I received a refund for $80 from wayfair that was to be credited to my katapult account. It is not reflected anyway and they are acting like they cannot get into contact with wayfair to correct this. I am also being charged a 65% interest rate after never agreeing to that or being notified of it. I will only be paying what I owe or nothing I am so furious about this scam. Cannot believe wayfair is associating with this company. They say I can access my agreement but there is nothing but an error message.