Zibby / Cognicalunauthorized credit and bank card processing & bad billing

This review was posted by
a verified customer
Verified customer
Review updated:

On October 27, 2018 I signed lease with Zibby.com for a new laptop with accessories I wanted from Lenovo. Per Zibby's requirements I made the initial deposit of $45.00 using my personal credit card. The lease agreement from that point forward required me to make a payment every two weeks.
On Saturday, November 15th I received both a text and email from Zibby stating that they tried to charge the credit card on file and the payment didn't go through. I never gave Zibby permission to do that but regardless I went out to the website and made a payment of $113. 56 that same day using my bank debit card.
On Monday, November 17th I received a text again saying a payment needed to be made without thinking I made another payment using my bank debit card. Then later that day I got another text and at that point I checked my bank account an found out I had paid them twice. I called Zibby who apologies and said the second payment would be applied towards my next payment due Nov 30th.
On November 29th I received a text stating Zibby had tried to charge my debit card for the payment and it didn't go through so to please call. I didn't give Zibby permission to charge my bank debit card and they had already been overpaid. So after talking to a customer service representative I was told it was Zibby's practice to charge the card on file which is setup as a default and ONLY if you call will they not do so so she turned off the automatic ACH.
That same day Zibby charged me another $113.56 so that now 3 payments made in less than a 32 day period. It didn't matter who I talked to they would not rectify the problem of the over payments. I am now forced to take the following actions:
1. Pay off the laptop sooner to meet the lease and not do any business again with them .
2. Pay via certified mail and keep record of my payments to keep these crooks from using my card toward future payments without my permission.
3. Report them to the both the FTC's Bureau of Consumer Protection and Better Business Bureau.
I don't know what's pissing me off more there disturbing ACH transaction practices or their lack in caring about making right on payments made. Buyer Beware.


  • Dy
    Dyld91 Sep 09, 2019

    It took me threatening to get a lawyer and complaining to the BBB for them to FINALLY cancel my Lenovo lease and refund me. It’s been a 3 week nightmare. Can’t imagine what you’ve been through. This is 30+ emails and calls later. At one point they just replying to me on purpose. That’s when I threatened getting a lawyer. They’ve been in contact since. I don’t know how these sickos can operate this scamming [censored] company with a conscience. I also have no idea how the BBB has given them and A+ rating on their website. If you google Zibby you can see they’ve scanned everyone.

    0 Votes
  • Dy
    Dyld91 Sep 09, 2019

    @Dyld91 They just stopped replying**

    0 Votes
  • Em
    EmilyJ88 Dec 11, 2018

    The same thing happened to me. I have automatic payments setup for every other week. The payment processed and then the next day they still processed a second payment. I called and they advised me I would get a refund in 7 to 10 business days. I didn't feel like I had a choice. The next day I received text and emails telling me my account was still late. They took another payment. I called furious and they advised there was nothing they could do to help me. They would have to wait while it was under review before they could process any refunds. This was at the end of November. Here we are Mid December and I still have not received any emails or phone calls to say my refunds are processed. What can be done about this. So tired of calling to get the run around. I have contemplated trying to contact a Lawyer to see what can be done. I hope this is not happening to more people. Very bad business practice.

    0 Votes

Post your comment

    By clicking Submit you are agreeing to the Complaints Board’s Terms and Conditions


    Unhappy consumers gather online at Complaintsboard.com and have already logged thousands of complaints.
    If you see dozens of complaints about a certain company on ComplaintsBoard, walk away.
    One of the largest consumer sites online. Posting here your concerns means good exposure for your issues.
    A consumer site aimed at exposing unethical companies and business practices.
    ComplaintsBoard is a good source for product and company gripes from especially dissatisfied people.
    You'll definitely get some directions on how customer service can best solve your problem.
    Do a little research on the seller. Visit consumer complaint websites like ComplaintsBoard.