Issues with being lied to by T-Mobile

Unfortunately, we have a similar circumstance. We were lied to by T-Mobile staff at a store at 122nd and Penn in Oklahoma City. We had an iPhone 11 that we traded in on an iPhone 14. I was told that the difference in cost would be $400.00 and when I agreed to that amount and offered immediate payment, I was told that this was a promotion and would require that we pay it out over two years and that full payment on the spot was not an option. I assumed that this policy was because T-Mobile wanted to earn interest on the financing of a $400 phone device charge. 

As it turns out, - and only after I began making serious and in-depth inquiries, it was revealed that the actual device charge was around $800 - that no one mentioned - and the monthly cost was to be discounted so that, at the end of two years, my cost would be $400.00 - but in checking my payoff today -- after having already paid on the phone for a full 12 months - the payoff is $420 !!!!!!!  The payoff - after making 12 payments -- is $20 higher than what I was told the TOTAL cost would be.

In addition to this phone cost issue -- T-Mobile arbitrarily and unilaterally modified my "auto-pay" agreement so that the credit card was no longer acceptable without added charges. T-Mobile wanted direct access to my bank account. At 80 years of age, and on a fixed income, I will not let them have access to the accounts at my bank. There was never a problem with my credit cards and my credit rating is in the range of 815 so I don't understand the T-Mobil conduct. 

I am so disgusted and disappointed with T-Mobile’s lack of honesty and clarity, that I’m now going to change to another carrier immediately. 

Good luck working with T-Mobile -- I had no success with them at all. They change agreements arbitrarily, lie on device costs, and add charges that were never agreed to on your bill.