Zip - Buy Now, Pay Later Negative Reviews

Zip - Buy Now, Pay Later App Complaints & User Negative Comments 2024

Zip - Buy Now, Pay Later app received 18 complaints, negative comments and reviews by users. Have you ever had a bad experience using Zip - Buy Now, Pay Later? Can you share your negative thoughts about zip - buy now, pay later?

Zip - Buy Now, Pay Later for Negative User Reviews

✓ Sorry ServiceSorry excuse of a company. I have tried to contact their customer support by phone four times this morning, nothing. I put in a different card to pay my payment, still received an error message. Spoke with someone last week about the issue and was sent an email as a follow up of what was discussed over the phone, and was told that the issue had been sent to their technical team to be resolved. Of course I had another payment due yesterday. Same ERROR MESSAGE. Same issue, no resolution! HOWEVER, they were quick to slap me with a LATE FEE for their technical issues! I even put in a different card, same issue! I have screens shots of the error message for both cards I used. I also have a screen shot of the message I sent their customer service this morning, in which I have to get a response. This is not a good look for their company and I have decided that I will NEVER USE THIS APP ANYMORE!!!!! This is the worst service ever and I see others are having the same issue with no RESPONSE from QUADPAY. Seems like a scam to me! APPLE, you need to be looking into reviews and investigating this APP too as you have other apps as of recently! DO NOT DOWNLOAD THIS APP. Do not use this app, as they have a lack of customer service and they have a lack of resolutions. Not happy with this company at all. If I could leave 0 stars I would. One star rating is too much!.Rylee23Version: 1.95.1

✓ Poor serviceThis app would be great if it worked the way it was intended to. I initially use QuadPay for a purchase with primitive and everything went great. I downloaded the app signed up for the card and was on the waiting list. While on the list I used QuadPay through primitive again with no issues. I was able to pay both off no problems. Once I was approved for the QuadPay card I had issues tried to make a purchase at Under Armour and the payment only processed for part of the purchase amount. I couldn’t get the QuadPay app to work so I called Under Armour and canceled the order. They said they will issue the refund. The 3 days Under Armour said it would take for the refund to issue passed and I got an email saying it was issued successfully. QuadPay hasn’t issued my refund for the initial payment, my card was taken away and I was put back on the waiting list. I tried to use the automated messaging system to solve the issue but that didn’t happen. I was prompted to send an email for further support, so I did. It has been almost a week with no response, or refund. Also the QuadPay app now says I’m denied the card and must try again In 30 days. This is unbelievable 4 payed off purchases through this company and one currently open, but they take the card and say I’m denied? I don’t get it. I really did like this company and the app the ability to use it anywhere is great, but now I don’t know if I will even try to use it again..C. saathoffVersion: 1.25.12

✓ Convenient ChristmasI definitely wanted to leave this review Zip started out with problems couldn’t get it to work they finally got it fixed to do with you purchases paid ahead of time I’m Leica merchants dream pair I pay ahead of time pay it off early go onto the next purchase. Then started giving me problems where both my phone numbers were connected to somebody else’s account. Took a while to get that corrected it wasn’t until I was completely locked out of my own phones but one of the agents said well can’t you get access to another phone number? What?!! What?!! I pay a phone bill every month so someone can use my numbers?! instead of removing my numbers from somebody else’s account. Now… conveniently I can’t make purchases at all …because they saw a “suspicious activity” (haven’t done anything different other than what they’ve advised me) to do and I can’t utilize Zip for Christmas so yeah how convenient is that?!!! my account is under review for suspicious activity huh… haven’t done anything it a sagging thing !!!…but I can’t use it either! so just too bad pretty much that’s what they’re saying. After this huge stunt …I’ll pay off my debts and shake the dust off my feet. People in my household won’t get gifts for Christmas they will have to wait. Zip doesn’t care!! Well I don’t care how many people turn away because of my review!!.BasicWoman972Version: 1.129.0

✓ Customer Service is HORRIBLE!!!!So I’ve been using QuadPay for a couple years now. I’ve never had problems with QuadPay until just recently, customer service has been giving me the run around. The app was always easy to navigate and very convenient UNTIL I was locked out of my account for no apparent reason. I always pay my installments on time and everything. They locked me out of my account and I needed to access it so I could update my payment method. I was originally using a different debit card for a past purchase but I’ve recently switched to a different bank that I now use as my primary bank account. All I needed was access to my account to switch my cards. The previous card I used had little to no funds available because I stopped using that account HOWEVER QuadPay CONTINUED to withdraw my installments and every transaction I was charged $30 overdraft fee from my bank. I have been emailing and chatting back and forth with customer service for 1 month now in regards to this issue. They will not give me access to my account to change my payment methods and I’m still being charged. They have done NOTHING and they keep lying saying they will forward my info to their imaginary “internal team” ( THAT DOES NOT EXIST ) I hate this app now and once I get my account resolved I’ll never use them again..JaduhhhhhVersion: 1.80.2

✓ Predatory Lending ServicesUpdate: This app continues to get worse and Zip is about as predatory as lenders can be. Had a loan payment due on 6/28 and everything seemed fine. Until I get an email on 6/29 stating that my loan is now in default and that I’m being charged $7 in late fees on a $17 charge because it was one day late. If Zip had sent me an email when the payment didn’t go through I could have corrected it, instead they waited until the next day to notify me that the payment hadn’t gone through and that I was being charged extra because it was over 24 hours late. Previous: Can’t even use the app because of some sort of recent glitch where it won’t allow me to request a new virtual card. It keeps trying to make me use a card that was assigned and used a week ago and has no balance left. Can’t cancel the card, can’t request a new one, basically can’t use the service. Customer service is useless as well. They have two options: Live Chat and send a message, live chat takes 24+ hours to get a response, and if you don’t respond in 5 minutes after waiting 24 hours, they close the ticket. If you use the email feature, you’ll never hear back. It’s been 3 days now since I’ve tried getting this fixed and it’s clearly not something they care about. Just deleting the app, there’s too many competitors out there that offer a service that actually works..Jessm98034Version: 1.154.1

✓ Not worth itI got this app and wanted to us it on a merchant for an item I’d need for an event at the end of the year. Stock was limited but i didn’t have the money to pay to make sure I got my hands on it. While it was SUPER easy to sign up and I got an instant approval rate, the rest not so much. I went to the app to get my item. Hit “pay with Quad” entered the total and got my payment schedule. Awesome! When I get ready to check out, the card numbers have already gone through. The app decides to refresh and there’s no longer the card numbers. But it never actually gave me numbers either. And Every time you order something you get a new ghost card. I tried to just re-do the order and go for it again. Incomplete because my first order with that merchant is “still in progress” even though the stores checkout said otherwise. Then the app decided to charge my card FIVE times. And that trigger my bank to shut my account down for fraud. I contacted customer support when the app would also no longer accept my card even after the bank approved Quad to withdraw funds. Customer service is a JOKE. She told me to try it through different devices (laptop, tablet etc.) or a different search engine and private mode. Every time I asked to close the account I got no response. Upset, because I REALLY thought this would be THE app. Guess not 🤷🏻‍♀️.KittyV.Version: 1.63.5

✓ They will restrict your account for any reasonAfterpay is a better app to use. I didn’t have a great experience with this app. When I first created my account they never gave me a balance just a blank app asking me to check back later for a balance. Once I received my balance I made a few purchases from Walmart and another website. I made all my payments on time. I needed to update my payment information. Once I updated my payment information my account was immediately restricted without any good reasons. I contacted customer service before and after I updated my payment information but they didn’t respond back in a timely manner. A few days later I receive an email saying that they couldn’t verify my purchase or me as the user. My first time using this app was full of crap. The slightest purchase from anyplace can get your account restricted fast. All my payments were on time and paid in full!!! I’ve requested for my account to be deleted from their platform but apparently there is a waiting list for that to lol smh. This app is kind of iffy if I can’t delete my account that I can no longer use. I usually read reviews but quadpay popped up as a payment option right along with Afterpay from a different website. I should’ve just used Afterpay and I would have no issues..DrakmonkVersion: 1.80.2

✓ Fraudulent AppI’ve spent around $1000 total this year through this app, so far, and have been enjoying its flexibility up until now. I tried to order through Sephora 5 days ago and kept receiving an error message after submitting the order - then quadpay charged me for my first payment of $48 - normally you can cancel a transaction however the app has very limited options and it wasn’t appearing. It’s been 5 days and I have only received automated responses and two times they sent the same response - proving you can’t talk to an actual person. Therefore no one is reading what I’m actually saying in my message. So now I am currently stuck with paying $200 for items that I will not be receiving as they were never properly ordered or processed through Sephora. I have recently received a message stating that I need to go through Sephora to resolve this however neither my beauty insider account or their info proves that an order was processed because of the error with payment - and since quadpay does not have actual people responding to you - I don’t see this being resolved unless I cancel my card and claim fraudulent on their part because that’s what this is beginning to feel like. BEWARE THIS APP. If something goes wrong or there is a glitch on their part they will NOT help you - and keep your money! Check the better business bureaus website as there are many other people struggling with their complete lack of customer service!!.Mol090909Version: 1.37.3

✓ Not happy at all!Let’s see.. I thought I made a 52$ purchase to test it out first the Order so called went through and took the first out of 4 payments out of my bank account here we are two days later I receive a text said that my 52$ was declined do to the card only had 25$ and I need to requested a new one..I did get another item as well but apparently every single time you make or want to make a purchase you have to put in how much your going to spend before you spend it like why can’t I just buy stuff and pay it back like all the other ones. Yet because the first order wasn’t shipped it didn’t ask me to create another virtual card it so much they don’t explain it’s to many circles to go around to use it. It says it will not take out what you do use yet it charged me and then said it was declined after wards I don’t like it!!! I only wanted to use QuadPay because the have better places to shop the Afterpay that’s why I gave two stars the process of this is to much of a run around now I have to figure out how to get my money back do they even have a live customer service because last I Check u have to email them and wait for a email back which I done before and still never received a reply a month later. Don’t waste ur time!.Beautyful702Version: 1.103.4

✓ Great concept needs TLC.I have actually had this app for around 3 months. My first purchase got denied when I tried to use it. It was not the money. I just paid in full. I wanted to see how well it worked. I wrote 3 emails to QuadPay. After the 3rd the response was “please review the support section. “ I gave it some time 3 months lol. I actually forgot I had it. You don’t have a physical card. Only cards similar to “on line gift cards” who’s numbers switch each time. I guess. I called to ask them about that. As you can imagine the phone message was “due to a high call volume we cannot take your call, please try back later”. I finally got it to work and tried to order something online. It worked to perfection! I don’t know why all of sudden it worked? I did nothing after the 3rd email lol. I went to use it again. Denied lol. So...here we are. Honestly it’s a terrific idea! The game plan this company is wildly awesome! However, for me I am just going to let it grow as a company and come back to see if the customer service is fixed. Because, if I spend $500-$1000 or even $300 and something goes wrong...YOU WILL NOT BE ABLE TO SPEAK TO ANYONE! I personally cannot deal with a place with NO customer service..JayKreutzVersion: 1.80.2

✓ Don’t waste Your Time...I got QuadPay a few days ago and was excited to try it out. I followed the directions and linked my debit card and set everything up. Ready to do some shopping I had an available balance to use of $250. After picking my wife out a Yeti cup for $37...there’s a minimum $35 order, I went through everything as directed and placed the order using the virtual one time visa number they supplied. It didn’t go through. It would just say “in progress” which QuadPay explains is what it says when there’s a problem. You then have to cancel and confirm. The $250 was returned to full amount HOWEVER my bank account was charged the first payment. Under the impression I did something wrong, I tried again carefully following what I needed to do. Again “in progress”, again it was cancelled and Again my bank account was charged. This App doesn’t appear to work well at all except when it comes to charging your own bank account. I wanted to discuss with someone but there is NO PHONE NUMBER for customer service. They will only chat with you and after sending several messages and trying to navigate their customer service-free site, I deleted it. I read several reviews after of people who are constantly being charged for orders that they were cancelled. Good Luck...there is no way to speak to ANYONE. How this app got 4.9 out of 5 is beyond me. Shawn.Shawneeic1999Version: 1.85.2

✓ DO NOT DOWNLOADPlease read this and spend your money elsewhere!!! This app offered Geico in their split payment services. I had a bill with Geico of $165. So I said why not. I went to Geico and used quadpay as my payment option. It went through, it was successful, and I received text confirmation of this. About a day later, I received a message saying that my order was not successful. I went to the QuadPay app and checked to see what was going on. They had double charged me literally! It went from $165 to $331. My payments went from $42 to $97! I was confused, and highly upset! This is where things get messy. I reached out to them over 3 times during their business hours and got no response! (To make thing sooo much better, they don’t have a phone number but only a chat bot until a real person can chat with you). So I tried again, and again, and again. Still no response. Till this very day, I still am out of $165 that has been stolen from me and now they are blatantly ignoring me. This is not the first time I’ve been ignored by them involving an important matter. The last time I had to be very rude, and threaten to get the local new involved for someone to help me. And it looks like this is what I will have to do again. PLEASE SPEND YOUR MONEY ELSE WHERE , SOMEWHERE WHERE YOU DONT HAVE TO HARASS AND BEG THE COMPANY TO DO THEIR JOB!.Yaya203355Version: 1.110.0

✓ BBB rating is an F for a reason!(The only reason you see 5 star reviews is because as soon as you try and make a purchase they text or email to enter to win $150 if you leave a review and screen shot it) I seen this app and thought I’d check it out. Read all the great reviews. I tried it got approved to use 200 I used 90 through Walmart. They charged me the 25% of the order and charged my card. Then I got an email from Walmart stating they delayed my order for “financial security” I then contacted QuadPay and they said they can process orders up to 7 days sometimes 13. We’ll you should have made that know, maybe make that a clear statement before people make purchases. It’s been 4 days my purchase was still open and hadn’t changed to processing or in progress so I contacted them once again. They said Walmart denied the transaction and he just stopped all further installments and issued a refund for my 25% and should be in my bank in 5-10 business day or 13 calendar days. So then I contact Walmart and they said they didn’t deny it they accepted the order but the financial institution did not approve the transaction. So they take the money and then don’t approve the transaction and then when you follow up days later to find out what’s going on they barely say the transaction was denied and they’ll start the refund now. No wonder your BBB rating is F..Raiderz1119Version: 1.77.1

✓ Bad businessI’ve use this app for years and up until today. I have never experience like this before I placed the order online for service and the order initially went through after getting the message that my order was processed. I received a message that my order was declined and to go back and change it so I can get my spending power back upon doing that it would not allow me to get my spending power back. I messaged customer service and the only thing they could tell me what is the generic message of it may take up to 13 to 14 days I tried to get clarification and that’s all they kept saying although you’re speaking to a human supposedly it’s almost like you’re speaking to a robot because nobody can give you a definite answer. The funds were removed from my account, even though the order was not processed now I have to go without money for a order for something I need it because the app made a mistake. It processed the order without it being approved. I am currently contemplating fighting to serve my bank, as this is malpractice on their end and bad business for their company. 2 weeks later this had happened again and I will no longer be contributing to a scamming lying company.AgnlazeVersion: 1.187.2

✓ Guys...Come on...READ BEFORE YOU SIGN UP!! Found this app and from the reviews and info supplied above it seemed like it could be a good thing to try, especially with the holidays around the corner. I downloaded and signed up with my personal info in the most recent version of the app. Even went so far as to add a payment method and awaited the “you’re account is ready to use now shop!” Like it exclaims above...simple...easy...shopping with payments. But, I received instead a message saying, “due to the popularity of the app, we can’t accept you currently, but keep an eye out and we’ll send you an email when you can join...or feel free to try and retry in a month or so.” First reaction is “whaaaa? ok” then more like “okay so you enticed me to simply sign up and get started today” only to slap me with a “hey! Isn’t it great?! were super popular at the moment so we can’t have you in the club but thanks for signing up with your details...maybe soon we’ll have a spot..maybe a month. Up to you to check back. Yay us!” Guys...come on. I get the trending join or waitlist for early access marketing and even the classic old Facebook invite only tactics that some are still clinging to..but, not disclosing anything in the details above saying something about it? Even the same semi pompous gloat message would do. Well hopefully this will reach a few would be applicants ahead of time to save them the dumbfounded expression I had moments ago..ReallyNoReallyComeOnNowVersion: 1.35.6

✓ App is so unreliable!Most times I make a purchase with this app, I encounter a problem. The app says you can just report the return, but about half the time, I have to get in touch with customer service to get it processed. My last purchase through this app didn’t even break up the cost into payments - it just put the whole amount on my card. The order went through with the vendor… I just paid for all of it at once. I am still sending emails back and forth with customer service on that one because how do I do a partial return if the app says the purchase wasn’t completed. The purchase I made before that with Zip (Quadpay) somehow charged me for a cart that I had abandoned a few days before instead of what I had literally just purchased. It was bizarre - my bank account reflected the cost of the purchase from the abandoned cart while Zip (Quadpay) charged me for the purchase I actually made that day. The cost of the abandoned cart was more expensive than what I actually bought. Sound confusing? It is a time consuming experience trying to explain all of this over email to customer service… These things were all worked out through customer service, but it takes time and writing paragraphs and sending screenshots. I may keep this app because sometimes I just can’t make a purchase without splitting it up, and customer service will fix things, but it is truly a headache..Rosty123456789Version: 1.118.0

✓ Not using this pay after app anymoreFirst I been with quad pay/zip pay for 3 years and always pay back early and never missed a payment or pay on time and my spending limit only increased 50 dollars and Besn stuck there for the longest time, second I’m noticing that they starting to charge for every little thing now, you have to spend 30 bucks first with most stores in order to Finace with them and now all the sudden if you wanna change the due date they add an extra 2 dollar charge to do that, nope. Klarna and after pay don’t do that so why would I sit here and start being charged for certain purchases such a a 4 dollar added fee to even use it??? It used to be no extra cost to Finace it and on top of that I have 2500 pay limit with after pay and klarna and had them the same time as zip and still can’t get more buying power even after having 100 percent history it’s still only 450, now yall wanna charge to change due dates, charge extra to make a purchase, and now I have to spend 30 bucks first? No longer user friendly anymore, they are getting greedy. plus the zip card that came on the mail is pointless if I have to open the app first and enter the amount first before I use the card. Done using them!.LetmeusemtownVersion: 1.188.7

✓ Use to love the appI started using quad pay December of 2019 when I brought Ugg’s for my girls. When I checked out and seen that option I said to myself why not. The Ugg’s arrived quick, and then I received a notification to download the quad pay app. I downloaded it, and received a message about waiting for approval because there was a waitlist. Then when my linked to the Ugg’s I just brought, and made my first installment I became eligible. I started making purchases, and I was in love with this app. I always paid earlier than the due date, and never missed a payment. Within the last few weeks I noticed that my available credit kept decreasing, and I haven’t been making any purchases. Of course they only have contact through email and live chat so it’s hard describing what the issue is with someone over a chat option verses speaking with someone over the phone. When I spoke with someone they stated that there has been an issue with multiple accounts decreasing the available credit, and their techs are working on it. This is week 4, and still no reply and my available credit is not where it is supposed to be. I use to love Quad Pay, but this really turning me away..Jessica1774838Version: 1.56.3

Zip - Buy Now, Pay Later works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or contact Zip - Buy Now, Pay Later.