Skip a Pay/Extension FraudI have a lease payment plan with autopay set up. I've paid on time every month for almost 2 years.I went online to skip a pay which I thought meant I could skip a month or two then get back on track. I received a confirmation email of my January payment being skipped and would resume in February. Nowhere did it tell me that my January payment would be deemed past due and I would be charged a late fee and I would still owe both January and February payments in February. Despite my confirmation email of the "skipped" payment I kept receiving emails and texts of my past due January payment, that I "skipped." I called and spoke to customer service. After questioning me about where I might get the money for paying the past due amount - even from friends/family, and do I get money from the government? Etc etc. - basically shaming me for not understanding that skip a pay does not mean what it says, and that I'm wanting to skip a pay temporarily until I have the funds to pay my lease amount. They could offer me an extension on my lease - i.e. extending my lease agreement for two months but there was a fee of over $200 for this extension. My lease payments are $600 a month so the fee is about 15% of my two months payments! So much for helping a customer out during a time of financial hardship. If I were asking for a six month extension, I could see justifying the $200+ fee but not for two months. Credit cards don't even charge that much interest. That's insane.Keeping me/the customer in the dark so they can charge me a late fee or an extension fee is outrageous and mind blowing. And fraudulent.
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