??!
2 photos
Humm
2.3 from 392 reviews

Beware! Very open to identity fraud and privacy violations

Have never used this service (and never will) but received a letter of demand saying I owed $200+ for something that was bought fraudulently on credit in my name. Then they made me jump through hoops to prove it wasn't me via online fraud reports, stat decs and proving my identity.

How about you check the identity of people thoroughly BEFORE you let them set up account?

Terrible business model that makes it much easier for online criminals to rack up credit in other people's names.

Transparency
Customer Service
1 comment
Hi Dan, We are really sorry to hear about your recent experience. So we are able to advise you correctly and further investigate this matter for you please email your contact details to customerexperience@certegy.com.au or call our team on 1800 088 151. Regards, The humm Support Team

Wow Super Cool

I love Humm
I cannot believe how good it is, it is only an $8 per month fee and repayments are always in my reach
I am very thankful for this service
Many thanks
Deb

Transparency
Customer Service
Rates and Fees
Application Process
1 comment
Hi, Thank you so much for your review and feedback. We are really glad to hear that you have had such a positive experience using our services and our product are meeting your needs. We look forward to helping you with all of your purchases in the future. If you ever need any extra assistance or further advice please do not hesitate to email your contact details to customerexperience@certegy.com.au or call our team on 1800 088 151. Regards, The humm Support Team

Excellent service

I've had 3 transactions with humm so far my first one was on the 03/07/2019 for nearly $1200.00 the second one was on the 31/07/2019 for nearly $220 the first only has a few payments left the 2nd was paid off before time and the 3rd was on 28/08/2019 for nearly $1400.00 I've not had any issues with their customer service representative I've only had to contact them twice by phone and I was only on hold for a minute or two before I was speaking to a Australian customer service representative and both times they assisted me with me enquires and we're very professional, my only gripe would be that because I manually make my payments on or before the due date that the system possibly does recognize the consistency of my payments. Apparently due to the system is setup as a direct debit system and I did say so because I'm making manual payments usually before time it's not recognized? And she said yes possibly but she could forward my enquiry on to the accounts department for review. Humm needs to update the system so that the system detects manual and direct debit payments alike or put things in place for people that make manual payments before time, otherwise I couldn't be happier with my service to date and while I continue to receive the service I have in the past then I'll continue using humm for my purchases that I'd prefer to pay over time. Application process was streamlined received a determination in minutes and was up and shopping all and all been a great experience I must admit considering the service I've received I was very surprised to read all the negative reviews towards this company.

Transparency
Customer Service
Rates and Fees
Application Process
1 comment
Hi Thomas, Thank you so much for your review and feedback. Great to hear that you have had such a positive experience using our services and our products are meeting your needs. We look forward to helping you with all of your purchases in the future. If you ever need any extra assistance or further advice please do not hesitate to email your contact details to customerexperience@certegy.com.au or call our team on 1800 088 151. Regards, The humm Support Team

Took money from me and haven't paid the shop..the shop is harrassing me now

They took money from my account for a repair job from mobile mechanic but haven't paid the mechanic.his lawyer is now onto me but humm's support representative doesn't care about it. always says they can do nothing finance department is not responding.they are bloody taking installments from me fortnightly.Will never use them again in life. Going to complain to ACCC and never recommend them to anyone.afterpay is much better.

Transparency
Customer Service
Rates and Fees
Application Process
2 comments
Hi Anestesia, Apologies for the difficulties you have been experiencing. Please email your contact details to customerexperience@certegy.com.au so we are able to investigate the matter and advise you correctly. We also welcome your call on 1800 088 151. Regards, The humm Support Teamyou never reply a single email so no point emailing you guys.

Never ever ever again

Started out with Certegy then I'm guessing it merged with Humm.
Customer service is non existant, representatives refused to send details in an email as to not have a paper trail.
A direct debit failed so they Charged late fees multiple times even though we paid it via bpay. Not interested in resolving the issue, didn't want to know about it.
Totally rude and uninterested in customer service.
Never will I ever use them again. Absolutely disgusting service.

Transparency
Customer Service
Rates and Fees
Application Process
1 comment
Hi Dave, We are sorry to hear about your recent experience. So we are able to help resolve and rectify the issue please email your contact details to customerexperience@certegy.com.au or call our team on 1800 088 151 and one of our friendly representatives will happily assist you. Regards, The humm Support Team

Pathetic

I do not recommend humm at all, they will take your money, cancel your order with no notice at all.. Apparently refund takes upto 10 business days and when you ask for information their customer service have their heads so far up there back to give a crap.

Use zip or afterpay stay away from these scammers

Transparency
Customer Service
Rates and Fees
Application Process
2 comments
Hi, Apologies you have had a negative experience and would be happy to help you resolve the matter as best we can. So we can investigate this and advise you correctly please email your contact details to customerexperience@certegy.com.au or call our team on 1800 088 151. Regards, The humm Support TeamYou don't help with resolving anything I email and email, and no help .. Been over 3 weeks no refund you fuck wits stole my money and tell lies .. I was told my money was transferred on the 11th it's the fucking 17th .. still No money .. thieving dogs... DO NOT USE THIS PATHETIC GOOD FOR NOTHING COMPANY THEY WILL TAKE YOUR MONEY QUICK AND HAVE NOTHING TO DO WITH YOU AFTER THAT .. ONLY IF I COULD ADD SCREEN SHOTS ON HERE... I WILL DEFINITELY BE TAKING HUMM TO FAIR TRADING!!!!!!!!!

Cannot stand their "Customer Service"

On multiple occasions i have had to contact Humm about taking out unauthorized payments, (double charging and what not) had to deal with customer service agents who are completely uninterested in being there, or helping for that matter. They cannot seem to resolve the most simplest issues like taking twice the amount they are supposed to and just simply refunding it and stopping it from happening in the future. Honestly, just go use ZipPay or Afterpay instead, at least they seem to know what theyre doing.
If only i could give 0 Stars.

Transparency
Customer Service
Rates and Fees
Application Process
1 comment
Hi Balakay, We are sorry to hear that you have a poor experience communicating with our customer service team. If there is anything further that we can assist you with or help rectify please email your contact details to customerexperience@certegy.com.au or call our team on 1800 088 151. Regards, The humm Support Team

Monthly fee jumped from $3.50 to $8.00

My contract with certigy states monthly fee of $3.50
Certigy gets taken over by Humm
The fee is now $8.00 per month
How is this even legal?
Currently waiting on a response, but this is an absolute rip off.

Transparency
Rates and Fees
1 comment
Hi Hayley, We are merging 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 require any further assistance please send your contact details to customerexperience@certegy.com.au or call our team on 1800 088 151. Regards, The humm Support Team

Avoid Hummm, poor on every account and extremely difficult to get refunds from

I have used Zip and Afterpay and was on a website that only provided the Humm option for partial repayment so I created an account for the purchase. I was approved and purchased item online, unfortunately Item sent from retailer was wrong item and I so got a return approved. Humm still kept taking money from my account for months despite this and when I rang them to sort out, they only partially refunded me and insisted the retailer had to provide the rest as it was them who debited that money. Checked with bank and it was definitely humm who took the money and I had to chase them up for weeks to get my full refund. Was very difficult to sort out via their website which is poorly designed and everyone I spoke to at humm passed me from one person to another. They are a terrible company and definately are to be avoided at all cost.

Transparency
Customer Service
Rates and Fees
Application Process
1 comment
Hi Johnny, We are sorry to hear about your recent experience. All cancellations must be flagged with the merchant who then must notify humm so that the appropriate adjustments/refunds can be made on to your account so that you are no longer receiving charges for a returned product. So we can investigate this matter and advise you correctly please send your contact details to customerexperience@certegy.com.au or call our team on 1800 088 151 and we will be happy to assist you. Regards, The humm Support Team

More hassle than its worth!

My partner and I decided it was time for a new ducted air con system for our house. We had received two quotes and had made our choice. The suppling company offered Humm as a payment option as we thought we would pay for half and finance half. The total cost was $9,000. I'm pretty old school when it comes to finance and have never used this type of service before but thought I'd give Humm a go. I applied online but when it asked for my online bank account password & registration number alarm bells went off. I called Humm for an explanantion and they told me that's how they do pre approvals and its normal? I told them no one gets my bank account password and registration number, I'd be breaching my contaract with the bank etc etc.. I asked if I can e mail my bank statements through (they want to see your income flows... No was the response.) Conversation went nowhere so I called my bank ANZ to make sure I wasn't completely out of touch with modern finance solutions and their answer was "do so at your own risk - don't give out your password". I didn't bother with the approval....too hard. Also during the application Humm wants your employers phone number which I entered but it wouldn't accept the number saying it was not a valid number? Turns out the system doesn't accept mobile ph numbers. Enough said I was over Humm before I could even get going. I'll either save the money or just use my credit card because its just easier. At least with the bank you know what your in for.

Transparency
Customer Service
Rates and Fees
Application Process
1 comment
Hi Brendan, Thank you for your comments and feedback. You are not obligated to provide your bank details online to do a pre-approval online if you do not feel comfortable to do so. Instead you can make an application in store. Failing this and provided the purchase is for big things you can send some documents to our operations team to do a "special approval" assessment. If you require further clarification or have any questions regarding our application process you are welcome to send your contact details to customerexperience@certegy.com.au or call our team on 1800 088 151. Regards, The humm Support Team

Good in theory, poor execution.

With massive competition from Afterpay and ZipPay, you'd expect Humm to have a similarly user-friendly app and website. Instead, I've had to call multiple times to get a payment done because of both their website and app sending me back to the homepage instead of continuing, as well as generally not letting me change my default card in the first place.

Avoid it if you can.

Transparency
Customer Service
Rates and Fees
Application Process
1 comment
Hi, We apologise for any difficulties you have experienced with your recent purchases and using our services. For any future help please do not hesitate to email your contact details to customerexperience@certegy.com.au or call our team on 1800 088 151 and we will happily assist you with any issues and resolve any concerns you may have. Regards, The humm Support Team

Charge to my credit card for an account I haven't set up! NO TRANSPARENCY

Discovered a Humm Australia charge on my credit card statement - which I didn't recognise, so I rang my bank to investigate after googling it myself. All they could advise is that it is a recurring charge & that I will need to cancel my card to prevent further charges. The bank suggested logging in to my Humm account to check what I'd bought. However, this is not possible because I have never set up an account (I am averse to the monthly fees etc). The only contact number of course only operates during work hours. I can't find a livechat option to help. So I must now wait til tomorrow to find out what this is all about.

Transparency
Customer Service
1 comment
Hi, Apologies for any confusion caused by our name change. If you had previous contracts with Certegy Ezi-Pay or Oxipay your debits will now read as "Humm Australia" on your bank statement. So that we can investigate the matter and resolve any of your concerns, please email your contact details to customerexperience@certegy.com.au or call our team on 1800 088 151 and a friendly team member will happy to assist you. Alternatively we do offer a live chat (available from Mon - Fri 10:30am - 6:30pm AEST) if this is more convenient for you which you can access through the following link https://www.shophumm.com.au/customer-contact Regards, The humm Support Team

DON'T use this service. ZipPay is better.

This crowd are so poorly run they have put me into collections just one business day after sending an email to confirm that my balance has been paid in full [a year early]. They are refusing to close my account - instead leaving it "inactive without monthly fee charges". As a result my credit score is negatively impacted and I have to take a mortgage with a higher interest rate. DON'T use this service. ZipPay is absolutely genius.

Transparency
Customer Service
Rates and Fees
Application Process
1 comment
Hi Sue, Sorry to learn you have been experiencing some difficulties regarding your account. We can assure you that your credit score will not be implicated by using humm nor will it leave record on your credit file. In terms of closing your account permanently, we would be happy to help you with this provided your account is paid in full. So we can assist you further please email your contact details to customerexperience@certegy.com.au or call our team on 1800 088 151. Regards. The humm Support Team

What an amazing service

What an amazing service. Was quick and easy to use even after the transition from oxipay. Had no hassles in using humm and best of all it was a service for my car done by lubemobile. Thanks

Transparency
Customer Service
Rates and Fees
Application Process
1 comment
Hi Scott, Thank you for your review. We are so happy to hear that you've found our services easy to use since our transition. If you ever require any assistance in the future please do not hesitate to get in touch by emailing your contact details to customerexperience@certegy.com.au or call our team on 1800 088 151. Regards, The humm Support Team

Refused purchase by store using Humm

We are vip customers with $10,000 no deposit required. Went to a store to make several big purchases for our business and manager refused to honour it. Was told only $6000 limit which after us phoning humm was then reduced to $1500 on managers store computer and no vip status! However our account still states vip and $10,000 limit??? A very embarssing experience. Store manager was extremely unhelpful and rude...

1 comment
Hi Erin, We are sorry to hear of your recent experience. VIP offers are purely promotional and provide the option of $0 deposit up to a certain limit. Each VIP offer is a single-use offer and cannot be used multiple times. The VIP amount cannot be increased, however you can apply for a new purchase of a higher amount. Using this card is the easiest way for you to add another purchase to your existing account. You don’t actually need a physical card and this number just needs to be accepted by the merchant and placed on the new application. Please be aware each retailer has a store maximum they are able to place on humm and even if your VIP offer is over this amount you can still only apply up to the store limit and not all retailers accept VIP cards also; so do check with them directly first to see if they do. All purchases are subject to our terms, conditions & lending criteria. So that we can look into your account and to advise you correctly, please email your contact details to customerexperience@certegy.com.au or call our team on 1800 088 151. Regards, The humm Support Team

Awesome product!

What an amazing product with easy & convenient repayment options, that too interest free!! Loved this product & will definately suggest to more. One of the best products out there. Happy humm-ing.

Transparency
Customer Service
Rates and Fees
Application Process
1 comment
Hi Conty, Thank you for your comments and feedback, we very much look forward to keeping you humm-ing in the future. Regards, The humm Support Team

Stick to Afterpay

I only signed up with then Oxipay because it was used by my hair Salon. After being so so messed around by Humm I am going to tell the salon how dodgy humm is and hopefully they will move to afterpay. Or I will move salons. Humm does seem so very proud of how poor their customer service is so they don’t care. But store owners might care. And meanwhile afterpay is rapidly expanding.

3 comments
Hi Michelle, I can confirm the repayments for your purchase are on a scheduled direct debit basis. In line with this; how you accrue available spend and wallet limit is a system based assessment. When you use the “Pay Now” feature on your account, the system based assessment does require some time to adjust accordingly. This is why when you used the “Pay Now” feature recently; the system did not allow a new purchase straight away. This process does form part of our responsible lending and internal risk criteria. If you require further assistance, please email your contact details to customerexperience@certegy.com.au or call our team on 1800 088 151. Regards, The humm Support TeamSo I cannot pay my balance off before the due date? And if I do I cannot use Humm for three days? Does this sound ridiculous to you too? I pay my afterpay payments early all the time. And I can still make purchases without waiting. Lot of poor reviews on here.Hi Michelle, I can confirm the repayments for your purchase are on a scheduled direct debit basis. In line with this; how you accrue available spend and wallet limit is a system based assessment. When you use the “Pay Now” feature on your account, the system based assessment does require some time to adjust accordingly. This is why when you used the “Pay Now” feature recently; the system did not allow a new purchase straight away. This process does form part of our responsible lending and internal risk criteria. In saying this; I can see that you should now have your wallet limit returned and there should be no issue in making a new purchase. So that we can look into your account and to advise you correctly, please email your contact details to customerexperience@certegy.com.au or call our team on 1800 088 151. Regards, The humm Support Team

Awesomeness!!

I went to Bing Lee yesterday to get some new appliances. So glad they have Humm. Worked seamlessly and now I can spread the payments out over a couple of months.

Transparency
Customer Service
Rates and Fees
Application Process
3 comments
Hi, Thank you for your comments. We are so thrilled that you are finding our products to be user-friendly and also convenient allowing you to comfortably make your repayments, here's to keeping you humm-ing! Regards, The humm Support TeamOn my way to ikea this weekend!Happy humm-ing! Regards, The humm Support Team

Horrible service

Was given a certain amount to spend. Spent that knowing i could afford repayments. Humm then contacted one of the places i ordered from, and got them to cancel my order.
Hadn't defaulted, as first time using it.
They have now changed my balance to spend to zero.
Haven't received my $235 i paid as first payment on my cancelled order back either. No contact to explain anything, despite clearly having my phone number and email. Will only be using other payment plan options now instead.

Transparency
Customer Service
Rates and Fees
Application Process
1 comment
Hi Amanda, Sorry to hear you have had some difficulties with a recent transaction. Unfortunately if the details that you provide that do not match your own registered personal details on file you account may be flagged by our risk department. For a full list of terms and conditions please visit our website https://www.shophumm.com.au/terms-and-conditions or alternatively if you would like further clarification on this please do not hesitate to send your email your contact details to customerexperience@certegy.com.au or call our team on 1800 088 151. Regards, The humm Support Team

Wish I could give a no star review

Signed up with oxlipay, turned into Humm. Paid my dues on time, tried to change an account for it to come out of, didn’t work, was behind a payment. Then locked out of my account, couldn’t change account details. Emailed, called, nothing. After months of deliberating, I found a bpay code on my original bill, used that and never using this ridiculous service again. Afterpay all the way, or Zippay, or I’ll bloody pay cash... anything to avoid using these idiots again.

Transparency
Customer Service
Rates and Fees
Application Process
3 comments
Hi Tanya, Apologies for you recent difficulties in using our services. Unfortunately if you had payments that were in arrears it would prohibited you from accessing your account online. We would have attempted to contact you to resolve any outstanding payments. Sorry if this did not happen sooner and there were any errors in communication. Regards, The humm Support TeamExtremely user unfriendly. You’re targeting a crowd of people who use these facilities ONLINE! How dumb to lock one out of their account simply because one payment failed to process, and not give the user of the account access to update the account paying details in order to Not be in arrears anymore. Convoluted crap. Hence my rating of one star, if I could give zero, that’s what HUMM would receive.... nothing redeeming about this service.Hi Tanya, Thank you for your feedback. We are sorry for your recent experience and that you are unhappy with our services. If you would like to speak with someone further in relation to your account you are welcome to email your contact details to customerexperience@certegy.com.au or call our team on 1800 088 151. Regards, The humm Support Team

Page 1 of 20

Questions & Answers

I have a credit limit on both big and small items but when I went to order got declined, why is that
1 answer
Yes, that happened to me also. So i phoned or i might have messaged them via their app and they sorted it out I think they have a little glitch sometimes :)

Can u by random different things at once or do u hv go pay the first stuff off first
2 answers
Yeah, go random:) For small things, it sets you a limit depending on your affordability and then you go shopping:) It will never set a limit in which you are unable to repay Happy random shopping:) DebHi Andy, Thank you for your question and interest in our product and services. Generally speaking, subject to the meeting lending criteria you can have a 'Big Things' and 'Little Things' contract running at the same time. If you have any further queries please feel free to email you contact details to customerexperience@certegy.com.au or call our team on 1800 088 151 and one of our friendly representatives will happily assist you. Regards, The humm Support Team

Hi I was thinking about buying a bigger tv and was hoping that hmm do a 6-12 months repayment plan can I do that
3 answers
Hi If you go to their website, shophumm.com.au You can buy small items, under $2000 and Big items over $2000 all with different repays and you choose weekly or fortnightly repayments and am sure over $500 equals over more than 5 months or more Betta is one of their stores who use this service and its excellent All the best:)Hi thanks so much for you quick reply it and it has answered for what I’m looking for regards MarieHi Marie, Thanks for getting in touch. You can make a 'Big Things' purchase that is under $2,000 up to $30,000 depending on what you buy and where you shop and you repay over 6, 12, 24 months all the way up to 60 months. To learn more about our products and how they work please visit our website https://www.shophumm.com.au/how-it-works If you have any further questions please email your contact details to customerexperience@certegy.com.au or call our team on 1800 088 151 and one of our friendly representatives will happily assist you. Regards, The humm Support Team

Other Buy Now, Pay Later Services


ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.