Beloved B.

Kabbage has deceptive sales practices. Yes, early pre payment penalty and hidden fees are charged. The sales representative did not explain contract details properly. Kabbage assigns you an Investment Associate, which is really just a sales person. I thought they understoond cash flow issues and explain the inner workings of a Kabbage loan. Mine explained to me that I could absolutely pay my loan off in full with no prepay penalty as long as I paid it off by the first payment due date. This way all you would be assessed is that first High Interest cost of borrowing. The way the business model is set up the highest interest payments are due starting 30 days after you take money and the second 30 days thereafter. Subsequent payments may be assessed at 1-2%, so bottom line is they get their money back in 31 days. The first fee when you take money and then they hit you with the second high interest payment a month after that. You would not think you have to ask what the definition of a month is, but you do. I am not sure if a month is 28 days to them or 30, but they like to skirt the details and you pay the price. What is important information that should be told to you by your "INVESTMENT ASSOCIATE" which is really only a sales person, he is not consultative in any form, is purposefully omitted. I was told that my first payment would be shown on my payment schedule and the first payment would be due in 45 days as opposed to 30 due to the fact I borrowed after the 15th. Great, I could pay it off in that period of time. I took the deal understanding those facts. What my INVESTMENT ASSOCIATE did not advise me of was the fact the Kabbage's contract determine your ANNIVERSARY date vs you PAYMENT DATE differently. Fees are assessed against your Anniversary date. So what he told me was false and misleading. Of course, when I call back they position the whole matter as if, yes it is in the contract that fees are assessed on the ANNIVERSARY date. I as a consumer, believing the help they provided and information given had no way of knowing this small distinction, even though I read the document that I should be able to discern that the anniversary would be any date other than the first payment date printed on my Kabbage web portal account page and statement. Trying to call customer service is another joke as they reiterate that it is all clearly spelled out on the contract, which is is absolutely not clear.

Kabbage Resolution: A manager is supposed to review the calls as he agrees they should have absolutely made it clear that the fees are assessed on the anniversary date.

I paid the fees in total as I did not want to be harrassed or have them take money out of my account. However, I would not do business with them again. They are deceptive, new age loan sharks. I would not advise anyone to do business with them UNLESS you can pay back in full in 26 days. I believe there will be a potential for processing time shenanigans where they would probably assess interest if you pay to close to the due date. They strike me as being of that ilk.

I found items I desired on carid.com. Great graphics, easy navigation. I called just to ensure items would arrive in a timely manner as I would be travelling. Phone rep says, "Sure we have those in stock, ready to go from our warehouse tomorrow." After I placed the order I received numerous delay of shipment notifications because they do not stock the items they offer for sale. They are a middle man and not a good one at that. The items were ordered 5 July and arrived 28 July and 3 Aug respectively. Not acceptable for the lies and the logistics. One item did not fit. The No Hassles return is a joke. You are left holding the bag for exorbitant shipping fees for delivery and return! They make most if not all of their money on shipping fees. Run don't walk away from this NJ "company"!

Separately, the Buysafe Certificate did nothing when I opened a dispute. Worthless add on. Glad it was "free". You get what you pay for I suppose.

Update:
One month later, my dispute resolution through the Buysafe site did work. I must say I have to give CarID an additional star for working with me to resolve the issues. I did return items and was able to get return shipping paid. My original shipping was not refunded, but I am okay with that at this point. Sometimes buying online is very hard when it needs to fit properly. I am glad they made it easier to return my items, but the original policy clearly says they will not always do this. Would I buy from them again, I think the answer still has to be an emphatic "No".

To be honest I purchased art a couple of years ago, about 2010. I purchased artwork for my office from Redbubble. I had the artwork mounted and framed. I recall how very well packaged the items were when delivered. Items were delivered in a very timely fashion. I have very unique prints that I feel make the office feel much more professional. The framing and mounting really enhance the artwork. I would highly recommend this site.

I had a great experience with Wayfair. Fast shipping, reasonable shipping costs if not free shipping. I had to return a defected/damaged item. They just sent me a whole new set instead! I had coupon codes for a couple of transactions and then they stopped giving those. Now I see discounts for a friend if you refer a friend. I like the coupon codes much better. I am waiting for another 10% off code to splurge again.