issueI am told that there is no contact number and that all contact has to be made through emailI have sent many emails with no response from them Final Business Response / [redacted] (4000, 10, 2016/01/07) */ Hi [redacted] , We are willing to make an exception in this case and extend the offer until 01/15/However, you do have a scheduled payment due on 01/08/(not on 01/15/2016)What we can do is apply that payment to the $ (This means that if the payment due on 01/08/is successfully completed, we will collect $on 01/15/from your "Primary" payment method on file.) Best, SmartPay Customer Support Team
Initial Business Response / [redacted] (1000, 5, 2015/11/05) */ Dear ***, 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 possibleIn order to do this, we will need a copy of the following documents: Police report 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 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 SupportPlease 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 submissionYou 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 / [redacted] (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 alreadyI'm willing to present a class action civil lawsuit against Smart PayI will not give in to corporate bulling nor the their scam Final Business Response / [redacted] (4000, 9, 2015/11/11) */ Hi ***, Thank you for your follmessageWe are sorry to hear you're frustrated, and understand your concernSo 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 / [redacted] (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 charges against meI'm asking the government shut down this Smart Pay illicit operationI maintain my ground of Smart Pay slander my reputationFraudulently sent me a bill that I will not payI demand $5,000,in restitution ad the criminal processing for all employees and the owner from such fraudulent company
Initial Business Response / [redacted] (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 / [redacted] (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 tacticsthe manager verified they could find the account by name alone just that employees refused to search that way Final Business Response / [redacted] (4000, 12, 2014/03/18) */ We have located your account with the email the customer provided and have responded to them via emailThe customer was overcharged twice and was only refunded once - the other overcharge has been escalated for refund
Initial Business Response / [redacted] (1000, 5, 2015/12/16) */ Hi ***, We're sorry to hear that your device was not workingOur records show that on June 3, you called SmartPay SupportA Customer Support Agent advised you to contact NetWireless regarding any warranty-related concerns SmartPay is a separate company from NetWireless, a partner companySmartPay 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 NetWireless 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/loginFor further questions, contact us at XXX-XXX-XXXX or visit SmartPayLease.com/help Best, SmartPay Customer Support Team
Initial Business Response / [redacted] (1000, 5, 2014/05/26) */ on 5/26/14, 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.comI've had a chance to review your complaint and your history with us I wanted to clarify the details of your lease so that we work towards a resolutionOur system shows that on 10/21/13, you leased a Samsung Galaxy S4, an LG Optimus Las well as your first month of service using SmartPay from a MetroPCS store on [redacted] Blvd, Suite [redacted] CA, XXXXXYour lease was for payments of $with the option to pay off early at any timeTo date, you have completed of the payments and are payment overdue All of this information is included in the Terms & Conditions associated with your lease, which I have attached to this email, and are also available at home.billfloat.com Please feel free to respond with any questions or concerns Thank you, [redacted] Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/06/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) I don't accept their response for many reasons which I already explained in my letter; this just confirms to me that this is really a SCAM between SmartPay and MetroPCS: 1.- MetroPCS never mentioned anything about SmartPay or that their offer was a Lease-to-buy agreementThey just offered me a months plan to pay my equipment on equal installments 3.- From what read in the letter above, the leased didn't include my first month of service which I paid it on that daythe number of LG Optimus Lphones IS NOT CORRECT nor is correct the MetroPCS store I got them fromI can provide the correct information if needed, but this just proves how bad the SCAM is 3.- I have never seen the terms and conditions until after I started the complaint and SmartPay sent them to me 4.- I NEVER agreed to the terms and conditions either and, as I stated in my letter, the "process" that is supposed to be used by SmartPay, according to MetroPCS, in notifying customers, to "agree to the terms" was not followed in my case; I NEVER received a phone call or an email for me to agree to any "lease agreement" 5.- I NEVER did any deal SmartPay and MetroPCS was VERY insistent that I take advantage of their promotion and that I didn't have to pay the equipment right away, even after I wanted to pay it that day I feel this is just a trick used to make us believe that we have months and later on when customers, like me, notice that more money keeps on being deducted and after calling them to investigate, we find out what is going on, the-month promotion period is over and that we still owe a lot of moneyHow can we not fall into this when we are lied about everything? The equipment was just $1,and now I have to pay ($ [redacted] months) = $2,This is really a rip offI have already made payments (deducted monthly from the bank), $1,437,and I feel I have to be reimbursed for the overpaid amount of $($1,- $1,029.33) As I was told by a representative of SmartPay, "How do you think we make money?" during the second phone call when the Ticket Number XXXXXX was opened, but not by lying to the customers and by being so trickyAgain, the terms and conditions document that I recently read, doesn't have the proper information: equipment and MetroPCS Store location, and also, the certification of agreement was not obtain from me as I never agreed to anything by mail, by phone or electronically as stated in the document "If your Lease-Purchase application is approved, you will be asked to electronically sign your Lease-Purchase Agreement (set forth below) by checking a "Sign Here" boxWhen you do that, you also will be certifying that you agree to receive disclosures and notices electronically." I have never, in fact, logged into any of their websites and never have setup my account; which I have been asked lately in all of the emails I now receive from SmartPay I really hope Revdex.com can do something about this to prevent more people fall into this SCAM which seems to be between MetroPCS stores and SmartPay Regards, [redacted] Final Business Response / [redacted] (4000, 9, 2014/06/17) */ responded to customer via e-mail Final Consumer Response / [redacted] (4200, 11, 2014/06/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) Once more, I do not accept their proposed resolution because I don't believe I owe any penny anymoreI already explained the reasons in my letter and also in the previous responseI really don't know what else to explain hereThe email I received from SmartPay on June 17, proposes a 50% 0ff de Early Payoff Price because I was "misinformed"Not only I was misinformed but I never agreed to any terms as stated by SmartPay and they have not shown any proof of me agreeing to any agreement; which has wrong information about the equipment I got and the MetroPCS store I got the equipment atI just see a lot of wrong information about the terms I agree to which is obvious that it is not correct because this is just a SCAMI also keep receiving phone call from my bank stating that SamrtPay keeps on trying to deduct money from my bank accountAS I stated before, I am not willing to pay any more money to SmartPay and I do expect a refund of the already overpaid amount of $ Please read again my previous response for the detailed information about what has happened already and why this is clearly a SCUMI just wonder how many more people are in this same situation with SmartPay or similar companies that make many in a total dishonest wayI feel Revdex.com has to help us stop this ASAPI will go as far as I have to in order to stop this and maybe also help other people in the same situation Please Revdex.com, help us here by requesting fro the proper documentation of the agreement, the correct equipment, the Metro PCS store I got the equipment at, and my signature of the agreementI did not received any email or phone call and I have never logged into SmartPay so I couldn't agreed electronically either
Initial Business Response / [redacted] (1000, 5, 2015/12/10) */ Dear ***, 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 possibleIn order to do this, we will need a copy of the following documents: Police report 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 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 SupportPlease 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 submissionYou may also email a copy of your statement (in PDF format) to [redacted] @smartpaylease.com Thank you very much for your patience and cooperationIf you would like to view the details of your SmartPay Lease, you may do so by logging in at SmartPayLease.com/loginHere you can view your payment dates, SmartPay Lease Terms and Conditions as well as other relevant information regarding your SmartPay LeaseIf 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 / [redacted] (1000, 8, 2014/04/30) */ Hi [redacted] , Thank you for contacting SmartPayWe apologize if you were misled by the clerk with regards to how the payments would be deducted from your accountWe 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 / [redacted] (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 / [redacted] (4000, 12, 2014/05/12) */ Customer has been responded to via email on 5/12/
Initial Business Response / [redacted] (1000, 5, 2014/11/11) */ Hi [redacted] , We have had a chance to look at your case and we've refunded you for the following amounts: 11/07/- $ 11/07/- $ The funds will appear in your bank account sometime this week If you have more questions, contact us at [redacted] @smartpaylease.com or call (XXX) XXX-XXXXOur call center is open Monday-Saturday 7am-7pm PST; Sunday 7am-5pm PST Thank you for your patience, and we apologize for any inconvenience this may cause Best, Customer Support Initial Consumer Rebuttal / [redacted] (2000, 7, 2014/11/13) */ (The consumer indicated he/she ACCEPTED the response from the business.)
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 I'm paying For months I was only suppose to pay for five months
Initial Business Response / [redacted] (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 supportI want to apologize for any confusion regarding your month SmartPay lease to own programFor your reference, I have attached a copy of your Lease Terms and ConditionsPlease note, these Terms are always available for your review on your customer dashboard, located smartpaylease.com/login As per your lease agreement, you agreed to make payments of $and payments of $102.82, and at the end of the term, you would own the items listed below: [redacted] ASUS [redacted] ASUS [redacted] ASUS [redacted] As of today, you have made of your paymentsBelow, please find a list of your remaining payments and their due dates This is a fixed Payment Lease-to-own Plan 07/20/$overdue 08/17/$overdue 09/14/$overdue 10/12/$scheduled 11/09/$scheduled Your SmartPay lease agreement allows you to purchase items by leasing over a set period of time, but it also allows you to terminate your lease at any timeYou may do so by choosing one of the following options: Processing an Early Payoff An Early Payoff allows you to purchase the items prior to the end of your lease term by processing a lump sum payment for the remaining retail value of the items leasedThis option is available at anytime during the lease termAs of today, your Early Payoff amount is $400.76, including the overdue installmentsDue to the confusion regarding the Early Payoff Option and your lease, I can offer you a temporary discountIf you process a payment for $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 Returning the Leased Items You may terminate your lease by returning the leased items at anytime during the lease periodOnce the items are received in good, working order, your SmartPay lease will be terminated, and you will not be charged for any future lease payments and we will waive your overdue lease paymentsFor your convenience, I have attached a pre-paid FedEx label, if you chose to exercise this option Thank you again, and I hope this information is helpful Best, [redacted] R Initial Consumer Rebuttal / [redacted] (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 monthI 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 doI 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 The bank told me that a company can try to debit your acct up to times a day each time the bank can charge youI am a Senior Citizen with a fixed income I get the same amount of money each month most times and since I allowed 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 outSo 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 startedI 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 acctAs 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/, I called the bank to block themI don't have a biweekly pymt acct never have I have always paid per monthI 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 monthThe 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 and I did, but not twice a monthI have proof from their record and bank records they have caused me a hardship to me as a result of these activitiesSo no what they are saying is unacceptableThank up any and all assistance that you give Final Business Response / [redacted] (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: [redacted] 08/23/ at: 08:20:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/22/ at: 08:20:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/21/ at: 08:20:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/20/ at: 08:21:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/19/ at: 08:22:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/18/ at: 08:23:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/17/ at: 08:22:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/16/ at: 03:05:AM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/14/ at: 08:23:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/13/ at: 08:23:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/12/ at: 08:24:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/11/ at: 08:24:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/10/ at: 08:23:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/09/ at: 08:24:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/08/ at: 08:24:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/07/ at: 08:25:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/06/ at: 08:24:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/05/ at: 08:26:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/04/ at: 08:22:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/03/ at: 08:22:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/02/ at: 08:23:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 08/01/ at: 08:23:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/31/ at: 08:24:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/30/ at: 08:25:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/29/ at: 08:25:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/28/ at: 08:25:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/27/ at: 08:24:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/26/ at: 08:25:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/25/ at: 08:24:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/24/ at: 08:26:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/23/ at: 08:25:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/22/ at: 08:26:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/21/ at: 08:26:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/20/ at: 08:26:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 07/19/ at: 03:05:AM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 06/21/ at: 03:05:AM 06/22/Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Success 06/04/ at: 08:44:PM 06/05/Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Success 06/03/ at: 08:47:PM 06/04/Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Success 06/02/ at: 08:47:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 06/01/ at: 08:49:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 05/31/ at: 08:47:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 05/30/ at: 08:47:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 05/29/ at: 08:53:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 05/28/ at: 08:49:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 05/27/ at: 08:52:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 05/26/ at: 08:52:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 05/25/ at: 08:50:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 05/24/ at: 03:06:AM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 05/04/ at: 08:52:PM 05/05/Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Success 05/03/ at: 08:50:PM 05/04/Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Success 05/02/ at: 08:51:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 05/01/ at: 08:55:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 04/30/ at: 08:52:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 04/29/ at: 08:54:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 04/28/ at: 08:54:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 04/27/ at: 08:54:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 04/26/ at: 03:06:AM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 04/02/ at: 08:56:PM 04/03/Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Success 04/01/ at: 08:59:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 03/31/ at: 08:59:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 03/30/ at: 08:58:PM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 03/29/ at: 03:07:AM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 03/01/ at: 03:09:AM 03/02/Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Success 02/02/ at: 08:54:PM 02/03/Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Success 02/02/ at: 09:51:AM 02/02/Automatic -$VISA DEBIT CARD XXXX - [redacted] (Primary) Return Credit Success 02/01/ at: 03:09:AM Automatic $VISA DEBIT CARD XXXX - [redacted] (Primary) Scheduled payment Failed 01/12/ at: 02:52:PM 01/12/Automatic -$VISA DEBIT CARD XXXX - [redacted] (Primary) Return Credit Success 01/02/ at: 12:19:PM 01/02/Automatic $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 timeYou may do so by choosing one of the following options: Processing an Early Payoff Returning the Leased Items Best, SmartPay
I went to metro pcs to purchase a phone for my daughter for back to school, I was advised by the sales person that I could use Smart pay, where as I can just put a small deposit and pay monthly $46.40, my daughters phone was only $so on my bill I received from metro my total is suppose to be $Now ive been paying since August every two weeks and I have paid more than $269, now today I called to find out whats going on, I was advised that my daughters phone is on a lease for month, so for that months period I will be paying over $close to three phone cost!!! So tell me how that is fair to consumers, and if this was ever disclosed to anyone in their right mind if they would ever agree to this!!! Like I told the repesentive today this is a total RIP OFF!! This company Smart pay needs to be more clear so comsumers know exactly what they are getting into....I am not paying any more money to this company because I have Already paid more the enough for the phone
Purchased a new iPhone 6S Plus in August was offered Smartpay as lien or lease company for purchaseFirst months were fine original price for device was around $762.XX made a down payment of $and monthly payments of $every other weekAfter two months I had already paid an estamount of $called to make device buy out option and was then adviced my balance was still $And only had a option to keep making payments for month planThat's a total of $1,for a phone that originally costs $and not to mention when I tried to get a refund they told me I can return the device but $would be refunded? Apple also has the same phone available for $with a free pair of beats wireless headphonesAsked to speak to a manager and was left on hold for an hourThis company is ridiculousAbsolutely the worst, I would never recommend
Initial Business Response / [redacted] (1000, 5, 2015/07/14) */ The following email was sent to the customer on 7/14/15: Hi [redacted] , My name is [redacted] and I'm in charge of handling complaints filed with the Revdex.comI've had a chance to review your complaint and account history and wanted to clarify a few things Per the Terms & Conditions associated with your lease, which were agreed to at the time you agreed to the lease, the dates that your lease payments would be collected on are as follows: "RENEWAL PAYMENTS AND ELECTRONIC PAYMENT AUTHORIZATION: You are not obligated to renew this Agreement beyond the initial termHowever, you can renew this Agreement beyond the initial term, or beyond any subsequent renewal term, by making an advance rental payment on or before the renewal date Your renewal payments are due Renewal dates: 02/19/2015, 03/19/2015, 04/16/2015, 05/14/2015, 06/11/2015, 07/09/2015, 08/06/2015, 09/03/2015, 10/01/2015, 10/29/2015, 11/26/2015" Please note that the Terms & Conditions were available as part of the application before the lease was agreed to, continue to be available in your online SmartPay account, and have been included as an attachment to this email for your convenience Lease payments for your lease are collected once monthly as a result of a choice that was selected in your SmartPay applicationAdditionally, as you now know because you have exercised this option already, lease payment dates can be adjusted up to days for your lease, if requested at least days before the collection date Please do not hesitate to contact us with any other questions or concerns Thank you,
Initial Business Response / [redacted] (1000, 5, 2014/11/11) */ Hi [redacted] , Thanks for contacting usWe apologize for the inconvenience and we are escalating your SmartLine account to be closed If you have more questions, contact us at [redacted] @smartpaylease.com, or call (XXX) XXX-XXXXOur call center is open Monday-Saturday 7am-7pm PST; Sunday 7am-5pm PST Thank you for your patience, and have a great day Best, Customer Support
Initial Business Response / [redacted] (1000, 5, 2015/05/08) */ Our records show that the customer was able to successfully pay off their lease before their BuyOut deadline, as requestedThis case can be considered solved