Does a soft pull of your credit even show up as an inquiry? Maybe that is why you did not see it. Either way with a credit score over 800 they should have waived any down payment regardless.
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T-Mobile JOD iPhone X Scam
- Thread starter rob.james.arias
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Does a soft pull of your credit even show up as an inquiry? Maybe that is why you did not see it. Either way with a credit score over 800 they should have waived any down payment regardless.
It’s not the same price. Do the math for 12 months plus down payment. Even TMO admits it will cost a bit more because of the down payment.
You are wrong. The down payment is subtracted from the total price of leased amount and your monthly payment is drastically lower than those who put $0 down.
That is not what was explained to me by customer care or on twitter.
I don't see anything there that would have you believe that you pay more for a phone if you put a down payment over the long haul. What are you not understanding? All the rep is telling you is that after a year of payments plus the down payment you made, you would have already paid more than half the phone off. The monthly payment is what matters here and you are not providing that information. Under JOD you are not leasing the full $999 price of the device. Its closer to $750 which shows on my current JOD agreement for the X. Those $750 are divided over 18 months of JOD which is roughly 41$ and change. At the end of the 18 months if you want to buy the phone outright you must pay the full remaining balance of the retail price which would be roughly 150$. If you are being required to put money down for example $279 which is what people are claiming they are being charged for a 64gb on JOD then that $279 will be deducted from the $750 lease price. That leaves $481 over 18 months leaving it at roughly $27 a month. That would be your monthly payment with the down payment
I am not talking about the cheaper 64GB Phone. That’s not the issue. It’s the 256GB when looked at in 1 year if a person decided to upgrade to the newest he/she would have paid more than half of the price in that 1 year due to the down payment. I already paid full price for my phone that I will sell on swappa next year so fortunately this JOD “deal” won’t be an issue for me.
What does it matter?? Are you not understanding?? The down payment is deducted from the total lease price so your monthly payments will be lower. So who cares if more than half is paid off after a year? Pay the rest off then sell the device yourself instead of turning it back in to tmobile and make your money back. Your point about the phone costing more is not true. What you are complaining about is the fact that after a year you would of paid half of the price of the phone. 2 different points you are arguing.
Sure that’s up to the individual they can easily pay off the balance and sell the phone. I do understand. I’m pretty much done discussing this.
I have learned the hard way to just either do a EIP or pay for the device in full. All other programs just seem to be some kind of gimmick. I am with AT&T and their BOGO and all promotions are next to impossible to actually get. I fell prey to them a few times, but not anymore.
Tell me what about JOD makes it a gimmick? Seems like only those don't qualify for all its perks think its a gimmick.
The only promos you should take advantage of are the trade in promos that:
1. Give you bill credits to lower your device payments.
2. Can be used to put a voluntary down payment on the phone, lowering your device payments.
OR
When best buy does a promo to take $$$ off, lowering your monthly payments.
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I agree. No matter what, you have to have half the phone paid off. What OP doesn't understand is that he does NOT have to keep the phone for 12 months, only until half the phone is paid off.
1. Give you bill credits to lower your device payments.
2. Can be used to put a voluntary down payment on the phone, lowering your device payments.
OR
When best buy does a promo to take $$$ off, lowering your monthly payments.
[doublepost=1509471416][/doublepost]
I agree. No matter what, you have to have half the phone paid off. What OP doesn't understand is that he does NOT have to keep the phone for 12 months, only until half the phone is paid off.
I understand full well I don’t have to keep the phone for 12 months. I just have never had a down payment, and the reason given did not match the criteria provided in the past. I do understand now, that it is most likely due to me having only been a tmobile customer for 2 years and 11 months. I also understand that the JOD is a bum deal now and I will use apple IUP next year instead.
Exactly!!! The Apple IPhone Upgrade is way better than TMO Jump or that other nonsense
How so? tmobile monthly payments are lower, you also get the added benefit of being able to pay an extra $12 a month and that includes apple care+. Don't get salty cause you don't qualify for the tmobile perks.Exactly!!! The Apple IPhone Upgrade is way better than TMO Jump or that other nonsense
I qualify for the perks. TMO payments are lower because u have to pay a down payment. $12 monthly only to pay whatever the deductible is if u lose a phone GMAFB. AppleCare is included with Apple upgrade program.
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It is a gimmick. I qualified for the best but there is still so much fine print its absurd. Each to your own. You seem to like it a few here don't.
Well, what is kind of ******** is that tmobile sent a note to other jump on demand customers telling them that down payments would be required in August 2018. Until then, no down payment for the base model. So, Tmobile is kind of lying here and implemented before what was promised. Picture for proof.
Attachments
I was able to get an iPhone X with $0 down. Payments are about $42 a month so not much more than what I am paying for my 8. I have been with T-Mobile for over 3 years and never made a single late payment.
From what I read it seems a base model should have nothing down which in this case would be an 8 64gb the iPhone X could be considered a top of the line in T-Mobile regardless of memory size
From what I read it seems a base model should have nothing down which in this case would be an 8 64gb the iPhone X could be considered a top of the line in T-Mobile regardless of memory size
This and the $430 down payment for the 256GB are complete bull. Made me switch to Apple's iUP, since it's just going to get worse next year.
Let me preface this by saying I know little about JOD program and am not a user of it. However, I would look into the exact terms and details that you inevitably check marked when going through payment. I'd be willing to bet it has some sort of term or condition that requires each user to meet a certain grace period per device in order to bar the down payment. It sort of makes sense why they did it, not trying to defend them, but if you ordered an 8 and only kept it a month then wanted a new phone from them, they are receiving back a depreciated asset which is once again their responsibility. Multiply these actions by thousands of people, and you're looking at quite an expensive situation to address.
That is a fair assumption, however, the premise of JOD is to allow the consumer to have any phone they want at any time... This freedom comes with an added expense assumably/obviously to offset the cost of people switching devices. That said and after doing some thorough research, I believe T-Mobile required everyone who had less than three years with them to pay a deposit. I find this a bit disconcerting as it was not a policy before, and at a whim it became policy. What is to stop them to changing it to 5 years or 8 years? Nothing really. The JOD feature was used as a mass marketing approach to onboard new customers, I believe T-Mobile did well with it and now have a user base they are satisfied with. Pair this with the potential merger/purchase of Sprint, T-Mo needs to be as profitable as possible even if in the short term so as to build its coffers in preparation for what may be a costly addition.
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That's good stuff right there!
I went back and forth with T-mobile for weeks on this via phone, twitter.... I was a business customer with two lines, decent credit and on JOD program. They flat out refused to give me the phone for $0 down. Which really pissed me off, because that defeats the whole purpose of JOD. So after all that struggle and a waste of time, I traded my iPhone 8 for the cheapest Android they had, paid it off, and switched to Verizon, who gave me iPhone X with $0 down. It is hard for me to believe that T-mobile would be so stupid as to lose a multi-line customer worth over $2K to them a year over a lousy $270 down payment. But they did. What a bunch of tools. Verison's service is way better, anyway.
This isn't in defence of TMO, rather the opposite, but you talk to a five different reps and you are bound to get four different answers, no matter here you go. TMO, in particular, is constantly changing their deals and offers. I mean any given month they have something new an exciting going on. I am not, for a second, surprised that reps aren't on top of things (again, just giving a reson not an excuse).
Just doing JoD on my wife's phone from the 7 to the 8 was a nightmware due to how the phones were originally ordered; we had two JoD devices on one line. The first rep told us only in store could help us. The in store rep said we would have to pay off the phone and trade it in despite it being their msitake. The third rep (in store phone call to their help department) confirmed this was the case. I called in (fourth rep in case you lost count) and was told all they had to do is move the phones over manually, he did that, and told me I could either order through him or go back to a brick and mortar store and order there. I was in disbelief and would have bet all the mone in the world it wouldn't work... and yet we walked out with an iPhone 8 within 30 minutes of walking in.
All that said (I skimmed the thread), I do not believe this is a scam, merely protection against people swapping $1000 phones out. Thius 3 year customer time (I have only been a customer 2 years 2 months myself) seems to be a number corporate is happy with. I imagine that reason is they have already made their money off of you as opposed to a person who hops on the network, tries three phones out in three months, and decides the network isn't for them; TMO has lost $100s to $1000s on that individual.
I do wish they would have been clearer. The "3 year rule" isn't exactly hard to grasp or understand if they simply spelled it out. Of all places, the facebook rep (once authenticating my account) through messenger gave me the most correct info of everyone I talked to. Since I didn't benefit from JoD this time I opted fro EIP. The "good news" is they are just upgrading everyone buying iphones to their standard iphoe upgrade program anyway; once you have paid off 50% of your iphone you can trade in for another. I plan to just do this moving forward; if the next phone is worth my time I will buy it, otherwise continue payments.
Just doing JoD on my wife's phone from the 7 to the 8 was a nightmware due to how the phones were originally ordered; we had two JoD devices on one line. The first rep told us only in store could help us. The in store rep said we would have to pay off the phone and trade it in despite it being their msitake. The third rep (in store phone call to their help department) confirmed this was the case. I called in (fourth rep in case you lost count) and was told all they had to do is move the phones over manually, he did that, and told me I could either order through him or go back to a brick and mortar store and order there. I was in disbelief and would have bet all the mone in the world it wouldn't work... and yet we walked out with an iPhone 8 within 30 minutes of walking in.
All that said (I skimmed the thread), I do not believe this is a scam, merely protection against people swapping $1000 phones out. Thius 3 year customer time (I have only been a customer 2 years 2 months myself) seems to be a number corporate is happy with. I imagine that reason is they have already made their money off of you as opposed to a person who hops on the network, tries three phones out in three months, and decides the network isn't for them; TMO has lost $100s to $1000s on that individual.
I do wish they would have been clearer. The "3 year rule" isn't exactly hard to grasp or understand if they simply spelled it out. Of all places, the facebook rep (once authenticating my account) through messenger gave me the most correct info of everyone I talked to. Since I didn't benefit from JoD this time I opted fro EIP. The "good news" is they are just upgrading everyone buying iphones to their standard iphoe upgrade program anyway; once you have paid off 50% of your iphone you can trade in for another. I plan to just do this moving forward; if the next phone is worth my time I will buy it, otherwise continue payments.
T-mobile made a mistake and gave you a regular installment financing plan(Not JOD). The same thing almost happen to me. They tried to charge me over $250 deposit for my Note 8. But they was putting it under the wrong phone number in my account. You must make sure it's under the right number in your account and make sure it's under the existing JOD.
T-mobile will screw you over if you are not specific. That's one of their few cons.