Afterpay

Afterpay is alluring in that you feel like you're not spending any money, because it's set up for them to auto deduct on a monthly basis. I like this concept, in general, unless an item needs to be returned. Afterpay is horrible about this, and I've wound up having to file a claim with my bank. Not only that, the freeze that they put on my account whilst the dispute was in effect, was not lifted until 7 months later. When I finally realised this, I contacted them. They replied that there was a dispute going on with my bank! It was 7 months ago that this began, and on my end, everything had been sorted! This began an entirely new dispute of back and forth emails with them wanting written letter from my bank proving that the case had been settled. At this point, so many months later, all I was able to provide as proof was a screenshot of my account showing the amount. Then, it took another several weeks for them to finally lift the freeze with annoying emails back and forth. They never took responsibility for delaying the return of my funds. I'll summarise best by the copy/paste below of our second to last exchange before they finally lifted the freeze:

AFTERPAY: 1. Looks like it took a fair bit of time to have those disputed payments reversed/repaid - why was that?

ME: Because afterpay took too long to catch their oversight.

AFTERPAY: 2. Moving forward, how you will avoid the same thing happening again in the future?

ME:I don't have to avoid anything other than fully trusting that afterpay will do their part in a timely and considerate manner.

AFTERPAY: We want to be confident that if/when, we allow you to shop with us again that you will be able to meet the repayment requirements on time, so any further information you can provide would help.

ME: Are you serious? Prove to me one time that I've not "paid on time." That's impossible, considering the money is AUTO-DEDUCTED from my account. Again, you're doing, not mine. Unbelievable.

AFTERPAY: Once I get your reply, we will assess the request and get back to you with an outcome.
Date of experience: January 22,2023

I rarely write reviews or anything bad on the internet or social media…. But this last experience with Afterpay I wanted to! My bank account was hacked and my credit card in file was closed. I was waiting for a new card and asked for HELP from Afterpay, to please move the payment date or put it on hold or give me any information how to get a few days to put my new card in use…. They have only email costumer service (no live chat, no phone nothing)…. After 4days,(I was already late 2days with my 3. Payment on the item what I purchase)I get the answer "We understand your frustration, so sorry, hopefully in the future you can pay in time …. Ect. They can't do anything about this late payment because the system not allow to modify anything, also my $800 spending limit decreased (they will overview later may change back)I made over 20 payments the last 2years, never late and this 1 time I was asking for help before is became late and We sorry we can't do this and that and ANYTHING really…….
I'm so disappointed, will finish my last payment and NEVER want to buy anything with Afterpay in the future.

Horrible, no one to speak with, I've been trying to update my payment method for the last two days! I will cancel after making this last payment!

They charged me an amount of money that wasn't linked to an order. Tried to contact them. Haven't heard back. It's been days. Don't use Afterpay.

I received an item which was clearly faulty and misleading I have used Afterpay a Million times they do not help you if you have an issue with a Merchant at all they said sorry you had an issue we do not get involved if the Merchant can not refund your or chooses not to you loose your money and we do not step in to assist as we do not have the authority to help...So why is Afterpay still open? The banks do not like Afterpay this was news to me when I called them, they advised close your account do not deal with them I have been advised to only shop with Paypal as they do help you get a refund for misleading clothes or items. I have the money its not an issue to make payment's I usually pay fully on the app before its due date my record is SO PERFECT. 1st complaint and Afterpay abandons you I DO NOT RECOMMEND Afterpay customer service there isn't one NO phone number nothing. I do have proof of purchase and all the pictures relevant to the site and photos of the faulty products I am not showing as I have taken further action to Fair Trading the more complaints they get the better to close company's down doing the wrong thing. Afterpay and Merchants have rights BUYERS DO NOT as it turns out.

Do not use this company. They took $9.50 from my checking and only would refund $1.51. I will never use this company again

Horrible business practices and absolutely no transparency at all. Do not trust this business. Fraud left and right.

Need number amount for Amazon spending limits. No transparency with this business. Please display spending limits.

Never get my refunds; its ridiculous. They owe me almost $300.00. Is a child running this company? No more.

Well well well. I first got affiliated with Afterpay in the year 2022. Initially given a $200 shopping credit that shot all the way up to $800 within a 3 month period. Pretty cool I thought. Then in August of 2022, I went out on FMLA from work. I was expecting and did receive short term disability payments, and unfortunately while waiting on the payments to start, my account got behind. Just to add, I never came close to using the shopping credit of $800. So when my payment got behind, I would say it was roughly about $100 to $150 behind. I contacted the customer service at Afterpay, advised them of my situation, provided the necessary documents. I also must advise for being no more than $200 behind, I was treated worse than being late on a mortgage payment for 3 months! After providing all of the information they required, they finally extended me the time I requested to pay the balance. I paid the entire balance before the date that I had ask for and how about Afterpay reinstated me shopping credit of $50 like they were doing me a favor. I could not purchase anything. I felt like no good deed goes unpunished. I reached out again to the customer service at Afterpay concerning the shopping credit and again they graced me with $100 shopping credit and this time they advised me that if I continue to make on time payments I would be eligible for an increase in shopping credit. I mentioned earlier that in 3 months time, I achieved a $800 shopping credit. Since August of 2022, I have not missed a payment, paid my purchases off before time and I am proud to say that as of January, 2023, I have a whopping shopping credit of $200. Afterpay sucks rotten eggs. Like I said no good deed. I could not think of anything else to prove my credit worthiness to them. So, I have one more payment for my current purchase with them that is $34.75 and after the payment is made, I will be deleting the app and concluding my business with Afterpay. They can kindly kiss my hot grits!. Thanks for absolutely nothing. If the company is that afraid of extending shopping credit perhaps the buy now pay later business is not for them. Thank you for letting me share.

I will never use Afterpay again, you can't even get someone on the phone to help. I couldn't even log into my account to make a payment.

Trying to get hold of someone on afterpay is terrible. Only by emailed they never answer you. No customer service number...

Afterpay will take your money same day, but if you were to get a refund from a product you have bought. It will take a week to process.

I'm trying to order my full size bed and won't accept pre paid cards for layaway even though I get direct deposit.

Less than one star!

Someone ordered over $1500 of gift cards on my account, the bank and I are still trying to get it resolved. Don't Use Afterpay

I never received item ordered, but Afterpay got their money and refuse to even communicate back. Worst customer service ever.

You lose your rewards after 2 yrs. If you dnt pay them at 5am, ON the due date, regardless if you pay it ON THE DUE DATE, you get ALL of your rewards taken. They STILL dnt have a customer service number and all they say is "we ate looking into this". I have a payment due TODAY, AND GARANTE, they will NOT respond until AFTER they get THEIR MONEY! But I'm just supposed to "wait" for them to decide they want to do some "customer service". Im telling you be VERY CAREFUL dealing with afterpay. There's ALOT of "hidden" factors with them and they change their "requirements" ALL THE TIME, WITHOUT telling you and expect you to still follow them. Don't expect to keep your rewards after you get to the 2ND MINT TIER. If my payment were late, I wouldn't be where I'm at on the "rewards". USE KLARNA!

I was on the Afterpay app and clicked on Amazon via Afterpay. Prior to finalizing my Amazon order via Afterpay, however, I backed out! Then I signed back up for my Amazon Prime membership, which is a fee of ONLY $16.08! Afterpay immediately took $143.85 out of my checking account, and Afterpay is claiming I still owe another $431.54, in the next 3 additional payments!

Afterpay took money from out of my checking account that for items that are STILL IN MY AMAZON CART! They're still in my Amazon cart, because I NEVER ORDERED THEM! Therefore, not only are my items NOT on the way to me, I CANNOT place my order for those items, because Afterpay ALREADY TOOK MY MONEY OUT for items I DID NOT ORDER! This all took place on Friday October 27th! Afterpay is trying to tell me that I will have to wait until this coming Friday, November the 3rd before I even hear anything back about my $143.85 that they helped themselves to last Friday!
Also, Amazon claims they have NOT received any such payment from Afterpay!

Beware! Paid account off and they blocked me!
They also charged my card more than what I owed..

Afterpay is withholding payment to small businesses! DO NOT USE, afterpay screws over the small guy!