SmartPay Leasing SmartPay tells all their Metro PCS stores that the initial customer payment to lease a phone that day is the interest, but no it's not. San Francisco California
I received the leasing terms from my local Metro PCS store where it clearly outlines that the first payment on the leased phone is for the 20% desposit required to lease the phone. 3 days later I contact SmartPay to pay off the phone, but I am given a higher pay-off amount. I asked why and I was told that that initial 20% payment to lease the phone, wasn't the 20% payment at all, but rather the FIRST month's payment on the phone, so I still need to pay the 20% AGAIN to pay off the phone. I told SmartPay that that is not what Metro PCS explained to me nor printed out for me to see exactly what the charges are, but that doesn't matter to SmartPay, because their rules are rules, even if I was never told about them. Can you imagine paying a month's payment, then after 3 days still being charged what amounts to a "pre-payment penalty", on top of the first payment you made 3 days before? Clearly SmartPay, nor the Metro PCS store located here in Corona off magnolia, care that they trick customers into overcharging them. DO NOT, I repeat, DO NOT ever use SmartPay or go to the Metroc PCS store located in Corona off Magolia. They are one of the reasons why this world we live in is full of corrupt criminals who don't care about people.