Smartpay Charge excessive interest misleading contract San Francisco California Internet

 Purchased a phone that retails at 120.00 the misleading interest fees and other fees lead me into paying a total cost of 320.00 for a phone it's a lease to own plan with they hide behind by emphasizing your just leasing it rather than paying a loan as with most creditors. This seems almost criminal to do to people and the must be stopped they are preditors the prey on one of the biggest markets cell phones when most people go into these cell phone shops such as metro PC's the up sale you on cell phones and if you don't have the money they make it all to simple to buy now pay later with one of these plans they enroll you in the store and if you don't see the fine writing that's very misleading you become a new victim