Dissatisfaction

I am honestly no longer Happy with payJoy they are now doing day light ******* you pay for your phone and they still lock it,you try to call them they take forever to respond,and they still expect you to pay on time the next following due date not to mention the percentage of the payment from 5% up each time you Pay to 2% I hope people will do their proper research before doing business with payjoy and thanks for nothing to relebogile you responded to my email not understanding what was it about.