Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:11/02/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been a victim of identity theft. This company allowed someone to fraudulently open an account in my name. This has incurred expenses that now have been placed in collections on my credit report.

  Business Response

  Date: 11/03/2023

  To Whom It May Concern: 
  

  We want to thank *** ******** ****** for contacting SmartPay regarding ID Theft. The Company has investigated this complaint and offers the following explanation: we have completed a preliminary investigation and advise that the matter has been referred to our Fraud team for further review. If the Fraud team determines that there was potential ID theft, a case will be opened, and the fraud analyst assigned to the case will reach out to *** ****** to discuss the details of the investigation. If the case is confirmed to be fraud, SmartPay will work with *** ****** to remove any information from her credit file associated with the matter. 
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of SmartPay
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  Date:11/02/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I bought my ************ phone outright through ******* and I've been using the $45 prepaid service plan probably for close to 8 months now. Within the first month or 2 while I was at work all of a sudden my phone was restricted and wouldn't work. Called ******** **** and they said I had to call smartpay leasing company. Made absolutely 0 sense to me, so after arguing with them cause they wouldn't get me to a supervisor I decided to call smartpay. Took absolutely forever because their automated machine doesn't allow you to pass the verification step without verification. Finally got ahold of someone and they admitted I had no ties with them and they apologized and assured me it wouldn't happen again. So the 18th of Oct rolls up and I renew my service. I was g9od for until the following Sunday, which is the day I have to pick my son up a hour away from my house. I use GPS and of course my service to communicate. A little way into the drive my phone was restricted again! This time in the middle of the highway with no service and no wifi. Literally stranded me on the highway. No my sons at jeopardy and I only got lucky cause a stranger let me use his phone. I can't call smartpay cause their closed and ******** **** did the transfer call in a circle as usual. I got ahold of someone on Monday. He said he fixed it in the system and it'll be resolved In 2-5 days. 6 days later, I'm still without a phone and I'm freaking out. I call them again and they said the same exact thing. 2-5 days, sorry, won't happen again. And it's now another week past with nothing. I emailed them and they said I have to pay off the lease first! What? I never had one to begin with!. Now I'm furious cause neither ******** **** nor smartpay are trying to help. At this point, I want the money for this phone I bought back or a whole new phone with new imei and I was my money back for the service plans I'm paying for that is a total waste. Was always I huge ******** **** fan until this horribl neglect

  Business Response

  Date: 11/17/2023

  To Whom It May Concern: 
  

  We want to thank *** ****** ***** for contacting SmartPay regarding service disconnection. We understand that there is some confusion with the terms and conditions of her loan. We completed an investigation into the matter and advise the service interruption is related to a technical issue on the ******** side and any action taken by SmartPay will not resolve the matter permanently. ******** must make the corrections in their system for *** ******* service to be restored. We are working with ******** to resolve the technical issue; however, at this time we are unable to assist.

  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of SmartPay 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

  Business Response

  Date: 11/20/2023

  To Whom It May Concern: 
  

  We want to thank *** ****** ***** for contacting SmartPay regarding service being disconnected. We completed an investigation into the matter and advise no refund will be issued as *** ***** did not purchase the device through SmartPay. As explained, the issue lies with ********, and *** ***** would need to request the refund from ******** directly.
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of SmartPay
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  Date:10/28/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I logged into the SmartPay lease dashboard on Friday 10/27 to try and change the date of my auto pay scheduled for 10/29/23. Or cancel it and just pay it on or before the 3rd when I receive my retirement check. There is no way to make such a change on their website as there is with most companies. I then called SmartPay Lease 3 times on 10/27/23 about the fact I can not make my payment on 10/29/23 as I do not get my Retirement check until the 3rd of each month. The 1st person I spoke to wanted to help me but their company phone system in ***** **** disconnected my call. I was not abusive or nasty. On the 2nd and 3rd call the same thing happened. I was not abusive or nasty on those calls either. They had my account info and could have called me back. But no. I tried chat but no one responded by chat. So, I gave up. When they attempt to withdraw the money on the 29th there will not be sufficient funds in my account to do so. I am reaching out regarding this as their customer service support teams were not able to help me. If there are payments return fees I’ll be in even worse shape. I need the phone. I want the phone. I must change the due date to accommodate my retirement check payment though so I can pay it from that check each month. Please help me and thank you.

  Business Response

  Date: 11/03/2023

  To Whom It May Concern:
  
  We want to thank *** ******* for contacting SmartPay
  regarding his lease payments. We have reviewed his concerns, and we'd like to
  take this opportunity to address them.
  
  First, we understand the customer would like to change his due
  dates to the 3rd of the month so his payments correspond with his income pay
  dates; however, as previously communicated, we cannot change due dates once a
  customer opens a lease. The payment due dates are not based on the customer's
  income pay dates; they are based on the date that the rental purchase agreement
  is completed. The payment due dates are listed within *** *******'s
  rental-purchase agreement, and he agreed to those dates when he leased the
  ****** ** **** and signed the agreement. Our records show *** ******* spoke to
  our Customer Support team on 8/29/23 and we granted a 30-day extension for his
  payment due on 8/30/23. As a courtesy, we have turned off the automatic
  payments, and we will no longer automatically debit his bank account* *** ******* may make self service payments at his convenience when he gets paid via
  the SmartPay customer portal by visiting ****************.
  He can also make payments via the payment hotline or by speaking with Customer
  Support by calling ###-###-####. SmartPay does not charge late fees for not
  making a payment on the lease payment due date, so there should be no additional
  charges. *** ******* can also complete an early purchase option and
  purchase the merchandise outright or cancel his lease at any time with no
  future lease payment obligations once the phone is returned. 

  Secondly, we understand *** ******* was displeased
  with his experience when he called SmartPay Customer Support. Specifically, he
  stated the agents disconnected the calls and failed to assist him with his
  issue. We have investigated this concern, and our records show our agents did
  not disconnect the calls. During the calls, the agents put *** ******* on hold,
  and while he was on hold, the calls dropped. Our phone system shows the calls
  were disconnected externally, not by the agents. Regardless, we're sorry that
  his recent experience did not meet his expectations, and we appreciate the
  feedback. The customer's concerns have been escalated to our management team
  for review, and he can be assured the feedback is being taken seriously.
  
  We believe this matter to be settled; however, if
  *** ******* has any additional questions or concerns, he may contact us
  directly by visiting www.smartpaylease.com/contact.
  
  Sincerely,
  -Customer Advocacy

  Customer Answer

  Date: 11/03/2023

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  I do concur with the fact that the company did provide me with a courtesy deferred payment as they stated. For that I was grateful. And I thought there would be no more issues. The agent who assisted me with that was very professional and helpful.
  Regarding the auto payment I’ll be candid in stating I did not read all the fine print of the lease agreement. I mistakenly assumed as with the other companies I work with, and they are many (such as utilities and Insurance Companies), that such an arrangement could be made. Interesting to note though that the 2 companies that don’t allow any flexibility regarding setting a definite payment date each month are the cell service provider and SmartPay Lease. Live and learn. Believe me I have. I am also grateful they have changed my payment from auto pay. Each month when I get my check I’ll pay it on that date.
  As far as the phone service - they are right that the calls were dropped when their CSA’s put me on hold. I did not hang up. All I know is the calls disconnected somewhere between ***** **** where the CSA’s are located the USA. If it happens regularly when your CSA’s put people on hold maybe your company should investigate that technical issue with your phone systems and get it fixed or change phone service providers. Just a suggestion. 
  I look forward now to working with you until my phone is paid off.

  
  Thank you.

  
  Regards,
  
  
  
  ****** *******
  
  

• Initial Complaint

  Date:10/26/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company obtained my debit card information without my consent. They stated “it’s strange” and wouldn’t give me a refund.

  Customer Answer

  Date: 10/27/2023

  Yes i was paying installments but returned the device and they somehow added my new debit card to charge my account without my consent.

  Business Response

  Date: 11/06/2023

  To Whom It May Concern: 
  

  We want to thank Ms. ******** ****** for contacting SmartPay regarding your lease. We understand that there is some confusion with the terms and conditions of her lease. We completed an investigation into the matter and advise we have issued a refund back to the debit card ending in ***** The lease is now closed. 
  

  We sincerely apologize for any confusion regarding Ms. ******** lease with us.

  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of SmartPay 
  **** *** ***** 
  *********** **** ********** 

• Initial Complaint

  Date:10/18/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The company is constantly calling and harassing me. I asked him not to call me anymore they continue to call. I provided proof that the debt is not mine and they continue to harass me with emails.

  Customer Answer

  Date: 10/19/2023

  Early in the day I went there to buy a phone and wanted to see what the payment plan would consist of so I filled out the application. Upon learning the prices that they were charging I decided to pay for the phone cash.

  I sent the company a copy of the receipt which I obtained from the actual store I bought it with the same employee that verified as well that I did not do any type of financing.

  Business Response

  Date: 10/23/2023

  To Whom It May Concern: 
  

  We want to thank *** ****** ******* for contacting SmartPay regarding the lease created in his name. We understand that there is some confusion with the terms and conditions of his lease. We completed an investigation into the matter and advise we were able to confirm *** ******* did pay for his device in store. A return was processed on the lease and a return was issued in the amount of $44.26. The lease is now closed. 
  

  We sincerely apologize for any confusion regarding *** ********* lease with us.

  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of SmartPay 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  Date:10/18/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a cell phone through this company and sent it back because I don't use the phone company anymore. They are insisting they did not receive it. It's been since June and they keep trying to take money. I did return it through the USPSand they are insisting they didn't get it. I swear on my life and the holy Bible I did return it. They have continued to Harris me

  Customer Answer

  Date: 11/02/2023

  I do not have the receipt but net ten is in possession of the phone

  Business Response

  Date: 11/07/2023

  To Whom It May Concern: 
  

  We want to thank Mr. ***** ******* for contacting SmartPay regarding his device. We completed an investigation into the matter and advise a return has been processed for the returned device. A refund, in the amount of $67.20, has been issued to the original form of payment. 
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of SmartPay 
  **** *** ***** 
  *********** **** ********** 

• Initial Complaint

  Date:10/13/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I paid off a phone I bought from smartpay but smartpay claimed I still owed over 200 dollars on it because I live in *********. I never paid what they wanted and I never heard back from them and now, after 7 years of no contact or bills from Smartpay, I am now receiving calls from a collection agency threatening to serve me papers. I'm beginning to think this collection action is a scam. They have not sent me any papers about their claim. All I get are phone calls from this one person. I have voice messages from him though.

  Business Response

  Date: 10/17/2023

  To Whom It May Concern: 
  

  We want to thank *** ****** ******** for contacting SmartPay regarding her account. We understand that there is some confusion with the terms and conditions of her lease. We completed an investigation into the matter and advise the last payment, per the agreement, was not made. The last payment of the agreement should have been made on 11/11/2016, but that payment was not made. Please contact Collections by calling ###-###-#### and one of our friendly agents will be able to assist.
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of SmartPay
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

  Customer Answer

  Date: 10/17/2023

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below.
  
  
  Regards,
  
  
  
  ****** ********

   

  I have never contacted smartpay like it says in their response.  I never heard from them for almost 7 years after I refused to pay them the $200.00 they claimed I owed them and the person that did contact me a few weeks ago was a collection agency and I had no idea what it was for until I asked this person. I never received any mail or emails from Smartpay or this collection agency. All I got was a Mr. G***** from a telephone number saying he has a claim against me with a claim number and always at the end of the phone call he states, "This is your final notification" but he calls almost every day with the same message.He has called 7 times in  one day. I call that harassment.. In the message he gives a different phone number to call back on. I have called back and talked to two different people giving them permission to tell this Mr. G***** to serve me papers. Mr. G***** claims I have not given permission. I have since stopped answering his phone calls and I have not yet been served papers.   He has also been calling my family members to get information from them which I just recently found out that he has called one of my sons more than once which there is a law that states he is only allowed to call a family member  "ONCE".   

  I  have  searched back into my records on smartpay and found the original payments I made. I have sent you the documents which shows the end date of my contract and the payments I made.   

  Sincerely,

  ****** ********

  Business Response

  Date: 10/30/2023

  To Whom It May Concern: 
  

  We want to thank *** ****** ******** for contacting SmartPay regarding her previous lease. We understand that there is some confusion with the terms and conditions of her lease. We completed an investigation into the matter and advise we attempted to contact *** ******** to ask for more information about who is contacting her, and if she received any documents. We received no response from *** ********. If *** ******** would like to provide the requested information she can send it to *************************************.
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of SmartPay 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

  Customer Answer

  Date: 10/30/2023

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below.
  
  
  Regards,
  
  
  
  ****** ********

  You did not attempt to contact me.  I never received a call, message or papers from anyone except another call from the collection agency.  I don't even know what agency it is. They haven't told me what agency they are, and I have given them all the information they have asked for but they claim I haven't.   If you want to call this agency yourself this is their number   ###-###-####   I have given these people permission to serve me papers but apparently they never told Mr. G***** they I did.    They say they record all their calls so why don't they go back and listen to our conversations.    I will send back the phone before I pay another dime for it.   

  ****** ********

  Business Response

  Date: 11/07/2023

  To Whom It May Concern: 
  

  We want to thank *** ****** ******** for contacting SmartPay regarding her previous account. We completed an investigation into the matter and were able to confirm the account was sold to United Debt Holdings. We have reached out to *** and were able to have the account closed. *** ******** should receive no further collection communications. 

  A review of the information *** ******** provided does not connect back to any known debt collection company. We believe the calls she has received lately may be scam calls. Currently *** ******** has no debt with SmartPay, so any calls received pertaining to SmartPay debt are not accurate.
  

  We sincerely apologize for any confusion regarding *** ********** lease with us.

  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of SmartPay 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

  Customer Answer

  Date: 11/10/2023

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  
  
  Regards,
  
  
  
  ****** ********

   

  Thank you for your help in the matter.. it is very much appreciated..

  ****** ********

• Initial Complaint

  Date:10/07/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im not liable for this debt with this charter communications, I don't have a contract with SmartPay LLC, They did not Provide me with the original contract as i requested.

  Business Response

  Date: 10/09/2023

  To Whom It May Concern: 
  

  We want to thank Mr. ****** ***** ******* for contacting SmartPay regarding his account. We understand that there is some confusion with the terms and conditions of his lease. We completed an investigation into the matter and advise our records indicate that the lease defaulted and was sold to Security Credit Services. For any questions or concerns, please contact the Third-Party agency directly at ************. We would have no additional information as we are not the current owner and have not contacted Mr. Young Hawkins since the date of sale.  
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of SmartPay
  **** *** ***** 
  Cincinnati, Ohio ********** 

  Customer Answer

  Date: 10/16/2023

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ** ********* and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below.
  
  
  Regards,
  
  
  ****** ***** ******* 

  I have been a victim of identity theft and I have no knowledge of this account. I request you Security Credit Services To removed this account from my credit report.

• Initial Complaint

  Date:10/03/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On the date of 4/28/23 I attempted to order an * ***** ** and was told the order was not successful due to low quantity in stock. I was still billed $120 that day 4/28/23, and sense then I have still been billed $61 each month. I discovered that this was being withdrawn from my checking account on the date of 9/22/23 while I was doing an audit of my checking account. I have called smart pay lease multiple times and was told an investigation is being done, I have also called ******** **** and they are unaware of any type of investigation. I emailed smart pay lease and included pictures (screenshots) where the funds have been taken from my account. I have worked on this for 2 weeks now and am getting now where with this. I am simply asking for my refund that is all, as I never received the phone. At minimum a signature should of been required on delivery and of course there will not be a signature as the phone was never delivered.

  Business Response

  Date: 10/16/2023

  To Whom It May Concern: 
  

  We want to thank *** ***** ******** for contacting SmartPay regarding her account. We completed an investigation into the matter and advise a return was processed on 10/13/2023, and a refund in the amount of $425.49 was issued to the original form of payment.

  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of SmartPay 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  Date:09/29/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am purchasing a service plan for my phone through ******** **** and Smartpay is also charging me for a phone service plan that I was not aware of 08/23/2023 and 09/27/2023. I called and request a refund. I was told they are not going to refund my money. The charges are not authorized. I am being charge twice for a service plan and I do not want nothing less than my refund. They tried to get me to call ******** **** . I advice agent I will be not going to be doing no back and forward between them and straight talk.

  Business Response

  Date: 10/03/2023

  To Whom It May Concern: 
  

  We want to thank *** ***** ****** for contacting SmartPay regarding her Service Plan. We understand that there is some confusion with the terms and conditions of her lease. We completed an investigation into the matter and advise per *** ******** Automatic Airtime Purchase Agreement, SmartPay will collect the service plan payments at the request of the carrier, but we do not manage the service plan itself.

  We’re happy to assist with resolving this matter by working with the carrier on *** ******** behalf; however, before we can contact the carrier, we do need for her to provide documentation showing that she made double payments. *** ****** can email a copy of her bank statement or a screenshot of her bank account to **********************. The information provided should include the transaction date, amount, and the payee name must be clearly legible.
  
  If **** ****** has additional questions or concerns, please contact Customer Support by calling ###-###-#### and one of our friendly agents will be able to assist her. 
   
   Customer Support Business Hours:
  - Monday - Saturday 7:00 AM - 7:00 PM PST
  - Sunday 7:00 AM - 5:00 PM PST
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of SmartPay
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454