Afterpay

Used afterpay five times and paid all orders quickly and before the due dates. Now Everytime I place an order it is denied. They send an email claiming my credit score however they insist they do not check credit scores. Trying another service who treats good customers fair.

Once upon a time this app was great. I built up over $1,300 in available spend and never had any issues…until I did. There was fraud on my card, I had to change my number, which I alerted them of and yet still I was assessed 2 LATE PAYMENTS regardless of the situation. For this they TOOK AWAY ALL of my available spend. A year later it's back to over $1,000 and now any purchases I attempt to make are being declined with zero reason given. (I only have 3 open orders for barely over $200 so that's not the issue.) Meanwhile I've never had one issue using Sezzle and your available spend grows far faster, don't bother with Afterpay, it's almost useless now. That's a screenshot from today and I cannot place an order with them. 😂😂🤷‍

The customer service for this company sucks trying to get a hold of them is a pain in the $#*!. We have to go through the app messaging him back-and-forth. They never respond when they said he do. It takes almost 10 hours or 24 hours for them to respond and there's no number to call them so if they call you, you cannot call them back, this is a messed up

I've been a loyal Afterpay customer for years, always paying on time or ahead of schedule, and worked my way up to a decent spending limit. However, my recent experience has completely shattered my trust in this company.

I entered into a payment plan after being laid off from work, and despite making every payment on time and paying off the balance within just two weeks longer than the original order timeframe, Afterpay slashed my spending limit by 90%. All I needed was a slight extension to streamline my payments, and I managed to pay everything off in good faith—yet, they still punished me by gutting my limit.

What's even more infuriating is seeing how others who missed multiple payments or entered several payment plans in the same year had no real impact on their spending limits. Afterpay clearly picks and chooses who to penalize, and their so-called "responsible spending" rules are inconsistently applied. It's obvious there's no fairness here.

My advice? Do NOT enter a payment plan or hardship arrangement with Afterpay. Let your payments go late if you have to and pay them at your convenience. You'll likely be treated better than if you tried to work things out with them like I did. Based on my experience, they don't reward responsible behavior—if anything, they punish it.

I was laid off, picked up a second job, and paid every 2 weeks to honor my payments, and yet, Afterpay ruined my financial flexibility. They didn't even offer a compromise, like cutting my limit in half, which would have at least allowed me to get to work. Instead, they wiped out 90% of my limit, leaving me with nothing.

This company pretends to care about its customers, but their practices are shady and unethical. I may dispute my payments and will be posting this review everywhere I can to make sure others know what they're getting into. Don't trust Afterpay to have your back. They pick and choose who they help, and if you're in a tough spot, they may just leave you hanging.

They just starting selling gift cards. Unfortunately they dont work and they take zero accountability for this. Beware and dont purchase.

Afterpay will steal your money and ADMITN IT if you do not recieve an item or return an item. They will simply take both your money and the money from the merchant - double the profit.

They do not refund the money for items returned to the companies you cannot speak with a representative they do not answer your emails it is a fraud this company do not use it

I'll be in a customer have to After Pay Eight years or more my account I have not been able to use it for some reason I reached out to him to let them know. I have not gotten nowhere and this been going on for two years that I have not been able to use my account and I have not gotten nowhere so now is going on three years. I just want to be able to use my account get the right responding and it is messed up when you cannot get no one to talk to they think that chat thing is better to use than anything and is not

Tried to make a purchase and everything went fine till I was bumped back to the vendors website where I got an ERROR. I proceded to make the purchase from another resource.
AfterPay took the money from my account anyway,
I have tried to get a refund fron the company but they have no record of Afterpay paying them nor a order #.
I am getting the run around from Afterpay they are telling me to: lodge a dispute, wait 14 days if the company doesn't responde to the dispute, cancle the disppute start a new dispute ect ect ect
In the mean time they continue to Take mpney from my account for the payments.
BEWARE OF ERRORS when returns to the store website.
YOU WILL NEVER SEE YOUR MONEY AGAIN

So the reason I'm giving him such a bad review when I used to love them. They used to be loyal to their customers. There was a couple times their system was down when my payment was due so they took my credit but gave it back because of system error. Second time it happened they took my credit away and wouldn't give it back so I declined to make the rest of my payments. As soon as I messaged them they told me they would give it back if I made my payment in full. So I did and instead of giving me back my $800 credit limit they gave me $50 and said that I could work my way back up to $800 even though they promise to give it back once payment was in full. They used to be a great loyal company but whatever is going on over there now they have become garbage

The concept and app is self is much as expected. Errors here and there, nothing that should not be unable to be corrected. The issue you run into is how very literally subpar their customer service is. They're lazy, rude, and incompetent. They do not know how to do their jobs. I heard this from many people and stupidly ignored them. Please don't shop there, you'll regret it.

I ordered a pair of shoes from Hoka. Immediately after the order was processed I cancelled it because it was a wide width. I then reordered the shoe in the correct width. I used Afterpay. Even though I have sent Three communication from Hoka to Afterpay, Afterpay refuses to refund my money. Hoka never received any money because the order was cancelled. Afterpay closed one dispute, I've opened another one. Afterpay has NO TELEPHONE NUMBER to contact them. I can only say they're a very poor company to try to resolve issues. I'll never use them again. At this point, they have $189 of my money and refuse to return it.

I returned 2items and they're still charging me. I sent my receipts of the returned purchases. It's difficult to get help or have a conversation with a real person. You chat with a machine that can't answer unscripted questions...

Please people do bit use afterpay, I've been a loyal customer for over 8 years and I've always paid my bills on time. But the one moment u f k up they treat you like scum. There loyalty and royalty program is out the gate. Do not trust these people.!

Try charging back a company who screwed you over with After Pay. Not only will you get idiotic questions and replies from After Pay they give you a run around and in my opinion sides with the merchant. The convenience to use them is great unless there is an issue. Please don't trust that just because a company uses After Pay they are legitimate. If they are a fraudulent company After Pay will do nothing to help you.

Everytime I try to make a purchase my stuff is declined. I make payments on time and everything and I also been with Afterpay for over a year and I still have to go though this. I mean every single time. It's ridiculous. I don't recommend especially if you really need to purchase something you better off buying it

I've been waiting for days for a response on why was my account still being with drawn when I stated several times I had yet to receive my items. I have paid out nearly $84 for a package I never received. I advise if your looking for a professional reliable service this isn't it. Constant robotic replies from afterpay. Klarna' has always investigated and refunded my account if there was a lost, stolen etc package missing. Afterpay is crooks far as I'm concern. If ive paid you for years on all items/merchandise never once a complaint then it's clearly a legitimate claim. The merchant apparently never sent out my package Bc when I ask where was my items suddenly I got a shipping notification. But a week later still nothing. I never take over a Month to receive anything unless it's nonexistent. If this is how afterpay resolve issues for their customers I'm nolonger moving forward with them.
Absolutely displeased. Do not risk yourself

Afterpay owes me 114$. It has been a few months now and I have emailed them on several occasions and they are not responding. I placed the first order and cancelled it within the 20 min allowed with crocs. A few mins later I placed another order with my coupon. They were charging me for both orders and even automatically withdrew money off my card for the iorder that never shipped! There is NO PHONE NUMBER OR LIVE CHAT. Had I known that I would have never got in bed with them. Croc responded and told me on an email chain with Afterpay we do not charge until the item is shipped and Afterpay still have not refunded me. Im pissed and reaching out to bbb following this message. Planning to close my account but I want my money!

When you want to speak to a team member you're left on hold whilst in the meantime choosing 20 different options to press! The operators are lovely but give complete DUFF information ( which is sooo incorrect) when the finally put you through to The resolution centre the conversation went back & forth sooo many times it was exhausting!. Never did they listen to my complaint or address the issue!
Worst experience ever 😩😩😩😩😩

At the beginning afterpay was great I was able to get what I need, but I fell into hardship and wasn't able to pay on time. And now even though I was finally able to clear my account and pay it off I am no longer able to shop again how fair is that. I mean atleast I paid it off and I only owed 40.00. Ridiculous

I moved to a new country and they told me to get a new email in order to continue using their services. They were very dismissive and didn't care. I will never use this company again.

The tummy I have a great amount to spend we want to try to spend it online or in the store I do not know how to work the card why and I want to talk to somebody it's a machine it'd really be nice if you had humans to talk to I am so tired of having to buy from TAMU and the other side so I'd like to buy all of the store using my afterpay.
I'm wasting money buying from tell me when the other ones half the products are not well so I would like to talk to you human and know how to use my card purchasing things from stores.

The customer service here is useless just using all the "canned responses" and doesn't really understand how to reply on inquiries. Its true you get to save money for not paying in full, but when you do return or refund they wont give your money back. They charged me twice and did not do any refund even if I don't have the item! Such a scam!