BM
Busiswa M

1 reviews | Active since Apr 2026

11 Apr 2026, 10:17

I want my credit score fixed and my details removed from your system profile

I have never been this disappointed. 15 December 2025, I went to enquire about payjoy as I needed a new device. The consultant took my details yet I was so reluctant as I only wanted to workout the payment to see what I could afford. I gave out my details and I was not interested as I discovered there was an interest.

I ended up buying a phone the following day where an interest was not required.

Thereafter, I have been getting calls asking about payments. For which phone? Which contract? I was thinking they probably have a wrong number.

Now this has also started affecting my credit score. I need this fixed. They portal are pointless they only accommodate existing customers. I am not a customer I want my details removed and credit score fixed , I do not own any payjoy device.

0
Replies (13)
Payjoy SA (Pty) Ltd
Payjoy SA (Pty) Ltd's reply11 Apr 2026, 15:02
Official
Hi Busiswa M,

We appreciate you bringing this to our attention. 

It seems there’s been some misunderstanding regarding the sale, and I apologize for any inconvenience this might have caused. 

We attempted to give you a call to address the situation but were unable to connect. Let us know a convenient time for a callback, or you can easily reach us through the PayJoy app at your convenience.

We value your understanding and are grateful for the opportunity to provide clarity on this issue.

Kind Regards,
Payjoy 
BM
Busiswa M's update11 Apr 2026, 19:38
Reviewer Update
Hi,

I am currently available Monday - Friday between 8am and 5pm.

Thanks
Payjoy SA (Pty) Ltd
Payjoy SA (Pty) Ltd's reply12 Apr 2026, 15:12
Official
Hi Busiswa M,

We appreciate you bringing this to our attention. 

It seems there’s been some misunderstanding regarding the sale, and I apologize for any inconvenience this might have caused. 

We attempted to give you a call to address the situation but were unable to connect. Let us know a convenient time for a callback, or you can easily reach us through the PayJoy app at your convenience.

We value your understanding and are grateful for the opportunity to provide clarity on this issue.

Kind Regards,
Payjoy 


BM
Busiswa M's update15 Apr 2026, 15:40
Reviewer Update
I am still waiting on a call back to have this resolved. I have mentioned the times that I am available at and no call has been received, please call me ASAP.
Payjoy SA (Pty) Ltd
Payjoy SA (Pty) Ltd's reply20 Apr 2026, 17:16
Official
Dear Busiswa M.,

Thank you for highlighting this issue. 

I understand there may be some confusion surrounding the point of sale, and I truly apologize for any trouble this has caused. 

We tried reaching out to you by phone to address the matter but were unable to connect. Kindly let us know a suitable time for another attempt, or you’re welcome to reach us through your PayJoy app whenever it's most convenient for you.

We truly appreciate your patience and the chance to clear things up.

Warm Regards,
Payjoy
BM
Busiswa M's update08 May 2026, 00:22
Reviewer Update
Hi,

It seems like you are failing to do an investigation, when you call phone rings for few seconds and you don'tattempt to call again at the later stage.

I have done an investigation for you, as you requested a receipt from the store.
- The ID number you have on the receipt is not mine it ends in 085.
- Signiture is not mine in my names I don't have letter "N".
-Bank card linked to the payment is not even mine.

Now I am giving you a task to investigate when was the sale made with unmatching information. You have every information provided to you. I have a smart ID card with my signiture showing and a picture of my card displaying the last 4 digits.

You will pay for my time, stress you have caused, funds I wasted to go to the store, doing the job for you and most importantly messing up with my credit score. Even when I am at the store your portals are horrible the sales agents cannot reach you directly.

I am sick and tired of this.
BM
Busiswa M's update08 May 2026, 00:29
Reviewer Update
The correct person is probably not getting any communication.
BM
Busiswa M's update08 May 2026, 00:42
Reviewer Update
It seems like you are failing to do an investigation. When you call, phone rings for few seconds and you don't attempt to call again at the later stage.

I have done an investigation for you, as you requested a receipt from the store.
- The ID number you have on the receipt is not mine, it ends in 085.
- Signiture is not mine, in my names I don't have letter "N".
-Bank card linked to the payment is not even mine.

Now I am giving you a task to investigate when was the sale made with unmatching information. You have every information provided to you. I have a smart ID card with my signiture showing and a picture of my card displaying the last 4 digits.

You will pay for my time, stress you have caused, funds I wasted to go to the store, doing the job for you and most importantly messing up with my credit score. Even when I am at the store your portals are horrible the sales agents cannot reach you directly.

I am sick and tired.
Payjoy SA (Pty) Ltd
Payjoy SA (Pty) Ltd's reply10 May 2026, 12:02
Official
 
Hi Busiswa M,

We appreciate you bringing this to our attention. 

It seems there’s been some misunderstanding regarding the sale, and I apologize for any inconvenience this might have caused. 

We attempted to give you a call to address the situation but were unable to connect. Let us know a convenient time for a callback, or you can easily reach us through the PayJoy app at your convenience.

We value your understanding and are grateful for the opportunity to provide clarity on this issue.

Kind Regards,
Payjoy 
BM
Busiswa M's update12 May 2026, 21:09
Reviewer Update

Yet again another automated response and a phone call on a Sunday. When exactly are you doing your job? I have once requested a callback during the week Monday - Friday, clearly you can not follow any request or instructions. My life is on hold due to your negligence, you are failing me. Can you request a footage for 15/12/2025 between 12am and 3pm and see if I took a phone with. I will be taking this further as I have done most of the work for you and you don't seem to do anything. I regret the day I enquired about your services.
BM
Busiswa M's update19 May 2026, 01:43
Reviewer Update
Today marks seven days with no response and no action. I am in a process of pursuing my career and looking for a house to buy and you are my current blocker at this moment.
Payjoy SA (Pty) Ltd
Payjoy SA (Pty) Ltd's reply25 May 2026, 09:15
Official
Hi Busiswa M,

We appreciate you bringing this to our attention. 

It seems there’s been some misunderstanding regarding the sale, and I apologize for any inconvenience this might have caused. 

We attempted to give you a call to address the situation but were unable to connect. Let us know a convenient time for a callback, or you can easily reach us through the PayJoy app at your convenience.

We value your understanding and are grateful for the opportunity to provide clarity on this issue.

Kind Regards,
Payjoy 
BM
Busiswa M's update30 May 2026, 01:42
Reviewer Update
Whenever Payjoy and staff is ready to call please do, you can not buzz call me and tell me that was a call. The buzz calls are made a minute after each other 25 May 2026 at 09:14 and 09:15, no attempt at the later stage yet in that same minute you reply here. Who is fooling who here?1

There is a lot that needs to be looked into within your business, you are not honest and transparent with your customers. I feel like no one knows what to do at this point.

The last update from 09 May 2026 still shows that I am 3 months in arrears and my credit score is decreasing drastically. You are lacking deal with ***** within your business, the nerve of deciding to use my details. None of my documents are with the company get your act together.

Even calling you back is a total waste of time and airtime, you don't have an option you just advise on online channels that are also useless. Stop apologizing telling me there has been some misunderstanding and you were unable to connect. Yes, you were unable to connect because you were not calling to reach me for feedback or discuss the account you have but to display on your end that you tried connecting.

If you can not reach me, write to me, tell me what is a way forward, what are your findings and what are the next steps. I will no longer be responding to these automated message that lacks empathy and understanding, it is becoming annoying now. I am tired reading the same thing over and over.