Katapult

In September of 2018 I purchased a new camera from a local photography store in Michigan. I was glad to hear about the leasing options that were provided through zippy. I paid the $45 and I began making the required payments. Unfortunately, zibby began sending me emails and text messages about the upcoming payments.

Then they begin pulling money out of my account when I specifically asked that they do not enable any type of automatic payments. The first time this happened they were funded my money and said that they would cut off the automatic payments. In December they once again started charging my account without my authorization. After several complaints went unheard I asked to file a complaint. The person handling the complaint told me that the process to stop automatic payments was not followed. I was then given an offer to reduce the amount of the lease down to $404. As long as I paid it off by March 2019.

Once I was sent confirmation up the offer a few days later I contacted zibby to accept the offer and make my first payment. At that time I requested did I be sent confirmation that I did accept the offer. I have not received the email confirmation did I accept the offer and that the first payment that I made went directly to pay on the current offer.

Nothing but good stuff. If you people are that *** that you cant read a lease and understand it then you don’t need to own a *** debit card you ***. This place is awesome and I got my stuff on time and no problems.

This company is so unethical. I have a lease agreement to pay two times a month the *** & last day around pay days but I been getting bills for three times a month. I had to take my card off file because I had to file fraud charges because they hit my account two times in 1 day for $79 and I had a car payment due. I contacted them and said well, we were just able to take it so we just did because you had money in your account . My card was removed from my file but they went in and just charged my account again without any permission or heads up. Their policy is to steal what they can and get away with it if you don't check your bank accounts because they operate on forcing charges through without consent if you ever give them any banking info to sign a lease.

I set up a lease in Nov 2017 and had no problems. Then I set up another lease in Aug 2018, no problems. I paid off the 2017 lease in Dec 2018 with multiple problems. I was given the run around about the payoff amount. Finally thought I paid it off but still shows a balance. They told me it is in a paid off status. They increased my lease credit limit. I started a new lease to purchase a computer my son. Since opening this lease my accounts are all showing past due. They normally automatically withdrawal the lease payments every two weeks directly from my checking account. I've called and voiced my concerns to Zibby multiple times, each assuring me that it had been resolved. Yet it is not. When I log into my account it says monies have been withdrawal and placed into a "suspense account". They tried to explain although it didn't make sense. The payments should go to the account directly to show that I'm paying on time. I've never been late and don't like my account showing past due. I have given them ample time to make this correct. I just want the 2 payments to come out of my account every 2 weeks as agreed in the lease contract.

I have been a customer previously with Zibby and have been quite happy - paid it off not issue - in March of 2019 I bought an appliance with Zibby - I never got the agreed paperwork and I thought I could make monthly payments as previously - I called setup monthly payments, but doing this I was charged late fees - I am very upset. I call and call and nothing get resolved.

I over paid on my account $304.50 and was told I would receive a refund in 3-5 days and am now being told 1-2 weeks. I have called this company several times and have been told a different solution to this problem every time.

I bought some jewelry from frost and set up lease agreement with zibby auto payment from my bank account. They righteously took 39.98 out my account every week for about 3 or 4 months and never missed a payment. Now they started taking out twic as much in one day without my authority and sometimes give me harassing ph calls for being late when I have auto pay..They sent me emails twice stating that I was done and paid for and I now own my item and then started calling and getting money fb my account again.. These people are crooks..

In October of 2018, I had made a purchase from ***, an auto parts site. I elected to use Zibby as a method of paying for the parts I needed at that time and had gone through with the regular check out procedure. After confirmation of purchase was received, I was sent an email from the company saying that they had just found out that the parts I needed were on back order and that I would not be receiving them for approximately 2 weeks. After contacting the resellers via phone conversation, I then proceeded to contact Zibby.

If Zibby were to review their phone logs, they would find a conversation between myself and one of their customer service reps discussing the method and time frame in which I could anticipate my bank account being updated. I waited patiently only to receive another email:

"This message is regarding your Zibby Lease Account originated through Speed Zone on 10//2018. We have confirmed the cancellation of your order with the retailer, and as a result, we cancelled your Zibby Lease Account. Upon review there is no reimbursement due for the cancellation of this lease account. The initial payment of $45 may not be approved for refund as this is a one-time, non-refundable processing fee.

If you have any questions or concerns, please feel free to contact us in reference to ticket #***
Thank you and have a great day!"

A payment was not taken out on the correct date and is now taking payments out of my checking account that are not on our agreed dates. Also they are showing a payment that is due this Friday which is almost 3 times the amount agreed uponed. Everything I try to contact them I get hung up on if I call and if I try to live chat it doesn't go through. I am very upset

I opened a lease with Zibby in 10/2018 with Wayfair. Furniture arrived 6 weeks late and damaged. I notified Zibby, but they continued to withdraw payments during the time Wayfair stated they issued the refund back to Zibby. Zibby also withdrew two payments on 12//18, stated they voided one payment, but it still processed. Contacted Zibby on 1/*/2019, they said they made a mistake on the payment issue (it wasn't voided), and would refund the lease since Wayfair cancelled it. The customer service rep, Mikki, stated she would personally handle this and send to the appropriate department. It would take 3 days for refund. I contacted Zibby on 1/*/2019 making sure no additional payments were withdrawn and lease was cancelled. Never heard back. 1//19 a payment was withdrawn from Zibby so I called Zibby on 1//2019. Zibby stated they didn't receive my email even though I was responding to an email address they provided previous email nor did they know the lease was cancelled (even though I provided this information to Mikki on 1/*/2019 by uploading emails from Wayfair account rep with contact number along with credit invoice to Zibby). Zibby now stated they are going to cancel the lease (as they have before) and I should receive a credit back within 3 days. No such thing has shown up and my account is now overdrawn by $140 for overdraft fees due to Zibby's issues.

Absolutely horrible company Scam and I work at a cell phone company who offers this service I will not and cannot in good conscious offer this company to any new customers not only do they pick and choose when they will honor there policy , they have extremely high unfair rates, I will initiate a complaint with the NY State Attorney Generals Office of Consumer Affairs, and I will go the full mile to make sure not only that my issue be resolved but to also make me whole for the time wasted, unauthorized bank activity and the cancellation and re initiation of my Lease

They keep raising the invoice amount when I have sent them the invoice from *** for my furniture. I am paying off in 3 months and should be no interest charge. Additionally they are charging me tax which is already included in the *** Invoice. Someone diff always answers be it phone or email so no continuity of service. Am disabled and absolutely fed up with them. Will never do business with them in future and will spread the word on how crooked they are!!!!! Stress is very bad for my illness, and they are making me sicker. I am not paying double tax or lease fees since I never got my furn until 2 wks ago.

Zibby website pulled out money off my gf card after
I called them and told them that she didn't have the money
And they told me I have to pay on the *** of this month
I need that money back on her card bc we need food after I lost my job

I placed an order with Lenovo, who used Zibby as a payment service. An hour later I changed my mind, and canceled my order with Lenovo as I no longer wanted the computer. I contacted Zibby the following morning via their online chat about 8 hours later to cancel my account. The agent first of all wasn't being professional, and was using the system as if he was texting, by not using complete sentences and abbreviating. I then called Zibby a few hours later, and they did say they had a cancellation request in and I was told it would take four to five days to complete. We are now past day five, and I received a Lenovo cancellation email, with in minutes of asking Lenovo to cancel my order. Zibby claims they still need to confirm the cancellation, days later. Also apart of the agreement they charge a $45 processing fee, that is not initially disclosed until AFTER you receive your agreement. They call this an "upfront payment." Zibby acts as if this payment is applied for your balance. The $45 up front payment is non-refundable, you learn this after providing your card details, and submitting the order when receiving the agreement. It is not stated before.

I was deliberately given the wrong information by associates that work at the call center/customer service. I've called 3 times inquiring about payments to the account. I was told that payments are easy and I can Pay online and if the payment does not show up I can call and get it added/credited. I made an payment for $120 and I called to inquiry on why the payment was not posted. They stated it was posted however it was in the "suspense account", they stated the account is just “holding” the money until I’m able to pay it off and it will go towards the total payment. I made several additional small payments after that $120 payment. Once it was time to pay it off with the suspense account and my overall balance was down to $176.. which I Would leave me with about $56 to apply with it. It did not actually apply the $120, I actually paid $176 separately. I called to inquire on if it will apply just the difference from the total amount minus the suspense ($176-120). They stated that the suspense account does not go towards anything and you have to pay it in full and if any payment is received more than the minimum payment it will go in the suspense account and given to the company for interest. I paid $120 towards my total purchase for it to be never applied at all. A $400 lease agreement was $575 and when I asked how much was the total cost they stated $750 or so. These employees are not being truthful and I could have paid it off a long time ago if I knew my money would be lost in the system and the suspense account was not going to be applied. This are ridiculous polices/procedures and they’re tricking people out of their money. Now that the payments have been made, it will not allow me to log in to my account information as previously and I was not able to remove my card/bank information, they have access to my personal and banking information but I do not have that access to my account.

This company is a complete SCAM! I bought $1700 worth of furniture back in October of 2018. The day I purchased my couches I had to leave a $40 deposit, little did I know that without my consent money is now being drafted out of my account every single Thursday (fine) well...I go to Zibbys website to figure out how to look into my account at what I owe them and the website is down. It is now December 31st and I have tried at least 50 times to log onto their website with ZERO success. I finally got someone on the phone last night and the first thing he says is "this call is in an attempt to collect a debt" and proceeds to tell me about this "past due balance of $27"....when I confronted him and told him they are auto drafting my back account and that there was no way there is a past due balance....he said "oh you're right" but yet he had already asked me to settle the past due debt with him over the phone. This company is a complete scam. I was told in the store that it would be interest free financing for 1 year (i bought the furniture to better my credit) now i'm getting emails saying that I have to pay them a total of $3000 and the company doesn't even report to the credit bureau in reference to making timely payments. Please, save yourself the heartache and do not use Zibby leasing. You will be sorry. I know they will respond to this with some pre generated message which to me...speaks absolute volume all in itself.

Hi Tech Con ...... Help You In One Way and After 90 days The Balance is The Same though you may several payments within those 90 days ..... It's Like You Giving away Free Money To Them. Even On My Statement It say Paid but There's No Showing How Much I Paid. The Balance Does Not Go Down ....until it's Paid In Full.

Know what you are getting yourself into. Their terms are a bit slick. They say on the FAQ page that interest is not charge on a purchase. But if you do the math, there is a huge APR. I bought a Levono Laptop for $1187.75. In my lease agreement, if I pay their minimum of $106.59 payments twice a month for the next year I will be paying a total of $2377.44. That is an APR of 172.3375%. Ouch! Right now I am hating life. I hate my ex for ruining my credit and forcing me to use companies like this. And I hate myself for needing a computer yet wanting more than I can afford!

Zibby proceeds to deduct money from my banking account that is more than the contracted amount. Customer service states that when my payments are drafted from my bank account the Zibby software does not accurately record my payments. This is resulting in late fees. Zibby will send text and email saying they are trying to reach me about a late payment, stating they have tried multiple time to draft my bank account and it's not successful. HOWEVER, a few days later they are able to draft my account which also includes late fees. I've contacted Zibby several times on this and each time they promise to credit me and note my account that it's not actually past due. I have bank statements to prove this. This past week Zibby drafted my account without permission and charged me a payment not reflected on the payment schedule. When I call them they promise to reverse the transaction and give my money back. This has yet to happen. This company is scamming it's customers to overpay on their loan accounts and it's happening to me multiple times and by other customer reviews they are doing the same to numerous people. I've read Zibby response on Revdex.com complaint forms stating they have tried to reach out to customers to resolve the issue and then the Revdex.com rep takes Zibby side. ZIBBY does not call it's customers and often times I've been on hold 15+ minutes and the automated system will ask if I'd like a call back instead of holding on the line. THEY NEVER CALL YOU BACK. I'm at the point I'm going to lawyer up and sue this company. Nobody else seems to be able to help.

To make my payments I enrolled in auto pay each week with this company. So every Saturday they take out the money automatically. But the problem is that they they take the money from my account and then send me emails that my account is past due and sometime they charge me 1.00 dollar for late fees but I'm not late on my payments. I once called to complaint and the employee told me it was just a dollar. So unprofessional