PT
Patience T
1 reviews | Active since Oct 2025
03 Mar 2026, 18:43
: Review #7: 12 months later and PayJoy STILL hasn't cleared my name Review:
I am posting my 7th review because PayJoy has failed to resolve my ITC update for over a year. I returned the device in 2025, yet my credit reports from TransUnion and Experian still show the account as active. I recently received another "escalation" email (***) blaming TransUnion for the delay. This is unacceptable. PayJoy has a legal obligation to report accurate data. I am tired of excuses and empty apologies. If it concerns anyone reading my review please advise me on what to do
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Patience T's updateReviewer Update
03 Mar 2026, 18:49am now writing my SEVENTH review because PayJoy South Africa continues to fail at the simplest task:updating my ITC status. I returned their device over a year ago. I have been promised repeatedly that my name would be cleared, yet my latest TransUnion and Experian reports still show the account as active.
I received another "apology" on February 25th from Nkanyezi Mlangeni (***), claiming the delay is on TransUnion’s side. I am tired of the excuses. It is PayJoy’s legal responsibility to ensure that credit bureaus receive the correct data. Blaming the bureau after a year of "escalations" is unacceptable and unprofessional.
My credit profile is being held hostage by PayJoy’s administrative incompetence. To anyone considering their services: be warned. Even when you settle your obligations and return their property, they will haunt your credit record indefinitely.
PayJoy, I don't want another templated apology. I want a Paid-Up Letter and a confirmation from TransUnion that you have actually submitted the data.
PT
Patience T's update03 Mar 2026, 18:49
Reviewer Update
am now writing my SEVENTH review because PayJoy South Africa continues to fail at the simplest task:updating my ITC status. I returned their device over a year ago. I have been promised repeatedly that my name would be cleared, yet my latest TransUnion and Experian reports still show the account as active.
I received another "apology" on February 25th from Nkanyezi Mlangeni (***), claiming the delay is on TransUnion’s side. I am tired of the excuses. It is PayJoy’s legal responsibility to ensure that credit bureaus receive the correct data. Blaming the bureau after a year of "escalations" is unacceptable and unprofessional.
My credit profile is being held hostage by PayJoy’s administrative incompetence. To anyone considering their services: be warned. Even when you settle your obligations and return their property, they will haunt your credit record indefinitely.
PayJoy, I don't want another templated apology. I want a Paid-Up Letter and a confirmation from TransUnion that you have actually submitted the data.
Payjoy SA (Pty) Ltd's replyOfficial
04 Mar 2026, 11:47Hi Patience P,
Thank you for highlighting this issue.
I understand there may be some confusion surrounding your ITC update, 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.
I understand there may be some confusion surrounding your ITC update, 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
Payjoy
Payjoy SA (Pty) Ltd's reply04 Mar 2026, 11:47
Official
Hi Patience P,
Thank you for highlighting this issue.
I understand there may be some confusion surrounding your ITC update, 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.
I understand there may be some confusion surrounding your ITC update, 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
Payjoy