Pretty awful customer service as other people here have mentioned, along with Zip not honoring their reward program. Zip has a referral reward program where if you purchased through their app, that referral reward would partially pay your last two payments. I purchased through Zip's app expecting that referral reward to reflect in my payment plan, however tha tnever happned. I got worried so I immediately contacted their customer service about it. I was told they saw my purchase and to wait, then rudely brushed off by the rep, 'so I can help other customers'. I waited, then became worried again when my referral reward continued not being reflected in my payments. Not only that, my reward was close to expiring. I contacted customer service again and was told I never used the app for my purchase. Confused, I brought up the confirmation email, as well as their coworker confirming I did in fact use the app to purchase. I was brushed off again by being told to use the app basically a second time(while being lied to that it would be the first time) After going back and forth with more lying customer service reps, I escalated the problem to their formal complaints. Finally someone admitted they saw on their end that I used the app, only to tell me that they'd add my referral reward back(which expired at this point) and to purchase through their app again instead of just refunding me the amount I lost. It's pretty obvious they didn't want me to use my referral reward in the first place for my payment(s). Especially after they realized their mistake, let my ref reward expire and that I kept evidence of that purchase. I definitely do not trust them to actually honor a second purchase through their app, since they constantly lied about it the first time. Any other reputable business would have been honest, respectful, corrected their mistake and kept their customer in the process. So I'm in the middle of escalating this further with my Bank and other sources to get this settled.