facebookAtome Reviews and Comparison - Seedly

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2.6
28 reviews
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Unclaimed

This product has not been claimed by the company yet.

Summary

Late Payment Fees

If you missed your second payment, Atome will charge a $15 late repayment fee and freeze your account. If you fail to pay the late fee of $15 and the outstanding balance on the third and final month, you will be charged another $15. The total late payment fees are capped at $30 for one transaction.

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Atome

3 instalments

PAYMENT FREQUENCY

From $15 (capped at $30 per transaction)

LATE PAYMENT FEE

Debit/Credit Card

PAYMENT METHOD

Atome

3 instalments

PAYMENT FREQUENCY

From $15 (capped at $30 per transaction)

LATE PAYMENT FEE

Debit/Credit Card

PAYMENT METHOD

Reviews (28)

2.6

28 Reviews

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13

Service Rating

Choice of Merchants

3.5

Customer Support

2.6
    Most HelpfulMost RecentLow to HighHigh to Low
      Posted 4d ago

      Purchased

      Atome

      This will be my first and final use of the service. I purposefully postponed my payment by a month due to a lack of funds in my account, and I am currently waiting for my salary to be paid (which is at the end of the month.) The maximum admin costs that can be levied, according to the terms of service, is RM60. A single late payment will cost you RM30. I had anticipated being charged RM30 because I had postponed my last payment. Someone from Atome called me a few days later and asked if I could pay the outstanding balance on the same day. I informed her that my account balance was insufficient, but that I would still try to pay. As a result, the payment was declined since there was insufficient funds in my account. Then, as the days pass, they continue to phone me many times per day. Like some sort of thug or ah long hunter. Because they called during working hours, I declined almost all of the calls. I then told them that if they really wanted to talk to me, they should call during lunch or after officer hours. I should have paid the final payment on May 7th. However, I had planned to pay on June 7th. Thirty days late. And I'm willing to pay the administrative fees because I'm the one who caused the delay. They are now contacting me every single day via phone and WhatsApp, stating that they will appoint third-party agencies/people to pursue me for the debt. I swear, I feel like I'm being pursued by ah long. I know it's my fault for the late payment, but I've already told them about my problems, and they don't seem to mind. What they only know is to push customers and demand money the same day. I also informed them several times that I would cover the administrative costs. But they choose to ignore it. They also offered to waive the admin fees if I paid on that day. If I had enough money, I would have paid. My advice is to not use the service if you are unsure whether you can afford to pay it consistently for the next two months. Instead of making your purchase easy, it may become a hassle. This is my experience using the service. It may be different for others. Many thanks to anyone who read it this far.

      0

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      Posted 8d ago

      Purchased

      Atome

      [Customer Service] [Mobile App] AVOID AT ALL COSTS!!! Don't have the money to hire customer service hotline then don't do business here in Singapore!!! I missed the second payment by a few days afterwards I made the payment via their app. However, money was already deducted from my bank account and posted but Atome did not update the app or my account. The email support is basically useless . I sent the same screenshot and information on repeat because they did not process my payment. And yet! They dare to keep chasing me for payment when I already paid ! It's frustrating to use them and thankfully , the card i used for this app doesn't links up with my saving account. I found out that they just keep trying to charge ridiculous amounts on your card every single day . More than 5 times a day . I really regret using them. And up till now, it's still not resolved yet. Such a simple task yet they can't even resolve it. Big Boos compared to their competitor Hoolah which i never face such problems ever before.

      0

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      Posted 19d ago

      Purchased

      Atome

      Horrible app and even worse customer service. My credit card on file with them had to be cancelled due to fraud, so I updated the app with the details of a new card. This new card isn't recognised by the system, and Atome has attempted to charge me a $15 late payment fee not once, but twice now. Each time, their customer service has been slow to respond but quick to put the blame on me for "missing a payment". Avoid like the plague!

      0

      What are your thoughts?

      Posted 03 Apr 2022

      Purchased

      Atome

      [Mobile App] DO NOT use Atome app! It has security breach. I had 3 scheduled instalment payment plan made. 2 went thru each month without issue. I set up my preferred payment using my credit card and it’s an auto billing. I cleared my bills promptly without issues. The 3rd payment, also the last one. Atome told me my payment didn’t go thru and my account has been suspended, and the I’ve been charged an admin fee of $15 to reactivate my account. A check on my Atome app, my preferred payment page has been iterated somehow, without my knowledge, hence making the payment unsuccessful. Then I received WhatsApp message claiming that it was from Atome , asking me to PAYNOW them the penalties. They even provide me a with a handphone number for the paynow transaction. They also asked me which date I can do the paynow. I thought it must be a scam so I blocked the WhatsApp message . I wrote to them telling them I’m afraid my account has been hacked . No reply from them till today . Afterthat I received a call, asking me when can I pay. They said I won’t be charged for the admin fee of $15 if I can pay within 2 hours. I said ok. I reset up my preferred payment using another credit card number . The payment went thru successfully. I was cleared. Then I wanted to delete the credit card details as my preferred payment but IT DIDN’T WORKING. I tried a while later , the delete function couldn’t work . I tried the next day , it didn’t work too. Next next day, I received a text from the bank, saying that my credit card has been used for multiple transaction. The card has been blocked due to security issues. I checked on my IB, shocked to see 200 pending transactions on Microsoft Xbox of >$4000 dollars! I called the bank immediately to cancel the credit card . DID THEY BUILD AN APP TO MANIPULATE ALL THESE?!? HOW CAN I TRUST AN PAYMENT APP ANYMORE? [Billing] [Mobile App]

      1

      What are your thoughts?

      Hi Mr Okasan, is there any way I could PM you privately? I would like to find out more about this!

      Posted 03 Apr 2022

      Purchased

      Atome

      [Customer Service] Lousy customer service. Asking for a refund seems like forever. No contact centre. Only an email address provided which takes more than 2-3 days to revert. Atome : If you don't provide a hotline support number or an address, and charge on clients for late charge fee of $10/day, then shouldn't your clients charge you late for $10/day each time you delay their refund or late revert?

      1

      What are your thoughts?

      Hi Ms Lyn, is there any way I could PM you privately? I would like to find out more about this!

      Posted 31 Mar 2022

      Purchased

      Atome

      They have a good variety of merchants and they regularly plan campaigns so look out for the discounts

      0

      What are your thoughts?

      Posted 28 Mar 2022

      Purchased

      Atome

      Do not trust this app at all. I had a security breach in one of my previous cards in app. I do not know how they managed to pull it out from their system after I removed it. I have raised a concern 2 months ago, and they only suggested to call the bank. After I have gotten back to them that it is not a bank concern (after I have liased with my bank) rather a security concern, they do not reply to me anymore. I have sent a new request many times but they do not respond to me at all!

      0

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      Posted 19 Mar 2022
      I have recently used atome for the first time to redeem promo codes from some merchants on atome. I would say there are some merchants, but i would hope more merchants are onboarded :)

      0

      What are your thoughts?

      Posted 07 Mar 2022

      Purchased

      Atome

      [Billing] I will set a reminder to make sure the bill payment is done thru my credit card to avoid any late charges. The choices of the merchant are growing, in days to come, this app has to stay on my phone.

      0

      What are your thoughts?

      Posted 27 Feb 2022

      Purchased

      Atome

      My sincerely honest take on Atome. AVOID IT AT ALL COST. DO NOT USE IT YO MAKE PURCHASE.You will regret it.

      1

      What are your thoughts?

      Hi! Is there any way I can PM you to find out more about your sentiments?

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