Atome PH - Buy Now Pay Later

They keep calling and texting from multiple phone numbers whenever a payment becomes due. I understand that my payment is overdue, and I have no intention of avoiding my responsibility. I have always paid my bills on time, and this is the first time I have been late due to unforeseen circumstances. I already spoke with one of your representatives and informed them that I would settle my outstanding balance as soon as possible. Despite this, I continue to receive repeated calls and text messages from different numbers throughout the day. It feels excessive and unnecessary, especially since I have already communicated my intention to pay. The constant calls and messages have become very distracting, particularly during class hours. Being contacted repeatedly from multiple numbers makes me feel as though I am being treated like a criminal for being late on a payment once, despite my history of paying on time and my willingness to resolve the matter immediately. I respectfully ask that your team coordinate internally and limit the number of calls and messages being sent. I will settle my balance promptly, and I would appreciate being treated with the same respect and consideration that I have shown as a paying customer.

First of all, I want to say that I am an early bird when it comes to payment becuase I am afraid of trouble. So, here’s the thing. I downloaded the app and got a very low credit limit (₱ 5,000). I was able to raised it to around ₱ 10,000, I guess? If not, maybe a little bit lower. Then, just this month, I paid my amortization fee for the month of June. My bank stated that it went through but haven’t received any confirmation from the app, since this happened multiple times already, I guess it was just a matter of time. Then, days go by and due date comes. The billing amount still hasn’t been paid! I tried to checked on it with my bank and they said it went through. I reached out to your email but got no response. I am hesitant to pay the amount once again becuase it might caused unnecessary problems should the first payment reflected already on your system. I passed it off thinking that it might be a problem on your end. Then, just the day after my due date, I saw that the billing statement got penalty. With no other choice, I applied a payment to avoid risks of getting more penalties. After paying, the same day I received a confirmation that it has been paid off. So, where did my first payment go? Here’s the answer, upon waking up next day, I saw that I got a notification late at night saying that my payment has been credited. Look! My first payment went through but took so much time compared to the first one? Like what the hell? It is of the same bank! What more, they got my credit limit decreased. So, I decided that I won’t be using this card anymore on things that I would like to be paid in installment unless absolutely necessary.

Nakakainis tong atome akala ko pa naman maganda so ganito nangyari sakin january 6 due date ko sa credit na nagamit ko. Balak ko alagaan tong atome kaya january 3 palang nagbabayad na ko kaso lahat ng online payment nila nag eerror as in lahat paymaya gcash instapay basta lahat. Nag email ako sa knila kako di ako makabayad puro error ung payment option nyo tapos sumagot cla na mag manual payment nalang daw ako nagbigay cla ng account number ng bank ng atome via aub din tapos ako chineck ko muna sa app nila kung totoo ung account number to make it sure nag double check ko since tama naman na aun nga account number nila sa aub nagbayad ako bale january 4 na ko nagbayad kc nga ung email kinabukasan q na nabasa. To think na january 6 pa due ko at nag advance ako. Kaloka ung app di pa din nagrereflect ung bayad ko at take note may tumawag pa sakin na bayaran ko na daw ung credit na nagamit ko kako bayad na advance pa nga di ko kako kasalanan kung makupad kayong magcheck. At ngaun may txt na naman reminder. Grabe nastress pko kahit advance payment na ko immanual check daw kc un kaya matagal hiningi din kahapon resibo ko which is january 4 palang cnend ko na sa knila at ang sabi checheck daw vavalidate na daw yet hanggang ngaun di pa nila inaayos!!!!!!!!!!! Ganun ba kahirap icheck samantalang advance payment naman cguro naman may computer kayo to check ung pumasok na pera sa account nyo sa reference nyo lang naman un titignan!!!!!!!!!! Shutang ina!!!!!!