Complaint Review: YBUY

Yesterday morning around this time i was very saddened and upset with this company. I financed my Samsung Galazy s6 through YBUY on May/6/2015, i only needed to get financed $275, because i had traded in my old phone which gave me a $75 credit towards my $649 purchase, and i paid $300 in cash, only needed to pay YBUY $275.01.

I was told at the cricket store that it would be BEST to pay off my phone within the 90 days to avoid any intrest. I was like, "ok...I can do that!" Long story short... As of August 19th, 2015, my payoff amount was 30.54, " In my head i'm thinking i have only 1 more payment and the phone is mine!" Nope... Not the case at all.

I miscalculated my math, (which is my bad on my part), but i went from only owing $19.86 on my galaxy s6, (and mind you i only needed to borrow $275.01 from YBUY), to when it came time for me to make sure the payment came out of my account for August 21, 2015, my new payoff amount was now $258.45!!!

Pretty much from my understanding from the customer service lady who was very hard to understand due to her broken english, told me that because i did not pay off the phone within the 90 days, that now they are pretty much throwing on a rental agreement charge for 12 months... Maybe thats not what she said? I don't know... All i know is how do you go from only owing $19.86 to know owing $258.01? i pretty much paid $240 more for this phone! i was 18 days past the 90, and now i'm $258 in the hole.

This company does not care, they said that is part of their agreement. Bottom line, do not finance through this company, and if you do, have your math down to the T. Make sure you pay them off within 90 day or you will be crying and upset... We work too hard for our money to just throw it away.

I looked through all my paper work, and cricket never did give me any type of agreement or anything stating how YBUY actually works. Ask questions, and dont let this company do this to you!