Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/18/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Afterpay have tons of customers like me who enjoy shopping with them. Either Afterpay is lying or they just don't care. They continue to refuse to tell customers how many orders they can have with their "IN-APP" Merchants and i've repeatedly asked. They continue to not respond to customer's messages nor do they resolve issues and still don't have a phone number for customers to contact them. After sending one reply they'll simply close the complaint and you never hear from anyone again which is why i'm filing this complaint. I have a $3,000 credit limit with Afterpay yet they've started being very DECEPTIVE and not allowing customers to place orders and checking youur credit behind your back yet they claim to not check customer's crefit. I have no problem with a Company pulling my credit rather it's a soft credit check or a hard credit check as long as the Company let me know this. What Afterpay is doing to their customers now is very DECEPTIVE to say the least.A few days ago i went onto the Afterpay app to place an order with Amazon. I was shocked to see my order declined when there are more than enough funds there. I've repeatedly asked Afterpay when did they start checking customer's credit for orders? They've repeatedly gave me the run around and different stories. I've repeatedly asked them why are orders being declined? I was then sent an automatic scripted message stating that is how many orders that merchant let you have. Afterpay is lying about not checking customer's credit and i included the letter they recently sent me when they declined the order. I can be approved for an order for $272.00 or for $300.00 at other Merchants yet an order from Amazon for $185.00 get declined but Amazon continue to be DECEPTIVE and check customer's credit without their knowledge. Even though they claim it's a soft credit check i've NEVER received a letter for a soft credit check. You only get a letter ehen it's declined from a hard credit check.

  

  Business Response

  Date: 07/19/2023

  
  Thank you for getting in touch with us regarding ************************* attempts to use our services. Our customer experience team has reached out to ******* to assist with their concerns.
  
  Afterpay does not approve 100% of all order attempts. Our system takes several factors into consideration to determine order approvals. Ultimately, we are a budgeting service, committed to promoting responsible spending. 
  
  We do not have the ability to manually approve orders or override our system engine. However, our system makes a fresh assessment each time you attempt an order with us. 
  
  Afterpay may conduct a soft credit check for new customers when they first sign-up to use the platform. This soft credit check will not impact a customers credit score. Soft credit checks (also known as soft pulls or soft inquiries) are very common and will not affect credit scores, will not be visible to other lenders or creditors, and may or may not be recorded in credit reports, depending on the credit bureau.
   
  Afterpay takes a number of factors into account when making a decision to approve a new customer, a soft credit check is one of those factors. As a result of this check, we are not able to approve Latishas application for an Afterpay account. Separately, they will have received an email with more information about the reason for the decline. 
   
  For questions about their credit file, we ask that they please contact Experian directly. Additional information about Afterpays Soft Credit Checks can be found through this link - **************************************************************************;
   
  We appreciate Latishas understanding and hope the information provided helps address their concerns. We invite them to reply if they have any questions or concerns.  
  
  Our customer experience team has reached out to provide ******* with to assist them with any additional questions he may have.
  
  Sincerely,
  Afterpay Team
  

• Initial Complaint

  Date:07/18/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I made a purchase in December from ******** and I was a victim of fraud. The company Trensdset was also a victim of fraud. My account is showing that I still owe money for this fraudulant purchase and Afterpay has ceased my account due to this 'past due' owing. I have tried to contact AfterPay multiple times to remove this transaction to my account and to remove any negative reporting to credit bureaus. No action has been taken on behalf of AfterPay to correct my account standing. Please resolve.

  

  Business Response

  Date: 07/19/2023

  Thank you for contacting us regarding *************** recent experience with Afterpay concerning fraudulent purchases made on their Afterpay account. Our investigations team has been in contact with **** to help address their concerns. 

  We empathize with Teris situation and acknowledge that fraudulent activity of any sort is alarming and violating. Fraudulent activity is an unfortunate widespread issue that impacts all Institutions. Our risk and security teams continue to enhance and add additional parameters within our system to mitigate suspicious or fraudulent activity.

  Please know that we take these matters very seriously and work hard to secure our customer's personal information as much as we reasonably can. Additionally, the card information is automatically encrypted when entered into our system. This means that we cannot view, nor do we have access to full credit card details. For more information, please refer to our Privacy Policy. ***************************************************.

  Our investigations team has reviewed the details of their account and the reported activity and confirmed that a refund was needed for the fraudulent transactions. Refunds have been processed for both orders on 7/19/2023. We ask that **** allows **** business days for the funds to appear with their financial institution. 

  Sincerely,
  Afterpay Team
  

  
  

  Customer Answer

  Date: 07/20/2023

   
  Complaint: 20337961
  
  I am rejecting this response because: My complaint is NOT about refunds being reimbursed to me. My complaint is about the money AfterPay is saying I owe on my account. My account shows that I owe money on the account (due from this fraudulent purchase). My request is that this be removed as I do not owe AfterPay any money since it was part of the fraud claim that has since been resolved. I would like my account to reflect such changes.
  
  Sincerely,
  
  *******************

  

  Business Response

  Date: 07/24/2023

  Thank you for getting in touch with us regarding *************** refund with Trendset LLC. Our customer experience team has reached out to **** to assist with her concerns.

  Afterpay is a budgeting service that is used to divide approved orders into four installments. According to the Afterpay Installment Agreement, we will pay merchants for the cost of approved orders upfront, and in turn, our customers pay us back over four installments. Our partnered retailers take full ownership over return and refund policies if one is needed.

  Normally, when refunds are processed, merchants send the refund directly to the Afterpay order, which would prompt Afterpay to reduce the remaining balance you owe or prompt Afterpay to refund the installments you've paid. However, in this case, a manual refund was issued directly to Teris personal account. 

  In most cases, Afterpay requires our customers to pay off the entire order, before a manual refund is issued, however, due to the circumstances **** was refunded in full before her order was paid in full. **** has only paid Afterpay $112.50 and was refunded $337.50. As a result, the Afterpay order continues to process the scheduled payments as outlined in the installment agreement. The additional funds they received should then be used to pay the remainder of her order with Afterpay.

  We invite **** to reach out to Afterpay if she has any questions or concerns.

  Sincerely, 
  The Afterpay Team
  

  
  

• Initial Complaint

  Date:07/17/2023

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The apparently think it is right to have nonfunctioning gift cards and when u dispute them. Think its okay to make excuses on not giving a refund on a ******* giftcard or **** gift card!

  

  Business Response

  Date: 07/18/2023

  Thank you for contacting us regarding ************************** gift card orders. Our Customer Experience team has been in contact with ****** to provide them with the proper support. 

  Afterpay is a budgeting service that is used to divide approved orders into four installments. The agreement between Afterpay and our customer (according to our Installment Agreement) is that we will pay for the cost of your approved order, and in turn, the customer pays us back over four installments. The only way for a refund to be issued back to the Afterpay account is if the merchant initiates it on their end. 

  In Thomass case, his ******* gift card has been redeemed and used and we refer him to the merchant **** directly for assistance with ****'s second gift card as they recommend that customers reach out to them directly for any issues related to redemption. 

  Please note, Gift cards from Afterpay are non-refundable. Afterpay will not be able to assist with any request to cancel the card and will require assistance from the Prezzee team to further assist with their order concern. 

  We regret the inconvenience and hope that ****** can resolve their complaint with a successful outcome.  

  Sincerely,
  The Afterpay Team

  
  

  Customer Answer

  Date: 07/18/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *************************************

• Initial Complaint

  Date:07/16/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I used Afterpay to make a purchase with ************** I returned the item the next day back to the merchant and the merchant sent me a confirmation email with the refund proccessing back to Afterpay. I reached out to afterpay and they said they do not see the refund, so they ask me to send proof of refund from the merchant so I did. Now they ask me to submit a dispute, I understand they have a certain why of running thier business yet I did my part provided them with proof and the merchant also did their part. I'd like for Afterpay to stop giving me the run around and process the refund of the first payment of $145.49.

  

  Business Response

  Date: 07/18/2023

  Thank you for contacting us regarding ******************* order discrepancy with the merchant **************. Our customer experience team has been in contact with ****** to address her concerns.

  Afterpay is a budgeting service that is used to divide approved orders into four installments. According to the Afterpay Installment Agreement, we will pay merchants for the cost of approved orders upfront, and in turn, our customers pay us back over four installments.

  Per the agreement, merchants are responsible for the delivery of goods and issuing any refunds owed back to the designated Afterpay account. Our partnered retailers take full ownership over their shipment, return, refund policies, and the times associated with them. 

  Afterpay does not have visibility into our merchants inventories, shipping, and return activities. Our team is also unable to make changes to existing orders or assist with returns.

  However, we do expect our partnered merchants to respond within a reasonable amount of time. Due to the delay, we have reached out to Old Town Dydro on the customers behalf to request her order be canceled and refunded. We will keep in contact with her until we have reached a resolution. 

  We will reach out to ****** once we have an update regarding her order. 

  Sincerely, 
  The Afterpay Team
  

  
  

  Customer Answer

  Date: 07/18/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***********************

  Customer Answer

  Date: 07/26/2023

   Afterpay has yet to provide me with a refund and they continue to extend the dates.

   

  From: *************************** <**************************>
  Sent: Wednesday, July 26, 2023 11:28 AM
  To: Pat S <************************************>
  Subject: Re: BBB Complaint ID: ********

   

  The refund already came from the Merchant I explained this and included a screen shoot when I submitted this in the first place 

   

  

  Business Response

  Date: 07/26/2023

  We appreciate ******* response and regret any inconvenience this may have caused her. 

  Per our agreement, merchants are responsible for the delivery of goods and issuing any refunds owed back to the designated Afterpay account. Our partnered retailers take full ownership over their shipment, return, refund policies, and the times associated with them. 

  In Jasmins case, the merchant has confirmed a refund was issued, but no funds were ever received. Per our installment agreement, the customer is responsible for all installments on the account until a refund has been received and applied to her existing installments. We have reached out to the merchant on behalf of ******* to request that a refund be issued to their Afterpay account. 

  In the meantime, we also encourage the customer to reach out to the merchant they purchased with for further assistance. We will keep in touch with ****** until we have an update regarding her order. 

  Sincerely, 
  The Afterpay Team
  

  
  

• Initial Complaint

  Date:07/16/2023

  Type:Delivery Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Items that I ordered from Amazon via Afterpay should have been on ONE account as ONE amount was debited from an entire order (which initially included ******** Toilet tissue, body wash, Vitamin liquid, and a crochet hair bundles). I cancelled the dish soap and the body wash because of this stpid debacle which was NO FAULT OF MY OWN. I have never had a problem paying this company until now and yet they are giving me a hard time with processing INITIAL payments ALREADY taken from my bank account. I have filed a complaint against both Afterpay AND Amazon because this should NOT have been split into two orders...

  

  Business Response

  Date: 07/19/2023

  Thank you for contacting us regarding ******************** concerns regarding their Afterpay Account. 

  At this time we can confirm that a complaint resolution specialist reached out to ****** on 7/17/2023 to assist with their request. We ask that they reply so our team can further assist with their concern. 

  Additionally, our team is readily available around the clock to address customer inquiries digitally. We also provide support through our *********** located on our website at afterpay.com. 

  We will continue to work with ****** until their issue is resolved. 

  Sincerely
  The Afterpay Team
  

  
  

• Initial Complaint

  Date:07/15/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I PLACED AN ***** WITH ZELTI # ************ (#****) ON FEB. 19, 2023 AT 3:**** AND I CANCELLED THE ***** ON FEB. 19, 2023 AT 4:39PM. I WAS SENT A CONFIRMATION EMAIL CONFIRMING THE CANCELLATION HAD BEEN DONE. AFTERPAY CONTINUED TO DEDUCT PAYMENTS FROM MY CARD ENDING IN **** UNTIL THE FULL ****** WAS DEDUCTED. I HAVE SENT EMAIL AFTER EMAIL AFTER EMAIL. I HAVE DISPUTED WITH MY CARD COMPANY AND THEY SAID I HAVE TO FILE A DISPUTE THROUGH YOUR COMPANY. I HAVE NO MERCHANDISE AND MY CREDIT CARD HAS A BALANCE OF ******.PLEASE HELP ME AND REFUND THE ****** ON MY CARD ENDING ****!THE INFORMATION I GOT OFF OF AFTERPAY ON MY ACCOUNT WAS PAYMENT WENT TO: Merchant Info jewelry ***************************** ****************************************** *********** US I HAVE ALSO SENT EMAILS TO THE ABOVE WITH NO RESPONSE.

  

  Business Response

  Date: 07/18/2023

  Thank you for getting in touch with us regarding *************************** refund concern with their Zelti purchase. Our customer experience team has reached out to ******** to address their concerns.

  Afterpay is a budgeting service that is used to divide approved orders into four installments. According to the Afterpay Installment Agreement, we will pay merchants for the cost of approved orders upfront, and in turn, you pay us back over four installments. Merchants are responsible for issuing any refunds owed back to the designated Afterpay account (in accordance with their policies). They have full ownership over their shipment, return, and refund policies, and the timeframes associated with them.

   Once the refund is processed by the merchant and communicated by the merchant to Afterpay- it automatically drops through to us and the Afterpay payment plan is adjusted to reflect the new total order value starting with the last payment and working backward. 

   In reviewing Christies account, we can confirm that we have reached out to them to request further details so that a refund can be issued. We ask that they reply so our team can further assist with their concern. 

   We appreciate their patience while waiting for the merchant to process the refund.

   Sincerely, 

  The Afterpay Team
  

  
  

  Customer Answer

  Date: 07/18/2023

   
  Complaint: 20326517
  
  I am rejecting this response because: I received and sent to AFTERPAY the email sent from Zelti that showed CANCELED and REFUNDED. Zelti is no where to be found I did trace the company through the Afterpay transactions to Jewelry ***************************** and ****************************. Afterpay has to have some agreement with the merchant and should refund ****** that was taken from me. I have no merchandise and out ******. Please help me get my money back.
  
  Sincerely,
  
  *************************

  

  Business Response

  Date: 07/20/2023

  Thank you for getting in touch with us regarding *************************** refund concern with their Zelti purchase. 

  Our customer experience team has reached out to ******** to gather the information needed to refund her. We can confirm that the refund has been scheduled to be released on 7/25/2023. Once released the funds will clear into the account in 5-7 business days (standard bank processing time).  

  We appreciate their patience while waiting for the merchant to process the refund.

  Sincerely, 
  The Afterpay Team

  
  

• Initial Complaint

  Date:07/14/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Purchase date: 05/28/23 Order # ************ I used Afterpay to purchase a pair of sunglasses, after deciding not to keep the sunglasses and after making two payments to afterpay I returned the sunglasses back to the retailer/merchant. The merchant received the return and issued a refund back to afterpay for the full purchase price. After reviewing my account I realized that Afterpay issued the refund of $78.86 back to the card/account I had originally paid with but this account is closed and no longer active (account was closed in june). I was told that the refund was issued on 07/03/23 receipt# ********** and that I would need to contact my bank as they should be holding funds in a unallocated funds account or general ledger. I contacted my bank ************* and was told that when a account is closed no credits or debits are allowed or held, but returned. In this case my bank states the refund was returned to afterpay on 07/10/23. I contacted afterpay to make them aware and I was told by ****** of the afterpay team "afterpay is responsible for paying for your order upfront and we are unable to help with queries about refunds." This is unacceptable, Afterpay cannot keep refunds from the merchant AND monies paid by the customer!!

  

  Business Response

  Date: 07/20/2023

  Thank you for getting in touch regarding ************ refund discrepancy. We have been in contact with **** to address their concerns.

  Once Afterpay refunds are received, they are automatically applied to each installment, starting with the final installment, and working backward. Funds that are owed to our customers are automatically refunded to the card(s) on file, associated with each installment. On 7/03/2023, our records indicate that a refund for $78.86 was processed back to her payment method. 

  In viewing Afterpays bank transaction history in relation to Aanas payment method, we are fully confident that the refunds were processed. As **** has advised that the card/account is no longer active, the responsibility lies with her to get in touch with her formal financial institution to ask them to assign the funds to her. In this situation, the funds may be sitting in an unallocated funds account. Sometimes called a 'general ledger' or a check may be issued to her by the bank.

  We appreciate Aanas patience while waiting for the refund to process. If she has any further questions we invite her to respond to our team. 

  Sincerely, 
  Afterpay Team
  

  
  

• Initial Complaint

  Date:07/14/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Completed a transaction via Afterpay for a purchase through ******** Was unhappy with first thing I received so I returned it. ******* refunded. Second item did not work so the refunded that. Both were refunded via Afterpay card which was the card used for purchase. I made 3 installments through Afterpay and they adjusted the first refund and the second they did not. Paid *****. And was refunded ***** via ******* on 7/12/23. Afterpay will not refund the money I have made in installments Original Purchase June 13, 2023

  

  Business Response

  Date: 07/17/2023

  Thank you for contacting us regarding ********************************* concern with their ******* purchase. Our customer experience team would like to provide them with the necessary support but it seems we were unable to locate an account matching the information they provided under Customer Information. 

  We can only check if somebody holds an account with us or discuss an account with an individual directly or with the individuals authorization. We ask that the individual get in touch with us directly with this request via *****************************.

  We encourage them to reply so we can help address their concerns. 

  Sincerely,
  Afterpay Team

  
  

• Initial Complaint

  Date:07/14/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased items from Dillards and chose payment option Afterpay. The merchandise I received was damaged. I returned shoes. Afterpay has not given full refund. I cannot speak to them directly because they "closed phone service" when you call. Chatting is on their timeline and promises to call don't illicit a call. They keep saying they have "in fact" and "I assure you" they've refunded my money but the credit has not shown ** in my account.Dillards; partial payment received but they refuse by lying about balance owed. ($56.58 refunded 7/11) $28.54 still owed. 2nd purchase using Afterpay was from Zappos. I had to return item. Afterpay again sends me statement informing of refund given but no money is credited into my acct. Full refund not given $72.87. They are basically dishonest and fraudulent. I demand my money returned.

  

  Business Response

  Date: 07/17/2023

  Thank you for getting in touch with us regarding ****************** refund concern with their Dillards purchase. Our customer experience team has reached out to ***** to address their concerns.

  Afterpay is a budgeting service that is used to divide approved orders into four installments. According to the Afterpay Installment Agreement, we will pay merchants for the cost of approved orders upfront, and in turn, you pay us back over four installments. Merchants are responsible for issuing any refunds owed back to the designated Afterpay account (in accordance with their policies). They have full ownership over their shipment, return, and refund policies, and the timeframes associated with them.

  Once the refund is processed by the merchant and communicated by the merchant to Afterpay- it automatically drops through to us and the Afterpay payment plan is adjusted to reflect the new total order value starting with the last payment and working backward. 

  In reviewing Lucias account, we can confirm that the refund has been issued. On 7/11/2023 and 7/10/2023, a refund for $85.74 was issued to the card on file. The funds will clear into the account in 5-7 business days (standard bank processing time).  

  We appreciate their patience while waiting for the merchant to process the refund.

  Sincerely, 
  The Afterpay Team
  

  
  

• Initial Complaint

  Date:07/14/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I pay a monthly fee for the use of the Afterpay Plus card, for the past few weeks the card has declined 95% of my orders, when I reach out to Afterpay for a solution to this problem, they respond with a automated response every time and my request to fix the issue with the app goes unanswered, Afterpay charges me a monthly fee to use the app, but, they are offering me no solutions and they continue to take my monthly fee and not allow me to use the service

  

  Business Response

  Date: 07/18/2023

  Thank you for contacting us regarding ******************* recent purchase attempts with their Afterpay Plus Card. Our customer experience team has reached out to **** to help provide them with the proper support.
  
  The Afterpay Plus Card is a digital card that lives in your digital wallet and lets you pay in 4 installments in-store where Apple Pay or ****** Pay are accepted. The Afterpay Plus Card can only be used for US purchases made with Apple Pay or ****** Pay. Certain merchant, product, goods, and service restrictions apply.
  
  Your available to spend amount is based on a variety of factors including your payment history and spending pattern with Afterpay. This applies to all Afterpay users to help give you confidence every time you shop. View your available spend amount on the In-Store tab. Its important to note that there may be additional limitations based on the merchant where you are shopping. Afterpay does not have the ability to manually approve orders or override our system engine. 
  
  Our customer experience team has been in contact with **** to further assist with their Afterpay Plus Card concerns. As of today, we can confirm **** has successfully placed new purchases with their Afterpay Plus Card. We invite **** to reply to our team if they have any questions or concerns.
  
  Sincerely,
  The Afterpay Team