Katapult

So far I have had a very negative experience with this company. I was approved for a certain dollar amount and was going to purchase a dining room table. I registered online and attempted to make the purchase but was given an error message that my billing address did not match my method of payment. I checked all address screens and all matched. I called customer service 3 times and was told twice that I should change the address on my method of payment. I told the customer service representative that I had a P. O. Box for my banking account information to be mailed to me instead of my home address. He suggested that I change my account information on my bank card to my home address. I contacted my bank and was told that my physical address is always used as my billing address, and the P.O. box was just for mail. I called back and and spoke with another customer service representative and was told to check out on the furniture store site as a guest instead of using the furniture store checkout screen. I tried that and still was given an error message that my billing address did not match my shipping address. After multiple attempts trying to figure out what was wrong, I have become frustrated with what I consider a lack of knowledge on how to resolve what seems to be a simple problem. My review is based on customer service alone.

I fear making a payment because I never gave them permission to automatically deduct payment from my checking and because I was in errors 1 payment they automatically deducted from my checking causing an overdraft on my account without my permission.So no they will not gain access to my checking again....

Rather than spend another hour describing how zibby almost put me out of business, and their (now former) employee Ryan M strung me along for 2 months while I put my business in limbo waiting for my account to be approved by zibby, only to find out that he was lying to me every step of the way. It was just a sick game for him, to see how long he could keep me on the hook. The following is the email I just sent to zibby which describes my experience with Zibby as a merchant.
To whom it may concern,
I just received a phone call from someone telling me that Ryan is “no longer with the company”. I can only imagine why, considering he strung me along for 2 months, telling me my account was approved and making up countless stories as to why we couldn’t yet proceed with integrating. I told him multiple times that I was literally pausing advertising operations specifically to wait on integration so that I wasn’t wasting money advertising until I could advertise that consumer financing was now available.
I ALMOST WENT OUT OF BUSINESS WAITING ON THIS!
I called customer support and talked to multiple people who said they had no way to connect me with Ryan. When I asked to speak to a supervisor, the best I got was “I’ll email Ryan and CC his supervisor for you”.
After trying dozens of times, I couldn’t find one single person at Zibby who could help me. No other sales people to talk to or take my case away from Ryan.
Now I get a call saying that Ryan had been lying to me. Ryan asked me for revenue projections, then revised revenue projections, then to re-submit original documents reflecting those revenue projections rather than actual revenue, etc. supposedly all to get my account approved because I had not yet reached $500k in annual sales. He finally, after almost 2 months, said he got my account approved. I had a training call with a nice lady who went through how everything worked, etc. and was then told to wait and we would integrate with my shopify website very soon.
Now you tell me that was all a lie, and that I was strung along by Ryan and your company for 2 months for absolutely no reason, other than to bring me almost to the point of my business failing (which I’m still in great danger of having happen). He screwed me out of Black Friday and all Christmas shopping, knowing that I was waiting on him and knowing that I wasn’t advertising while waiting on him. So I missed the biggest shopping opportunity since I started my business, one that I desperately needed to go well for the survival of my business, not because I was dealing with a completely incompetent salesman (which is what I thought was going on), but because he was going out of his way screw me over.
Was there any quality control from the rest of Zibby? Perhaps a supervisor, or even the owner… NO! You let this continue for, by my count, 2 months and 4 days.
I’m very willing to bet that your company can be held legally liable for a great deal of my losses.

On December *** 2017, I initiated a purchase of some items from *** using Zibby financing. Upon submitting an online down payment of $100.10, via my online banking account, I awaited a confirmation email from Zibby that should have contained an order number. After waiting an hour and a half for the confirmation that was not sent, via email, I telephoned the Zibby company and was told that it only takes 5 minutes for an email confirmation with an order number.

After review, the Zibby operator informed me that due to Zibby's hiring of extra help to assist, the order was cancelled. The operator also suggested I call back on 12/to receive a reference number regarding a refund. I called back on 12/*, and was not given a reference number. I was, however, told I will have to wait for the process to begin. Despite the cancellation, that doesn't negate the fact that my bank issued payment, in the amount of $100.10, to the Zibby corporation.

Again, the initial paperwork, regarding a refund, since the order was cancelled in house, began on 12//2017. I was informed that I should receive the refund in time to make a subsequent purchase with the *** merchant by the time its special sale concludes on 12/. I missed the sale. I was also informed that the refund process should take 3 to 5 days. It's been 6 days, and it seems whenever I call, inquiring about a refund, I'm told to wait even longer, or that something else has to be looked at.

I spoke with one of Zibby's representatives (12/*** - 4:53 PM EST), and was informed that I will have to wait even longer. I really don't understand the delay. My bank has informed me that the amount of $100.10 was indeed paid to Zibby.

I contacted Zibby October *** 2017 and requested they remove my banking information (per the instructions on the lease). I was told that it would be removed. On November , 2017 Zibby took another amount out of my checking account for 185.35-unauthorized. My checking account information should have been removed in October. I called on November , 2017 and was told a refund would be given in 3-5 business days- confirmation number ***. December *, 2017 I contacted Zibby and have been told they will not refund the money they took illegally from my account.

On multiple occasions I have tried to complete the financing process at the local furniture store that uses Zibby as a financing partner. I was approved for $1200 and selected my merchandise. I attempted to use my Amex card as a form of initial payment and was told ZIbby didn't accept Amex. I went back to the furniture store the next day and took a preloaded card with me and I was told Zibby didn't accept preloaded cards for initial payment and that it had to be a card linked to a checking account. I went back a third day with the debit card that is linked to my checking account as I was told. Zibby showed another error code yet again and stated that I needed to have my bank authorize the transaction. I went to my bank and they stated that it was not a issue on the banks end and even went as far as printing me a new debit card right there to make sure it wasn't a issue with my Mastercard debit card. I left the bank and went back to the furniture store to only be told by Zibby that they were categorizing my card as a prepaid card even though they could see it was a checking account debit card issued by my bank. I spoke with Nikki at Zibby who said she would send this to her tech dept to see if they can categorize the card as what it is, a bank debit card. I called Zibby back today and spoke to Nikki again who placed me on hold for a while to get with the tech department. She told me that they (tech dept) stated there was nothing they could do even thought they can clearly see it is a bank issued debit card linked to the checking account! This has been the worst company to work with!!!!!! What kind of business cant fix a legitimate issue on their end?