AVOID THIS COMPANY AT ALL COSTS!!!

I applied for a line of credit through UAS from an initial purchase through Laseraway. All of my purchases have had special promotional finance periods to which no interest shall be charged as long as I pay the balance in full before the promo period ends. Which I’ve complied with. My due date is the 16th of the month. I've made payments in the past on the 26th of the month within my 10 day grace period. Nowhere in the contract does it state if my payment isn't paid by the end of the grace period, that I'd lose my promo period and charged interest. The payment for August was submitted before the 26th in advance to be paid on the 26th and I chose that date due to being within the grace period. I wasn't charged a late fee therefore I wasn't late. I have an email that shows the payment was there and pending/processing on 08/25/23. On the transactions it shows it was submitted/received on the 26th, but not processed until the 27th. That was not due to any issue on my end as I had submitted the payment in advance to be paid on the 26th, as well as my bank processed it at at 5:45 AM on 08/26 well before the 5pm CST cut off. My payment on July 26th was received on the 26th and processed on the 26th. It doesn't take "24 hours" to be posted. The payment has to be made before 5PM CST which it was as it was setup in advance and confirmed to be pending/processing on 08/25/23.

My charge slip for my purchases which all have special promotional financing state, "No interest will be charged on this promotional purchase if you pay the amount financed in full for this purchase within the applicable promotional period. If you do not pay the full balance of the amount financed for this purchase, interest will be charged from the date of delivery. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases." In my retail installment agreement(contract), it states, " Your due date is at least 23 days after the close of each billing cycle. Interest will begin accruing on purchase(s) from the purchase date OR as specified on your charge slip. We will charge you interest on your purchase(s) so long as you have a balance OR according to the terms of any special promotional financing offers that may be applicable to your purchase(s)." All of these purchases have special promotional financing. Therefore, no interest is to be charged as this is against the contract from the charge slips. Therefore regular account terms DO NOT APPLY since the promo periods haven't expired.

Finally, I contacted the manager at Laseraway Roseville who contacted her UGA finance team and they left a comment on my original case that was opened on 09/20/23 and closed the next day. She confirmed this is against my contract on the charge slips. Case #03652466 9/20/2023 [email protected] - Jeannette Kennedy - uPortal360 - Consumer has attached his statement. His promotional dates are showing an end date of 08/26/2023 on all packages in UAS system which is different than what's on his contract please see the attached statement provided by the consumer, and adjust accordingly.

Case number - 03653356 On 09/22/2023 IT left a comment stating please reinstate promotional financing on charge slips 2,3,4,5,6. Today on 10/9/2023 the case was closed, stating it was denied because I didn't pay on the 16th. I've paid after the 16th throughout the year, utilizing the grace period and this hasn't happened. The goal posts keep moving stating I made the payment outside of the grace period because it was received on 08/26/2023 but not processed until 08/27/2023 and that I didn't pay it by 5:00PM CST. The payment was setup in advance, was confirmed by email from you on 08/25/2023 that the payment was pending/processing, and my bank processed the payment on 08/26/2023 at 5:45 AM which I have proof of. The definition of a grace period isn't to just avoid a late fee, it's a period to resolve and avoid action as long as the obligation is satisfied during the grace period, which it was.

I don't understand where this can be forwarded to your internal department for review, for them to agree and state to reinstate my promotional financing, for then it to be denied. If this isn't resolved I'll be seeking legal action as I've submitted all proof necessary that demonstrates this is breaching my contract. The charge slips override the installment agreement in that interest shall not be charged as long as the full balance is paid BEFORE the promotional financing period ends. The goal posts keep getting moved stating, it's because it was processed on the 27th and that's outside the grace period, to then it's because I didn't pay by the 16th, to which apparently, a grace period means nothing, other than a late fee not being charged. I've attached all proof necessary per the stipulations of my installment agreement/charge slips. The charge slips supersede the installment agreement when it comes to interest per the installment agreement! You Can't Charge Me Interest BEFORE the promo period ends if I've not paid the balance in full.

This company has the most unprofessional, rude, customer service reps even if you speak to a “supervisor”. They will talk over you, be condescending, and tell you incorrect information. DO NOT DO ANY BUSINESS with this company. They are a SCAM!!!

AVOID THIS COMPANY AT ALL COSTS!!!

I applied for a line of credit through UAS from an initial purchase through Laseraway. All of my purchases have had special promotional finance periods to which no interest shall be charged as long as I pay the balance in full before the promo period ends. Which I’ve complied with. My due date is the 16th of the month. I've made payments in the past on the 26th of the month within my 10 day grace period. Nowhere in the contract does it state if my payment isn't paid by the end of the grace period, that I'd lose my promo period and charged interest. The payment for August was submitted before the 26th in advance to be paid on the 26th and I chose that date due to being within the grace period. I wasn't charged a late fee therefore I wasn't late. I have an email that shows the payment was there and pending/processing on 08/25/23. On the transactions it shows it was submitted/received on the 26th, but not processed until the 27th. That was not due to any issue on my end as I had submitted the payment in advance to be paid on the 26th, as well as my bank processed it at at 5:45 AM on 08/26 well before the 5pm CST cut off. My payment on July 26th was received on the 26th and processed on the 26th. It doesn't take "24 hours" to be posted. The payment has to be made before 5PM CST which it was as it was setup in advance and confirmed to be pending/processing on 08/25/23.

My charge slip for my purchases which all have special promotional financing state, "No interest will be charged on this promotional purchase if you pay the amount financed in full for this purchase within the applicable promotional period. If you do not pay the full balance of the amount financed for this purchase, interest will be charged from the date of delivery. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases." In my retail installment agreement(contract), it states, " Your due date is at least 23 days after the close of each billing cycle. Interest will begin accruing on purchase(s) from the purchase date OR as specified on your charge slip. We will charge you interest on your purchase(s) so long as you have a balance OR according to the terms of any special promotional financing offers that may be applicable to your purchase(s)." All of these purchases have special promotional financing. Therefore, no interest is to be charged as this is against the contract from the charge slips. Therefore regular account terms DO NOT APPLY since the promo periods haven't expired.

Finally, I contacted the manager at Laseraway Roseville who contacted her UGA finance team and they left a comment on my original case that was opened on 09/20/23 and closed the next day. She confirmed this is against my contract on the charge slips. Case #03652466 9/20/2023 [email protected] - Jeannette Kennedy - uPortal360 - Consumer has attached his statement. His promotional dates are showing an end date of 08/26/2023 on all packages in UAS system which is different than what's on his contract please see the attached statement provided by the consumer, and adjust accordingly.

Case number - 03653356 On 09/22/2023 IT left a comment stating please reinstate promotional financing on charge slips 2,3,4,5,6. Today on 10/9/2023 the case was closed, stating it was denied because I didn't pay on the 16th. I've paid after the 16th throughout the year, utilizing the grace period and this hasn't happened. The goal posts keep moving stating I made the payment outside of the grace period because it was received on 08/26/2023 but not processed until 08/27/2023 and that I didn't pay it by 5:00PM CST. The payment was setup in advance, was confirmed by email from you on 08/25/2023 that the payment was pending/processing, and my bank processed the payment on 08/26/2023 at 5:45 AM which I have proof of. The definition of a grace period isn't to just avoid a late fee, it's a period to resolve and avoid action as long as the obligation is satisfied during the grace period, which it was.

I don't understand where this can be forwarded to your internal department for review, for them to agree and state to reinstate my promotional financing, for then it to be denied. If this isn't resolved I'll be seeking legal action as I've submitted all proof necessary that demonstrates this is breaching my contract. The charge slips override the installment agreement in that interest shall not be charged as long as the full balance is paid BEFORE the promotional financing period ends. The goal posts keep getting moved stating, it's because it was processed on the 27th and that's outside the grace period, to then it's because I didn't pay by the 16th, to which apparently, a grace period means nothing, other than a late fee not being charged. I've attached all proof necessary per the stipulations of my installment agreement/charge slips. The charge slips supersede the installment agreement when it comes to interest per the installment agreement! You Can't Charge Me Interest BEFORE the promo period ends if I've not paid the balance in full.

This company has the most unprofessional, rude, customer service reps even if you speak to a “supervisor”. They will talk over you, be condescending, and tell you incorrect information. DO NOT DO ANY BUSINESS with this company. They are a SCAM!!!

AVOID THIS COMPANY AT ALL COSTS!!!

I applied for a line of credit through UAS from an initial purchase through Laseraway. All of my purchases have had special promotional finance periods to which no interest shall be charged as long as I pay the balance in full before the promo period ends. Which I’ve complied with. My due date is the 16th of the month. I've made payments in the past on the 26th of the month within my 10 day grace period. Nowhere in the contract does it state if my payment isn't paid by the end of the grace period, that I'd lose my promo period and charged interest. The payment for August was submitted before the 26th in advance to be paid on the 26th and I chose that date due to being within the grace period. I wasn't charged a late fee therefore I wasn't late. I have an email that shows the payment was there and pending/processing on 08/25/23. On the transactions it shows it was submitted/received on the 26th, but not processed until the 27th. That was not due to any issue on my end as I had submitted the payment in advance to be paid on the 26th, as well as my bank processed it at at 5:45 AM on 08/26 well before the 5pm CST cut off. My payment on July 26th was received on the 26th and processed on the 26th. It doesn't take "24 hours" to be posted. The payment has to be made before 5PM CST which it was as it was setup in advance and confirmed to be pending/processing on 08/25/23.

My charge slip for my purchases which all have special promotional financing state, "No interest will be charged on this promotional purchase if you pay the amount financed in full for this purchase within the applicable promotional period. If you do not pay the full balance of the amount financed for this purchase, interest will be charged from the date of delivery. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases." In my retail installment agreement(contract), it states, " Your due date is at least 23 days after the close of each billing cycle. Interest will begin accruing on purchase(s) from the purchase date OR as specified on your charge slip. We will charge you interest on your purchase(s) so long as you have a balance OR according to the terms of any special promotional financing offers that may be applicable to your purchase(s)." All of these purchases have special promotional financing. Therefore, no interest is to be charged as this is against the contract from the charge slips. Therefore regular account terms DO NOT APPLY since the promo periods haven't expired.

Finally, I contacted the manager at Laseraway Roseville who contacted her UGA finance team and they left a comment on my original case that was opened on 09/20/23 and closed the next day. She confirmed this is against my contract on the charge slips. Case #03652466 9/20/2023 [email protected] - Jeannette Kennedy - uPortal360 - Consumer has attached his statement. His promotional dates are showing an end date of 08/26/2023 on all packages in UAS system which is different than what's on his contract please see the attached statement provided by the consumer, and adjust accordingly.

Case number - 03653356 On 09/22/2023 IT left a comment stating please reinstate promotional financing on charge slips 2,3,4,5,6. Today on 10/9/2023 the case was closed, stating it was denied because I didn't pay on the 16th. I've paid after the 16th throughout the year, utilizing the grace period and this hasn't happened. The goal posts keep moving stating I made the payment outside of the grace period because it was received on 08/26/2023 but not processed until 08/27/2023 and that I didn't pay it by 5:00PM CST. The payment was setup in advance, was confirmed by email from you on 08/25/2023 that the payment was pending/processing, and my bank processed the payment on 08/26/2023 at 5:45 AM which I have proof of. The definition of a grace period isn't to just avoid a late fee, it's a period to resolve and avoid action as long as the obligation is satisfied during the grace period, which it was.

I don't understand where this can be forwarded to your internal department for review, for them to agree and state to reinstate my promotional financing, for then it to be denied. If this isn't resolved I'll be seeking legal action as I've submitted all proof necessary that demonstrates this is breaching my contract. The charge slips override the installment agreement in that interest shall not be charged as long as the full balance is paid BEFORE the promotional financing period ends. The goal posts keep getting moved stating, it's because it was processed on the 27th and that's outside the grace period, to then it's because I didn't pay by the 16th, to which apparently, a grace period means nothing, other than a late fee not being charged. I've attached all proof necessary per the stipulations of my installment agreement/charge slips. The charge slips supersede the installment agreement when it comes to interest per the installment agreement! You Can't Charge Me Interest BEFORE the promo period ends if I've not paid the balance in full.

This company has the most unprofessional, rude, customer service reps even if you speak to a “supervisor”. They will talk over you, be condescending, and tell you incorrect information. DO NOT DO ANY BUSINESS with this company. They are a SCAM!!!