atome SG - Buy now Pay later 4+

Bad Service. Feels like a scam.

STRONGLY NOT RECOMMENDED . DO NOT USE THIS APP’S SERVICES. IT FEELS LIKE A FINANCIAL SCAM. The service may charge you $15 for admin fee during the final payment. For the reason that their system’s attempt to charge you during the final payment is being declined and you missed the deadline by 1 day. Someone will call you to inform you about this failed transaction and they will make sure to ask if you will make the payment after the call. This makes it feel like a scam. This should be an automated payment service hassle free. I used apple pay to complete payments for my purchase. So there should be no issue and no reason for the attempt to be declined. The first and second payments went through without issues. However for the final payment I don’t know what happened but their system suddenly cannot process the final payment and if you missed the deadline by 1 day. Then SURPRISE SURPRISE charge of $15 for admin fee added to the payment that is due. It’s not my fault. It’s their system’s fault and they are charging me for their systems inefficiency.

GREEDY COMPANY

Hi Atome and to future Atome users,
Please do not use this app by any means! I have been using this app for i guess a year now. I have not missed any payment at all. I have bought for a good number of items. And my last purchase, i missed my last payment. And voila, they charge me of admin fee for 15$ just like that. So that was fine. I am willing to shoulder that as I missed my payment. Fair enough. But wait, there is more. I got a WhatsApp msg from a Philippine number, asking me when I should pay the final payment and let me know by today and so on! And few unknown numbers were calling me. After I made the payment, i ss and send to this WhatsApp number and guess what no reply after that. Wow! Just wow atome. And yes, can I tell you how much was my final bill? It was freaking 25$ and I felt like I was running away from a million dollar debt from them. Oh my god ATOME. Please, have a sense of consideration. I hope you get bankrupt soon! Enjoy!

Developer Response ,

Hi, we apologize for this. Please send us your concern at support@atome.sg along with the screenshot of the error you receive. This will be handled with utmost priority.-Hiran

Very bad Customer Service

There was always more than sufficient funds linked to my bank account & out of all months, they chooses the Final payment to have “failure in deduction” & charges $15 for it. My account was being blocked until i forcefully made the so called “due” payment plus the administrative fee of $15 before they could reactivate my account.
I tried to contact their customer service, but they are not interested in assisting me with my concern & all their concern is “Can you pay by today?” The even whatsapp call me for the payment to be done as immediate.
So to my point of view, they are just no less than the scammers out there. At your very Final payment, they would do such hiccups & don’t bother to even attend to your concern. All they care is money & that is their way to earn the profit from you, when in the very first place they show zero effort in trying to resolve your issue! STRONGLY NOT RECOMMENDED

Developer Response ,

Dear user, we would like to apologize for the frustration you have experienced with the repayment team. We want you to know that we appreciate your feedback. It will allow us to resolve any problems and help us improve our services. Therefore, we have forwarded it to the repayment team manager to look into it accordingly and coach the collection team. Nevertheless, we are always happy to waive or refund the admin fees. Feel free to email us at support@atome.sg for further assistance and also for us to investigate further on this matter. Thank you and stay safe.