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Cox Mobile Discount Deal is a Fraud in Conspiracy with Citizens Pay
The day before Thanksgiving, I purchased two iPhone 16 Pros through the "Cox Discount Program". I quickly discovered that Cox Mobile (Cox), Citizens Pay (Citizens), which is part of Citizens Bank, and Equifax, conspired to create a program that is a fraud. In order to avoid the illusion of a 24-month service lock, they created a fake 24-month line of credit (LOC) from Citizens in the name of the customer, with an amount equal to the discount going to Cox Mobile. Cox claims to pay the discount in 24 monthly payments on the customer's loan. The immediate impact of this fraud is to negatively impact the customer's credit score. I have spoken to several Cox and Citizens individuals (including 2 Cox supervisors and 2 Citizens Supervisors) and Citizens Bank Corporate Customer Service Department. So far both parties claim the other is responsible for this program. My next action will be filing complaints with the California Attorney General, Department of Financial Protection and Innovation, Better Business Bureau, and Public Utility Commission. In addition, this complaint will be filed with the U.S. Comptroller of the Currency and Consumer Financial Protection Bureau. I will be providing deals of this scam to all news agencies and as many message boards related to Cox and Citizens as possible. Lastly, I am going to be contacting elected officials to work with them to create legislation to ban this form of scam in California and Nationally. The discount program in reality is just a two-year service lock disguised as a fake loan. The fake loan amount is the full purchase price of the phone(s) in the name of the Cox customer. The fact is the customer borrows the funds for Cox and is responsible for repaying the loan if Cox does not make the monthly discount payment or makes their monthly payment late. Cox and Citizens created this fake loan so Cox can use borrowed funds to purchase the phones from the manufacturer and pass the liability for the loan to the customer. Therefore, Cox can pay the discount off over 24 months and have no liability for the borrowed funds. In fact, the customer has guaranteed the loan to Cox. This isn’t even the most negative aspect to the Cox customer from this fake transaction. The fake loan turns out to be an unrequested line of credit (LOC) for an amount greater than the borrowed funds. In addition, the unused LOC can only be used for purchases from Cox Mobile. The financing process uses Equifax to determine your creditworthiness and recommends the amount of LOC. The LOC has several negative impacts on your credit score. These negative items are: 1. an additional loan which will never come off your credit report, 2. the unused portion of the LOC will show up as additional available credit, even though you have virtually no use for it, and 3. the total minimum monthly payment (including the Cox discount portion) will reflect in the total amount of your monthly loan payments. These are the most egregious aspects to this fraud of a program. Other issues are Cox represented that the customer portion of the purchase price could be paid off at the beginning of the loan so that the loan would be immediately paid off. The loan agreement and Citizens responded by saying any additional principal payment would not change the monthly minimum payment amount over the 24 months. So, any additional principal payment would be duplicate paid over the life of the loan and the duplicate payment refunded at the end of the 24 months without interest. When contacting Cox about these issues they said I needed to contact Citizens as they are the lender. I contacted Citizens and they claimed the program was set up by Cox, so I need to contact Cox. Even a Citizens’ Corporate Customer Service representative passed responsibility to Cox. Therefore, it is readily apparent they have conspired to create this fraud and coordinated a process where neither party will assume responsibility. There are an infinite number of responsible ways this program could be structured to accomplish the goals of locking customers for 24 months and providing the stated discount. Unfortunately, this program, jointly created by Cox and Citizens is the worst-case scenario for Cox customers. When I first got into the details of this fraud my thought was that the person who designed this piece of crap was a marketing person with no understanding of personal finances. After multiple discussions with both parties, it became obvious the structure was intentionally designed so Cox customers assumed all the risk, responsibility and negative impact, while Cox assumes no liability.HTC612 days agoNew Contributor119Views1like3CommentsCox Black Friday deal was free phone that wasn't free.
Cox Black Friday deal said sign up for two years and get a free S24 phone free, with approved credit. I was approved only to find out that the phone is financed through Citizens bank under my name for which I am responsible for the payment. Oh but have no fear somehow that account will get credited the payment as long as you are with Cox mobile and after 24 months (two years) it will be paid off. HOWEVER the credit happens for 23 months and I am responsible for the first payment, which for me is $66.68 because I have two lines (thus two phone). Besides all You have to pay taxes on the phones and pay the line connection fee of $10 per phone. So I guess free isn't free after all. I don't like it but I can expect that there will always be death and taxes, I guess even hidden fees. But how is paying $66.68 for a free phone free? I called and also chatted with Cox and Citizens Bank. Both say you have the make the first payment but cannot explain how that is free. Citizens says they only get/do a 23 month payment credit. Cox says that at the end you will see a credit but does not know where that credit happens or who it goes to (Citizens or Cox account). I asked for more clarification and got the same run around saying its a refund type thing. So I asked if i would get the credit paid to me and they just said no its a credit but still did not say which account or how I verify this in two years. I then asked them to simply credit my mobile bill for the $66.68 then there would be no confusion and they said they could not. I am think of going to the BBB for false advertising. The good news is the mobile service so far has been fine.Mpier122 days agoNew Contributor II221Views1like13CommentsMe siento engañado
El 3 de diciembre acepte la oferta de coxmobil de que si CALIFICABA obtenía un Samsung Galaxy s24 gratis ,supuestamnte y después del proceso resulta ser que sin mi consentimiento me adjuntaron una línea de crédito con Citizens Pay la cual tengo que yo pagar independientemente a coxmobil otro dinero extra aparte de la factura de la línea Mobil. Quiero respuesta referente a este asunto .C12_2 months agoNew Contributor45Views0likes3Comments- burnsy12 months agoNew Contributor II37Views0likes1Comment
Cox Mobile and access to Cox Metro WiFi Hotspots
Greetings, Last week I returned my Panoramic Wifi modem to the Cox Store. They explained that they would be forced to disconnect my Home Internet Service with this return and without any replacement equipment. I was sad to lose access to Cox Metro WiFi Hotspots (CMWFH), but it was a necessary step. Now I subscribe to Cox Mobile with a Pixel phone issued by the same. This morning when the Home termination became effective, I sort of panicked about the CMWFH access going away. So I contacted Cox Technical Support by chat and voice telephone. Peyton was patient and spoke clearly about what is and isn't available with my current Cox Mobile wireless service. But I also needed to read between the lines and discern why the confusion, because I was reading web pages that seemed to contradict this official explanation. So here's what it seems to be: the CMWFH access is advertised with all Cox Mobile wireless plans. CMWFH is "available" to subscribers like me, who only have the Mobile plans; we can connect to those hotspots around town, and wherever a business or customer has opted-in to share bandwidth with other Cox customers. However, Cox Mobile subscribers would not enjoy free unlimited access to those CMWFH. Peyton explains this free access (up to 3 devices, according to support web page) is only available to those customers who maintain their Home Internet connection with modem and cable into the wall. Therefore I conclude that the advertised CMWFH for Cox Mobile customers is a marketing line item. It refers to the access that any person could connect and have a Free Trial session, pay as they go (per session), or use a coupon/code to connect. The Cox Customer Sign-In for free and unmetered WiFi wouldn't be included with Cox Mobile, of course: Cox Mobile plans offer Mobile Data plans and users of phones who leave home should be using Mobile Data on their plan, and not leeching off other customers' bandwidth. See, the other confusion for me was: I thought Cox owned and operated most of all CMWFH access points, such as on top of a utility pole, or installed on a public right-of-way, but indeed it seems they are all "customer equipment", including some home consumers who can activate this "CoxWifi" SSID to share bandwidth with strangers. So now it's making sense to me, and why Cox Communications Tech Support wouldn't be troubleshooting or taking responsibility for CMWFH, since it is a "federated mesh" composed of their customer's devices, rather than Cox-owned-operated premises and hardware. It's also impossible for anyone to "police" the SSID names, so for security reasons, connecting to an open-WiFi-SSID at your own risk, even if it should display official Cox sign-in and logo, is untrusted network in the middle. So wow, it's been 9+ years I've been a Cox Home Internet customer, and enjoying the CMWFH service in many ZIP codes, and only now do I figure out how it's more like Amazon's mesh nets than I had imagined. And I'm also learning how Android 15 is coping with only Mobile Data and no WiFi, because I had all settings oriented to avoid metered Mobile Data, and now there are dozens of apps and system settings to modify so that it will operate properly without that WiFi which I depended on at home, from my router, from my neighbors, and from strangers on the street. Thank you, Peyton.Anesti332 months agoContributor99Views0likes3CommentsA fantastic employee
Bianca Garcia in your Chandler store is the most helpful and capable I have met in COX. She took care of my internet problems and sold me an Apple phone. The phone gave me a number of problems and she was the only one capable of fixing them and getting my phone to work on everything. She deserves a good reward.sblack242 months agoVisitor II44Views0likes1CommentUnable to activate my new cox mobile
I am following the process , but SIM activation is failing while try to fetch new numberamit27102 months agoNew Contributor46Views0likes1CommentCox not paying on time
I accepted COX mobile offer of an iphone 16 recently, whereby they make the payment each month on the phone. I was required to create a credit account with something called CITIZENS PAY to finance the phone at 0% interest. The payments are due the 1st of the month, but COX is making them on the 24th. So for 23 days each month I get hounded by CITIZEN PAY about late payments. I am afraid this will eventually affect my credit score report. When I tried to contact COX, I ended up texting with someone in India who had no understanding of how to correct this, and the CITIZEN Pay representative told me I have to get COX to fix the problem. How? Any suggestions?Solvedbatemjo3 months agoNew Contributor199Views0likes5CommentsThrottling 5G data
I am a new Cox mobile customer with the Unlimited Plan and a new IPhone 16. I have been testing my 5G data speeds and my results are pathetic, always getting around 25M, and yes the phone is showing 5Guw with full bars. I have tested this at various locations and with actual Version customers also testing on their phones at same time and location and it is always the same, Version phone will get typical 5G download speeds of >400M and I always get around 25M. If I switch the phone to 4G LTE I will get typical 4G speeds of around 200M. Also, I did this day one so I had not gotten anywhere close to the 20G usage limit where throttling will kick in. I worked with Cox customer support over multiple days and their conclusion is that there is nothing wrong on their end and it must be an issue with the phone. I don't buy that, but to cover all my bases I went to Apple store and they ran all the tests they could and conclusion is that the phone is fine. Also, there is a particular Version store that I went to and when physically in that store I do get proper 5Guw data rates ( 400M to 800M) so I know it is not an issue with the phone. My guess is that this particular store has a 5G hot spot in the store which somehow bypasses whatever is causing my issues. My conclusion is that either Cox or Version must be throttling 5G data rates to around 25M, what else could it be. Has anyone else experienced this in the Phoenix AZ area? What test results are you other cox iphone users getting. If it looks like the rest of you Cox Mobile users are actually getting typical 5G speeds of 200M to 800M then I will accept that it must be my phone and push the issue with Apple but I seriously doubt that will be the case. It is unacceptable to sign a new 2 year contract and buy a brand new device to finally join the high speed 5G revolution only to to get speeds that are 10x slower than older 4G speeds. Thanks for any feedback.Visinet3 months agoNew Contributor114Views0likes1CommentVoicemail
Is there any option for voicemail on a pixel 8 phone other than dialing *86 and checking it through the audible prompts? I used to get voicemails listed in the phone app but now I lost that feature. How is that possible? Cox Mobile is already missing so many features that I regret choosing it and highly recommend against it. Now I am losing features I already had? My 2 year contract can't be up soon enough. If Cox wants to actually have good mobile service, please reach out so that important features can be implemented. Otherwise, it is trash that will soon be discontinued.bkaufx3 months agoNew Contributor127Views0likes4Comments