Katapult

I used Zibby with the intent to use the 90 same as cash option. I read through the contract thoroughly to make sure I did what was needed to exercise my early purchase option price, which is broken down in a chart on the last page. Well the time came and let me tell you, everything in the contract was purposefully deceiving. Even though the contract states, "after each month lease payment, you EPO is:" two ladies I talked to from Zibby told me that the chart wasn't accurate and even tho it says after month payment number 1.... it's actually 2. How is the consumer supposed to know that when it is not written ANYWHERE! The way the ladies were explaining this contract made no sense and they were going against everything that was written until eventually the second lady I spoke with told me to look over the contract with a friend since I don't understand it. No second lady, I should be able to look over it with you. She also said," well I don't know why the contract is like this, it's confusing but this is what it really means." What?! This contract is binding and literal, not up for interpretation just to get more money from me. Then I got transferred to a young man who was the most helpful (hence the second star). Long story short before you sign this contract look over clause 3 and 5 and really understand it because those clauses are there to purposefully trick and confuse the consumer. My thing is - this is the first time I did business with Zibby and it was not pleasant at all. That is the worst part. So this will be my First and LAST time doing business with Zibby.

I returned an item from Wayfair, that Wayfair Corporate acknowledge in a voicemail that the amount of the returned mattress would be credited to my Zibby account. Zibby has not deducted it from my balance. Instead, my balance has increased the second weekend in a row. I called to find out why and understood that after 90 days my balance increases 50%. The man on the line assured me that my balance would not increase again after that. So, my balance has increased within a few days by over $100 after being assured on the phone that it won't increase again, the credit from the returned item that is over $300 hasn't been credited, and I just got an email and text at 1AM that my payment will be deducted from my account Thursday after the gentleman on the phone last week told me that I would not be charged either last week or this coming week because my payment would come out of the "suspense" account from a time that I overpayed (I overpayed because I was bombarded with calls and texts and emails after the automatic payment didn't go in, which was not my fault). I am having a problem getting answers that make sense. The people on the phone are aggressive and talk in circles with answers that apparently are all lies. I used the text option which was zero help yesterday. My total was originally $1921.90. I've already paid over $1,200. I have $79 in the suspense account. I just returned an item that's over $300 that was never credited. My balance this has increased again, saying I owe $1,438.66. None of this makes sense.

As I was checking out on wayfair I thought I was financing with wayfair but this zibby popped up and generated a contract and debited 138.93 from my acxount. I call this zibby and tell then they could even find a contract and state they will refund my acxount 138.93 .. I think ita weird they don't see a contract in which I recieved, state that its cancelled, will refund my account and I can't even log in to there claimed websites to even see this information nor the information given that states no contract when I clearly received one and a debit from my account. Thank you

On November , 2019 my banking account was debited $250. My normal payment is 88.50 bi-monthly. When my normal payment of 88.50 was made on November *** I recieved my payment email which states the remainder of the lease term was 267.94. Zibby debited $250 of the 267.94 on November , 2019 and still falsely claim I owe an additonal $209.94 according to my online account. When I contacted Zibby I was told I owed an additonal 213.00. I stated my balance was 267.94 and I was just debited $50 which should leave a balance of 17.94. The customer service rep then asked if I could make an additional payment of $50 to close out the lease. This is unaaceptable because I am being charged more than I owe.

On their website FAQ it states "A valid credit or debit card to make payments (no prepaid or gift cards)" is needed to receive credit. Upon getting approved and going through the process to complete a purchase for a black Friday shopping we are now being told that they do not accept credit union debit cards. Thus causing my wife to miss the deal on getting a laptop from Lenovo for $300 off. This purchase is for my wife for school and I did not have these issues while going through with my purchase 3 months ago. If the verbiage has changed they need to update their website to reflect as such. Not after being placed on hold for up to 45 minutes to be told that the card cannot be accepted due to it being issued from a credit union. My laptop payment comes out fine on my credit union card that is attached to my personal account. The fact that I had to ask to speak to a supervisor over 5 times and be placed on hold 4 seperate times is simply unacceptable.

Random payments were drafted that I never authorized. Some are as high as $250 and they refused to refund!

I have a lease with zibby from purchasing items with ***. The items I purchased have been return, 10 of them. I called *** and they three way zibby explaining to them how my lease needs to be modified and balance should only be $40.93. The zibby rep said please send a ticket, she explained it's been five months we show that a ticket has already been sent. I paid $140 up to date. Zibby won't refund my money.

I would like a refund of the overpayment they automatically deducted from my bank account today that was not due. I have an email that I just received on 11//2019 stating that they received a payment of $178 at the bottom of the mail it shows a balance of $ -293.83 that is the remaining cost in full term as of August , 2019 and the payoff amount I owe is $153.17. Since August they received three scheduled payments from my bank account. I am requesting for my reimbursement and no one wants to talk to me. I was disconnected from the operator because all of a sudden I couldn't hear him. I called back and

I have had 4 leases with Zibby. The first two were find. I paid them off with the 90 day same as cash option. My 3rd lease began my problem. I scheduled to pay this account off using the 90 day same as cash option. I wasn't even near 80 days when I schedule the full amount to be paid off. What they did was take the full balance out of my account, plus that weeks scheduled payment which should not have been taken because I had already paid the full amount due. This happened on 9/19/19 . I have called them 3 times, the 1st time they told me I would receive a refund, after 2 weeks I called again and was told that the manager didn't approve the refund. After I explained and the customer service person looked closer at my case, they saw that the extra payment had been taken out. They put me on hold and when they came back, I was told that it was a mistake, apologized and stated I would receive a refund. I didn't get it, 2 weeks later I called again and had to go through the same run around and then they finally saw the mistake and asked me to be patient and I would receive a refund. It is now 11/14/19 and I still have not received a refund., nor received any communication from them. I will pay my last account of using the 90 day same as cash option but after that I WILL NEVER DO BUSINESS WITH THEM AGAIN.

Truly appalling. Whatever you do and no matter how desperate you might be, avoid this terrible financial company. I tried to order a tablet from Lenovo and they charged me $45 for the initial payment but the order didn't go through and I wont received the item unless I try and re-order. They wont acknowledge that the order didn't go through and will no doubt continue to take payments unless I request a new bank card. Zibby wont answer any calls even after waiting on call for an hour or respond to my emails. I cant even login on their crappy website.

DO NOT USE THIS COMPANY! They are shady! Not only do they lie to you, when you do the math they over charge you and you have to fight to get them to refund you. They know what they’re doing is wrong, but they are counting on you not to pay attention! Scammers!!! I talked to 3 people on 3 different occasions and they assured me it was right, it was not.
Also after the 90 day buy out you have an interest rate of 65% I paid it off before, but they don't make that clear when you go into the lease. They say all you pay is $45. Well that is ! They charge $45 dollars and 45%, but there numbers were wrong and I called them on it. DO NOT USE THEM.

This is the worse company I ever worked with!! Please avoid them at all cost!! I financed a couch and dining set for $700 for our new home in a different state. The dining set did not fit and we returned the set the next day. The cost of the dining set was still on my account and every time I spoke with a representative I had to explain that I returned that item. Three different people gave me different buyout amounts and one even told me that if I didn't buy the couch in it's entirety that I would have a buyout amount of $734.41 after I already paid $383.85. So they wanted me to pay 1118.26 for a $700 couch!!! Avoid them at ALL cost!! I'm also writing to *** as well because that's who lease them.

This company has taken a payment more times than was agreed apon and 2 payments at the same time. It has caused 6 overdraft fees in the last month. I tried to stop payment but they change the amount by a few cents. So the bank has to let it threw. This business is a bad place. I have never had to contact Revdex.com in my 15 years of adulthood!

On November *, 2019 I visited ***, an online business that accepts Zibby lease options, and placed an order for some furnishings. During the checkout process, I completed the Zibby lease agreement and attempted to process the order. At this point, I received an email with a copy of my Zibby lease agreement welcoming me to their program. However, the order with *** was never placed. Apparently there was a technical error that allowed the lease to begin but no merchandise to be ordered. Now, I have a contract requiring that I must pay $250/month with nothing in return. I called Zibby to address the issue, and was laughed at by a customer service person named Pedro. I asked to speak to a supervisor who stated that this happens and that there was nothing she could do about it. They charged me $45 to process the application and now I'm bound to a payment plan for products I will never receive. The kicker is that they only laugh at me when I call customer service. They refuse to deliver the order, since they have no record of it other than the lease agreement that somehow I still have to pay.

Predatory interest and payment scam would be a compliment. They make it look like you just buy and make the payments, but the interest will put you over your payment due and they will/have take several hundred dollars from your bank account without any warning, forget the regular payment, they take what they wanted from me for months, leaving me crippled financially and customer service refused to help refund or stop the extra withdrawals.

Save yourself! Do not, I repeat, DO NOT use them if you truly don’t have to. I have 2 open leases and overpaid one by mistake. Asked if they could apply it to my other lease to pay off that one since it’s a smaller balance first and they told me no because “our systems don’t allow that transfer of funds”. Like is this a joke? How could someone not let you pay your debt off sooner?! Like I truly do not understand!! And for it to not affect my credit?? Truly and utterly a rip off. How they’re in business beats me.

Called Zibby on Oct.*** to set up payoff. Paid 184.00 and set up another 184.00 at end of Oct. Now I receive email accountis past due. I call and I am told no jotes for next payment so now next payment to payoff is 258.30 but I only owe 3 payments 73.10 and 1 payment 37.50 total 256.80. So how does this make sense. I was told after Oct *** payment 50 percent was added to my account. Something is wrong none of the numbers add up at all. Just want the orginal payoff of 368.00 that was quoted to ne on Oct.

Used the company to finance a phone. Every single month has been an issue with them taking the payment out of the bank account twice. After 9 months they just realized their system was taken the payment twice. Now to make matters worse, this month they only put $5.00 dollars back in may account instead of the full amount of the extra money they took. Honestly, I'm glad I found the company in the Revdex.com because I was beginning to think they were scam or a ghost company. Horrible, horrible experience. I will give 1 star because that is the least possible but they don't deserve it.

This company is by far the most difficult to deal with. The responses I get to questions I email them is "please use our chat response", and even less helpful through *** messenger. I don't know many working people who have extra amount of time to sit around and use a chat option with their creditors. It's 2019, it should not be so difficult to get answers and some type of decent customer service. There's no contact phone number for customers, no billing statements, and this...this is the oddest....even if you pay in advance and as much as three times more than your payment amount, they will hold the amount you paid is a "suspense account" and then still draft your checking account for the payment you've already paid. There's also no option to set up payments more than 14 days out and there's no autodraft option to just set up monthly recurring payments to come out of your checking account each month. Again, none of this is beneficial nor helpful to the customer. I have accounts through ***, ***, *** and so on, and I've never done business with such a company as Zibby. I'm fully preparing myself for further and more serious issues in dealing with this company, even long after my account is paid off. Something is not right with Zibby.

I purchased a laptop from lenovo this year , I cancelled the order the next day due to long lead time of the item yet zibby has been charging me since july , I tried to resolve this over the phone but their customer service is useless !