WhyNotLeaseIt
Reviews and Complaints

We have it set up every month on auto pay. They tell me every month that my payment was declined and yet magically it processes the very next day. So with this the company takes out an additional $20.00 every month. I have called numerous times and all I get is " well that's our policy, when a payment is declined" and every month I have to tell them look on your computer because this happens every single month. Once this is paid I will never use them again.

I purchased the product in 2012. I had a $800 credit & I paid faithfully every month. I was told that if I paid it off within a certain time that would be all. So I paid it off well I thought I did. I check my credit report & they are saying I owe $755 for that. I received a letter 2 weeks ago & they put it on my credit report in May 2019.So this why not lease is a scam & I thought I was finished paying because I never heard anything from them. The last conversation I had in 2013 was they was gonna send me out a letter stating I owned the merchandise never heard until now. Is there a way I can get this resolved because no one picks up the phone

I arranged to have items picked up at a local Sears Outlet for furniture. I cancelled the items and was still charged for approximately $1300. I contacted the Sears to cancel the items and I contacted Why Not Lease It to cancel the items. I have an email from last year saying that the items were cancelled and still at the Sears Outlet and no response. So now I am out $1300 and attempting to get a refund for items that were not "returned" not "bought out", but instead were cancelled and due to lack of communication I was being charged on my credit card $280 a month and had to freeze my card because no one would cancel the items. I am simply confused as to why this situation needs any resolution other than refund me my money because I never had possession of the items. Sears had possession of my items and still does and apparently collecting money for items that will be re-leased or sold brand new is not only unfair by fraudulent. Please refund my money!

I purchased 2 leases from why not lease it.
Everything was fine I put in for my buyout
Which seemed to be ok. Then all of a sudden
They kept going into my checking account
For the lease payment! I spoke to them they assured me they would not do it again! Then
Boom they were in my account again they did
It do much my bank chase flagged them for fraud! They assured me they would resolve the matter I said great never herd from them
They sent my lease to
A collection agency even though they were paid. They lie tell you anything sound real nice and keep screw you.

We paid 9 months on payments on $1600. 2 payments shy of our buyout, "they had a ‘problem' with the payment." I called to resolve the issue. Since both my husband and I were on the loan, and I had been making all the payments, right, you would think there wouldn't be a problem. Wrong. I had been paying on an account that didn't have my name on it! And now That I was trying to resume payments out of MY checking account they "didn't want to talk to me" or take my payment. This was in 2016. Now they are attempting to collect $2200. No, thank you. You refused payment. I see as the debt is cleared.

This is the worst company I have ever came in contact with. I can't believe Sears is affiliated with these scammers! I had a lease with the of $755 with a monthly payment of $140 of 5 months was my understanding but that is so not tuuhe case. After paying $680 after 5 months that's when the troubles began. After the 5 months of paying $140 then you request a payout which is now $415 or continue to make a payment of $132 until 7/2020. This company is full of it. I could have bought 3 stoves after all of this! I am so angry. They really need to shut this business down!

I went to Sears to get a dryer since I recently moved, and picked one out that was about $440. By the time I'm done paying it off, I will have paid about $1300. I was told that I had either a 3 month or 5 month period to pay it off, but was never informed that 1.) I had to manually set up a payment plan with, guess what, more monthly payments, and 2.) That it wouldn't go through on 2 separate occasions. I set it up after the initial payment period, and thought it was done, after a payment went through I noticed it was after the final payment should've went through. I set it up again and the EXACT SAME THING HAPPENED. After the third time it FINALLY went through I still have to pay 3 payments of about $75, the same as my monthly payments before. 100% getting several hundred back after this. NEVER USE THIS COMPANY. I was told I would own it after the 5 month plan was up and that was it. Straight up FRAUD.

Went to sears on 07/18/2018 was told we can lease to own a riding lawnmower 4 payment of $314.05 for a total payout of $1, 316.20. Now being a family of 10 and being on a fix income that was some very hard payments but we made them. Now we are almost a year later and we still making payments. Went we reach out to customer Svc they are very rude and saying that we still owe them money. I'm like we done paid you way more than what the original cost of the mover. We shouldn't owe you anything where is our title... long story short DON'T use this company they are a Scam and they will RIP YOU...

I bought a washer and dryer through the program. I was told that once I made six payments it would be paid for. I was not told that I would have the option of buying it. I though once I finish my six months it would be paid for. I purchased a dryer for 250 and a 600 dollar washer. I have paid for them twice already. This program needs to be discontinued. If I had known I was leasing to rent and not own I could have went to rental center and my payments would have been cheaper. This is a rip off program. Sears you ought to be ashamed that's why you are going out of business.

I leased a pool like 2 years ago, paid all my payments, was told that I could buy out the last payment or I could finish with biweekly pymnts. I chose to make 3 $91 payments, and that's after 6 months of $59 biweekly payments. Gave them my card number and all info they asked for. They kept calling me about my payments not going thru, called the bank, was told they never tried taking it out, now tempoe are charging me 786 more for a $450 pool. This company is not a good company

When I went to purchase a fridge from this company I was told I would pay a total of 8 payments and the item would be mine. I was lied to. 18 payments and I have to pay a additional 600. For a fridge that cost 900. It ended up being over 2k. I get constant calls for the survey, even if I do the survey they call back 10 mins later. Take payments when they want and in the amount they want. Today was supposed to be a payment of 101. They took 270.

My husband and I went to the Sears Outlet in Dallas when our washer and dryer went out with cash in hand to purchase new appliances (After completing our due diligence and price matching at other stores all over the metroplex). When we arrived, we picked out the set that we wanted and went to the counter to purchase them as they were a couple hundred dollars cheaper there then anywhere else. We were told that we didn't have to pay cash that day and could finance the set with 0% interest with their new financing option. We figured why not? Less money out of our pocket immediately. The sales woman completed the paperwork and we paid more down than was required, all the while being told by the sales woman that this would reduce our payments, as a typical finance would work. Read that again... We paid MORE than the down payment required. We were never given a contract to sign when our transaction occurred, we were told to click a button on the computer/register to acknowledge what we had been told by the sales associate and then signed our receipt. We completed the transaction and were handed our receipt, which clearly states that our final payment date would be 1/7/2019. It is now past our final payment date and this company is still auto drafting our account over $400 a month. A little back story, I am a legal contracts administrator, I write and audit legal contracts for a living and have done so for over 15 years, so I am ALWAYS skeptical when entering into a contract or agreement and thoroughly read EVERY contract we sign. Not once did we ever receive a contract, we were told that the details were on our receipt (which again, CLEARLY states that our financing would complete 1/7/2019 and we would have paid off the appliances) I called this company to see why they are still drafting payments from our account and was informed that they are a leasing company, not a financing company. I advised that this is not what we were told when we purchased the appliances and not what the documentation I have in hand says, and that if this had been the case, we would have paid cash as we had originally intended. I advised that nowhere on our receipts or documentation that we received at the time of purchase does it state that this was a lease. The customer service rep (who barely spoke English and appeared to understand even less) continued to argue with me that we still owe the money and if we would like to purchase the appliances (to which we have already paid over $3000.00 dollars for) we would need to pay an additional $1500. I continued to argue that this is not what was agreed to as per the documentation that we signed and were given copies of and at the time of purchase we were told that we could pay off early or continue with our payments until the final payment 1/7/19 at which time we would have paid off the appliances. He continued to argue that it didn't matter what papers I had said or what I was told in the store, that we did not own the appliances and they would not only, not refund the additional payments that they have taken but would continue to auto draft our account for additional payments, but we could pay the buy-out or we could return the appliances in like new condition with normal wear and tear considered and terminate the lease for a fee. I explained that the appliances were bought in the ding and dent section already damaged as I didn't care about external scratches. I also advised that when they were delivered the delivery men didn't remove the shipping rod in the washer and even though it works well enough we would not be held responsible for any damages that were not caused by us. He argued with me. Needless to say, the conversation went nowhere. We will be contacting our bank to have the authorization for them to draft our account revoked and we are going to the Sears outlet that we purchased the appliance from with our documentation and speaking with someone there. I have already spoken to my attorney who has advised that we have a case in this matter, because it DOES matter what the documentation I have states and it does matter what we were told in the store by their sales associate in order to get us to enter into a "contract", and if this is not resolved by other means, with the returning of our money and a letter of proof of purchase without any additional monies being paid, per the terms WE agreed to at the time of purchase, we WILL be taking this matter to court. The representatives in their customer service and at the locations are not trained in clearly explaining the situation of how this works, or even worse, they are trained to intentionally mislead the customers into thinking this is a finance agreement when it is not, and are incentivized with commissions by signing people up. They intentionally mislead customers and take advantage of them by misrepresenting this option and leading them to believe that they are financing their purchase, when in fact they are simply leasing it. Reading through the other complaints on this board, this appears to be the norm and their modus operandi. There are enough complaints over the web to confirm this and the intentional act of misleading customers in order to garner a signature on a contract and additional profit in your pocket is seen as bad faith and would prove in court that it is just that. I also agree with so many others that have posted, that a class action suit would be a fantastic idea. A company cannot fleece the public without consequence. It is called Fraudulent Misrepresentation and between all of the customer complaints, in the hundreds, that can be found with a simple google search, I would bet enough documentation could be found and statements of facts could be made, to convince a court that the above statements are true. Shame on you Sears.
*** Do not sign anything with this company unless you are intentionally wanting to lease your new items and pay 7-8-9 times what they are worth, no matter what you are told in the store - This is a LEASE, not a Finance company and a disreputable one at that - If you are wanting to lease, locate another reputable company to handle your transaction***

This company must be sue for their fraud, they are suppose to send me check of 120 they never send, I was keeping track of it by calling every time, first they said it's on way, next they said I have cashed the check, but I never recieve, it so keep calling them after 2 weeks they said someone have cashed it, I ask them copy of the check, after so many call and hassel, the sebd me image, but I don't see any name sing on back of check, but they deny to pay, it look like they have cashed the check, or some kind of big scam is going on to make people fool, need to sue this company, plz anyone do. Plz help stop their scam in this country.

Before I contact the BBB. I thought I would try to find some resolution here. I bought some tools and a tool box for a total of 900 and some odd dollars. I've already paid well over 1100 dollars and when I spoke to a representative today he told me i would still have to pay over 500 dollars if i want to buy my tools. He then informed me it is not a rent to own lease. This is the first I heard about this. Your practices are shameful at best. This was not how the agreement was presented to me. I expected it to be paid in full after 20 or so payments. Your ads and web site are misleading. the large number of complaints filed are an indication you may be doing business without taking your integrity into account. I would like to pay off my lease and end our relationship with your company. however i would like you to come up with a buy out that is fair to both you and I please advise as to how you can help this very disgruntled customer.

I purchased a washer and a dryer with my wife where the Sears in Bakersfield approved both of our credit line for up to $1800 for each of us, there for we were told that we would have to pay 20% of each product ahead which we paid and after completion of the total amount they took several thousand dollars out of my account. When we purchased the items we were told that the payments would stop after the completion of remaining balance, but it didnt. Upon my inquiry I called them about my complaint they said that we are renting the equipment not owning it and the thousands of extra dollars that were taken extra out of my account did not go towards the equipment.

My husband bought me a stove for Christmas at Sear's Outlet on Colerain Ave in Cincinnati, Ohio. When we went to pick up the stove on 12/26/18 I looked at the dishwasher's. I ask the associate how the leasing program worked. She stated you make 6 payments, then you own the appliance. I decided to lease a dishwasher, I made the first payment of $120 at the store. I read the receipt, and noticed it said at the end of lease there is a buyout almost the price of the appliance, or you can continue leasing. I ask the associate, who again told me no that's wrong, you will own it at the end of lease. As I continue to question she ask someone else, who then says if I pay it in 3 months I will then own it. I can pay in 3 months, but I have nothing that states that. They were unable to provide me anything saying 3 monthly payments would equal ownership. I told them I would like to cancel the lease, and would like the $120 refunded. They gave me a receipt with the cancel status, and told me the money would go back onto my card. It has not went onto my card, when I called today I was told a check would be mailed. They said they store can tell me one thing, but they can tell me another. What business says that? Even if that is true, that is not something you typically would say to the customer. So as of right now my money has not been refunded, I have to wait to see if the check really arrives. This is terrible customer service, I will leave a review on every site I can find. I am talking with my husband when I get home about taking the stove back.

I had no idea that I was basically renting my product, not rent to own just renting. Until I kept being charged for the product when I paid the cost of the product off, so I thought.
In order to own this 300$ piece of furniture I need to pay an additional 200$ on top of the 400+$ I have already paid.
No wonder Sears and Kmarts are shutting down all over. Why not lease it and store reps should make it clear that this is not a rent to own deal. You make it sound like credit but it isn't.
I am very disappointed!

I thought when using this company I would be paying off the pool that I bought from Sears online; however, this company has been taking out the money from my account past the original amount of the pool. I now am spending over 300 dollars more than the pool was originally supposed to cost. This company is a scam and should not be allowed to operate the way that it does!

I am writing to tell you sears employees are scammers. They told me my fridge would be paid in full after paying 1600.00. They told me I only had 9 payments to make. Stupid me, did not read the lease agreement because I believed the associate. I trusted sears to tell me this is what will happen. I will not own the fridge after all scheduled payments. I will have leased it and it is up to me to contact them and make a payout agreement of 900 after I've already paid for it. This was not said. I know I cant be the only person to complain to them. How deceitful!

Buyer beware. Scam! I have been leasing this stove since June. It states on the contract I will have paid 410$ at the end of lease. Well after paying 745$ I had the option through whynotlease it to purchase for another three payments of 82$. Well they didn't take the payment today as scheduled so I called them. They told me in the state of New Jersey I don't have the option w them to purchase that I need to go through flexpay. Well they put me through to them and they told me I have to start fresh with them and do an app over the phone to purchase. I said I have already paid over 300$ more than I should've on this stove and I'm not paying anymore than it says on the contract. And they knew my bank information too how's that I ask?! Because it's the same company! I refuse to let this go and I want a refund over the overage. What a scam never again I hope ppl don't fall for this like I did. Big mistake