Migliaccio & Rathod LLP is investigating whether Zip, formerly known as Quadpay, misleads consumers regarding payment schedules, late fees, overdraft risks, or refund handling for Buy Now, Pay Later purchases.
What Consumers Report
Consumers report:
- Using Zip to split purchases into four payments.
- Being charged late fees after payment issues.
- Incurring bank fees from automatic withdrawals.
- Payments continuing after returns or canceled orders.
- Difficulty obtaining refunds or resolving merchant disputes.
Why Consumers Should Be Concerned
BNPL services may appear simple and low-risk, but automatic payments, late fees, and refund delays can create unexpected financial harm.
Potential claims may include:
- Deceptive payment practices
- Unfair late fees
- Refund handling issues
- Consumer protection violations
Signs You May Be Affected
- You used Zip or Quadpay.
- You were charged late fees.
- Automatic payments caused bank fees.
- Payments continued after a return or canceled purchase.
- You had difficulty resolving a refund.
If you have encountered these issues, we would like to hear from you. Please complete the contact form on this page, send us an email at [email protected], or give us a call at (202) 470-3520.