Humm was previously trading as Certegy Ezi-Pay and Oxipay
Pros
No fees and Zero Interest if you choose 5 fortnightly instalments to pay for 'Little Things' up to $2,000
Zero Interest & 6 - 60 months time period to repay 'Big Things' up to $30,000
Cons
$8 Monthly Fee if you choose 10 fortnightly instalments to pay for 'Little Things'
$8 Monthly Fee & $35-90 Establishment Fee for 'Big Things'
$6 Late Payment Fee
Reviewer Photos & Videos
DeeSydney, NSW
Not Happy Humm
So I have made 2 purchases with Humm. Have had 2 payments to make and the day they were supposed to come out of my account, it never. I have been charged late fees of $6 each time.
Looked at my bank statement and there was no payment taken from my account. Both times there was money in my account.
I was not sure if I was supposed to pay manually or not. I called them and asked how are payments made, the lady told me since I was in arrears she could not discuss that with me, and I had to contact the collections team.
I asked her in general how ...Read more
1 comment
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Mara
- 2 reviews
- Verified customer
0 Customer Service
EDIT: Humm request you email them but again any and all attempts of contact are ignored. Bypassing the ombudsman and going straight to a lawyer.
Well! It all started when I contacted Humm about having my bank card stolen and being unable to pay an upcoming payments. I received an email from N in the collections department demanding to know when I would have a new card to pay off the outstanding amount, which I honestly didn’t know when, and that’s when the snarky and nasty attitude came out.
I requested N to refer it to a third party debt col...Read more
lector as they are more understanding and willing to work out a payment plan, told no. I received some condescending and snarky response which I was absolutely disgusted with to the point where I asked for N to pass it along to someone else. It’s been over a week now and I’ve had no response at all.. even to follow up emails through the Humm website. Today I tried to login to my account so I could start paying my account but it’s been locked. I jump on live chat and speak to someone named S who told me they couldn’t do anything and to call the collections department. I told S I have been awaiting contact for over a week and did I get a response to this? No! I’ve now referred the case to the financial ombudsman as I keep receiving letters in the mail about how they are adding $30 collection fees to the total amount. If someone’s experiencing hardship etc why would you add more fees? Absolutely ridiculous. At least with afterpay, zippay, openpay etc you have more store selection with easier repayment options. You’re not slugged $6 per late fee and $30 collection fee for each outstanding order.3 comments
humm Support TeamHumm
Hi Mara,
We are sincerely sorry to hear about your recent experience,... Read more
We would really appreciate the opportunity to resolve any issues and concerns you may have regarding this matter So we can help you with this further please email your contact details to [email protected] or call our team on 1800 088 151. Regards, The humm Support TeamI have emailed..
humm Support TeamHumm
Hi Mara,
Thank you so much for emailing us.... Read more
We are glad to hear that you have been able to engage with our hardship department to make a payment arrangement. If you have any further concerns please feel free to email your contact details to [email protected] or call our team on 1800 650 745. Regards, The humm Support TeamSimilar opinion? Write a review on ieatwords.com.au!
Pat S.Hunter Region, NSW
They need a long hard look at all staff and training methods. This place is beyond a joke
Worst service ever, don't ever use big things because if the mark you as a risk they will hold your $300+ for atleast a week we'll that's how long they have kept my funds have no idea why they can't just refund it. Not just let it sit there. Trash service and team management.
1 comment
humm Support TeamHumm
Hi Pat,
We are sincerely sorry to hear about your recent experience. ... Read more
So we are able to investigate this and help you resolve any concerns you may have please email your [email protected] or call our team on 1800 088 151. Regards, The humm Support TeamSimilar opinion? Write a review on ieatwords.com.au!
WinnieSydney, NSW
- 3 reviews
Poor Customer Service
If I can only give zero star to Humm, I will. I've been with Certegy for the past years but they changed to Humm who has the worst customer service ever. Everytime you ring them to make a query they are unable to help you plus the way they talk to customers are disappointing. From customer service to Collections Team, they are arrogant and sarcastic. All staff needs customer service training I swear.
1 comment
humm Support TeamHumm
Hi Winnie,
Thank you for your feedback.... Read more
Sincerely sorry to hear your last experience was disappointing. We would appreciate the opportunity to try to remedy the situation and we welcome any concerns you may have to be sent to [email protected] along with your contact details. Regards, The humm Support TeamSimilar opinion? Write a review on ieatwords.com.au!
SachaPerth, WA
Worst customer service
I just spoke to Kit - team leader apparently he had no boss for me to email my concerns too, the lady before him didn’t get her name was extremely rude and so not helpful, I actually just wanted to pay my account off EARLY! These people definitely need customer service training because they have none, poor is an understatement
1 comment
humm Support TeamHumm
Hi Sacha,
Thank you for providing your feedback.... Read more
Our sincerest apologies for the experience you had. So we are able to remedy the situation we welcome any further feedback you have to be sent to us at [email protected] along with your contact details so we can hopefully resolve any issues you have. Regards, The humm Support TeamSimilar opinion? Write a review on ieatwords.com.au!
TimCentral Queensland, QLD
- 2 reviews
Humm suck
afterpay is much better or even lattitude pay the people at customer service are rude. My application was denied and i cant be told why but anyway i will just continue to use afterpay
1 comment
humm Support TeamHumm
Hi Tim,
Thanks for getting in touch regarding applying for a humm account.... Read more
Based on the information that you may have provided in your registration; you may not meet our internal lending criteria for a humm purchase or account at this time. Unfortunately we are unable to specify the exact reason for this. As a responsible provider of credit, we consider a number of factors as part of our assessment process. This includes, but is not limited to: Your repayment history with other lenders and accounts (e.g. telco, utilities and credit accounts). This helps us determine whether you can comfortably meet your repayments. Other information you provided which allows us to consider your application Please note: for humm applications we take additional factors (such as income, spending and employment status) into consideration as provided by you during the application. If you require further information or would like us to investigate your application please email your contact details [email protected] or call our team on 1800 088 151. Regards, The humm Support TeamSimilar opinion? Write a review on ieatwords.com.au!
RantiSouth East Queensland, QLD
- 2 reviews
Rating 1 star is already too high for this!
Ok, yes it was so easy to apply and make payment using it, but unfortunately the customer service is horrible. And believe me, I NEVER rate anything this low, even if they sucks very badly. But this is outrageous.
I applied using my name and credit card details but had to use my husband's cc to make the first payment. 2 weeks after that I tried to login and change it back to my payment details but they blocked my account without any explanation or whatsoever. I emailed them to see what was wrong with my account, and A WEEK later I got a rep...Read more
ly back saying it was 'FLAGGED' as fraud. I emailed them straight away explained that it was my husband's and I just want to change it back to my credit card details, and (again, very late reply) few days after they just 'suggest' me to change my payment details back to mine - WHICH what i have been trying to do before they blocked my account. One thing annoy people the most is when they have to keep explaining the situation over and over again to different customer service even though they already have a clear record of email correspondence since the beginning in their system. And SLOW response, oh lord, that just it, the cherry on top. They have not yet successfully solve the situation until now and honestly, bad support/customer service really damage the company's reputation. ZERO star from me.1 comment
humm Support TeamHumm
Hi Ranti,
We are sorry to hear about your recent experience and can understand your frustration in attempting to resolve the issue.... Read more
Unfortunately as I am sure that you have now been made aware that it is in fact a breach of our terms and conditions to have a third party credit card on your account. So we are able to assist you with this matter and help you with your account please email you contact details to [email protected] or call our team on 1800 088 151. Regards, The humm Support TeamSimilar opinion? Write a review on ieatwords.com.au!
IvanMetropolitan Adelaide, SA
- Verified customer
Humm a good company, everyone complains that have defaulted
I have been using humm for about 8 months and have had no issues at all, great service and have had no issues with customer service, good retailers also, everyone on here with bad review always complains and 9 out of ten is people that have defaulted on payments, afterpay is exactly the same, it's called responsible lending, can't wait for there new service Bundll to launch great work humm absolutely loving it :-)
1 comment
humm Support TeamHumm
Hi Ivan,
We really appreciate your feedback and are thrilled to hear that our products and services are meeting your needs.... Read more
Thank you again for humm-ing! Regards, The humm Support TeamSimilar opinion? Write a review on ieatwords.com.au!
Darla V.Perth, WA
Shocking & Atrocious Customer Service
I purchased an item for $998.00 and believed i would be paying $200.00 a mth. No. It was $200 per fortnight! I queried the contract with Humm & was dealt with very rudely by the CSR, who insisted that the Sales Person would have advised me of the payment amt & schedule at the time of signing the contract. The CSR also insisted that i would have received a text to that effect. I did not get either! What i got was a text advising me when my first payment was due. I spoke with the CSR's T/L, who maintained the same argument & was equally as a...Read more
rrogant. I emphatically denied this and cautioned them against telling me what had happened in the store when they weren't even present during the transaction. I terminated the call, quite angry at the treatment i had received. I am appalled that Humm's calls are not recorded! I went back to the store & requested the contract be cancelled. Fortunately the Sales Person that signed me up was there and she was very helpful. Contract cancelled & new one set up at $26.16 per fortnight. Was advised that i would be reimbursed $600 for payments made however i'm still chasing the money & being given the run around by Humm. The matter now sits with the AFAC.3 comments
humm Support TeamHumm
Hi Darla,
We are sincerely sorry to hear about your recent experience and would like the opportunity to assist you in resolving this issue. ... Read more
Please email your contact details to [email protected] and we can further investigate this matter for you. Regards, The humm Support TeamThis contract was cancelled on Thursday 02.01.2020 - the p/calls and emails were done in front of me. Humm then had the cheek to tell me on Saturday 04.02.2020 that they never got an email until Frid... Read more
ay 03.01.2020 at 8.30pm. They also told me that my refund would be processed and in my account on Monday 06.01.2020 which was the next business day. It's become quite clear to me that sales people are keen to sell the Humm finance product, sign people up and then Humm rudely dismiss queries customers may have regarding their accounts/payments. Even the Sales Person didn't realise that the product she was signing me up for was for a very short period of time. I thought that this contract would be over a period of mths not weeks because i had another contract that was worth twice the amount (signed up in Nov 2018) and that was taken over 18mths. The amount of grief this has caused me has made me so anxious. I trusted the Sales Person's knowledge and believed Humm would assist me at the time. Not so!humm Support TeamHumm
Hi Darla,
Again we apologise for your recent experience and the confusion regarding which product you were using.... Read more
Under the umbrella of humm we have two different buy now pay later options - big things (longer term finance formally known as Certegy Ezi-Pay) and little things (shorter term finance formally known as Oxipay). It sounds like you intended to do a big things purchase, instead your purchase was processed as a little thing. We are more than happy to assist you with your refund and any other concerns you may have. So we can help you resolve this issue please email your contact details to [email protected] or call our team on 1800 088 151. Regards, The humm Support TeamSimilar opinion? Write a review on ieatwords.com.au!
Easy approval thru the app
Approved for little and big purchases however used 2000 of 4000 big things limit and lost the remainder balance as it is a one time purchase amount which I didn't know about.
Little things bit unclear about deposit information.. Used big things no deposit so assumed the little was the same.. Wrong! And much embarrassed at store.
1 comment
humm Support TeamHumm
Hi,
We are sorry to hear about your recent experience and the confusion surrounding deposits.... Read more
Generally speaking a big things purchase does require a deposit. The deposit amount will be dependent on the store you are making a purchase with. For little things there is a 20% deposit required at point of sale. The only instance when there would not be a deposit required is if the retailer is offering a no deposit offer or if you have a VIP offer. For more information regarding deposits please refer to our terms and conditions: https://www.shophumm.com.au/terms-and-conditions#toc-6-repayments If you require any further assistance please do not hesitate to get in contact by emailing your contact details to [email protected] or call our team on 1800 088 151 and one of our friendly representatives will happily assist you. Regards, The humm Support TeamSimilar opinion? Write a review on ieatwords.com.au!
Shazza G.Sydney, NSW
Absolutely shocking no help at all
I only gave you guys 1 star cause I had to make a review really you guys should be getting none you are the worst customer service ever you can’t even help out your old existing customers you guys are pathetic hope you go out of business then when I go ask why I got knocked back all you guys said did not meet the criteria wth I was a customer before why not now after pay all the way you guys suck
1 comment
humm Support TeamHumm
Hi Shazza,
We are very sorry to about your recent experience and would like to assist you to our best ability to give you some clarity and best resolve this issue for you.... Read more
If you were a former Certegy Ezi-Pay customer all of your previous history would still stand. So we are able to further investigate this please email your contact details to [email protected] or call our team on 1800 088 151. Regards, The humm Support TeamSimilar opinion? Write a review on ieatwords.com.au!
DavidGreater Melbourne (Metropolitan), VIC
- 2 reviews
Ripped Off - No Support from Humm
Absolutely shocking service from this third rate organisation. I have yet to receive my item from the merchant. Humm customer service provides no support whatsoever, they tend to side with the merchant and do not look out for the interests of the consumer. I have yet to receive my item from the merchant as they have utilized Sendle. I have contacted Humm and they tell me I need to go back to the merchant which contradicts their initial advice. Humm are totally useless. I will no longer be utilising their service once my transactions are finalised.
4 comments
humm Support TeamHumm
Hi David,
We are sorry to hear about your recent issues using humm. We do try our best to resolve issues between our valued customers and our retailers however we can be limited in what we can do sometimes.... Read more
So we can potentially assist you further; please send your contact details along with your concerns to [email protected] so we can hopefully get a resolution for you. Regards, The humm Support TeamRefer to the multiple emails that I have already sent. I sent another today.
humm Support TeamHumm
Hi David,
You may have sent emails to [email protected]?... Read more
So we are able to assist you please direct your contact details and concern to to [email protected] so we can assist you further. Regards, The humm Support TeamSimilar opinion? Write a review on ieatwords.com.au!
AndrewHunter Region, NSW
Increased fees without informing
After six months fees went up from $3.50 to $8 per month and we weren’t told.
I think there are way better options out there.
I going to try to figure out how to pay mine out. I don’t want to stay a customer.
1 comment
humm Support TeamHumm
Hi Andrew,
Thank you for reaching out regarding the change in our fee structure.... Read more
We have merged three fees into one easy monthly fee. Currently there is one monthly fee of $3.50 and generally two payment processing fees of $2.95 for a total of $9.40 a month. Under the new humm offering; you will be charged a lower flat fee of $8.00 a month. For more info, visit: https://www.shophumm.com.au/how-it-works If you have any further queries please email your contact details to [email protected] or call our team on 1800 088 151 and one of our friendly representatives will happily assist you. Regards, The humm Support TeamSimilar opinion? Write a review on ieatwords.com.au!
Awesome
Humm is great only people complaining are those who didn’t make repayments on time.. and clearly didn’t bother to contact Humm to fix it before it defaulted .. take responsibility people!! Humm is perfect for those with the sense to use it right!
1 comment
humm Support TeamHumm
Hi Belinda,
Thank you for your review and we greatly appreciate and value you taking the time to leave your feedback.... Read more
We are so thrilled that you are one happy humm-ing customer. Regards, The humm Support TeamSimilar opinion? Write a review on ieatwords.com.au!
S.GAdelaide
- 12 reviews
Pretty annoyed
So i was always loyal paying my account until i lost my bank card and had to cancel the card to prevent anything being stolen from my account by anyone who finds it. Its easy to forget which creditors u have going through a card!
Anyway. I missed 2 payments. I found an email just before saying debt collectors will be coming for me lol...
I actually have been trying to update my card details on the app but wouldn't let me and i ordered a new card . Found it was a card fault and the new card has been accepted. But there is NO option to pay the arrears. Everything is barred wont even let me pay a single cent. How ridiculous is that.
1 comment
humm Support TeamHumm
Hi S.G,
We are sorry to hear about the issues you have had with your bank card.... Read more
If your payments are in arrears humm will attempt to contact you to try to resolve the account and update any banking details. So we are able to help you get back on track please email your contact details to [email protected] or call our team on 1800 088 151 and one of our friendly representatives will assist you. Regards, The humm Support TeamSimilar opinion? Write a review on ieatwords.com.au!
Terrible terrible terrible
I ended up defaulting and it go transferred to a collection agency. I am responsible for that. I paid that back theough the collection agency and finished about 6 months ago. Signed up to humm yesterday and didn't realise it was certegy. My debt was still sitting there. I was like what!!! Called them up and spoke to collections who were very very rude and told me that it will always be there and I will never be able to use their service again. That is NOT right. I paid it all back in full so it should say 0 owing. Where does it state that if you have an account that goes to a collection agency you can never use them again??
1 comment
humm Support TeamHumm
Hi Victoria,
We are sorry to hear about your recent issues using humm. There can be many reasons as to why you may be declined to use our services and one of these can be previous poor history with our company. ... Read more
So we can potentially assist you further; please send your contact details along with your concerns to [email protected] so we can perhaps give you some more information on your circumstances. Regards, The humm Support TeamSimilar opinion? Write a review on ieatwords.com.au!
SamGreater Melbourne (Outer), VIC
Rubish... Do not use this service.
Wish I could give 0 star for this service. I have home loans and investment loans approved by banks. I apply for an amount under 6000, as the store sugested to go through them. However I got declined. Gave more evidences and still declined and no reasons given. My advice is not even try to apply as this may reflect on your credit rating, Looks like it is been run by a group of amateures and they have no idea what they are doing. Im now worried about the security of my personal details i have forwarded to them. Wonder how these busineses get approved by ASIC?
1 comment
humm Support TeamHumm
Hi Sam,
We are sorry to hear about your recent issues using humm. There can be many reasons as to why you may be declined to use our services but applying/registering through us wont affect your credit score or rating I can assure you. ... Read more
So we can potentially assist you further; please send your contact details along with your concerns to [email protected] so we can perhaps give you some more information. Regards, The humm Support TeamSimilar opinion? Write a review on ieatwords.com.au!
PJ Stone
- 3 reviews
- 1 like
Retailer ripped me off, HUMM NOT HELPING
Purchased from an online retailer over a month ago with humm. Not only have I not received my purchase, HUMM are not willing to refund me. I have reported both Businesses to the Department of fair trading and the ACCC.
Not happy at all.
3 comments
humm Support TeamHumm
Hi PJ,
We are sorry to hear about your recent issues using humm. We do try our best to resolve issues between our valued customers and our retailers however we can be limited in what we can do sometimes. ... Read more
So we can potentially assist you further; please send your contact details along with your concerns to [email protected] so we can hopefully get a resolution for you. Regards, The humm Support TeamHumm. I have sent you a number of emails to which I have no replies?
Go easy online have ripped me off and humm are doing nothing? It's been well and truly over 30 days from purchase and still nothing... Read more
humm Support TeamHumm
Hi PJ,
Thank you for your further query.... Read more
We have received your email correspondence and have replied with the appropriate information. Each retailer that we deal with has their own returns/refund policy. If you need further assistance in regards to this you need to speak to the retailer directly. Regards, The humm Support TeamSimilar opinion? Write a review on ieatwords.com.au!
Annoying and the worst customer service
So, first things first. A payment was missed and i accept full responsability for this! Happily paid the fee and asked for my acct to be unlocked.
Said it would take 2 days. 8 days later, many calls and still not unlocked! And its now
Xmas eve and too late. Will pay my $47 balance and close acct. dont use! Ever
2 comments
humm Support TeamHumm
Hi Barry,
We are sorry to hear about your recent issues with your account.... Read more
So we are able to assist you resolve this matter please email your contact details to [email protected] or call our team on 1800 088 151 and one of our friendly representatives will happily assist you. Regards, The humm Support TeamStill no call from Humm. Awesome job guys!
Similar opinion? Write a review on ieatwords.com.au!
Kim W.
- 3 reviews
Love Humm
I have never had a problem with Humm, the Customer service is fantastic and it's easy and convenient to use. There were a few small issues when Oxipay was combined but it was worked out quickly
1 comment
humm Support TeamHumm
Hi Kim,
Thank you so much for your feedback and review.... Read more
It is really great to hear that you are still enjoying using our services and we look forward to keeping you humm-ing in the future! Regards, The humm Support TeamSimilar opinion? Write a review on ieatwords.com.au!
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Questions & Answers
Simmieasked
Can a pensioner with an excellent credit rating report possibly qualify for a Humm account to buy little things, not the big things? I know I have excellent credit rating, submitted a bank statement, my name, phone number. I wasn't even asked for ID nor date of birth etc because? I was rejected out of hand. I have qualified and paid off many Afterpay purchases, even Zip pay approved and had a $1500 Mastercard approved and paying all of exceptionally well but not good enough for you.
No answers
Red hat Eileenasked
HOw I don’t I at you please
1 answer
humm Support TeamHumm
Hi Eileen,
Can you please clarify your question?
Please also feel free to email your contact details to [email protected] or call our team on 1800 088 151 and one of our friendly representatives will happily assist you.
Regards,
The humm Support Team
Jack S.asked
I tryed add my card to an account and say this card canot be added as i created a new account. But had an old account on an old card and try to put my new card on my old accont and it wont let me even after a terminated my new acount???
1 answer
humm Support TeamHumm
Hi Jack,
Sorry to hear about the difficulties you have been experiencing adding your card.
So we are able to assist you further troubleshoot this issue please email your contact details to [email protected] or call our team on 1800 088 151.
Regards,
The humm Support Team
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humm Support TeamHumm
Hi Dee,
We appreciate the time you have taken to leave feedback and are sincerely sorry to hear about the recent issues you have encountered with making repayments.... Read more
All payments are set up as an automatic direct debit from your nominated bank account or credit/debit card and will be requested early that morning your payments are due, So we are able investigate this further for you please email your contact details to [email protected] or call our team on 1800 088 151 and one of our friendly representatives will happily assist you. Regards, The humm Support Team