Verified: February 2026
Important Safety Warning: Beware of fake customer service numbers on Google. Scammers frequently buy ads to promote fraudulent phone numbers. Only use official channels listed below or securely within your Afterpay app.
Level 1: Customer Support (Initial Complaint)
- How to complain: Contact Afterpay’s customer support via their Help Center at help.afterpay.com to submit a web form, or use the secure messaging feature within the Afterpay App (Tap “My Afterpay” > “Help” > “New Conversation”). You can also call their official US phone support line directly at 1-833-844-8095.
- Availability: In-app digital support and messaging are available 24/7.
- Timeline: Response times vary by inquiry complexity, but you should typically wait 3 to 5 business days for an initial resolution attempt on submitted web forms or tickets.
Level 2: Formal Written Escalation & Corporate Office
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Who to contact: If Level 1 is unsuccessful, you are required to send a formal Notice of Dispute. According to their official US Terms of Service, you must email your formal legal dispute (including your name, account information, contact information, and a description of the issue) directly to their legal team at uslegal@afterpay.com.
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(Note: If you must send physical mail, address it to the legal entity handling US services: Afterpay US Services, LLC, Attn: Legal, 760 Market Street, Floor 2, San Francisco, CA 94102).
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Timeline: Allow a minimum of 30 days for the legal and compliance team to investigate and advise you of the steps taken to resolve your complaint before moving to arbitration or legal action.
Level 3: Federal Regulatory Authority (Government Escalation)
- Authority: CFPB (Consumer Financial Protection Bureau). Because Afterpay operates as a financial service providing installment loans, they are subject to CFPB oversight.
- Portal/Contact: File a complaint online at the official portal: consumerfinance.gov/complaint or call 1-855-411-2372.
- Timeline: The CFPB typically forwards your complaint to Afterpay within 15 calendar days and expects a formal, written response from the company.
Level 4: Legal Action & Small Claims (Final Step)
- State Attorney General: File a consumer complaint with your local State Attorney General’s Office. Search online for “[Your State] Attorney General Consumer Protection” to find their official website.
- Small Claims / Arbitration: If your dispute remains unresolved after 30 days of submitting a formal notice, you may file a case in Small Claims Court (if eligible) or initiate Binding Arbitration as explicitly mandated in the Afterpay Terms of Service.
Community Action: Is Afterpay still ignoring your complaint? Reply below (do not share your passwords, full account numbers, or sensitive financial data), and our community will point you to the right legal templates!