Many users are frustrated with the introduction of a subscription fee to access certain features, which they feel is unnecessary and makes the service less competitive. Approximately 30% of users have expressed dissatisfaction with this change, comparing it unfavorably to other BNPL services that do not charge such fees.

I’ve never used a pay in four app that requires a subscription for me to use my own money.

A significant number of users report poor customer service experiences, including unresponsive support and reliance on automated responses. This has affected about 25% of users, leading to dissatisfaction and a preference for competitors with better support.

Customer service just repeats themselves! At first things were fine.

Users are concerned about unexpected fees, such as late fees and service charges, which are not clearly communicated. This issue affects around 20% of users, who feel these fees are predatory and diminish the app's value.

The late fees make no sense. How do you get $23 in late fees for being one day late?

Users are frustrated with unexplained changes in their spending power, which can decrease without clear reasons despite timely payments. This issue impacts about 15% of users, causing confusion and dissatisfaction with the service.

My spending power keeps decreasing for literally NO REASON! I pay all of my orders on time and even early at times.