Non-Compliance with Internal Procedures

Dear PayJoy Team,

I am writing to formally lodge a complaint regarding the handling of my account and the negative impact it has had on my credit profile.

Despite following the required steps on my end, it has come to my attention that PayJoy has submitted my profile to debt collectors. This action is in direct conflict with the internal procedures I was advised to follow, and it has resulted in an unjust negative listing on my credit record.

I have already submitted the phone and requested the termination of the contract. However, this request appears not to have been processed appropriately on your end. I am now being unfairly penalized due to administrative delays or oversight from your side.

I kindly urge you to:

Immediately process the submission of the phone and terminate the contract as initially agreed.

Remove any negative listing from my credit profile with the relevant credit bureaus.

Confirm in writing once this has been done.

Please treat this matter with the urgency it deserves, as it is affecting my financial credibility. I expect prompt resolution and feedback