Four | Buy Now, Pay Later

I have used a few other pay in 4 apps each with a positive outcome, but this Four app/company is awful. Their customer service is horrible and the time it takes to get any kind of response is unacceptable. I had ordered a large amount of items from a retailer, but only received four of the items in that order. The majority of the order was delivered to the wrong address. Four did absolutely nothing to help with this issue. Their customer service response was to contact the retailer, which I had, of course already done. The retailer had issued the credit for the items I did not receive within two days of my reporting the issue. Although I contacted Four several times they continued to debit my payment method for the final three payments, that were not owed because I did not receive the items. After many calls and messages, it still took nearly three months before Four processed the refund from the retailer. They charged a $7 late fee for those final three payments that were not in any way late, as I did not have the merchandise. They deducted those fees from my refund. Absolutely nothing I could do to speed the process up or actually receive the correct refund amount. Three months for the company to return my money and short me on top of that. I’d label this company as sketchy at best. Just don’t bother. Klarna, Afterpay and ZIP are so much more reliable and customer satisfaction oriented.

Been using Four for 2.5 years now and it’s always been great and easy to use especially around the holidays. Spending limit $1200 and have made purchases of up to $600 in one transaction without any problem. Have never missed a payment and 2 months ago back in October I tried to make a $50 purchase using Four. I was declined with their normal “we can’t accept all orders” yada yada.. It was whatever and tried a week later on another site for $75.. Same Notice if they can’t accept my order. I reached out to customer service to see if there was an issue with my account and they gave the same scripted response of how I’m approved and disapproved for orders and to try again in a week.. The Christmas season was coming up so at the start of December I tried to start my shopping early and again no matter what website I clicked on or dollar amount I tried it gave me the same I can’t be approved for the order. I’ve tried $300 like I used to be able to do without issue down to the minimum of $35 on orders and no luck.. I reached out to customer service again to try and see what is really going on but it was the same scripted response again and to try again in a week(no help). App is fully updated, banking and card accounts have never changed, so not sure what is going on with the company. Don’t waste your time on this one and stick to one of the more notable ones that will actually work when you need them.

Four is fairly easy to use and is accepted by many of the stores the others with similar services provide which is the great part. Where things begin to turn is in the customer service department or lack there of. The lack of timely responsiveness regarding issues with app and the holds placed on funds in your account and then issues when you go to checkout from a store are ridiculous. They leave you without your order and now your 1st payment is on hold until it “falls off” and banks can’t do anything to get your funds back to you because it’s a “pending” transaction. This has happened to a few people I know and I’m currently without merchandise or my money. It took multiple attempts to reach someone only to be told by email they would forward my request to another department. Unfortunately for me I’ve had enough and once I can get my funds released I’ll be discontinuing use.