T-Mobile JOD iPhone X Scam

Discussion in 'iPhone' started by rob.james.arias, Oct 27, 2017.

  1. rob.james.arias macrumors regular

    rob.james.arias

    Joined:
    Apr 20, 2015
    #1
    When placing my order last night, I was surprised to hear I needed to pay a $279 down deposit on the iPhone X.

    I asked what the reason was and they indicated it was as an automated system that pulls credit. I explained that I have a 834 credit score, and that they had not run my credit in over two years (thank you credit monitoring). I also explained that I had never had a down payment in the past, not even a month ago when I ordered my 8+ from them.

    Long story longer I polled a few people I know that upgraded and the results are interesting. I am hoping to see if anyone here matches the criteria.

    I believe that if you upgraded with JOD last month to the 8 or 8+ and wanted to do an JOD for the X you have been “randomly” selected to pay the $279 down deposit. If you did not upgrade to the 8 or 8+ there was no down deposit.

    I really hope the 5 people I surveyed that I know were the exception to the rule however this seems to be the case. The two, who had not upgraded, did not have to pay a deposit. They each have credit scores in the mid 600’s. The three that had to pay a deposit had upgraded to the 8 or 8+ already and had credit scores from mid 500’s to 800.

    This at the very early stages feels like they are fleecing anyone who wants to “Jump anytime they want to any device they want”.
     
  2. mikeabbz macrumors member

    Joined:
    Jan 17, 2007
    #2
    Same here. Never had a down payment until this time. Apparently they changed the down payment rules on the 23rd according to a link posted in the pre-order thread
     
  3. Scarphac3 macrumors regular

    Joined:
    Mar 6, 2013
    #3
    According to tmobile you have to have 3+ years of service to qualify for the 0 down. I didn't upgrade to the 8, went straight from 7 plus to X and I didn't have to pay any down payments for my phones.
     
  4. rob.james.arias thread starter macrumors regular

    rob.james.arias

    Joined:
    Apr 20, 2015
    #4
    Had you previously JOD to an 8 or 8+?
    --- Post Merged, Oct 27, 2017 ---
    This is exactly what I am finding. Those that jumped from 7/7+ no down deposit. Those that jumped from an 8/8+ had a down deposit. Thanks for the info!
     
  5. Zorn macrumors 65816

    Zorn

    Joined:
    Feb 14, 2006
    Location:
    Ohio
    #5
    It only applies to phones over $900 or $950, and is a combination of having been a customer for at least 3 years as well as credit. Apparently there are 2 or 3 "credit classes" that will give you a 0 down payment without the 3 years.
     
  6. rob.james.arias thread starter macrumors regular

    rob.james.arias

    Joined:
    Apr 20, 2015
    #6
    834 credit here, not sure it gets a whole bunch better than that. Furthermore, they never ran my credit. That is what made me suspicious. It felt disingenuous to be told it was due to credit when I have shining credit.
     
  7. Bomb617 macrumors member

    Joined:
    Jul 25, 2012
    Location:
    SoCal
    #7
    Didn't know that...
     
  8. mikeabbz macrumors member

    Joined:
    Jan 17, 2007
    #8
     
  9. Scarphac3 macrumors regular

    Joined:
    Mar 6, 2013
    #9
    They didn't do a good job conveying the message. The only way I found out is the leaked document in the preorder thread.
     
  10. peteyyt macrumors member

    Joined:
    Jan 8, 2009
    #10
    I jumped from an 8+ with no deposit. T-Mobile customer for 4+ years here though.
     
  11. trife macrumors 6502

    trife

    Joined:
    Apr 16, 2012
    #11
    And this is exactly why Jump on Demand is no longer as attractive to me as it once was. Too many stipulations and red tape, IMO. The process has become a hassle.

    Glad I went back to EIP.
     
  12. MadeByApple macrumors regular

    Joined:
    Oct 8, 2015
    #12
    Sounds like a class action lawsuit waiting to happen.
     
  13. rob.james.arias thread starter macrumors regular

    rob.james.arias

    Joined:
    Apr 20, 2015
    #13
    Good to know. Thanks for that!
     
  14. jiehanzheng macrumors member

    Joined:
    Jul 24, 2014
    #14
    Too bad...they require arbitration opt-out, which most people wouldn't notice (I did opt-out)
     
  15. Two Stacks macrumors regular

    Joined:
    Apr 22, 2015
    Location:
    New Orleans
    #15
    Sprint requires down payments now too. companies change and adapt to customer tendencies.

    in OP's case, he likely has 3 decades of stellar credit history. however, the companies are looking at it like, hey we have all these customers who are on device payments, who never pay their bill on time, or are always on payment arrangements, wanting to always get a new phone. now we will require Deposits on these more expensive phones so that customers decide whether they REALLY want these phones.

    There are lots of people who have device payments on phones with carriers that they simply can't afford and should really be on prepaid carriers, but those phones are not as attractive. still more who owe all 4 of the big companies money...that's why you now have device payments, and now very recently mandatory deposits regardless of credit.

    maybe some ppl complained about $35+ monthly payments on phones so they decided to institute the deposits to lower the device payment costs. ppl forget that these companies are charging 0% interest and they know if they stop that no one will upgrade. this is their way of getting money from you even though they don't profit off of that deposit....they profit on us paying our bills on time, and remaining long time customers.
     
  16. TinyChip macrumors regular

    Joined:
    Sep 19, 2015
    Location:
    California
    #16
    I tweeted T-Force last week asking whether they run a hard credit check for existing customers who want to upgrade to a new phone. I got this reply:

    “T-Mobile only hard check you when you open your T-Mobile account, then every couple of months they soft check you to check your credit class so that when you order any new devices there are no hard checks against your credit as they already know your class and make offers of devices based on your most recent credit class update. *

    Based on a hard credit check at the time you first opened a T-Mobile account, you are put into a Credit Class, which is proprietary information used by T-mobile. They will not re-run a hard credit check just so you can change to a different credit class (because you believe your most recent credit score is now better than it was when you started with T-Mobile). Your credit class determines the line limits and deposit.

    To qualify for zero down on JOD, you must be in credit class A, B, W, or 4, have tenure of 3+ years, and at least 12 consecutive months of timely payments.
     
  17. Banich2 macrumors regular

    Joined:
    Apr 21, 2015
    Location:
    San Francisco, California
    #17
    Wait, did you ask your friends their credit scores?
     
  18. ray737 macrumors 6502

    Joined:
    Sep 11, 2014
    #18
    I also have a credit score in the 830s and was told for the iPhone X 256Gb there was a down payment required so that customers will have a lower monthly payment. I said why not give customers the option to pay zero down and higher monthly as the Apple IPhone Upgrade Program. The agent went on to talk about the high cost they incur from JOD as people trade up from 8 Plus to X after a few weeks etc...

    Overall the down payment is a ripoff if you’re only keeping your phone for 1 year and just trade it in because when you do the math over 12 months you paid more than half of the cost of the phone. Best option would be pay off the phone and sell it or just pay full price.
     
  19. Banich2 macrumors regular

    Joined:
    Apr 21, 2015
    Location:
    San Francisco, California
    #19
    What does?
     
  20. jamesrick80 macrumors 68020

    jamesrick80

    Joined:
    Sep 12, 2014
    #20
    Nothing is a scam if you can simply ask the customer service representative about the details and get the facts....you got the facts and was disappointed. :rolleyes:
     
  21. rob.james.arias thread starter macrumors regular

    rob.james.arias

    Joined:
    Apr 20, 2015
    #21

    Incorrect. I didn’t get any facts, I got the run around and incorrect information.

    Advertising “get the device you want, when you want” and pairing that with a track record of $0 down payments for the last several years is one thing. Waiting till launch day knowing people with JOD will want a certain device and not advertising the “down payment” anywhere, that is scamming. It feels like old fashioned bait and switch. $0 down iPhones was how I was sold on JOD and also why I pay a premium on my account. Now paying a premium makes no sense, especially if I want to jump to another device, that down payment is forfeited. In actuality I can’t get the device I want when I want unless I want to lose out financially to the tune of several hundred dollars.
    --- Post Merged, Oct 31, 2017 ---
    Yes.
     
  22. lordhamster macrumors 6502a

    Joined:
    Jan 23, 2008
    #22
    Honestly, I got sick of all of these little schemes and policies etc years ago. Now I just buy phones outright, and sell them on Swappa when I'm sick of them. So much less stress...
     
  23. dannyar macrumors 6502a

    Joined:
    Feb 2, 2007
    #23
    You are just speculating. Theres a reason they charged you the down payment and you just haven't figured it out. I have 8 lines on my account. 4 of them on JOD which all had iphone 8 pluses. All 4 of us jumped to the X on launch day and not one of the lines required any down payment. $0 down. We have been with tmobile for over 3+ years, have great credit and don't miss payments. You unfortunately fall under one of those categories in which you either have not been with tmobile over 3 years, have maybe missed a payment at one point or another, or have mediocre credit which you seem to have ruled out.
     
  24. rob.james.arias thread starter macrumors regular

    rob.james.arias

    Joined:
    Apr 20, 2015
    #24

    No missed payments.

    All I can surmise is the three year stipulation is what was at play. If I had been told that on the phone during order, it would have still made me upset but I do understand policy.
     
  25. ray737 macrumors 6502

    Joined:
    Sep 11, 2014
    #25
    It seems like the 64GB iPhone X is $0.00 down and the higher 256GB requires the 429.99.

    [​IMG]
     

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51 October 27, 2017