Katapult

I returned the merchandise immediately *** let's them know when the return labels are scanned and I am still waiting in my 45$ deposit yo be refunded Then they charge you for returns shipping costs because Wayfair advertises good quality items but when you receive them the quality us very poor

Purchased a rug just a few weeks ago, and this will be the last time I purchase anything I ended up financing thru this company and ended up paying it off way just the other day once I noticed that I would of paid almost triple!! For anyone that is considering ZIBBY, don't. I am still waiting to be refunded my $45.00. Even with good credit and with a down payment how can they charge such a ridiculous amount let alone not refund me. enjoy the extra 50 plus dollars you guys scammed from me for being a good and responsible customer.

I wanted to take the time to thank Tonya at Zibby for her patience, knowledge, and professionalism while helping me with my issue. I was approved through Zibby this second time and tried to purchase an item through *** that could not complete because due to a "technical error". I spoke to 3 reps at Zibby and they continued to tell me "I was putting in the wrong information, this was wrong and that was wrong, they can only put in a ticket and have someone fix it". I explained to them this has happened before and a rep walked me through it, but I can not remember the specifics, but it was something I had to select under my computer settings. They said no, and there was nothing they could do.
They were not able to help, nor were they willing, and the first rep. would not let me speak to a supervisor or manager that could help me. I had to ask her 4-5 times to speak to someone else. I think her name was Dai or Dia. Not certain. She then transferred me to another rep who kept implying I was "putting in the wrong info". I informed him I was not and I've ordered through them before with the same personal info. I was frustrated and I contacted ***. However, they informed me there was nothing they could do because it was a Zibby error.
I called Zibby back again and spoke to Tonya, same day 4/22/19 around 12:55pm EST, and she was patient, kind, and she LISTENED to my issues. She told me to I needed to use the "incognito screen" on my computer to see if that would help. Sure enough, she walked me through it, and it worked! I dealt with this issue on the phone betwen both companies for about 90 minutes.
This is the type of customer service customers hope for when buying products online. I was about to give up, but she kept me calm, and made me feel she CARED! She didnt read from a script, she was actually a human! She did the most important thing LISTENED. I told her I wanted to do a survey, but when she disconnected, the call dropped. So here's my survey!
Please congratulate Tonya and I wish she could train other reps on how to deal with customers going forward! Thank you Tonya!

To be fair, this is a good option for someone who can't pay money for something up front, if they have the intention of paying it off early. Otherwise the interest rate is crazy! My 1 star is specific to paying off the lease early & a warning for anyone that has the intention of doing so.
Make sure to call in to pay the lease off, do not do it online (this is directly from a customer service representative). They do not turn off auto pay until the transaction actually clears. In my case, I paid off $1440 on Thursday & they charged my bi-weekly payment the next day. Because it is an e-check, they cannot cancel the transaction only refund it once that payment clears as well. So they are sitting on extra money for potentially 7 days and leaving me $145 short until then.
Just warning others so you don't run into what I did!

I contacted Zibby over a week ago to withdraw consent to draft automatic payments for my account. The representative said I must replace it with a new payment method and I informed his from his websites FAQ page it says I have right to withdraw consent at any time with no restrictions. The representative gave in and said okay he will withdraw me and I asked for email confirmation and he said it will be a few days to get that. Last week the auto payment did not draft as requested but this week they drafted it. When I contacted customer service they claimed their lease gave them permission to draft anything past due from my card on file even if I revoked auto payment consent. I have read every line of their lease and there is nothing that gives them that permission. In fact it clearly states that I can revoke my consent at any time as long as at least 3 days notice is given. It also states that if proper notice is given they are liable for any charges I might incur if they fail to stop the payment. Zibby has not only overdrafted the account I told them they do not have permission to draft from, they have taken someone else’s money as this card does not belong to me and I no longer have permission to use it. This was the entire reason I explained to them that they must remove it from my account. The cardholders bank is going after them for the fraudulent transaction and we had to pay the bank $25 for a stop of payment to get zibby permanently blocked from drafting from the card since they refuse to stop the auto payment even though I have now requested not only over the phone but also in writing. They are liars and need to be held accountable for the laws they are breaking.

1//2019 I inquired about the payoff amount on a stove that was purchased. the call was recorded and monitored. The gentleman rep informed me that the contact was paid off no amount was due. I also called again that month to confirm and a lady rep confirmed the lease was paid off. So I go on with my life not worrying about anymore payments, so then I got a call from Zibby on 4-*-19 saying that I still owed $171 in pay off. I informed the rep that I called in January and was told I had to research the amounts I spent with them. On 4-*-19 on a record call I called Zibby and the rep Brittney confirmed that I was told that the lease was paid off and that ai was also informed that I was late and owed money as of 4-*-19

I was charged sales tax on a lease because I didn't update my address from a state that charged 9.50% sales tax. I moved to and bought the merchandise in a state that doesn't have sales tax. I have proof of my residence here, I have a receipt showing that I have purchased the merchandise in this state. And still, they won't change my address or take off the sales tax. I didn't know that not updating my address would cause me this trouble. That aside, I can't believe that this is taking place. I don't live in that other state, I didn't buy the merchandise or start the lease in the other state. I'm being charged extra simply because my address was not updated.

Zibby is a horrible way in which to make a payment plans. If your are a student who's in need of a laptop for school, take my advice and stay away!! I have had a horrible experience with their leasing and automatic payments. Before April *, 2019 I only needed to make a $34.00 payment to own my laptop outright and I had a balance of $508.75 in my suspense account, which according to them is "When you make a payment of more than your monthly payments, your funds will go into a suspense account which may be used for future payments" so on April first they withdrew $208.78 from automatic payment I had set up and MY SUSPENSE ACCOUNT BALANCE DISAPPEARED. I called and the their associated told me there was no suspense account balance at all. I had been trying to pay off as fast as possible and the only thing that resulted was them attaining my over-payment funds. I fortunately took a screen shot of my who transactions and balances and am waiting for them to reply.

I went entered into a contract with *** when I purchase my computer from *** on 6//2018. Since entering into an agreement with *** I have had nothing but problems with them taking money out of my account during non agreed periods and them not taking the money out during agreed time period and charging me for their mistake. I have made several complaints to them about their billing practices 1 was resolved. I decided to pay off the computer on March , 2019, because I was tired of dealing with them. I went online and entered in my *** debit card to make the final payment. On March *** I discovered that the money was taking out of my checking account instead of my *** debit care account. When I called to complain the supervisor and the agent stated that I should have received an error message to contact the agency to make an over the phone payment. Because the computer accepted my card and my payment no error message was give. I was given an option to enter in my debit card with no problem and my debit card information is still showing on my account. This transaction has cause my bank account to be negative and I am pissed

Feb., , 2019 contacted Zibby to make a payment over the phone. I typically pay via their online payment, but my debit card was lost, hence having to call Zibby directly, make a phone payment,have them update to my new debit card. I gave them my new debit card, made payment and asked them to update my new debit card information. Customer service agent assured me the information would be updated within 24-48 hours.

On March *logged onto my online account to make biweekly payment. They still had not updated my debit card information. So again, I had to call the customer service line, made a phone payment via customer service agent, made my payment, stressed a 2nd time to please update my account to my new debit card as the one they had was lost. I was assured by customer service agent, the information would be updated within 24-48 hours.

On March *** logged onto my online account to make biweekly payment. This is now the 3d time I have called, requesting again to update my debit card information. Again, customer service agent informed me my debit card would be updated within 24-48 hours.

March *** logged onto my online account to makebiweekly payment. This is now the 4th time I have called, requesting again to update my debit card information. Customer service agent informed me my debit card would be updated within 24-48 hours.

March *** logged onto my online account to makebiweekly payment. This is now the 4th time I have called this week, 5 times total, since Feb *. This time I requested to speak to a supervisor in hopes that person would update my debit card information. Mr Supervisor assured me the information would be updated, except this time it would be within 24-72 hours.

March *** logged onto my online account to make biweekly payment. This is 5 times I have called this week,6 times total, since Feb *. I requested to speak to supervisor. Customer service agent hung up on me.

I have various documentation supporting my numerous attempts to get this issue resolved!

HELP ME!

I am leaving the one star because Zibby seems completely uninterested in "helping out" their customers when it comes to payments and their payoff promotions. On top of which, they are very uninformative about the status of your request.
Here is my experience:
I paid off my Zibby lease early one morning. Late in the afternoon that same day I received a promotional email indicating that I could pay my lease in full for a lower price. In this case this was approximately a $300 difference. In short, 3 phone calls and nearly 2 weeks later I am informed that they will not refund the difference because I technically made the payment for the original price before I was sent the email.
Now I am willing to admit that they are legally in the right by refusing to refund the difference. But that seems like something that I could have been told day one instead of being led on.
Also, in my opinion, this seems like a situation where the rules could have been bent slightly, if just to inspire customer loyalty. From my perspective $300 is a lot of money, but I cannot imagine that is amount would be missed by an organization such as Zibby.
TLDR;
Zibby will stick to the lease agreement to the letter and they will do nothing to help you out, regardless of being in good standing or not.

Actually I was so thrill that they(Zibby) approve my loan(wedding ring) but at the end, it came with a high price. My goal was to pay off my loan with in three months. So I would call and make addition payments:. In February I called with the last payment. They took out 112.00 from my checking early that morning instead of the 344..00. I called to see what happened they said that nothing was stated on my acct so I paid the difference. Later that day they took a additional 344.00.... so my bank couldn’t release my money because Zibby had my funds on hold for almost a week. In that time I accure 120.00 returns fees from my other acct and late fee. I called and text them on many occasional with no resolution. I’m very disappointed. So the lesson learn don’t give your checking account number to business like this. Remember they are a business. It’s not about service, it’s about profit

There were payments taken from my account while my acct was overdrawn. I've when I get paid for Lyft driving, I'm charged an overdraft fee if $35 even when I dont have 20 dollars positive so therefore I've been negative for 3 weeks now. I made 60 one night. Deposited it. Got overdraft fee for it as an explanation or example. Zibby down essentially the same thing. The aee there's is any money in it and take it. Charging me an extra $35 each time. I find that unprofessional or cowardly. However you wanna state it and I believe I should pay promptly but when the funds are available. not just if I have 20 dollars.

I feel as if it was a deliberate cheating, despite I was reading the lease and doing my best to pay it out on time.
I am international student with no credit history so I first was very enthusiastic to see that I can purchase a laptop with zibby. However, despite all my efforts and capacity to pay on time in 90 days, I still ended up with paying almost 150% of the items' price in three months.
- The price of "owning the item" is only show on the dashboard on some days. I tried to "catch" those and asked to get sms-notifications, called and spent 20 minutes to get them on in vain. They told that I should get the messages but I was never reminded of payments. OK.
- When I've got a congratulation - "you own the lease" - on the end of the third month (I've made a payment on 2/25) I was not worry, though decided to double-check. I've emailed zibby on 2/28 to make sure I do not owe them with no answer.
- However, I've got an email with the date of next payment. I've called zibby support and learned that I have an extension of the Early Release Option for 10 days (which should give me time until 13/3) to pay additional $40. I though it might be a marginal issue with taxes and made the payment during the talk with the representative and asked her to confirm that I'm done with all my payments. She told me that the payment will be reviewed and than I'll get the notification that my lease is over.
- The next day (3/8) I've got a confirmation with another notification of the future payment and contacted the customer support again through chat to see if it is a mistake. Here is where I learned that my ERO was already passed on 3/4 ( I've spoke to the previous representative after that) and now to close my lease I have to pay additional $280! To make it clear, I have already made 13 regular payments in three months of the lease. So I'm ending up paying 150% of the price plus $45 despite me trying to reach out zibby and close the lease beginning with 88 day and my full capacity to close it earlier.
I did it just now - as I'm afraid there is more fraud to come. But I feel deeply disappointed and cheated on.

I made a purchese for a matteress and used Zibby to finance. I changed my mind in less than an hour and canceled my orders. I was charged 2 fees for $45 that stated Boldly that they were my first payment. Now they refuse to refund my $90 stating it’s non refundable. Saying it’s a application fee when it clearly states first payment on the website. I called and the supervisor was very rude and stated you are not getting your money back and file all the complains you want. I asked to speak with his supervisor and he said he wasn’t going to bother wasting his time. I’m not getting my money back. They didn’t care. Now I research the company and find endless amounts of complaints. Never use this company

Zibby has some fast talkers? I received an email from them that my March 3,2019 would be placed in my suspense account. it did not happen? the individual said that I had only make 6 payments but one month the scheduled appointment was not taken out. if it was taken out on the due date to me that would be 7.the clerk put me on hold 3 time and probably did not talk to anyone I was going to use them again because they were highly recommended by ***. right at this point, I have my doubts that I work with them again.be sure and check monthly that your payment was taken out on time and if you receive an email that a payment would be placed in your suspense account call them and ask questions

I cancelled my order on February 15th, 2019. Then, on February 25th I received a call from their office telling me that I was in collections and that I owed zibby $150.14. I recorded the conversation after that and proceeded to inform the zibby employee that the order was cancelled (product was never received) and that I already had provided them with the code confirming that the order was cancelled. After the employee put me on hold and checked with the billing department, I was told that everything was ok and that zibby was not going to charge anything to my bank account and that the order was CLOSED. On February 28th, 2019 (13 days after the account was cancelled and 3 days after I was told I was not going to get charged) zibby charged my bank account for $150.14. I have left voicemails and never got a response. Today they are refusing to talk to me over the phone. I had to contact ***, report it as fraud and now *** has put a 5 year ban on my accounts for zibby so they can never charge me ever again. Today is March 3rd, 2019 and I am still waiting for my refund. My wife has also cancelled her order because we cannot longer trust zibby having access to our bank accounts. First and last time using their services! I wish I could give them -1,000 stars . This company doesn't even deserve 1 star!

I am currently leasing from Zibby through Wayfair. Everything was good for 8 months, then they had maintenance issues and could not access my 41.97 payment for the week.The folowing week they proceeded to take the regular payment of 41.97 twice. This wasn't so bad, but they also proceeded to take an unauthorized amount of $155.97 for an unknown about suspense payment. I called and recieved a 5 day refund of the $155.97 and expressed my non permission of such payments. I thought all was well, but on 2-28 they proceeded to take my regular payment of 41.97 and then on 3-1 they took an unauthorized payment of $155.97 TWICE for a total of $310. If this dispute does not work, I will take legal action.

Horrible service. Had to call customer service numerous times becuase my payments werent going towards my amount paid. Customer service was horrible also, had to call a supervisor for every question

I purchased merchandise through Zibby Leasing. As I had my merchandise almost paid off I called to see what I needed to pay-off my loan. I was stated 174.12 and that would satisfy my loan with Zibby. They had my banking information because that's how I made my payments (Automatic withdrawal) every payday. I gave them a date to take the $174.12 well they decided to debit my account 4 times for the $174.12 which totaled $696.48 which overdrew my account. When I called the one eight hundred number I was on hold for 30 minutes and when I finally got a representative and explained what happened all they could tell me was "Oh we are sorry it was a glitch and we will have your money back in your account in 3-5 business days"..... How can they be permitted to do this to someone, its not right, I plan to pursue this to the fullest extent.