AfterpayReviews 228

Afterpay is alluring in that you feel like you're not spending any money, because it's set up for them to auto deduct on a monthly basis. I like this concept, in general, unless an item needs to be returned. Afterpay is horrible about this, and I've wound up having to file a claim with my bank. Not only that, the freeze that they put on my account whilst the dispute was in effect, was not lifted until 7 months later. When I finally realised this, I contacted them. They replied that there was a dispute going on with my bank! It was 7 months ago that this began, and on my end, everything had been sorted! This began an entirely new dispute of back and forth emails with them wanting written letter from my bank proving that the case had been settled. At this point, so many months later, all I was able to provide as proof was a screenshot of my account showing the amount. Then, it took another several weeks for them to finally lift the freeze with annoying emails back and forth. They never took responsibility for delaying the return of my funds. I'll summarise best by the copy/paste below of our second to last exchange before they finally lifted the freeze:

AFTERPAY: 1. Looks like it took a fair bit of time to have those disputed payments reversed/repaid - why was that?

ME: Because afterpay took too long to catch their oversight.

AFTERPAY: 2. Moving forward, how you will avoid the same thing happening again in the future?

ME:I don't have to avoid anything other than fully trusting that afterpay will do their part in a timely and considerate manner.

AFTERPAY: We want to be confident that if/when, we allow you to shop with us again that you will be able to meet the repayment requirements on time, so any further information you can provide would help.

ME: Are you serious? Prove to me one time that I've not "paid on time." That's impossible, considering the money is AUTO-DEDUCTED from my account. Again, you're doing, not mine. Unbelievable.

AFTERPAY: Once I get your reply, we will assess the request and get back to you with an outcome.
Date of experience: January 22,2023

You lose your rewards after 2 yrs. If you dnt pay them at 5am, ON the due date, regardless if you pay it ON THE DUE DATE, you get ALL of your rewards taken. They STILL dnt have a customer service number and all they say is "we ate looking into this". I have a payment due TODAY, AND GARANTE, they will NOT respond until AFTER they get THEIR MONEY! But I'm just supposed to "wait" for them to decide they want to do some "customer service". Im telling you be VERY CAREFUL dealing with afterpay. There's ALOT of "hidden" factors with them and they change their "requirements" ALL THE TIME, WITHOUT telling you and expect you to still follow them. Don't expect to keep your rewards after you get to the 2ND MINT TIER. If my payment were late, I wouldn't be where I'm at on the "rewards". USE KLARNA!

Terrible company I have always paid my orders I have had some late some paid early been a customer for all most 2 years again I state they always get paid they took me from 1600 limit to 50 whatever! But I went to buy something that was total 50.88 and they denied it I always pay so I give them a zero..

I placed a $30 order on amazon thru afterpay. Afterpay sent me an email that the order was for $695 and took out the first payment of $173. They overdrafted my bank account and every time another bill comes out, i get another fee. They are telling me they cant refund me until the single use card expires NEXT MONTH. I even did their job for them and contacted amazon. They sent me an email which i forwarded to afterpay that states the purchase was only $31 and was canceled. They still refuse to issue me a refund. Im calling a lawyer and ive filed a complaint thru the attorney general in my state. They should not be able to do this to people. Stay away from afterpay!

Bought shoes returned them, the shoe co. Imediately refunded the full amount to Afterpay after contacting afterpay since I didn't receive a reimbursement for my first payment, afterpay says they issued a "credit to my account" but it still hasn't been recieved into my account 12 days after they "credited" my account. This is a scam I'm sorry to say im so angry and frustrated by their delay tactics.

Afterpay isn't vetting their merchants. They are processing payments for websites that pop up and shut down in a matter of days. Example is sablehubs.com. I ordered a WInch through sablehubs.com and afterpay was the only payment method. The site is now gone, I never received shipping confirmation or the merchandise and it's been 16 days past the original delivery estimate date. Afterpay requires that I request a refund from the merchant but of course there is no merchant any more and Afterpay is perfectly fine with continuing to take payments from me. Not that it's any easier to contact afterpay than a website that has disappeared. There's no actual contact information anywhere on the afterpay website. You just have to file a dispute and wait for an email or phone call that thus far hasn't come. Plenty of automated messages but thus far no actual communication with a person. DO NOT USE AFTERPAY.

Horrible company. If you accidentally forget your password, they will make you go through four emails of verification questions. I had to forward ID information and they asked for backing information (banking papers) and I drew the line. Don't go through this vendor. My acct is still frozen and they never helped me further after three emails of verifying my information.

Need number amount for Amazon spending limits. No transparency with this business. Please display spending limits.

This afterpay is a scam. They will charge your credit card twice. One under the afterpay charge and the other under the merchant name... i don't know how the hell the secret service and the attorney general haven't caught these thieves. They are probably from another country. Contact your bank if you did any business with these clowns. Also the have a fake telephone with a message stating to contact them via email..

I have ordered items for Christmas on Amazon And this company afterpay decided to cancel it didn't let me know until 3 days later that they canceled my order from Amazon. Now I only have less than 4 days to get the items i need for my family. With anyone that is on tight budget it's pain for paiding for everything in the household items they are not gonna get as much because of this app afterpay. When u have started payment still didn't get a refund on the payment u did. Know I will do my best to get
Presents for Christmas. I will never go Thru this company again! One star is me being Generous on the review I would put 0 but there is not an option for that

I had a fraudulent website scam me they accepted afterpay so they seemed legit I mean doesn't Aftercheck out merchants before handing over peoples hard earned money! This scam site homerepellent has a fake Texas address wirh a UK number which has been reported as a spam scam number! Aterpay, not only are they impossible to talk to you wait days even weeks for responses which seem to be by a 2nd grader! They repeatedly ask the same questions, which I answer then they ask again, this tells me they are not even reading my email. I have been a customer since they started but recently found the original owners sold the business and now a bunch of incompetents are at the wheel! So sadly I will not use them ever again, I will add them to the bad business list along with crappy Paypal!

I had a spending limit of $600 because I made my payments in time. I attempted to make a purchase on Amazon with a single use cards. Dispute having the funds available to create it, Afterpay never deducted it from my account liken it's supposed to as soon as the card was made. Days later, Amazon prompted me to update my payment method. I attempted to create another card. Same issue. I ended up purchasing with Klarna instead because I had the available funds. When I returned to the app to teach out to customer service, I saw that my spending limit dropped from $600-$0.

I immediately contacted Afterpay. My only option was through a message that takes days to get a reply because they do not have a phone number. I waited 2 days just to receive an automated response. I explained that I had an issue with Amazon and that I make my payments on time. My next response was then telling me I had late payments and refunds. How did I have a late payment on something that I wasn't allowed to purchase? How was I refunded for a purchase that was never made? My actual issue was ignored. Do not use this company.

My experience with using after pay was good up until the point when the payment was due. When using this you have to make sure that your payment is available on the due date. Well my payment was ready on that date. I received a message that the payment was declined I had to manually go into the system and make the payment myself. They dropped my credit line and tried to charge me for late fees. I tried to contact the company to tell them about the air and their payment system but no one was available to talk not even a customer service line. That's something you have to be very careful of they will try to charge you for late fees and drop your credit limit. So if you're going to use their system make sure you manually go in and do it because they system reads error when it's time for a payment. This will save you a headache other than that use another payment system.

Can I give less then 1 star! Completely frustrating experience, from setting up the account, verifying email & banking info, thought all good to go. They boldly exclaim amount available to purchase, but then unable to actually purchase! What is most upsetting is trying to get someone to help figure out whats wrong, & if I've done something incorrectly. It has been over 24 hours since I emailed customer service & have only received a confirmation email. Submitted another email under complaint, this confirmation email happily exclaimed I would her from someone in 5 DAYS! Who has time for that. I thought I was being patient waiting 24 hours. I would not recommend, use Klarna instead. I was only using Afterpay because the company I was shopping with does not finance through them.

This product is a joke. Instore card purchase doesn't work half the time. Was late on one payment a few days while on a cruise and had account reduced from $500 to $100 but still charged a hefty late fee.
These grubs are in business to rip of struggling people I think. I had money to pay them and was not even contacted. Can't complain to support without needing to fill out a hardship form. What a disgrace. There are better products out there. Stay away from these crooks.

This company is your nightmare! They are basically is scam. They don't care about you. If you pay and never receive your product then I'm sorry your money is gone. This scam company will Not take responsibility of your money and your order. You should have zero expectations from them.
Sincerely advise!