Katapult

I bought a mattress through Helix and they advertise 0% APR with low monthly payments through a company named Zibby. They forget to tell you that although they don’t have APR, they have something called a leasing fee which is essentially APR. For a 2-3k mattress I am being charged over $500. Although it says it in the contract, this is extremely manipulative. Their company basis is to trick its customers. Please make sure companies like this do not continue to pray on customers like myself.

I purchased a bed from Bedmart in Kahului Maui , via a lease through Zibby. (Lease with Zibby was for $2000.00 )Bedmart recommended Zibby as a payment option.
On July *** a Zibby Representative (Robert)contacted me regarding payments due. I set up a payment with him over the phone for Friday August *** for the amount of $160.00. And we also agreed that he would call me August *** with a settlement arrangement. Early Friday morning I received an email from Zibby thanking me for payment of $500.00 that I did not authorize.
They used my card on file to process the payment.
When I called they told me that they "Sweeped" my account that is one of there collection practices.
They did this due to me being behind. They did regarded the payment arrangement I had set up on July ***.
To me this is Fraudulent activity on there part.
On August *** I received another call from a Zibby representative (Tommy) and set up a settlement with him for 1072.00 to be paid by September ***.
I plan to pay off bed. I think it's important to bring light to there collection practices.

Zibby has been the worst company I have ever worked with. This company is a joke. Even if you tell them to take you off the automatic payments, they will still charge you automatically and even charge you twice. I have been charged twice several times for the same bill and when you call to get this issue fixed and the money returned, they won’t return the money. I have never being late in any of my bills until I came across this company. My girlfriend had a bed set and even after being paid off, they kept charging her twice a month and they did not returned the money they charged her after the furniture was paid off. Before you get any furniture with any company, ask if they work with Zibby. If they do, please run away from that place and never go back. Customer service is horrible, waiting times will give you grey hair, anxiety and stress beyond human capacity. I regret the day I made the agreement with this company. I truly HATE this company!!!

I decided to lease two items through Zibby with the retailers *** and ***. Shortly after placing the orders, I changed my mind on both. I called Zibby to let them know I cancelled *** and *** orders by calling them both individually. (Something I didn’t even have to do-Zibby said they’d do it but I didn’t trust their word.) *** and *** sent Zibby proof of both shortly. Zibby cancelled and refunded my lease in two days after contacting *** but they’ve refused to cancel my second lease. They’re sending me payment due date’s on something that never even shipped out to me. They are purposely doing this. I have emailed and called them 20+ times by now and even threatened getting a lawyer today. I got ONE email response in the last two weeks ( received yesterday) from them saying *** hasn’t verified my cancellation so that’s why they’ve been stalling. That is a LIE. *** send me proof of them emailing Zibby about the cancellation on 8/. This is such a fraudulent company. I have all the evidence if needed. Zibby cancelled my *** order in two days and refunded me..... but have made it a living nightmare to get this second one cancelled. I can’t believe big retailers use this scam of a company for their services. They should be shut down. Every time I’ve called I’ve been told to “just wait” and no other information. I have proof of call logs if needed as well. I’ve been back and forth with them for two weeks now. I can’t do this anymore.

I contacted Zibby early August to turn off auto pay and inquired about funds in the suspense account, the representative I spoke with stated that auto pay was turned off and I had enough in suspense to cover one payment. So on August *** I was unable to make a payment but knew it would be covered by suspense. So everything’s good I don’t hear from Zibby, figure everything’s good. I make another payment August *** cause I’m in a bi weekly schedule. Then on September *** they took another payment without my authorization!! I’ve spoken to Zibby twice about the issue and they are trying to say I did not have anything in suspense to cover the payment, so that’s why they took 2. But then spoke with them again and they said yes the *** was covered by the suspense account, but still denies that the shouldn’t have took 2 payments! So they have overdrawn my bank account, I have made my bank aware of the situation and will be filling out paperwork for disputing the charge.

Have been trying to payoff my balance with Zibby before the 90 days were up so that it would not accrue interest. I tried to pay online using a different cad they said I had to call the 800 to do it. I called 2 days before the 90 days. On hold for 20min left my number to call back and literally never got a call back. The EXACT same situation the next day. Zibby has had the incorrect balance on my account. They have made it so I CANNOT payoff early. They have to worst customer service

I lost my job so I called to have the auto draft payment stopped. There was no money going into my bank account so I could not cover the drafts. They drafted the next payment anyway. I called again asking them to stop the draft. Later I get a collection call wanting a payment. I advised that I had lost my job but was now working and needed to wait on drafting payment until I can get paid. I told them that the drags are messing up my bank account. I was told they would not stop the drafts. Today they drafted a payment again. So far I have two over draft fees totaling $72.00. I told them that once I start getting a regular paycheck I would catch them up. I will never use Zibby again nor will I ever give them a good recommendation.

I used their service to finance a laptop that I had cancelled shortly after as I became aware of a new model being released and wanted to purchase that one instead. Contacted Lenovo and they had the order cancelled within 2 days after making the purchase. They have not restored proper credit to my account and now it is a debt that has gone into collection affecting my credit. I have since reached out to Zibby multiple times and have been given the run around and have fulfilled all requests they have made for additional information. I have now sent them all information they have requested twice and proper resolution still has not been met after nearly 30 days.

I don't even know where to start. We are dumb founded that this company is allowed to do business and that the Revdex.com gives them an A. This company is a scam! We used Zibby to purchase a washer last year. It was 90 days same as cash. We had no problems at all that's why we agreed to use them again to buy a refrigerator from ***. This is the same place we bought the washer. This experience has me beyond stressed. Every time we call to inquire about our balance and why they keep taking money out of my account, they change the amount that we owe. They take money from my account anytime they please. Its every three days they are taking money fr9m my account. They took out $552.12 but proceeded to tell me that we only paid $162.65. They are being charged another sales tax and also finances changes, which doesnt make since seeing as we have a contract for 90 days same as cash. When we signed the papers with *** we were told our balance would be $1413.00, we have the receipt. We spoke to Zibby and they say we owe $1591.21, then they say we owe $1250.35, then they say we owe &1145, the last total was $1084.09. Everytime we speak to someone they tell us a different amount. We asked for a supervisor and were told they couldn't let us speak with a supervisor. We asked for a supervisor to call us and for the supervisors name. She (Stephanie) said she couldn't give us that information. We asked for the corporate office address or phone number. She said she couldn't tell us that. We asked what state the corporate office was located, we just wanted to see if it was an over seas company or local. She told us, ***, we know that is a lie. We want to pay off our balance of $860.88 but they refused to take our payment saying we owe more than that. We have called and filed a complaint with the Attorney General's office, they have a phone number to report business who are scams. We will also file a compalint with the NY Attoney Generals Office. Someone at Revdex.com needs to wake up. This is a scam company. Their customer service is horrible. I have never encountered such dishonesty in my life. Wehave decided to also file a complaint with *** for their role in this scam.

I have emailed Zibby several times about different issues and I get an automated email back saying they will respond within 24 hours, but it takes them a month to respond. I've emailed to let them know that any money in excess of the agreed upon payment should be put towards my principal and not their ghost payments; they keep any extra money paid in a separate account in case you miss a payment, I'm pretty sure this is illegal. In July, I ordered a sectional, a mattress and a rug, I got the mattress and rug in a timely manner, but not the sofa. I contacted Zibby to let them know that I hadn't received the sectional yet and that I'd like to restructure my lease to reflect that fact, they did not returned my email. I received the wrong sectional on August ***. I contacted Wayfair and they ordered a replacement that won't be delivered until September ***. I contacted Zibby again to let them know the wrong sofa was delivered and that I would like the extra money I paid (two payments so far) to go towards the principal of the purchase price of the rug and mattress. Again, they did not return my email. I just received an email from Wayfair saying my replacement sectional is backordered and won't be delivered until September ***. I would contact Zibby again, but I doubt they will answer. They also charged me $8 in late fees, when the late payment was their fault, not mine. I changed my default payment method twice and each time they charged my old payment method first and when it didn't go through (a credit card that I lost and had to replace) they charged me me a late fee for it. I've made it very clear that I am hearing impaired and communicate with businesses through emails. Their communication skills are abysmal and their practices are suspicious, if not illegal. At this point, I've made two payments towards a sofa I do not have, which is completely unacceptable.

On June *** 2019 I used *** to buy a laptop from *** I'm getting over change for the item and the correct amount that I owe is not showing on the website. I have reach out to them numerous times and they have not fix this issue.

Yet I get the same results, They have not yet fix the balance online, everytime I've chat online or call them I get the wrong amount. The price of the Laptop is $539.99 + 6.35% sales tax + 5% fee from Zibby which makes the total $601.28. I was told by Zibby that I have until 09//2019. From June *** 2019 until today 08//2019 I've paid a total of $425.89 which should mean that my balance is $175.39 Yet this amount is nowhere to be found. On the site it shows that I owe a balance of $268.70. Which I'm getting over changed for $93.31. I need this fix asap because I'm going to be calling them to be making the final payment on 08//2019 and I don't want any issue to happened.

You may want to check out the other reviews before you let them auto deduct from your bank, you can cancel auto deductions any time you like. Keep in mind, arbitration agreements only prevent you from using a jury trial or filing a class action. You can still take them to small claims court when they take your money. You have 90 days to pay it off before your purchase price literally doubles, do not go by the date on the contact, it starts the day you placed your order. You won't see that little tidbit in the contract though. If you return products to the retailer, be sure to pay attention. Zibby will not remove them from your lease unless you call them several times, so you will pay rent on items you don't have. They will tell you that you can't end the lease after a certain period, that is a lie. You can end the lease and return the items at any time. Of course, they will never contact you back with the return instructions. Next, in order to deter you from ending the lease, they will tell you it has to still be in the original package. Another lie, it only has to be in good condition with normal wear and tear. I actually had 4 reps give me an incorrect deadline date for the early payoff option, had I not recorded the conversations, I would have been out 600 bucks. So, record everything, they don't want you to pay it off early. Oh, and you can't change your payment method online, that will require up to a 40 minute hold time for a customer service rep, that's if they answer at all. This is what predatory lending looks like.

My wife and I signed a lease thru 'Big Sandy Superstore' for furniture in the amount of $1999.00. We had an same as cash
payoff option within 90 days. I went to make the payoff before the 90 day limit and the total was incorrect. I had the print out of my debit card payments with did not match the total. I reached out to customer service with multiple emails and phone calls to correct the issue. Didnt get any answers or returned phone calls. Then received a call saying it was too late and I had to make payments thru the year, totaling over $4000.00. I called back and spoke to two supervisors, both of which hung up the phone on me.

I told them I just wanted to pay out the correct amount and close the account. They told me that couldnt happen and it wasnt their fault.

I want to payoff according to the 90 day agreement, or a refund if we have already surpassed that original amount. I contacted and sent paperwork thru my bank and they are reviewing this information as well.

I have paid my three leases on time, biweekly for over a year. In fact I just paid one off. In May I mistakenly paid one lease and paid it again but I thought it was for the second lease and didn’t realize it. When the next payment came around I noticed what I’d done so I called because when you pay extra on a lease it goes into a suspense balance. I wondered if they could use that suspense to pay the lease I had accidentally skipped but they said no. So I paid the lease I accidentally skipped what it was due, and what I had missed plus a 2$ fee so that I was back up to date. The lease that had a suspense balance had $37 in suspense and the lease amount was $50.99 so I paid the different of $15 to ensure it would be current. Then comes HELL. I say this effects my health because I have been diagnosed with ***, ***. They kept calling me and calling me and I answered every time and explained the situation. I even called about it myself and my nice I explained they assured me it was fine because they told me on June *** when I called and July *** that their system had caused a problem around the *** where suspense balances were removed and not used. So in essence they actually stole my money because it is not credited as paid or listed in my lease history. I received a call about 2 weeks ago saying that they were collecting a debt which was VERY confusing considering that I have paid everything and got it back to the corrected balance. I also chatted them and explained this before making my last payment and she said “your balance is 0, it’s up to date.” Now I’ve just received and email that they drafted money from me without calling me or notifying me since my last contact with them before I made my payments on Friday July ***. I also have zero option to change my payment method unless I call them. I just paid off a lease in full and they are harassing me over money I DO NOT OWE THEM. I have suffered greatly from this as it causes me great anxiety and ruins nearly every relaxing moment I work hard to get.

This companies automated payment system screwed up and I have been receiving collection calls for the last couple of weeks. Bad enough the interest rate is high, but to be blamed for not making an automated payment, rather pathetic.. Customer service was reading their blurb and when I told them I didn't need to hear any more of it, proceeded to talk over me.. They need to figure out, that not everyone is bad and that mistakes do happen and yes, with your own in house systems. We shall see how this turns out and what maybe true .

My complaint is actually a 3-fold issue. It started with an order placed with *** and finance was provided by/via Zibby. I changed my mind on some items ordered and called *** and advised them that I wanted to cancel some items from my order. *** advised that they couldn't do a cart modification they could only cancel the entire order. Well I didn’t want to cancel the entire order just make changes. They advised to contact Zibby and advise them of my decision, of which I did. Here is where the ball dropped and snowballed. I was advised that a cart modification was submitted to *** and that my lease payment was reduced, and auto pay was turned off. The only thing Zibby did was turn off the auto pay. To date *** hasn't received the cart modification, lease payment wasn't reduced as advised and merchandise wasn't received. I have contacted Zibby via chat, email and phone and the representative provided conflicted information every time I have contacted them and seem unaware of policies and procedures of the company they are employed with.

Customer service sucks! I regret ever purchasing anything from them!

this company. I had automatic draft and the draft would have issues with my bank. Not NSF. They charged me several late fees when it not even my fault. Just pirates. The loan you requesting you will pay double back. Avoid this company at all cost

I purchased a $250 faucet from *** using Zibby financing. The box was received June *,2019 but we didn't open till July *** after construction finished on our guest bathroom. We opened box then and found the faucet too big. We called *** customer service and after a discussion they agree to accept return of faucet; however they wanted us to check with ZIBBY to get their approval. We called Zibby customer service and got approval but no address or instruction were provided. Said we be contacted with refund and return instructions. We called *** Cust Serv and they called Zibby and got same story. Now we are 3 weeks later and no response from Zibby as to who and where to mail return and how to get refund.

I signed an agreement to have a payment deducted from our bank account every other week. This company has been taking a payment out almost every week. I closed the debit card down that was being used and was just going to call my payment in and some how they got ahold of my new debit card information without me giving it to them so I am not sure how they got it and I feel that my privacy has been violated. The agreement was every other week and they have been taking more than that out without my permission