Consumer complaint received 2022-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Afterpay US Services, LLC
State: TX

Complaint narrative:
I requested 3 yrs bank statement showing all Afterpay credits and debits as I am owed refunds from XXXXAfterpay refuse to acknowledge and refuse to call me and address ALL issues. Due to the lengthy times frames I will address XXXX and XX/XX/XXXX, most recent transactions for now. While Afterpay sends wording docs REFUNDED means nothing. They have not refunded my account but a few times this year, NO refunds in XXXX, XXXX XXXX refund XX/XX/XXXX {$29.00}, although they mention XXXX 's of refunds, there has been NO refunds to me as you can see and view my XXXX XXXX bank statement with the one and only XXXX XXXX as I have circled nothing but debits-NO REFUNDS, as Afterpay continues to lies their way theiry refunds as the refunds were not made to me! Bank statements says it all. They place blame on the merchant as I have also provide letters from XXXX, XXXX AND XXXX how the merchants PAID Afterpay and I returned items and Afterpay never refunded me back. Its a scam and I plan to sue. 

To that group, Afterpay purports to offer a solution to cash-strapped consumers.

Afterpay prominently markets itself as a service that allows users to pay for purchases at a later date, with no interest, no fees and no hassle. These representations are false. In fact, there are huge, undisclosed fees and interest associated with using the service. 
Afterpays services thus cause unsuspecting consumers like myself to incur significant overdraft and NSF fees on their linked bank accounts. I sent message re not able to make 2nd pmt Afterpay order # XXXX, Requested to delay online and received a reject error can not miss payment on XXXX and received a reply 3 days later they are investigating issue and will close 3 inquirings as they were all different issues! never heard back. Debit of XXXX went through my bank and caused my act overdraft on XXXX XX/XX/XXXX. Afterpays Fraud terms and agreemnts. Per TX Deceptive Trade Practices/CPA to protect consumers against false, misleading, and deceptive business and insurance practices, unconscionable actions, and breaches of warranty. It does so by prohibiting certain acts and practices that tend to deceive and mislead consumers.Afterpay makes way too many rules and dont abide by it. 

They take action and do anything they want and continuously ignore, refuse to acknowledge real issues, they have removed phone lines and now you can only send emails and have to wait DAYS until they respond, its too late and funds have gone thru my act and OD my act. Without having phone lines available to resolve issues they chose to ignore the issue and address anything but the issue.I have informed After many time as next week I will be driving to XXXX XXXX small claims court to sue afterpay for the max amt {$20000.00} for at least 3 counts. This complaint will be submitted to Small Claims. 
I asked Afterpay to explain to me all XXXX AND XXXX DEBITS as they refused to do so. I cant stop Afterpay from illegally debiting withdrawals from my account! They refuse to provide the order # and amount they have withdrawn from my account and they stole funds. Refuse to address issues, incompetent and unprofessional. No phone lines, no guidelines as to how they hold refunds for months and not refund my money back. The hold funds for years and hope that you forget about it is their process and how they do things. Refunds were not credited to my account and I want my money back immediately. 

XXXX XXXX and XXXX refunded this company and they sit on it transactions and sitting on my refunds. 
I requested for their legal name, address, attorney name or person handling my act and tax id to move forward to my suit as they also refused to provide the info. When they reply to you..they need to provide this info to me.

Company response to consumer: Closed with explanation