I can't even create my account because I had a phone number change and the guy who previously had my number already has an account set up with the current phone number. This is absolutely ridiculous. These companies should use emails to open accounts NOT PHONE NUMBERS BECAUSE PHONE NUMBERS CHANGE MORE FREQUENTLY FOR DIFFERENT REASONS. Horrible set up. Stupid company. Klarna at least let me change my info but this and after pay didn't and they are putting other users at risk!!!