YBUY and Cricket Wireless Decrptive practices of ybuy financial and Cricket Wireless. Nationwide

My daughter purchased a phone from Cricket Wireless, and was steered to YBUY Financial to set up a payment plan

she has paid approximately $600, within a 4 month period, for the phone. Now she is being told that she still owes $500. The purchase price was $600. She was not told about this exorbitant penalty for not paying it off in 90 days. Cricket Wireless is also a party to this rip-off, as they failed to properly inform my daughter of the consequences of not paying in 90 days. I am appalled that YBUY and Cricket Wireless are engaging in such unscrupulous practices. My research showed that others are also victims of this practices. Prospective customers should be aware.