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:06/10/2024

  Type:Product 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.

  Smartpay has a relationship with Metro by T-Mobile in ***** ******* *** ****, where live. I purchased a cell phone from Metro for about $50. Recently, the battery went bad and I went back to Metro to buy a new one. The lady said Metro does not sell batteries, and besides they don't sell the cell phone I bought there anymore. She recommended that I purchase a new cell phone. She sold me one for about $60 and I felt this was the right thing to do. I thought the $60 was all what I would have to pay as the price was not that much different from the cell phone I bought about a year and a half ago. With Smartpay, I never signed a lease, never spoke to them at that point, and knew nothing about the charges. But I learned later that Metro gave Smartpay information about me and my credit card number without my knowledge or consent. I was told by a lawyer that was illegal.
  
  It was only weeks later that I learned Smartpay was charging my credit card with $36.72 a month, and they were going to charge me that amount for months to come. I called my credit card company and asked them to stop paying Smartpay, but I was told they could not do that. I was told to close my account and get a new card number, which I did.
  
  I then called my credit card company and made dispuets for the Smartpay charges, which came to over $200. Since I wanted to return the cell phone I bought in Metro and the several other items Smartpay sent me in the mail, I asked Smartpay to send me a ***** return label. Smartpay e-mailed me a ***** label and I packed up the cell phone and all of the other items, took the package to ***** in White Plains, and they sent it to Smartpay in Cincinnati. Smartpay received the package and sent me an e-mail saying it was complete (see first attachment of May 14).
  
  I purchased a new battery for my old cell phone on-line and Metro activated it for me. I use the old cell phone with the new battery, and it works fine. I did not have to buy a new phone after all. I only bough it because the lady in Metro said I had to.
  
  On May 15, I received an e-mail from Smartpay (see second attachment) that stated the lease was created in error, they closed the lease, I don't owe any more money, and I will get a refund of $212.97. Since I did not know when I would receive the refund, I called Smartpay and spoke to ********. After looking at my account, he said I would receive the refund in 7 to 10 business days, and gave me a reference number for the call, #********.
  
  Then, on May 29, I received another e-mail from Smartpay (see third attachment). Here I was told that Smartpay made a mistake and I will not be getting a refund, even though I returned the phone and all of the items I received, and they acknowledged it. I called Smartpay again on May 29 and spoke to ****. She could not tell me what happened, or why Smatpay first said I would be getting a refund and then said I won't be getting a refund. We talked a long time, she put me on hold while she spoke to a supervisor, and then gave me a reference number, #********.
  
  Please investigate this complaint. I still want to receive a refund, as I returned the phone and all of the items Smartpay sent me. I also would like to know what happened, why Smartpay first said Yes and then said No.

• Initial Complaint

  Date:06/05/2024

  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 got a phone plan with ***** *** back in December of 2023 and they set up a leasing plan through a company called smart pay leasing and I thought it was to pay off my phone but when I logged into smart pay I seen that they were charging me $196 a month for multiple items that I do not have in my possession I called them on May 26 and reported that I had this issue they said they’d fix this problem but I received an email stating that they were going to be taking another $196 for the items that I do not have. I was told that I was going to be reimbursed for all the money they have taken I have still yet to see the reimbursement. The only items I should be paying for is the ****** **

  Business Response

  Date: 06/17/2024

  To Whom It May Concern: 
  

  We want to thank *** ****** ****** 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 we have received the invoice from the retail location and that invoice matches the lease agreement. We also requested a copy of the receipt from *** ****** without response. Based on the information received from the retailer no adjustments will be made to the lease. We have attached a copy of the lease agreement and the invoice.

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

  Customer Answer

  Date: 06/21/2024

  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.
  I am rejecting this response because I spoke to one of the people from customer support for smart pay and he said I did not have to provide a receipt if I did not have one.
  Regards,
  
  
  
  ****** ******
  

  Business Response

  Date: 06/26/2024

  To Whom It May Concern: 

  We want to thank *** ****** ****** for contacting SmartPay regarding his lease. We understand that there is some confusion with the terms and conditions of her loan. We completed an investigation into the matter and advise this is a duplicative complaint that was previously answered on 6/17/2024. No additional facts or circumstances have been provided that would require a different answer.
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of SmartPay 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  Date:06/04/2024

  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 received an email last month which would be the month of May stating that my phone would be paid off in full in the amount of $41.08.
  I am on disability.
  I got up June 3 and called the automated service of my bank. I was writing down what had came out that morning…80.13 Was taken from my account from SmartPay. I called the bank telling them that that is not right or they sure that’s who it was from and they said yes.
  I immediately hopped on my email and lo and behold. There was an email from SmartPay stating that they had taken $80.13… So I called the number associated statement.. I was on hold for over one hour so I hung up. I sent them a couple emails no response. I called again today and finally got somebody. They are trying to tell me that the $80.13 for the final pay plan… Meaning a mins plan. I told the lady that is not right I get my minutes through ******** ****. I just called them yesterday June 3 and got my minutes on my phone and then they will tell me through the automated service that my next plan is due July 2… There are no reserve mins.
  She kept putting me on hold and getting back on the phone telling me that her team said that there is no way that they could refund me the $39.05 because my plan was already paid in full. I said ma’am you’re not listening I have an email from last month, stating that my Pay $41.08 she continued to tell me there was nothing they could do. I believe I was put on hold five times.. Finally got very upset and I told her never mind. It was not her fault. Thanks for trying, but I would be contacting the Better Business Bureau and she told me good luck.

  Business Response

  Date: 06/12/2024

  To Whom It May Concern: 

  We want to thank *** ******* ****** for contacting SmartPay regarding the payoff of the 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 a late fee can be charged for payments made after the original due date, but as a courtesy we are issuing a refund for the over payment of $39.05. A check will be issued and mailed to the address provided within this complaint. Please allow 14-21 business days for the check to arrive.

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

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

  Customer Answer

  Date: 06/12/2024

  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,
  
  
  
  ******* ******
  

• Initial Complaint

  Date:06/03/2024

  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.

  My problem is this company(SmartPay Leasing ) gave my information to another company and there was no validation of the debt. Now the other company (******** ****** ********) is trying to collect from me. This account is not mines because it’s a 3rd party account. I am not liable for the debt with character communication. I do not have a contract with ******** ****** Services and they did not provide me with the original contract as I requested. According to 15 USC 1681 , A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. According To 15USC 1962 This Is Considered Unfair practice. I demand this to removed off my credit report.

  Business Response

  Date: 06/12/2024

  To Whom It May Concern: 

  We want to thank *** ***** ****** for contacting SmartPay regarding the previous account. We understand that there is some confusion with the terms and conditions of the lease. We completed an investigation into the matter and advise our records indicate that the lease defaulted and was sold to ******** ****** 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 *** ****** since the date of sale.  
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of SmartPay 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

  Customer Answer

  Date: 06/12/2024

  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.

  Smart Pay Leasing, Admitted My Information Was Sold To ******** ****** Service Therefore I Do Not Own That Account And Should Not Be Held Accountable To Pay Off The Debt.
  Regards,
  
  
  
  ***** ******
  
  

• Initial Complaint

  Date:05/29/2024

  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.

  They placed a hold on my phone and number - I have no business with them and they shouldn't even have my information - so they need to remove it from their system.

  Business Response

  Date: 06/06/2024

  To Whom It May Concern: 

  We want to thank *** **** ******** for contacting SmartPay regarding his device. We completed an investigation into the matter and advise that *** ******** device's IMEI is associated with a SmartPay lease that is still active.
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of SmartPay
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  Date:05/22/2024

  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.

  August 24,2022. ***** ***. Phone approximately purchase date. **** ****** ******* ******** ** *****. ###-###-####. ******* *** ** *** ***** ****** ** ***** ###-###-####
  Email: My ******** ************** 
  Smart Pay Solution LLC
  *** ********* **** * ***** *** ************ ** ***** ###-###-####

  Business Response

  Date: 05/29/2024

  To Whom It May Concern: 
  

  We want to thank *** ***** ******* for contacting SmartPay regarding her 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 a lease was created per the invoice received from *****. We have attached both the invoice from ***** and the Lease Agreement. According to our records 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 *** ******* since the date of sale. 
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of SmartPay 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

  Customer Answer

  Date: 06/10/2024

  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,
  
  
  
  ***** *******

  Why are you contacting me after all this time? I need answers. 

  ****** ###-###-#### is contacting me

• Initial Complaint

  Date:05/15/2024

  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.

  purchased a car in 2020. last month we paid off the loan through **** motor company. i have already received the title in the mail and a letter from **** acknowledging the loan is satisfied. smartpay is continuing to debit my bank account the amount of 112.40 weekly. i cannot reach a person through the automated system. when i enter my identification info. DOB and last 4 of social it tells me that no known account is found. i submitted a complaint online and was given an automated response that you cannot reply to. my bank wants to charge me to stop the payments. i want someone to contact me and stop withdrawing money. and an immediate refund of what they have drawn from my account since this loan was paid in full.

  Business Response

  Date: 05/16/2024

  To Whom It May Concern: 
  

  We want to thank *** ******* ********** for contacting SmartPay Lease. We completed an investigation into the matter and advise *** ************ complaint is about SmartPay, not SmartPay Lease. He will need to contact SmartPay.
  
  Sincerely, 
  Customer Advocacy Team 
  Corporate Offices of SmartPay Lease 
  P.O. Box 36454 
  Cincinnati, Ohio 45236-0454 

• Initial Complaint

  Date:04/29/2024

  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.

  First, I tried on a few ocassions to pay my bill early. Wasn't able to do that. Then they have repeatedly tried to debit my account. I asked them not to do that. Of course I got no response. I then told them not to keep attempting to debit my accounts. Because when there was insufficient, I informed smartpay that I would pay as soon as my check dropped. They still insist on attempting to debit my accounts daily. Now, they are even attempting to debit a card that was stolen.All after I sent correspondence and answered their correspondence, telling them that they did not have permission to automatically debit anymore. Of course, no response. They do not answer if you call. They do not respond to emails or chats. They send emails saying the payment didn't go through, but won't answer emails. The first couple of times I had a problem I didn't get any notice of an upcoming payment or that one hadn't gone through. They just cut my phone off with no warning or notice. Had no idea what happened, I thought the service was out. Took 2 days to find out what the problem was. On 4-25-24 they began attempting to debit my account for service plan , not the lease payment. Thing is service didnt need refilled until 4-28-24. They have never done this before. The customer service isn't horrible, it's non existent. I have spent countless hours trying to deal with their lousy service, inaccurate billing and never get any contact.

  Business Response

  Date: 05/07/2024

  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 we would like to respond to each of Mr. ****** concerns.
  First, we would like to apologize that Mr. ****** feels we haven't been
  responsive to his contact. Many emails concerning account updates such as
  payment due date reminders and debit card expirations are automated and when
  customer's contact via email and chat there are times where the agent
  responding cannot fully assist the customer via email and chat. These result in
  responses redirecting the customer to call Customer Support. 

  Per Mr. ****** request to revoke permission to automatically
  withdraw payments that has been completed. There are 3 remaining payments due
  on 05/30/2024, 06/29/2024, 07/29/2024. Mr. ****** will need to call into
  Customer Support to make those payments. At this time, the only payments that
  can be made through the website are past due payments. 

  Service connectivity is
  determined by Mr. ****** service provider not SmartPay. If the service plan is
  not set up on auto refill SmartPay will attempt the service plan payment for
  the service provider. If the attempts are unsuccessful or the customer has
  revoked permission to attempt payments the service may be disconnected for nonpayment.
  Once the service plan payment is made service is normally reconnected within 1
  hour.

  We believe we have resolved
  all Mr. ****** concerns, but if he has any other questions or concerns please
  reach out to Customer Support at ************ and one of our friendly agents
  will be able to assist.

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

• Initial Complaint

  Date:04/24/2024

  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.

  April 19th, I used smartpay approval to try to get another phone since the one I had for years broke. I was very skeptical but tried anyways because I was desperate and needed a phone now since I have kids at school and daycare. After choosing a phone and submitted card info, I processed payment. Soon as the payment went through I received an error, no confirmation email...only way I could tell was by looking at my bank statement that my money was removed for this purchase. After calling smartpay customer service I was informed that I had to wait 1-3 business days for the order to process. I was told I had to call today 4/24 if no update about order was sent. Well here we are today and I was told the order has been cancelled but there is no timeline on when the cancellation will move through their system. SO now I have to wait once more not on my bank but for this scam of a company to decided when they will processes my cancellation. I should have read all these reviews here from the jump. I should not have to wait longer. I know I can report to my bank, however thats along process that I should not have to do. DONOT give this company your business they seriously need to be investigated into .

  Business Response

  Date: 04/30/2024

  To Whom It May Concern: 

  We want to thank Ms. ***** ******* for contacting SmartPay regarding her order. 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 lease has been canceled. When the lease was created SmartPay puts an authorization hold on the funds from the customer's bank account. That authorization hold normally falls off within 3-5 business days. If Ms. Nunsuch still sees the payment on her account we ask that she send her bank statement to SmartPay for review. The email address she can send it to is [email protected] for review. The payment would need to be processed, and not showing as pending.

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

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

  Business Response

  Date: 04/30/2024

  To Whom It May Concern: 

  We want to thank Ms. ***** ******* for contacting SmartPay regarding her order. 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 lease has been canceled. When the lease was created SmartPay puts an authorization hold on the funds from the customer's bank account. That authorization hold normally falls off within 3-5 business days. If Ms. Nunsuch still sees the payment on her account we ask that she send her bank statement to SmartPay for review. The email address she can send it to is [email protected] for review. The payment would need to be processed, and not showing as pending.

  We sincerely apologize for any confusion regarding Ms. Nunsuch's lease with us.

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

  Business Response

  Date: 05/02/2024

  To Whom It May Concern: 
  

  We want to thank Ms. ***** ******* for contacting SmartPay regarding her account. As previously stated, SmartPay placed an authorization hold on the funds on 4/19/2024 and that hold was released on 4/25/2024. If Ms. Nunsuch's bank statement shows otherwise we would be more than happy to investigate further.

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

  Business Response

  Date: 05/02/2024

  To Whom It May Concern: 
  

  We want to thank Ms. ***** ******* for contacting SmartPay regarding her account. As previously stated, SmartPay placed an authorization hold on the funds on 4/19/2024 and that hold was released on 4/25/2024. If Ms. ********* bank statement shows otherwise we would be more than happy to investigate further.

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

  Customer Answer

  Date: 05/03/2024

  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.

  -Email sent with no response. Dont even have to replay I have disputed with my bank.
  
  
  Regards,
  
  
  
  ***** *******
  
  

  Customer Answer

  Date: 05/03/2024

  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.

  -Email sent with no response. Dont even have to replay I have disputed with my bank.
  
  
  Regards,
  
  
  
  ***** *******
  
  

• Initial Complaint

  Date:04/18/2024

  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 went to ***** *** By * ****** to purchase an I phone ***** *** system went down so I never received the I phone attached shows I reached out to *** and the attachment said I would get a refund in a few days. I never received the refund and Smart Pay placed me in collections and placed this on my credit report I have reached out to Smart Pay several times with no results I would like a refund for $52.07 and removed from my credit report as for I never received the phone Thank You ******** *****

  Customer Answer

  Date: 04/18/2024

  This is all I have there were no $ amounts listed 

  Business Response

  Date: 04/22/2024

  To Whom It May Concern: 
  

  We want to thank *** ******** ***** for contacting SmartPay regarding her lease. We completed an investigation into the matter and advise the lease was canceled on 8/01/2023. At the time, there was a pending payment dispute on the account, which stopped the refund being processed. A review of all communication with *** ***** revealed she requested a check be issued for the refund. That request has ben submitted. A check in the amount of $52.09 will be mailed to the address provided in the complaint. Please allow 7-14 business days for the check to arrive.

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

  Sincerely, 

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