Katapult

I used Wayfair to make a small purchase, where Zibby was offered as an alternative. After accepting the loan, a box popped up saying 45$ was due today. I thought this was going towards my purchase. Rather, it was pocketed by Zibby (minus the 5% they would make on the payment of the loan). Nothing I read said that the payment would go to Zibby. When I inquired (the following day), I was told by Zibby that there is nothing to be done. This is fraudulent and bad business. I would never pay 45$ on an item that costs 80$. This would turn the 80$ item into a 125 and again, this does not include the additional 5% which would then take the cost to $131.25.

I purchased furniture last November from a furniture store. It was their way of purchasing with no credit check. At the time, trying to rebuild credit so I didn’t want the hard check done by the store. I was first lied to by the salesperson (that’s another story). I was told the payments would be set up on the day I choose. They weren’t. I was told my payment would be a particular amount. It wasn’t. The automatic payments didn’t come out on the dates designated, I had to call repeatedly. Now I’m down to the end of my lease and I am not liking the reviews I’m reading. My issue today, I missed some payments due to being in the hospital and the being on leave. Once I started back to work, I would just make arrangements by phone. No automatic payments. The last few payments I made (the last being October 3rd), were also set up by phone with a representative. Well, today, after not having processed the automatic payment in more than 3 months, they decided to process. I was not informed when I made my payment on the 3rd, there would still be an automatic payment processed for the 11th. When I called the first time, the lady told me that their record showed I had not paid since September, so that was why the automatic payment came out. That was not true. I told her that the payment was not authorized, I needed it refunded. Long story short, she put me on a “brief” hold to investigate then hung up on me. I called back, I tell this rep what happened. I told him I needed the money refunded and why. By the way, the payments I’ve been making were more than my bi-weekly scheduled amount. He put me on a 6 minute hold
and came back to say that someone would be reaching out to me about my refund. I don’t think this will happen. Now, I have two medications I have to purchase that I have no money for. I’ve had to cancel an appt because I won’t be able to pay for the visit. I will be glad when my lease is over. Business with Zibby has been a headache from the beginning. I would not recommend this company to anyone.

Made a $999 purchase through Zibby. I justified spending $40 a week, and ultimately more than double the value of a computer as it's easier to spend $40 a week than $1000 up front. Probably the worst financial decision I've ever made. Now I'm nine month in, shaving spent in the neighborhood of $2000 on a $999 computer, I thought I bought the computer out by making a large payment, as is the option on their website as a buy out option. A week later, I get an email saying there was a "glitch" and I do not actually own the item I thought I bought out. They claim that the payment "failed" but I'm still being charged the amount I paid to buy it out and it's still being reflected as a payment on their website. This entire thing is starting to sound like a scam. It almost has me thinking of changing my card information and not allowing them to charge me anymore.

Horrible first experience. Cart total was $470 then spiked up to $880.88. Yes I understand lease to own but if this is not going to reflect on my credit then don’t do it. I was going to complete purchase with Wayfair and use Zibby installment plans but good thing the Wayfair app had a glitch and didn’t complete the order but I still got an email from Zibby of my installment lease. Had to call customer service and the representative was very odd. Judged me by my name and decided to speak my language when I told him I didn’t understand him and he was very unprofessional. Now I have to wait 3-5 business days for to see if my cancellation was approved and if what I stated was true that I had no order with Wayfair ,when it took me less than five minutes to find out.

If I could give a 0 I would. This place has the poorest customer service I have ever dealt with. Do not reccomend doing any business with them. Sat on hold for over 2 hours and never for to talk to a live person. Chatting with someone is a joke. They dont know answeres to anything. BUYER BEWARE

This company promises 0% interest on a loan that I received, only to charge an extra 65% on the loan after 90 days of signing up to the loan.

I'd like to be able to contact Zibby but their site does not indicate a way to speak with someone. I had paid extra payments in the beginning of this "loan" process and the extra money I'd put towards this item is now in a "suspense account". I'd like to pay off my item, which shows $67.47 with my "suspense account" which shows $80.00 paid extra. I'M NOT ABLE TO PUT THE EXTRA MONEY TOWARDS THE FINAL PAYMENTS!!! This Zibby is a rip-off! Lord knows how much extra I'm going to have to pay due to thier lack of customer service! I'm extremly dissappointed and would WARN ANYONE NOT TO USE THIS SERVICE!

This is truly bad business what this company is doing. They are counting my “double payments “ as single payments out of my total payments due. I was late by one day and paid two payments together and I was told It still only counts as 1 payment out of the 27 I owe which my lease agreement says 26. My early payout option amount is very from what’s in my contract. I’ve paid over 700 dollars to them and my early buyout option is still more than my original balance. This is not right and sad companies can get away with this

I went to make a purchase on *** and saw that by financing there would be a percentage off. So I decided to go along with financing through a Wayfair credit card. Long story short, I somehow ended up with a Zibby credit card in which I did not intend to do. Once everything was completed I was told that I have a balance of $292. This ,made no sense to me as my balance on *** is only $245. I paid the $45 dollars initial fee as well thinking that it was like a first payment, therefore thinking my balance would go down. But no, it did not, and it was not clear to what the $45 was for. I called customer service to try and cancel the card immediately after purchase. The man told me the card would be canceled and my money would be refunded. This never happened and my order was still shipped. I still want the furniture but feel it is unfair to right off the bat charge me so much more money. Ive told them that my order is only $245 and they tell me that its not, yet I have the invoice from ***.

I applied to Zibby to see if I could get financing to purchase a computer from ***, the told me after I applied that I was approved for $1,600 to make a purchase. When I went to try and make the purchase of a computer and use the financing I was told I was approved for, inward told by Zibby then that I could not be approved to make the purchase. I was lead to believe via text message and email that I was pre approved and had until October *** 2019 to use my pre approved amount.

I leased items from Zibby. My items were returned to Wayfair and they notified zibby of the return. I sent several e-mails and made phone calls back in May 2019 to have them remove the items from my contract because they have been illegally charging me for items I do not possess. I verfied that Wayfair notified them, which they did, and I have copies of the correspondence. After countless attempts to resolve, I denied them access to my account and stated I would pay for what I owed but they needed to update my account and refund me the money that they charged.

I spoke with a representative in July and told her I wanted to end my lease and return the furniture because I was dissatisfied with their company and fraudulent charges. She stated I would receive a call to schedule a pick-up and update my contracts for furniture. It would be resolve in a week. That was back in July, it is now October.

The company refused to respond to my e-mails that included the contracts as well as the correspondence from Wayfair stating that the account merchandise had been returned. I sent e-mails to Zibby and was ignored. They have continued to attempt to collect funds, but I am refusing to pay until they have updated my contract. Secondly, their contract agreement states that I can cancel my lease at any time and have the furniture returned. I attempted to do this, and they have not responded. They have continued to charge me even though I have made every attempt to have the lease end and to return items.

There is a reason Zibby will go after people without credit. Trust me on this one, it is not recommended to use Zibby at all, even after fully paying off your debt it won't actually happen. You will be drafted afterwards and you will have to investigate everything yourself in order to get back your money. The only upside is the customer service that is by text (Tonya was the most helpful that actually allowed me to get my money back), not call.

I signed a contract with them on 7//19 to lease a Lenovo computer. Paid 45.00 processing fee and a payment 21.67 on 7//19 and bi-weekly payments due with the first payment due 8/9/19. They debited 19.13 from my account on 8/*/19 and did not give me credit for the payment. They debited my account again on 8//19 which was not authorized because the next payment was not due until 8//19. I sent an email to their email address with verifications of these payments being debited from my account and they have done nothing to credit these payments to my account. I also returned an item back to Lenovo which they refunded in the amount of 29.99 and Zibby has not credited that refund to my account either and I sent them verification of that refund as well and to this date nothing has been credited to my account. I had to cancel my debit card so that they do no continue to debit unauthorized payments from my account. I can email to you the documentation I emailed to them.

This company is everything that everyone has written! Wish I would’ve knew that before I signed up with them they over charged me for the same bill for months and now is giving me the run around on a refunds.. SCAM SCAM SCAM. Customer service suck and no one wants to help you worse company I’ve even been with save yourself the trouble and don’t use them

I ordered a laptop on LeNovo to be financed through Zibby on 09/*** went into a lease agreement and paid the initial $45 plus a $100 payment. The laptop was supposed to be shipped on 09/*** and delivered 09/. However, I learned from checking my order status on LeNovo that it had not even been shipped on 09/. When I inquired about the situation, I was told by LeNovo customer service that there was an issue with my payment and to contact Zibby. Zibby claimed they had made the payment and that LeNovo should have sent my laptop. This back and forth went on for more rounds that I could bear and since no one could provide me with an agreeable solution and had wanted the laptop delivered as fast as possible for work, I went ahead and cancelled my order to take my business elsewhere where.

On the same day 09/, Le Novo sends me confirmation that my order had been cancelled and had forwarded the same confirmation to Zibby. I followed up with Zibby through series of calls and emails to cancel my lease agreement with them and refund The $145 I paid. Customer service always came back to me with "we're working on it and will let you know when it's cancelled" responses everytime.

It's 09/*** today and yesterday I got a notification from Zibby that my next payment is due. Again I called and emailed Zibby but customer service is still unresponsive. I do not want to pay for a service I never received. Plus, I would like my payment refunded. This is borderline a fraudulent practice, 1) refusing to cancel a lease agreement that Zibby did not fulfill 2) still charging me for an item that I had never received and have cancelled way ahead in time.

I need my issue resolved as soon as possible!

On Sunday, August *, 2019 you made an unauthorized auto-pay withdrawl from my Wells Fargo account for $89.94.

My records show that I made a one time payment to Zibby on Tuesday, July , 2019 in the amount of $193.59 using my Wells Fargo debit card. My records and yours should verify that prior to the transaction on July , 2019 the auto-pay function on Lease Wayfair *** was turned off.

A member of your team took the payment over the phone on Tuesday, July , 2019, and during that process turned the auto-pay function back on without my permisssion. That payment was a one time payment and the card was not meant to remain in your system for future transactions.

I contacted my bank to overturn the tranaction due to me keeping a certain amount of money in that account to pay bills, which due to your error overdrafted my account.

Also, as of Monday, September , 2019 my account is no overdrafted once again due to Zibby's claim that you had permission to use auto-pay.

This is not truthful or ethical.

I have tried to work with Zibby after failing to do my due diligence regarding the reputation of your company. It was fault for assuming that Zibby was a compnay similiar to Affirm, which I used in the past to make Wayfair purchases. It is also my fault that I will pay $2160.08 plus tax for a small sectional, Varennes Reversible Sectional, that was valued at $1079.99 because I was trusting of the intrgrity of the companies Wayfair would partner with to ensure quality customer service. I own the fact that I should have went to the Revdex.com (Revdex.com), which I see Zibby is now trying to resolve legitimate complaints.

However, Zibby making a withdrawl from my Wells Fargo account on Sunday, August *** 2019 was not my fault, and I will not own the responsibility of your actions. I have and continue to make it clear that my account with Zibby is, and will not be in a auto-pay status.

I made a payment to Zibby on Thursday, September , 2019 using another bank and made several attempts, even having to pay my account online. Again, the auto-pay function is off. I asked him time and time again after the events that took place Sunday, August *** 2019 if it is off.

I'm asking that you reach out to Zibby to rectify this error.

First and only order through Zibby: $1104.98.
Total expected expense after one year, every-other-week payments: $2386.8
Zibby does not report timely payment history to the credit bureaus, only late and missed payments.
That is to say, there is NO potential benefit to signing up with Zibby, there is nothing to earn from them unless you utilize them for rare purchases as "90 days same as cash" offer. They do NOT help build credit, you are only RISKING yourself and your credit by signing up through them.

Wow.. is all I can say.. I almost fell for your tricks Zibby...
I was near making a purchase using my approved $1600 with Zibby, and I am glad that I got curious and did some digging... Not only has Zibby fit the mold exactly that the reviews here have portrayed of them, they have now just began ignoring my support chats as i've tried to reach back in.
I will sum up my day. I initially began my day with an outreach via chat to see how everything works, the fees, what to expect, how zibby makes their money, etc. After 3 different conversations via chat that somehow all 3 went to the same "Hallie T" (Is she the sole employee of Zibby? 0_o ) but she was sure to be rude throughout all of our conversations while they lasted. Not to mention not even answering my questions and repeatedly referring to the statemend "All of this is available on the FAQ page and your agreement during checkout". In which is a lie, otherwise i'd not be wasting my time chatting you.
Lucky for her I didn't think to copy/paste the entire conversation before writing this review and have since closed the chat or it'd be here with my review.
This is pure lies and dishonesty at its best. Just be warned people..

I purchased a stereo on August *** 2019 and was scammed do to the retailer making 2 lease contracts when it was only suppose to be 1 for $350.00 so on August *** I called zibby to let them know what was going on they said they will look into I called the 1800 number for a whole week agents were acting as if they wee working to fix the problem only to find out nothing was being done no manger call me back as I requested so I requested to send the radio back but no one contacted me nor call me on how to ship the item back justice need to be served why is this company still in business they fraud I will contact my attorney if I dont hear from someone its been a whole month this is absurd this company need to be put out of business something ain't right it's a scram and fraud all at the same time why cant a manager get on the phone this is crazy NEVER AGAIN the owner of this operation need to be under investigation and he need to be put in jail for treating people this way this no way to do business with people at all

They have a clause in their contract that is PURPOSEFULLY DECEIVING and when you do ask customer care; they are not clear