Initial Business Response /* (1000, 5, 2015/09/03) */
Hi ***,
We apologize for any confusion regarding this matterTo clarify, we are not currently reporting SmartPay lease performance to Consumer Reporting AgenciesWe reserve the right to do so in the future
You can cancel your
lease by returning the items to SmartPayHowever, we cannot refund you for the lease payments that you have made so farSmartPay is a separate company from the store where you applied for SmartPay
As stated in the Terms & Conditions you agreed to when you applied for SmartPay:
"TERMINATION: You may terminate this Agreement without penalty by voluntarily surrendering or returning the Property to us in good repair, reasonable wear and tear accepted, along with any past due rental payments, at any timeYou remain liable for rental payments until the Property is returned to us."
Your Terms & Conditions has always been available to you online at www.SmartPayLease.com/login(A copy is attached to this email.)
Attached to this email is the prepaid FedEx shipping label for you to return the items directly to SmartPay*If you are returning an iPhone, please make certain you have deactivated your service and turned off the Find my iPhone feature.*
After we receive items in the mail, we will send you an email to confirm that your lease purchase agreement has been cancelledThis usually takes 10-days to process once the items are shipped
If your phone was damaged, and you haven't purchased insurance from your carrier, you will be responsible for one of the following (the lesser amount):
**Fair market value** of the phone depending on its condition when received by SmartPay
Remaining Rent Owed
Note: **If you return your items to SmartPay, you will not be refunded any lease payments, as they are considered part of your SmartPay lease purchase plan.**
If you have more questions, please contact our Customer Support Team at ***@smartpaylease.com, or call XXX-XXX-XXXX
Thank you for your patience
Best,
SmartPay Customer Support Team
Initial Consumer Rebuttal /* (3000, 7, 2015/09/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Thisseems to be a generated response I see on every complaint ive readi feel like this company depends on misinformed people and getting anything they can before people catch on to whats happeningi seen a similar case where the customer was lied to about credit reporting practicesin my response you say you reserve the right, but you are not reporting at this time and of course put the blame on the storeyou also send the generated message about terms and conditionsnowhere in the terms and conditions does it say you dont report to creditalso the store owner filled out the credit application with me and my wifes info and told us what amount we were aproved forit wasnt untill after the transaction we seen the terms and conditionsat least you can have some empathy for someone that put good faith into your partnership with the store and expected something that was promised in exchange for the exceptionally high priced terms to have the credit reportedNow you are telling me in the email you apologize for any confusion regarding this matterevery response ive seen starts like that, and then states the options everyone hasplease have some empathy for people that trust in your services, and when they are mislead and lied to for the sake fo self gain instead of actually offering a good solution with a single positive be more acceptable of making it rightalot of people that use your services are low income or lower credit holding people trying to better their situation or just trying to obtain a phone
now if you care about you Revdex.com rating of how a customer has been deceived between your business and the storefrontinstead of blaming each otherjust implement a way that storefronts address the trems and conditions BEFORE they approve and sign contracts
at least I would have offered a partial refund of 50% since the fault could be equally on both our parts
The phones were safely repackaged and sent out days agoi hope we can come to a settlement on this matter for me and my wifes account and this case doesnt end up unresolved like every other case on here
Final Business Response /* (4000, 9, 2015/09/09) */
Hi ***,
We are sorry to hear that you are frustratedAs mentioned in our email yesterday, we did receive your items and have cancelled your leaseUnfortunately, we are still unable to refund you for the payments you have made so far, as they are considered lease payments
We will take the necessary measures to follow up with the store and prevent issues like this from happening againAgain, we apologize for any miscommunication regarding the information you received about credit reporting for your SmartPay Lease activity
Best,
SmartPay Customer Support Team
Initial Business Response /* (1000, 5, 2014/03/13) */
We were unable to locate an account in our system associated with this customer's information
If they provide the name, email address, phone number, or application number associated with their account, we'd be happy to look into
their case
In addition, their desired solution only said "For them to come up with some type," which we assume was cut off earlyIf the customer responds with a complete request, we would be better equipped to serve them
Initial Business Response /* (1000, 5, 2015/05/19) */
The following email was sent to the customer on 5/19/15:
Hi ***,
My name is *** and I am contacting you in response to your complaint with the Revdex.comIn reviewing your complaint, it seems as though there was
some confusion with regards to the terms of your lease
The lease you agreed to came with a days BuyOut Option that ended 05/06/2015, not a days same-as-cash optionThis means that if you were to make payments equivalent to the price of the phone including a 20% BuyOut fee before 05/06/2015, there would not more lease payments due on your lease
This information, and other information about your lease, is included in the Terms & Conditions associated with your lease (attached to this email) that was available before the lease was agreed to and continues to be available in your online SmartPay account at https://home.smartpaylease.com/login
If you feel that you were misinformed about the terms of your lease, we suggest that you return to the store where you agreed to the lease and speak to a store managerWe find that this is the most effective way to resolve issues like this
Please do not hesitate to contact us with any other questions or concerns
Thank you,
Initial Consumer Rebuttal /* (3000, 9, 2015/05/22) */
Good morning:
My name is *** ***, I currently have an open complaint against SmartpayI have a Balance with them of $I have made numerous attempts to make my payment of the remaining balanceIm honestly terrified to leave my debit card on file, with the fear that they would withdraw future unauthorized paymentsThere website is set up for payment of $that I never agreed toI don't want this to affect my credit historyThere representatives are rude and agrressive when you speak to themI would like to resolve this issue as soon as possible
Final Business Response /* (4000, 12, 2015/05/27) */
The customer seems to have directed one of their complaints relating to another company to ours (something to do with shipping boxes)In response to their other complaint, the customer is claiming that SmartPay is denying them a days same-as-cash option, which in fact was never part of their leaseThis was communicated to them in the Terms & Conditions associated with their lease as well as on several calls the customer made to our customer support centerAn excerpt from an email sent to the customer on this matter:
Additionally, our records indicate that on February 7th, you called our customer support center inquiring about return optionsThe notes from the call show that the day BuyOut option was discussed, as well as the deadline (5/6/15), as well as the 20% fee that comes with it
The next day, on February 8th, our records show that you called again to set up the BuyOut option and the notes show that it was communicated to you that the BuyOut needs to be requested manually before the deadline when you are ready to complete it and that it comes with a 20% fee
Final Consumer Response /* (4200, 16, 2015/06/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
the statesment made by the companies are falseI never agrred to any buy out because I would of never agreed I would of just paid for the phone in fullThe february 8th t call that was place you can clearly hear me inquiring about the same as cash optionyou can clearly hear the represantive explaining to me how to go about the same as cash optionIt was only up to the following month when the first payment was withdrawed from my accountwhere I placed the call to paid the balance in fullthat when all of the sudden t he buy out option was introducedIt was never mentioned on the day of the purchase or either on the call that was place
Initial Business Response /* (1000, 5, 2015/08/20) */
Dear ***,
I 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 have always been available
for your review on your customer dashboard, located smartpaylease.com/login(I've attached a copy of it to this email>)
As per your lease agreement, you agreed to make payments of $18.36, and at the end of the term, you would own the items listed below:
Samsung Galaxy Avant blue hard case*
Scheduled payments include rental fees and taxes, in addition to a portion of the retail price of the items
You should have received emails and text messages from us regarding your payments
When you called us on 08/29/2015, you had completed out of paymentsA Customer Support Agent reviewed your lease details with you over the phone, and at that point, you requested to process a BuyOut for the amount of $to complete your lease
By processing a BuyOut, you saved on total feesWith the BuyOut option, you paid a total of $(If you had remained on your original payment schedule until all payments were completed, you would have paid a total of $
Therefore, we are unable to refund you the amount requested
I apologize for any inconvenience this *** cause
Thank you very much for using SmartPay
Best,
***
SmartPay Customer Support Team
Initial Consumer Rebuttal /* (3000, 7, 2015/08/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
You have just confused me even moreYour company and Metropcs misrepresent your services and feesI was never told I was going to be paying double for a phone that cost $It is compleley insaneWhy did these payments continue after the 12th payment was made? I am now requesting you refund me $i overpayed you after you had already taken the 12th payment totaling $
Final Business Response /* (4000, 9, 2015/08/27) */
Hi ***,
You were actually on a 23-payment plan(We apologize for any confusion caused by the typo in our last reply.)
As per your lease agreement, you agreed to make payments of $Please review the Terms & Conditions you agreed to when you applied for SmartPay; it does reflect the payments
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,
Initial Business Response /* (1000, 5, 2015/04/15) */
Customer was sent the following email on 4/15/15:
Hi ***,
My name is *** and I am in charge of handling complaints filed with the Revdex.comI've had a chance to review your complaint and wanted to reach out to you
to clarify a couple of items
Although you cannot make custom payment amounts, you can make as many payments equalling to your regular monthly payments as you wantBy using these payments you can incrementally reach the early payment amount you wished to pay (example: making $payments to cover a $early payment that you might want to make)
Separately, the BuyOut option for your lease expires on XXXXXThis means that should you wish to pay your lease off early, you still have plenty of time to do so within the BuyOut period
Please do not hesitate to contact us with any other questions or concerns
Thank you,
Initial Consumer Rebuttal /* (3000, 7, 2015/04/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
the smartpay website would not allow me to change my payment method when I went to do that before my payment was dueI wanted to change the card that was going to be charged and it would not allow thatThere is no reason that my efforts to pay this off early should be so frowned upon
my point is when I went to put the down payment on my phone it said the total would be $nowhere did it say I would be charged more than $for a $phone
Final Business Response /* (4000, 9, 2015/04/17) */
The following email was sent to the customer on 4/15/15:
Hi ***,
With regards to the issues you are having with changing your payment method, I'd be happy to call you directly and help you do that from our end
Regarding your second claim about the price of the phone, the lease payments we charge are for use of the leased items over the length of the leaseYou can end the lease by making all payments over the next year (which, like you stated, would total $805.28) or you can exercise an early purchase option at any time, which would cost less in fees depending on when you did it (if this is done before 06/17/the fee would be an additional 20% for a total of $644.84)
All of this information was summarized in the checkout page of the StraightTalk website (as well as in the Terms & Conditions), before you agreed to the leaseThis information is also available in your online SmartPay account at https://home.smartpaylease.com/loginWe designed the summary to be as clear and informative as possible and feel that in combination with the Terms & Conditions document, fully describes the terms of the leaseIf you feel that it is misleading, we are happy to accept any feedback you may have
Please do not hesitate to contact us with any other questions or concerns
Thank you,
SmartPay Customer Support Team
Initial Business Response /* (1000, 5, 2015/11/05) */
Hi ***,
We apologize for any confusion about the terms of your SmartPay LeaseIf you wish to cancel your lease, you can do so by returning the items to *Straight Talk* within days of receiving the items
https://www.straighttalksmartpay.com/help.php?section=contactus&mode=update
After days, you will need to return your items to *SmartPay*We have provided more information about that below
We are sorry to hear that you did not receive your items soonerPlease note that SmartPay is a separate order from Straight Talk, a partner companyStraight Talk is in charge of the shipping of the itemsWhat may have happened is that your items were backordered, and so your lease changed to an "expired" statusHowever, as soon as the items were shipped out, your lease was reactivatedWe apologize for any confusion about this
If you received an email stating that you were participating in a lease-to-own program, it was sent in error(This option is not available in your state.) For more information about your SmartPay Lease, please review the Terms & Conditions you agreed to when you applied for SmartPay (attached)
SmartPay is a lease payment plan that lets you get devices and other items, and pay for them over timeThe length of the lease payment plan is initially for 12-months
When approved, you make an initial upfront payment at the time of application and then fixed payments either once a month or every other week* for months
Our system automatically collects your payment on your scheduled due dates from your "Primary" payment method on file
*Depends on the individual offer
At the end of your 12-month lease term, you have options:
* Return the items
* Renew the lease (with lower payments)
* Upgrade your items (take out a new lease)
To find a copy of your Terms & Conditions, log in to your SmartPay account at SmartPayLease.com/login
If you choose to cancel your lease early by returning the items to SmartPay, please note the following:
You will be charged a termination fee, which is 50% of the purchase price of your leased items
If you return your leased items to SmartPay you do not get a refund for any prior lease payments
*Again, if you wish to cancel your lease without the termination fee, we suggest contacting Straight Talk in order to return the items to themAfter days, you will need to return the items to SmartPay, and the termination fee will apply (per the terms of your lease agreement).*
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
Thanks again, and have a great day
Best,
SmartPay Customer Support Team
Initial Consumer Rebuttal /* (3000, 7, 2015/11/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I contacted Straightt talk to return the phone as suggested by SmartPay and was told that I had to go through SmartPayI called SmartPay back and was told they could not help me with the return unless I wanted to pay an early termination fee of $I did not order the phone and have several E-mails explaining and apologizing for the errors made by SmartPayI only want to return the phone and not have to deal with SmartPay in any way shape or formI did not approve this lease and have explained it many times
Final Business Response /* (4000, 9, 2015/11/12) */
Hi ***,
We are willing to make an exception and waive your early termination fee of $if the items are received by SmartPay in perfect condition within the next *business days*
Attached to this email is the prepaid FedEx shipping label for you to return the items directly to SmartPay
After we receive the items in the mail, we will send you an email to confirm that your lease purchase agreement has been cancelled
If your phone was damaged, and you haven't purchased insurance from your carrier, you will be responsible for the fair market value of the phone depending on its condition when received by SmartPay
Note: If you return your items to SmartPay, you will not be refunded any lease payments
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 /* (1000, 5, 2015/08/19) */
Hi ***,
We are contacting you regarding the Revdex.com complaint you filedWe are sorry to hear that this was a frustrating situation for you
Our system shows that you were leasing the following items:
*DM SAMSUNG GSBLUE
DM
BYOD SIM TRIPLE CUT*
You mentioned that you did not actually receive these itemsOur system shows that an in-store (RadioShack) return was processed for only of these items (DM SAMSUNG GSBLUE) on 11/10/As a result, you were refunded a portion of your upfront payment, and your future lease payment amounts were adjusted accordingly
SmartPay is a lease-to-purchase program that spreads the cost of your smartphone and other items over multiple payments(Your total number of payments depends on your lease term and approval amount.) At the end of your lease term, you own the items**Scheduled payments include rental fees and taxes, in addition to a portion of the retail price of the items.**
We are separate company from RadioShack, our partner companyIn-store returns are usually handled by the storeUsually, we
require a return receipt and confirmation from the store regarding the return in order to research any discrepancies in your SmartPay account
In this case, we were willing to make an exception and process a return for the item, as well as refund the payments you made
The return is being processed in our system, and will be reflected in your SmartPay accountYour remaining scheduled payments have already been voided
Refund Amount: $
You should receive the funds in your bank account within *5-business days*
If you have more questions, contact us at ***@smartpaylease.com or call (XXX) XXX-XXXXOur call center is open Monday-Saturday 7am-7pm PST; Sunday 7am-5pm PST
We apologize for any inconvenience caused by this issue, and appreciate your patience as we researched your case and took steps toward a resolution
Best,
Initial Business Response /* (1000, 5, 2014/04/30) */
On 4/30/14, the following email was sent to the customer:
Hi ***,
My name is *** 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
Per the Terms & Conditions that were agreed to when you signed up for SmartPay, your lease is for monthly payments with the option to pay off early at any time (without any fees beyond the in-store cost of the leased items, if paid off within days - "days same as cash")
Our records show that on March 13, 2014, you emailed to inquire about a payment and you were responded to on the same day explaining how days same-as-cash works and when the last day to exercise it is (a copy of this full email is at the end of this email), as well as a copy of your Terms & Conditions:
"Your Early Payoff Amount is: $
Your same-as-cash period ends on: 04/02/
To authorize your Early Payoff request, please contact our Customer Support Team or follow the steps below
To process an Early Payoff:
Go to home.billfloat.com
Enter your email address and password
Click the purple "Make Payment" button at the bottom of the page
A window will pop upSelect "Early Payoff Amount."
Check to see that the correct debit card is selected from the drop-down list
Click "Make Payment"
Please feel free to respond with any questions or concerns
Thank you,
***
***
EMAIL RESPONSE FROM SMARTPAY CUSTOMER SUPPORT ON MARCH 13, 2014:
Hi ***
Thanks for contacting SmartPay Customer Support
You can save on total fees when you request an Early Payoff
Here's how it works:
An Early Payoff made within the "same-as-cash" period means that you will pay only for the retail price of the phone (as if you had paid for the phone in cash at the store)Monthly payments already made are applied to this retail price
Customers on a 6-payment plan have a days same-as-cash period
Customers on a 10-payment plan have a days same-as-cash period
If your "same-as-cash" Early Payoff period has already passed, you can still save on the total fees by paying off earlier than the term of your leaseSince your monthly payment includes rental fees and taxes in addition to a portion of the rental price each month, an Early Payoff allows you to save on these fees for future months
An Early Payoff, including the day and day same-as-cash option, is NOT automaticIf you don't request an Early Payoff, you will remain on your original payment schedule
An Early Payoff must be requested (at least hours before your next due date), and it is processed as a single transactionIf a payment is already in progress, you will not be able to process an Early Payoff until the payment is completed
Also, if you have any overdue payments, you will need to make those payments before processing your Early Payoff
Your Early Payoff Amount is: $
Your same-as-cash period ends on: 04/02/
To authorize your Early Payoff request, please contact our Customer Support Team or follow the steps below
To process an Early Payoff:
Go to home.billfloat.com
Enter your email address and password
Click the purple "Make Payment" button at the bottom of the page
A window will pop upSelect "Early Payoff Amount."
Check to see that the correct debit card is selected from the drop-down list
Click "Make Payment"
Once finalized, an Early Payoff request can't be cancelled
If you decide not to process your Early Payoff, please note that you are on a 10-month payment plan and have payments left
Payments are collected approximately every weeks, based on the pay date that you indicated during the application process
Your monthly payment includes rental fees and taxes, in addition to a portion of the retail price of the phoneFor further details, please review the Terms & Conditions you signed when you applied for SmartPay
Here are the due dates for your remaining scheduled payments:
03/27/$scheduled
04/24/$scheduled
05/22/$scheduled
06/19/$scheduled
07/17/$scheduled
08/14/$scheduled
09/11/$scheduled
You can also access your payment schedule by logging into your SmartPay account:
Go to home.billfloat.com
Enter your email address and password
Click on the "Show Payment Schedule" button
Your due dates are also listed in your Terms & Conditions (see attached copy)
If you have more questions, contact us at ***@billfloat.com, or call (XXX) XXX-XXXX
Thanks for your patience, and have a great day
Best,
Customer Support Team
Initial Consumer Rebuttal /* (3000, 7, 2014/05/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Hi as I stated on my complaint.I didn't agree to those terms or wasnt properly informed I would of paid the full amount the day I made the purchaseI was told one amount and that's what I have on the receipt I was given other then that I wasnt given anything else if u view the calls ive made I called several times and was given several different stories in march I paid payments because I was under the impression that I was done I have great credit and find it stupid that I would pay so much $ for no reasonI apologize if it sounds rude but im frustrated because I have been trying to fix this and just get different stories and balancesThe phones work very bad after the first month of having them I understand has.nothing to do with your dept/company but I left sprint to try to save $$$ and yet im being charged almost $and I have early term fees I'm still paying off
HONESTLY ALL I AM SEEKING IS FOR THE ACCOUNT TO BE CLOSED AND IN GOOD STANDING
Final Business Response /* (4000, 9, 2014/05/12) */
We have followed up with this customer and resolved their issue over email
Initial Business Response /* (1000, 5, 2015/05/06) */
We have no customer with this information in our system, although a customer with similar information existsFor security reasons, we can only address the complaint if it is emailed from the account on fileOnce we receive the complaint
from the email on file we can address the complaint and provide information
Initial Consumer Rebuttal /* (3000, 7, 2015/05/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They've been uncooperative and have not conducted themselves in the manner I feel a BB shouldThe matter is resolved due to the other company involved BUT this company has not been helpful nor has it tried to helpI am not satisfied with this company or its practices
Final Business Response /* (4000, 9, 2015/05/19) */
We have provided the customer with direction to contact the storeFrom our experience, when we contact the store to attempt to resolve issues like this, the resolution only comes when the customer discusses the issue with the store manager directly
Final Consumer Response /* (4200, 13, 2015/05/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The matter is closed(I GUESS) but ONLY BY METRO PCS, NOT SmartpayTHIS COMPANY TRICKS OR ALLOWS THEIR AFFILIATE COMPANIES TO DECEIVE CUSTOMERS AND DOESN'T OFFER ANY HELP OTHER THAN "IM SORRY YOU ARE OUT OF LUCK UNLESS THE OTHER GUY HELPS YOU." I HOPE THERE IS A CLASS ACTION LAWSUIT SOMEDAYI WOULD TESTIFY FOR PLAINTIFF REGARDING THIS COMPANIES BEHAVIOR AND THEIR ATTEMPTS AT DODGING THE ISSUE AND PASSING *** BUCK TO METRO PCSTO B FAIR METRO DID REFUND SOME OF THE MONEY BUT IN A DIFFERENT AMOUNT THAN I WAS ORIGINALLY TOLD IN A MESSAGETHE ISSUE HERE ISNT ONLY MY MONEY.IT IS THE FACT THAT COMPANIES SUCH AS THIS DECEIVE OR ALLOW INNOCENT PEOPLE TO BE DECEIVED BY COMPANIES ACTING ON THEIR BEHALF AND GET AWAY WITH IT.THIS IS UNACCEPTABLE AND IM NOT HAPPY WITH THIS COMPANY AT ALL
Initial Business Response /* (1000, 5, 2016/03/18) */ Hi ***, Thanks for contacting usPayments are collected based on the pay date and frequency that you indicated during the application processYour scheduled payment includes rental fees and taxes, in addition to a portion of the retail
price of the phoneFor further details, please review the Terms & Conditions you signed when you applied for SmartPayHere are the due dates for your remaining scheduled payments: Payments Remaining (scheduled on pay date) This is a fixed Payment Lease-to-own PlanDate Amount Progress 03/25/$scheduled 04/22/$scheduled 05/20/$scheduled 06/17/$scheduled 07/15/$scheduled If you would like to change your payment date, please contact us at XXX-XXX-XXXXSomeone is available to assist you with this Monday - Saturday from 7am - 7pm Pacific Time and on Sunday from 7am- pmPlease be advised, you can only change your due date once per payment cycle and you must make the change no later than days before the payment is dueIn addition, you can only move your payment by days if you pay once a month or by days if you pay twice monthlyOur system does not allow us to change multiple due dates at onceWe apologize for any inconvenience this may causeYou can also access your payment schedule by logging into your SmartPay account: Go to www.***/loginEnter your email address and passwordClick on the "Show Payment Schedule" buttonYour due dates are also listed in your Terms & ConditionsThank you very much and if you would like to view the details of your SmartPay Lease, you may do so by logging in at ***/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 ***/help for more information or you may contact us at XXX-XXX-XXXXBest, SmartPay Customer Support Team Initial Consumer Rebuttal /* (3000, 7, 2016/03/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) I am on a set fixed incomeAll of the companies I deal with on payment dates set payments on a set date which makes it easy to plan my budgetAs it stands now, I have to make payments in the month of March to keep from violating this contractI will NOT use this company again!! They set you up for failureI do not understand why this company can't work with the customer to set monthly payments due on a set date each monthFinal Business Response /* (4000, 9, 2016/03/29) */ Hi ***, As mentioned before, if you would like to change your payment date, please contact us at XXX-XXX-XXXXSomeone is available to assist you with this Monday - Saturday from 7am - 7pm Pacific Time and on Sunday from 7am- pmPlease be advised, you can only change your due date once per payment cycle and you must make the change no later than days before the payment is dueIn addition, you can only move your payment by days if you pay once a month or by days if you pay twice monthlyThank you very much and if you would like to view the details of your SmartPay Lease, you may do so by logging in at ***/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 ***/help for more information or you may contact us at XXX-XXX-XXXXBest, SmartPay Customer Support Team Final Consumer Response /* (4200, 13, 2016/04/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) I would think they would be more flexibleA company that is not very flexible will lose businessI will never use SmartPay again and I will advise anyone to not use SmartPay
Initial Business Response /* (1000, 5, *** */
Customer was responded to via email on 6/3/
Initial Consumer Rebuttal /* (3000, 7, 2015/06/09) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept because the person that
responded to the complaint only addressed the payment portion of my complaint and telling me to make payments to continue pay as schedule or payoff and is now sending me the terms and services "because before I did not know nothing about there terms and services".....the person did not address where I said that I was getting the round around by there customer service representatives or the fact that I am dissatisfied with there services and unprofessional-ism No apology or nothing Just came at me about payments
Final Business Response /* (4000, 9, 2015/06/22) */
The following email was sent to the customer on 6/22/15:
Hi ***,
I apologize if the information provided by the customer support agents you spoke to was confusing
Our records show that on May 8th, you spoke to an agent in our customer support centerThe notes from this interaction show that the agent offered you the option to make an advance payment on your lease and that you refused this offer
In regards to your question about the details of your lease, as I mentioned in my previous email, SmartPay is a lease not a loanWith a loan, you are given actual funds that you can spend on what you'd like and you repay that amount with interestWith a lease like SmartPay, you are approved for a leaseThis means that you can use the funds you are approved for to select certain items to leaseIn your case you were approved for redacted for privacy which you used to select a redacted for privacyThis item was purchased by SmartPay from the store and leased to youThe payments you are making to SmartPay are lease payments which, if made in full, culminate in you owning the leased itemsIn total, the lease payments amount to more than the in-store price of the phone, however a free day BuyOut option (ability to pay for the items at their in-store price) was also available
The screenshots I provided explain why the payments we collected were done so on certain datesIf you need any more clarification, please let me know and I'd be happy to explain any parts that are unclear
Thank you,
SmartPay Customer Support Team
Horrible company! I purchased an IPhone 6s through Smartpay The phone does not work They have taken a total of $off of me but they told me they can't replace the phone or refund me Luckily Apple is going to take care of this issue Hopefully!
Initial Business Response /* (1000, 5, 2015/10/13) */
Dear Ms***,
Thank you for contacting SmartPay supportI want to apologize for any confusion regarding your month SmartPay lease to own programFor your reference, I have attached a copy of your Lease Terms and 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 payment of $75.04, and more payments of $98.44, and at the end of the term, you would own the items listed below:
*stylo
case*
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
10/02/$overdue
10/30/$scheduled
11/27/$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 $198.49, including your overdue amount of $
**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 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,
***
Initial Business Response /* (1000, 5, 2014/12/16) */
Hi ***,
Thanks for contacting usAttached are the Terms and Conditions for your lease agreement that you requestedIf you have more questions, contact us at ***@smartpaylease.com, or call (XXX) XXX-XXXXOur call center is
open Monday-Saturday 7am-7pm PST; Sunday 7am-5pm PST
Thank you for your patience, and have a great day
Best,
SmartPay Customer Support
This company is a total rip offThey claim your lease is paid off but continue to take money out of your accountI paid almost 200dollars for a fifty dollar phone
Initial Business Response /* (1000, 5, 2015/08/14) */
Dear Mr***,
Thank you for contacting SmartPay supportI want to apologize for any confusion regarding your SmartPay LeaseDue to state regulations, we are unable to offer residents of *** a lease to own programThis
information, as well as the terms of your SmartPay lease are explained in detail in your lease Terms and Conditions and on the screen when you applied and accepted the terms onlineFor 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 an initial payment on August 7, for $and advance rental payments of $for the next month you posses the items you leased from SmartPayAs part of your lease agreement, if you return the items prior to June 10, 2016, this lease is subject to an Early Termination Fee equivalent to fifty percent (50%) of the cost of the leased equipmentAfter the first nine months of the Initial Term, you may terminate this Agreement and cease incurring further rental charges by returning the Property to us, however you will remain liable for rental charges incurred prior to returning the Property to us
Below is a list of the items SmartPay leased to you:
*Samsung Galaxy SEdge 4G LTE*
As of today, you have made lease paymentsIf you would like to terminate your lease early, you may do so by returning the items and paying an Early Termination Fee of $We have enclosed a return label for your connivence
If you do not wish to terminate your lease, you may keep the items, and continue paying rentIn months, your early termination fee will no longer apply, and at that time, you may return the leased items at no additional expensePlease note, this is not a lease-to-own agreement, as per the Terms and Conditions you agreed to online while completing the SmartPay application
Thank you again, and I hope this information is helpful
Best,
***
SmartPay Customer Support Team
Initial Business Response /* (1000, 5, 2014/03/14) */
On 3/14/14, an email was sent to the customer at their *** email address, addressing their concern
Initial Business Response /* (1000, 5, 2015/11/09) */
Hi ***,
I want to apologize for any confusion regarding your 24-payment 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 $(except for your upfront amount of $115.89), and at the end of the term, you would own the items listed below:
galaxy s
case
screen protector
car charger
dual
As of today, you have made of your paymentsBelow, please find a list of your remaining payments and their due dates
Payments Remaining (scheduled on pay date)
This is a fixed Payment Lease-to-own Plan
Date Amount Progress
11/13/$scheduled
11/27/$scheduled
12/11/$scheduled
12/25/$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
05/27/$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 $
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
To process a Buy Out:
Go to www.smartpaylease.com/login
Enter your email address and password
Click the purple "Make Payment" button at the bottom of the page
A window will pop upSelect "Pay the full Amount."
Check to see that the correct debit card is selected from the drop-down list
Click "Make Payment"
If you need assistance, please contact our Customer Support Team at XXX-XXX-XXXXWe can help you process a Buy Out over the phone
Once finalized, a Buy Out request can't be cancelled
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 11/27/2015, the items must be received by 11/25/
Thank you again, and I hope this information is helpful
Best,
***
SmartPay Customer Support Team
Initial Consumer Rebuttal /* (3000, 7, 2015/11/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept their response because I was lied to at the time of the salepayments of does not equal the original amount of the itemsit doesn't even come closeas I stated in my original complaint the sales person stated that I would be done with my payments by the end of December /beginning of JanuaryNo mention whatsoever was of a rental feeWhat kind of rental fee at the end of the payment equals to almost a whole other phoneI will give the business one more chance to honor what the salesperson told me and I will pay the original amount of the phone and itemsas of right now I have paid a total of if I have to pay any more than the amount of the phone, charger, case, and screen protector put together I will be seeking legal counsel and going to my local media station which will be ABC News and contacting *** ***
Final Business Response /* (4000, 9, 2015/11/12) */
HI ***,
We are sorry for any confusion about your lease termsHowever, our records show that on July 14th, one of our agents reviewed the details of your SmartPay Lease (including your total number of scheduled lease payments) with you over the phoneAdditionally, information about your lease has always been available to you online at www.SmartPayLease.com/login
You can *save on total fees* when you process an Early PayoffSince 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 an Early Payoff at any point during the lease term, unless there is already a payment in progress(A Buy Out should be requested at least hours before your next due date to ensure that it is processed correctly.)
Please note:
* An Early Payoff is processed as a single transaction, and requested at the time that you are ready to make the payment
* An Early Payoff is NOT automatic
* If you don't request an Early Payoff, you will remain on your original payment plan
* As of today, your Early Payoff Amount is: $(The specific amount depends on when you process it.)
To process an Early Payoff:
Go to www.smartpaylease.com/login
Enter your email address and password
Click the purple "Make Payment" button at the bottom of the page
A window will pop upSelect "Pay the full Amount."
Check to see that the correct debit card is selected from the drop-down list
Click "Make Payment"
If you need assistance, please contact our Customer Support Team at XXX-XXX-XXXXWe can help you process a Buy Out over the phone
Once finalized, an Early Payoff request can't be cancelled
Again, if you wish to cancel your lease, you can do so by returning the items to us
Thank you very much and if 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
Final Consumer Response /* (4200, 11, 2015/11/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I want a recording of that phone call because the only time the full terms of the entire contract was went over with me was when I called in last monthother than that I was only told that I was paying a month until the bill which was only around dollars was paid in fullAt no time was it mention that it was payments or that there was an outrageous rental feeI have explained what I wanted to happenI was not confused by anythingI was misinformed and lied towhen I first made my complaint I cintact ed your company and spoke with a gentleman who wouldn't not give any payment information over the phone which I found oddhe said that he would email and mail that information to meI have not received said information at allI am contacting my local news outlet today about thisI have already sought legal counsel and if a penny more of the original amount of the phone and accessories is taken out of my account I will have to seek further legal actionI have been lied to and I am considering this fraudNowhere else is there a rental fee that will cost the same amount of the items you purchased once you are done paying for itthat's all I will say about this matter until I need to again which I hope will not have to proceed with any legal action
This company is horrible, a bunch of scam artists After realized they were trying to dupe me out of for a $phone, I immediately canceled But it was too late, they already charged my card $for the first of payments I am stil trying to get that first payment back, and all I can get are dead end automated email responses and the run around on the phone Also, corporate DOES NOT HAVE A PHONE NUMBER only an email DO NOT do business with these scammers, they need to be shut down
Initial Business Response /* (1000, 5, 2015/09/03) */
Hi ***,
We apologize for any confusion regarding this matterTo clarify, we are not currently reporting SmartPay lease performance to Consumer Reporting AgenciesWe reserve the right to do so in the future
You can cancel your
lease by returning the items to SmartPayHowever, we cannot refund you for the lease payments that you have made so farSmartPay is a separate company from the store where you applied for SmartPay
As stated in the Terms & Conditions you agreed to when you applied for SmartPay:
"TERMINATION: You may terminate this Agreement without penalty by voluntarily surrendering or returning the Property to us in good repair, reasonable wear and tear accepted, along with any past due rental payments, at any timeYou remain liable for rental payments until the Property is returned to us."
Your Terms & Conditions has always been available to you online at www.SmartPayLease.com/login(A copy is attached to this email.)
Attached to this email is the prepaid FedEx shipping label for you to return the items directly to SmartPay*If you are returning an iPhone, please make certain you have deactivated your service and turned off the Find my iPhone feature.*
After we receive items in the mail, we will send you an email to confirm that your lease purchase agreement has been cancelledThis usually takes 10-days to process once the items are shipped
If your phone was damaged, and you haven't purchased insurance from your carrier, you will be responsible for one of the following (the lesser amount):
**Fair market value** of the phone depending on its condition when received by SmartPay
Remaining Rent Owed
Note: **If you return your items to SmartPay, you will not be refunded any lease payments, as they are considered part of your SmartPay lease purchase plan.**
If you have more questions, please contact our Customer Support Team at ***@smartpaylease.com, or call XXX-XXX-XXXX
Thank you for your patience
Best,
SmartPay Customer Support Team
Initial Consumer Rebuttal /* (3000, 7, 2015/09/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Thisseems to be a generated response I see on every complaint ive readi feel like this company depends on misinformed people and getting anything they can before people catch on to whats happeningi seen a similar case where the customer was lied to about credit reporting practicesin my response you say you reserve the right, but you are not reporting at this time and of course put the blame on the storeyou also send the generated message about terms and conditionsnowhere in the terms and conditions does it say you dont report to creditalso the store owner filled out the credit application with me and my wifes info and told us what amount we were aproved forit wasnt untill after the transaction we seen the terms and conditionsat least you can have some empathy for someone that put good faith into your partnership with the store and expected something that was promised in exchange for the exceptionally high priced terms to have the credit reportedNow you are telling me in the email you apologize for any confusion regarding this matterevery response ive seen starts like that, and then states the options everyone hasplease have some empathy for people that trust in your services, and when they are mislead and lied to for the sake fo self gain instead of actually offering a good solution with a single positive be more acceptable of making it rightalot of people that use your services are low income or lower credit holding people trying to better their situation or just trying to obtain a phone
now if you care about you Revdex.com rating of how a customer has been deceived between your business and the storefrontinstead of blaming each otherjust implement a way that storefronts address the trems and conditions BEFORE they approve and sign contracts
at least I would have offered a partial refund of 50% since the fault could be equally on both our parts
The phones were safely repackaged and sent out days agoi hope we can come to a settlement on this matter for me and my wifes account and this case doesnt end up unresolved like every other case on here
Final Business Response /* (4000, 9, 2015/09/09) */
Hi ***,
We are sorry to hear that you are frustratedAs mentioned in our email yesterday, we did receive your items and have cancelled your leaseUnfortunately, we are still unable to refund you for the payments you have made so far, as they are considered lease payments
We will take the necessary measures to follow up with the store and prevent issues like this from happening againAgain, we apologize for any miscommunication regarding the information you received about credit reporting for your SmartPay Lease activity
Best,
SmartPay Customer Support Team
Initial Business Response /* (1000, 5, 2014/03/13) */
We were unable to locate an account in our system associated with this customer's information
If they provide the name, email address, phone number, or application number associated with their account, we'd be happy to look into
their case
In addition, their desired solution only said "For them to come up with some type," which we assume was cut off earlyIf the customer responds with a complete request, we would be better equipped to serve them
Initial Business Response /* (1000, 5, 2015/05/19) */
The following email was sent to the customer on 5/19/15:
Hi ***,
My name is *** and I am contacting you in response to your complaint with the Revdex.comIn reviewing your complaint, it seems as though there was
some confusion with regards to the terms of your lease
The lease you agreed to came with a days BuyOut Option that ended 05/06/2015, not a days same-as-cash optionThis means that if you were to make payments equivalent to the price of the phone including a 20% BuyOut fee before 05/06/2015, there would not more lease payments due on your lease
This information, and other information about your lease, is included in the Terms & Conditions associated with your lease (attached to this email) that was available before the lease was agreed to and continues to be available in your online SmartPay account at https://home.smartpaylease.com/login
If you feel that you were misinformed about the terms of your lease, we suggest that you return to the store where you agreed to the lease and speak to a store managerWe find that this is the most effective way to resolve issues like this
Please do not hesitate to contact us with any other questions or concerns
Thank you,
Initial Consumer Rebuttal /* (3000, 9, 2015/05/22) */
Good morning:
My name is *** ***, I currently have an open complaint against SmartpayI have a Balance with them of $I have made numerous attempts to make my payment of the remaining balanceIm honestly terrified to leave my debit card on file, with the fear that they would withdraw future unauthorized paymentsThere website is set up for payment of $that I never agreed toI don't want this to affect my credit historyThere representatives are rude and agrressive when you speak to themI would like to resolve this issue as soon as possible
Final Business Response /* (4000, 12, 2015/05/27) */
The customer seems to have directed one of their complaints relating to another company to ours (something to do with shipping boxes)In response to their other complaint, the customer is claiming that SmartPay is denying them a days same-as-cash option, which in fact was never part of their leaseThis was communicated to them in the Terms & Conditions associated with their lease as well as on several calls the customer made to our customer support centerAn excerpt from an email sent to the customer on this matter:
Additionally, our records indicate that on February 7th, you called our customer support center inquiring about return optionsThe notes from the call show that the day BuyOut option was discussed, as well as the deadline (5/6/15), as well as the 20% fee that comes with it
The next day, on February 8th, our records show that you called again to set up the BuyOut option and the notes show that it was communicated to you that the BuyOut needs to be requested manually before the deadline when you are ready to complete it and that it comes with a 20% fee
Final Consumer Response /* (4200, 16, 2015/06/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
the statesment made by the companies are falseI never agrred to any buy out because I would of never agreed I would of just paid for the phone in fullThe february 8th t call that was place you can clearly hear me inquiring about the same as cash optionyou can clearly hear the represantive explaining to me how to go about the same as cash optionIt was only up to the following month when the first payment was withdrawed from my accountwhere I placed the call to paid the balance in fullthat when all of the sudden t he buy out option was introducedIt was never mentioned on the day of the purchase or either on the call that was place
Initial Business Response /* (1000, 5, 2015/08/20) */
Dear ***,
I 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 have always been available
for your review on your customer dashboard, located smartpaylease.com/login(I've attached a copy of it to this email>)
As per your lease agreement, you agreed to make payments of $18.36, and at the end of the term, you would own the items listed below:
Samsung Galaxy Avant blue hard case*
Scheduled payments include rental fees and taxes, in addition to a portion of the retail price of the items
You should have received emails and text messages from us regarding your payments
When you called us on 08/29/2015, you had completed out of paymentsA Customer Support Agent reviewed your lease details with you over the phone, and at that point, you requested to process a BuyOut for the amount of $to complete your lease
By processing a BuyOut, you saved on total feesWith the BuyOut option, you paid a total of $(If you had remained on your original payment schedule until all payments were completed, you would have paid a total of $
Therefore, we are unable to refund you the amount requested
I apologize for any inconvenience this *** cause
Thank you very much for using SmartPay
Best,
***
SmartPay Customer Support Team
Initial Consumer Rebuttal /* (3000, 7, 2015/08/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
You have just confused me even moreYour company and Metropcs misrepresent your services and feesI was never told I was going to be paying double for a phone that cost $It is compleley insaneWhy did these payments continue after the 12th payment was made? I am now requesting you refund me $i overpayed you after you had already taken the 12th payment totaling $
Final Business Response /* (4000, 9, 2015/08/27) */
Hi ***,
You were actually on a 23-payment plan(We apologize for any confusion caused by the typo in our last reply.)
As per your lease agreement, you agreed to make payments of $Please review the Terms & Conditions you agreed to when you applied for SmartPay; it does reflect the payments
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,
Initial Business Response /* (1000, 5, 2015/04/15) */
Customer was sent the following email on 4/15/15:
Hi ***,
My name is *** and I am in charge of handling complaints filed with the Revdex.comI've had a chance to review your complaint and wanted to reach out to you
to clarify a couple of items
Although you cannot make custom payment amounts, you can make as many payments equalling to your regular monthly payments as you wantBy using these payments you can incrementally reach the early payment amount you wished to pay (example: making $payments to cover a $early payment that you might want to make)
Separately, the BuyOut option for your lease expires on XXXXXThis means that should you wish to pay your lease off early, you still have plenty of time to do so within the BuyOut period
Please do not hesitate to contact us with any other questions or concerns
Thank you,
Initial Consumer Rebuttal /* (3000, 7, 2015/04/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
the smartpay website would not allow me to change my payment method when I went to do that before my payment was dueI wanted to change the card that was going to be charged and it would not allow thatThere is no reason that my efforts to pay this off early should be so frowned upon
my point is when I went to put the down payment on my phone it said the total would be $nowhere did it say I would be charged more than $for a $phone
Final Business Response /* (4000, 9, 2015/04/17) */
The following email was sent to the customer on 4/15/15:
Hi ***,
With regards to the issues you are having with changing your payment method, I'd be happy to call you directly and help you do that from our end
Regarding your second claim about the price of the phone, the lease payments we charge are for use of the leased items over the length of the leaseYou can end the lease by making all payments over the next year (which, like you stated, would total $805.28) or you can exercise an early purchase option at any time, which would cost less in fees depending on when you did it (if this is done before 06/17/the fee would be an additional 20% for a total of $644.84)
All of this information was summarized in the checkout page of the StraightTalk website (as well as in the Terms & Conditions), before you agreed to the leaseThis information is also available in your online SmartPay account at https://home.smartpaylease.com/loginWe designed the summary to be as clear and informative as possible and feel that in combination with the Terms & Conditions document, fully describes the terms of the leaseIf you feel that it is misleading, we are happy to accept any feedback you may have
Please do not hesitate to contact us with any other questions or concerns
Thank you,
SmartPay Customer Support Team
Initial Business Response /* (1000, 5, 2015/11/05) */
Hi ***,
We apologize for any confusion about the terms of your SmartPay LeaseIf you wish to cancel your lease, you can do so by returning the items to *Straight Talk* within days of receiving the items
https://www.straighttalksmartpay.com/help.php?section=contactus&mode=update
After days, you will need to return your items to *SmartPay*We have provided more information about that below
We are sorry to hear that you did not receive your items soonerPlease note that SmartPay is a separate order from Straight Talk, a partner companyStraight Talk is in charge of the shipping of the itemsWhat may have happened is that your items were backordered, and so your lease changed to an "expired" statusHowever, as soon as the items were shipped out, your lease was reactivatedWe apologize for any confusion about this
If you received an email stating that you were participating in a lease-to-own program, it was sent in error(This option is not available in your state.) For more information about your SmartPay Lease, please review the Terms & Conditions you agreed to when you applied for SmartPay (attached)
SmartPay is a lease payment plan that lets you get devices and other items, and pay for them over timeThe length of the lease payment plan is initially for 12-months
When approved, you make an initial upfront payment at the time of application and then fixed payments either once a month or every other week* for months
Our system automatically collects your payment on your scheduled due dates from your "Primary" payment method on file
*Depends on the individual offer
At the end of your 12-month lease term, you have options:
* Return the items
* Renew the lease (with lower payments)
* Upgrade your items (take out a new lease)
To find a copy of your Terms & Conditions, log in to your SmartPay account at SmartPayLease.com/login
If you choose to cancel your lease early by returning the items to SmartPay, please note the following:
You will be charged a termination fee, which is 50% of the purchase price of your leased items
If you return your leased items to SmartPay you do not get a refund for any prior lease payments
*Again, if you wish to cancel your lease without the termination fee, we suggest contacting Straight Talk in order to return the items to themAfter days, you will need to return the items to SmartPay, and the termination fee will apply (per the terms of your lease agreement).*
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
Thanks again, and have a great day
Best,
SmartPay Customer Support Team
Initial Consumer Rebuttal /* (3000, 7, 2015/11/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I contacted Straightt talk to return the phone as suggested by SmartPay and was told that I had to go through SmartPayI called SmartPay back and was told they could not help me with the return unless I wanted to pay an early termination fee of $I did not order the phone and have several E-mails explaining and apologizing for the errors made by SmartPayI only want to return the phone and not have to deal with SmartPay in any way shape or formI did not approve this lease and have explained it many times
Final Business Response /* (4000, 9, 2015/11/12) */
Hi ***,
We are willing to make an exception and waive your early termination fee of $if the items are received by SmartPay in perfect condition within the next *business days*
Attached to this email is the prepaid FedEx shipping label for you to return the items directly to SmartPay
After we receive the items in the mail, we will send you an email to confirm that your lease purchase agreement has been cancelled
If your phone was damaged, and you haven't purchased insurance from your carrier, you will be responsible for the fair market value of the phone depending on its condition when received by SmartPay
Note: If you return your items to SmartPay, you will not be refunded any lease payments
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 /* (1000, 5, 2014/03/05) */
Our system shows that the customer was able to complete their payment as requested
Initial Business Response /* (1000, 5, 2015/08/19) */
Hi ***,
We are contacting you regarding the Revdex.com complaint you filedWe are sorry to hear that this was a frustrating situation for you
Our system shows that you were leasing the following items:
*DM SAMSUNG GSBLUE
DM
BYOD SIM TRIPLE CUT*
You mentioned that you did not actually receive these itemsOur system shows that an in-store (RadioShack) return was processed for only of these items (DM SAMSUNG GSBLUE) on 11/10/As a result, you were refunded a portion of your upfront payment, and your future lease payment amounts were adjusted accordingly
SmartPay is a lease-to-purchase program that spreads the cost of your smartphone and other items over multiple payments(Your total number of payments depends on your lease term and approval amount.) At the end of your lease term, you own the items**Scheduled payments include rental fees and taxes, in addition to a portion of the retail price of the items.**
We are separate company from RadioShack, our partner companyIn-store returns are usually handled by the storeUsually, we
require a return receipt and confirmation from the store regarding the return in order to research any discrepancies in your SmartPay account
In this case, we were willing to make an exception and process a return for the item, as well as refund the payments you made
The return is being processed in our system, and will be reflected in your SmartPay accountYour remaining scheduled payments have already been voided
Refund Amount: $
You should receive the funds in your bank account within *5-business days*
If you have more questions, contact us at ***@smartpaylease.com or call (XXX) XXX-XXXXOur call center is open Monday-Saturday 7am-7pm PST; Sunday 7am-5pm PST
We apologize for any inconvenience caused by this issue, and appreciate your patience as we researched your case and took steps toward a resolution
Best,
Initial Business Response /* (1000, 5, 2014/04/30) */
On 4/30/14, the following email was sent to the customer:
Hi ***,
My name is *** 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
Per the Terms & Conditions that were agreed to when you signed up for SmartPay, your lease is for monthly payments with the option to pay off early at any time (without any fees beyond the in-store cost of the leased items, if paid off within days - "days same as cash")
Our records show that on March 13, 2014, you emailed to inquire about a payment and you were responded to on the same day explaining how days same-as-cash works and when the last day to exercise it is (a copy of this full email is at the end of this email), as well as a copy of your Terms & Conditions:
"Your Early Payoff Amount is: $
Your same-as-cash period ends on: 04/02/
To authorize your Early Payoff request, please contact our Customer Support Team or follow the steps below
To process an Early Payoff:
Go to home.billfloat.com
Enter your email address and password
Click the purple "Make Payment" button at the bottom of the page
A window will pop upSelect "Early Payoff Amount."
Check to see that the correct debit card is selected from the drop-down list
Click "Make Payment"
Please feel free to respond with any questions or concerns
Thank you,
***
***
EMAIL RESPONSE FROM SMARTPAY CUSTOMER SUPPORT ON MARCH 13, 2014:
Hi ***
Thanks for contacting SmartPay Customer Support
You can save on total fees when you request an Early Payoff
Here's how it works:
An Early Payoff made within the "same-as-cash" period means that you will pay only for the retail price of the phone (as if you had paid for the phone in cash at the store)Monthly payments already made are applied to this retail price
Customers on a 6-payment plan have a days same-as-cash period
Customers on a 10-payment plan have a days same-as-cash period
If your "same-as-cash" Early Payoff period has already passed, you can still save on the total fees by paying off earlier than the term of your leaseSince your monthly payment includes rental fees and taxes in addition to a portion of the rental price each month, an Early Payoff allows you to save on these fees for future months
An Early Payoff, including the day and day same-as-cash option, is NOT automaticIf you don't request an Early Payoff, you will remain on your original payment schedule
An Early Payoff must be requested (at least hours before your next due date), and it is processed as a single transactionIf a payment is already in progress, you will not be able to process an Early Payoff until the payment is completed
Also, if you have any overdue payments, you will need to make those payments before processing your Early Payoff
Your Early Payoff Amount is: $
Your same-as-cash period ends on: 04/02/
To authorize your Early Payoff request, please contact our Customer Support Team or follow the steps below
To process an Early Payoff:
Go to home.billfloat.com
Enter your email address and password
Click the purple "Make Payment" button at the bottom of the page
A window will pop upSelect "Early Payoff Amount."
Check to see that the correct debit card is selected from the drop-down list
Click "Make Payment"
Once finalized, an Early Payoff request can't be cancelled
If you decide not to process your Early Payoff, please note that you are on a 10-month payment plan and have payments left
Payments are collected approximately every weeks, based on the pay date that you indicated during the application process
Your monthly payment includes rental fees and taxes, in addition to a portion of the retail price of the phoneFor further details, please review the Terms & Conditions you signed when you applied for SmartPay
Here are the due dates for your remaining scheduled payments:
03/27/$scheduled
04/24/$scheduled
05/22/$scheduled
06/19/$scheduled
07/17/$scheduled
08/14/$scheduled
09/11/$scheduled
You can also access your payment schedule by logging into your SmartPay account:
Go to home.billfloat.com
Enter your email address and password
Click on the "Show Payment Schedule" button
Your due dates are also listed in your Terms & Conditions (see attached copy)
If you have more questions, contact us at ***@billfloat.com, or call (XXX) XXX-XXXX
Thanks for your patience, and have a great day
Best,
Customer Support Team
Initial Consumer Rebuttal /* (3000, 7, 2014/05/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Hi as I stated on my complaint.I didn't agree to those terms or wasnt properly informed I would of paid the full amount the day I made the purchaseI was told one amount and that's what I have on the receipt I was given other then that I wasnt given anything else if u view the calls ive made I called several times and was given several different stories in march I paid payments because I was under the impression that I was done I have great credit and find it stupid that I would pay so much $ for no reasonI apologize if it sounds rude but im frustrated because I have been trying to fix this and just get different stories and balancesThe phones work very bad after the first month of having them I understand has.nothing to do with your dept/company but I left sprint to try to save $$$ and yet im being charged almost $and I have early term fees I'm still paying off
HONESTLY ALL I AM SEEKING IS FOR THE ACCOUNT TO BE CLOSED AND IN GOOD STANDING
Final Business Response /* (4000, 9, 2014/05/12) */
We have followed up with this customer and resolved their issue over email
Initial Business Response /* (1000, 5, 2015/05/06) */
We have no customer with this information in our system, although a customer with similar information existsFor security reasons, we can only address the complaint if it is emailed from the account on fileOnce we receive the complaint
from the email on file we can address the complaint and provide information
Initial Consumer Rebuttal /* (3000, 7, 2015/05/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They've been uncooperative and have not conducted themselves in the manner I feel a BB shouldThe matter is resolved due to the other company involved BUT this company has not been helpful nor has it tried to helpI am not satisfied with this company or its practices
Final Business Response /* (4000, 9, 2015/05/19) */
We have provided the customer with direction to contact the storeFrom our experience, when we contact the store to attempt to resolve issues like this, the resolution only comes when the customer discusses the issue with the store manager directly
Final Consumer Response /* (4200, 13, 2015/05/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The matter is closed(I GUESS) but ONLY BY METRO PCS, NOT SmartpayTHIS COMPANY TRICKS OR ALLOWS THEIR AFFILIATE COMPANIES TO DECEIVE CUSTOMERS AND DOESN'T OFFER ANY HELP OTHER THAN "IM SORRY YOU ARE OUT OF LUCK UNLESS THE OTHER GUY HELPS YOU." I HOPE THERE IS A CLASS ACTION LAWSUIT SOMEDAYI WOULD TESTIFY FOR PLAINTIFF REGARDING THIS COMPANIES BEHAVIOR AND THEIR ATTEMPTS AT DODGING THE ISSUE AND PASSING *** BUCK TO METRO PCSTO B FAIR METRO DID REFUND SOME OF THE MONEY BUT IN A DIFFERENT AMOUNT THAN I WAS ORIGINALLY TOLD IN A MESSAGETHE ISSUE HERE ISNT ONLY MY MONEY.IT IS THE FACT THAT COMPANIES SUCH AS THIS DECEIVE OR ALLOW INNOCENT PEOPLE TO BE DECEIVED BY COMPANIES ACTING ON THEIR BEHALF AND GET AWAY WITH IT.THIS IS UNACCEPTABLE AND IM NOT HAPPY WITH THIS COMPANY AT ALL
Initial Business Response /* (1000, 5, 2016/03/18) */ Hi ***, Thanks for contacting usPayments are collected based on the pay date and frequency that you indicated during the application processYour scheduled payment includes rental fees and taxes, in addition to a portion of the retail
price of the phoneFor further details, please review the Terms & Conditions you signed when you applied for SmartPayHere are the due dates for your remaining scheduled payments: Payments Remaining (scheduled on pay date) This is a fixed Payment Lease-to-own PlanDate Amount Progress 03/25/$scheduled 04/22/$scheduled 05/20/$scheduled 06/17/$scheduled 07/15/$scheduled If you would like to change your payment date, please contact us at XXX-XXX-XXXXSomeone is available to assist you with this Monday - Saturday from 7am - 7pm Pacific Time and on Sunday from 7am- pmPlease be advised, you can only change your due date once per payment cycle and you must make the change no later than days before the payment is dueIn addition, you can only move your payment by days if you pay once a month or by days if you pay twice monthlyOur system does not allow us to change multiple due dates at onceWe apologize for any inconvenience this may causeYou can also access your payment schedule by logging into your SmartPay account: Go to www.***/loginEnter your email address and passwordClick on the "Show Payment Schedule" buttonYour due dates are also listed in your Terms & ConditionsThank you very much and if you would like to view the details of your SmartPay Lease, you may do so by logging in at ***/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 ***/help for more information or you may contact us at XXX-XXX-XXXXBest, SmartPay Customer Support Team Initial Consumer Rebuttal /* (3000, 7, 2016/03/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) I am on a set fixed incomeAll of the companies I deal with on payment dates set payments on a set date which makes it easy to plan my budgetAs it stands now, I have to make payments in the month of March to keep from violating this contractI will NOT use this company again!! They set you up for failureI do not understand why this company can't work with the customer to set monthly payments due on a set date each monthFinal Business Response /* (4000, 9, 2016/03/29) */ Hi ***, As mentioned before, if you would like to change your payment date, please contact us at XXX-XXX-XXXXSomeone is available to assist you with this Monday - Saturday from 7am - 7pm Pacific Time and on Sunday from 7am- pmPlease be advised, you can only change your due date once per payment cycle and you must make the change no later than days before the payment is dueIn addition, you can only move your payment by days if you pay once a month or by days if you pay twice monthlyThank you very much and if you would like to view the details of your SmartPay Lease, you may do so by logging in at ***/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 ***/help for more information or you may contact us at XXX-XXX-XXXXBest, SmartPay Customer Support Team Final Consumer Response /* (4200, 13, 2016/04/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) I would think they would be more flexibleA company that is not very flexible will lose businessI will never use SmartPay again and I will advise anyone to not use SmartPay
Initial Business Response /* (1000, 5, *** */
Customer was responded to via email on 6/3/
Initial Consumer Rebuttal /* (3000, 7, 2015/06/09) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept because the person that
responded to the complaint only addressed the payment portion of my complaint and telling me to make payments to continue pay as schedule or payoff and is now sending me the terms and services "because before I did not know nothing about there terms and services".....the person did not address where I said that I was getting the round around by there customer service representatives or the fact that I am dissatisfied with there services and unprofessional-ism No apology or nothing Just came at me about payments
Final Business Response /* (4000, 9, 2015/06/22) */
The following email was sent to the customer on 6/22/15:
Hi ***,
I apologize if the information provided by the customer support agents you spoke to was confusing
Our records show that on May 8th, you spoke to an agent in our customer support centerThe notes from this interaction show that the agent offered you the option to make an advance payment on your lease and that you refused this offer
In regards to your question about the details of your lease, as I mentioned in my previous email, SmartPay is a lease not a loanWith a loan, you are given actual funds that you can spend on what you'd like and you repay that amount with interestWith a lease like SmartPay, you are approved for a leaseThis means that you can use the funds you are approved for to select certain items to leaseIn your case you were approved for redacted for privacy which you used to select a redacted for privacyThis item was purchased by SmartPay from the store and leased to youThe payments you are making to SmartPay are lease payments which, if made in full, culminate in you owning the leased itemsIn total, the lease payments amount to more than the in-store price of the phone, however a free day BuyOut option (ability to pay for the items at their in-store price) was also available
The screenshots I provided explain why the payments we collected were done so on certain datesIf you need any more clarification, please let me know and I'd be happy to explain any parts that are unclear
Thank you,
SmartPay Customer Support Team
Horrible company! I purchased an IPhone 6s through Smartpay The phone does not work They have taken a total of $off of me but they told me they can't replace the phone or refund me Luckily Apple is going to take care of this issue Hopefully!
Initial Business Response /* (1000, 5, 2015/10/13) */
Dear Ms***,
Thank you for contacting SmartPay supportI want to apologize for any confusion regarding your month SmartPay lease to own programFor your reference, I have attached a copy of your Lease Terms and 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 payment of $75.04, and more payments of $98.44, and at the end of the term, you would own the items listed below:
*stylo
case*
As of today, you have made of your paymentsBelow, please find a list of your remaining payments and their due dates
This is a fixed Payment Lease-to-own Plan
10/02/$overdue
10/30/$scheduled
11/27/$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 $198.49, including your overdue amount of $
**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 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,
***
Initial Business Response /* (1000, 5, 2014/12/16) */
Hi ***,
Thanks for contacting usAttached are the Terms and Conditions for your lease agreement that you requestedIf you have more questions, contact us at ***@smartpaylease.com, or call (XXX) XXX-XXXXOur call center is
open Monday-Saturday 7am-7pm PST; Sunday 7am-5pm PST
Thank you for your patience, and have a great day
Best,
SmartPay Customer Support
This company is a total rip offThey claim your lease is paid off but continue to take money out of your accountI paid almost 200dollars for a fifty dollar phone
Initial Business Response /* (1000, 5, 2015/08/14) */
Dear Mr***,
Thank you for contacting SmartPay supportI want to apologize for any confusion regarding your SmartPay LeaseDue to state regulations, we are unable to offer residents of *** a lease to own programThis
information, as well as the terms of your SmartPay lease are explained in detail in your lease Terms and Conditions and on the screen when you applied and accepted the terms onlineFor 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 an initial payment on August 7, for $and advance rental payments of $for the next month you posses the items you leased from SmartPayAs part of your lease agreement, if you return the items prior to June 10, 2016, this lease is subject to an Early Termination Fee equivalent to fifty percent (50%) of the cost of the leased equipmentAfter the first nine months of the Initial Term, you may terminate this Agreement and cease incurring further rental charges by returning the Property to us, however you will remain liable for rental charges incurred prior to returning the Property to us
Below is a list of the items SmartPay leased to you:
*Samsung Galaxy SEdge 4G LTE*
As of today, you have made lease paymentsIf you would like to terminate your lease early, you may do so by returning the items and paying an Early Termination Fee of $We have enclosed a return label for your connivence
If you do not wish to terminate your lease, you may keep the items, and continue paying rentIn months, your early termination fee will no longer apply, and at that time, you may return the leased items at no additional expensePlease note, this is not a lease-to-own agreement, as per the Terms and Conditions you agreed to online while completing the SmartPay application
Thank you again, and I hope this information is helpful
Best,
***
SmartPay Customer Support Team
Initial Business Response /* (1000, 5, 2014/03/14) */
On 3/14/14, an email was sent to the customer at their *** email address, addressing their concern
Initial Business Response /* (1000, 5, 2015/11/09) */
Hi ***,
I want to apologize for any confusion regarding your 24-payment 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 $(except for your upfront amount of $115.89), and at the end of the term, you would own the items listed below:
galaxy s
case
screen protector
car charger
dual
As of today, you have made of your paymentsBelow, please find a list of your remaining payments and their due dates
Payments Remaining (scheduled on pay date)
This is a fixed Payment Lease-to-own Plan
Date Amount Progress
11/13/$scheduled
11/27/$scheduled
12/11/$scheduled
12/25/$scheduled
01/08/$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/$scheduled
05/27/$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 $
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
To process a Buy Out:
Go to www.smartpaylease.com/login
Enter your email address and password
Click the purple "Make Payment" button at the bottom of the page
A window will pop upSelect "Pay the full Amount."
Check to see that the correct debit card is selected from the drop-down list
Click "Make Payment"
If you need assistance, please contact our Customer Support Team at XXX-XXX-XXXXWe can help you process a Buy Out over the phone
Once finalized, a Buy Out request can't be cancelled
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 11/27/2015, the items must be received by 11/25/
Thank you again, and I hope this information is helpful
Best,
***
SmartPay Customer Support Team
Initial Consumer Rebuttal /* (3000, 7, 2015/11/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept their response because I was lied to at the time of the salepayments of does not equal the original amount of the itemsit doesn't even come closeas I stated in my original complaint the sales person stated that I would be done with my payments by the end of December /beginning of JanuaryNo mention whatsoever was of a rental feeWhat kind of rental fee at the end of the payment equals to almost a whole other phoneI will give the business one more chance to honor what the salesperson told me and I will pay the original amount of the phone and itemsas of right now I have paid a total of if I have to pay any more than the amount of the phone, charger, case, and screen protector put together I will be seeking legal counsel and going to my local media station which will be ABC News and contacting *** ***
Final Business Response /* (4000, 9, 2015/11/12) */
HI ***,
We are sorry for any confusion about your lease termsHowever, our records show that on July 14th, one of our agents reviewed the details of your SmartPay Lease (including your total number of scheduled lease payments) with you over the phoneAdditionally, information about your lease has always been available to you online at www.SmartPayLease.com/login
You can *save on total fees* when you process an Early PayoffSince 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 an Early Payoff at any point during the lease term, unless there is already a payment in progress(A Buy Out should be requested at least hours before your next due date to ensure that it is processed correctly.)
Please note:
* An Early Payoff is processed as a single transaction, and requested at the time that you are ready to make the payment
* An Early Payoff is NOT automatic
* If you don't request an Early Payoff, you will remain on your original payment plan
* As of today, your Early Payoff Amount is: $(The specific amount depends on when you process it.)
To process an Early Payoff:
Go to www.smartpaylease.com/login
Enter your email address and password
Click the purple "Make Payment" button at the bottom of the page
A window will pop upSelect "Pay the full Amount."
Check to see that the correct debit card is selected from the drop-down list
Click "Make Payment"
If you need assistance, please contact our Customer Support Team at XXX-XXX-XXXXWe can help you process a Buy Out over the phone
Once finalized, an Early Payoff request can't be cancelled
Again, if you wish to cancel your lease, you can do so by returning the items to us
Thank you very much and if 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
Final Consumer Response /* (4200, 11, 2015/11/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I want a recording of that phone call because the only time the full terms of the entire contract was went over with me was when I called in last monthother than that I was only told that I was paying a month until the bill which was only around dollars was paid in fullAt no time was it mention that it was payments or that there was an outrageous rental feeI have explained what I wanted to happenI was not confused by anythingI was misinformed and lied towhen I first made my complaint I cintact ed your company and spoke with a gentleman who wouldn't not give any payment information over the phone which I found oddhe said that he would email and mail that information to meI have not received said information at allI am contacting my local news outlet today about thisI have already sought legal counsel and if a penny more of the original amount of the phone and accessories is taken out of my account I will have to seek further legal actionI have been lied to and I am considering this fraudNowhere else is there a rental fee that will cost the same amount of the items you purchased once you are done paying for itthat's all I will say about this matter until I need to again which I hope will not have to proceed with any legal action
This company is horrible, a bunch of scam artists After realized they were trying to dupe me out of for a $phone, I immediately canceled But it was too late, they already charged my card $for the first of payments I am stil trying to get that first payment back, and all I can get are dead end automated email responses and the run around on the phone Also, corporate DOES NOT HAVE A PHONE NUMBER only an email DO NOT do business with these scammers, they need to be shut down