Bumper: most-reported complaints
Automated analysis of 1,701 public Trustpilot reviews published 2018-07-17 to 2026-09-23. TrustScore 4.8 from 52,886 total reviews — see the Trustpilot page. Quick answer: is Bumper legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Reviewers most often report billing errors, which accounted for 83 of the 434 identified complaints. Account and app problems were the second most frequent issue, with 73 reports. Other concerns made up 68 reports, while unhelpful support was cited in 66 instances.
How to reach Bumper
These are the contact details Bumper publishes on its Trustpilot profile, as of our last check on 2026-09-23 — phone 0800 612 0946, email [email protected], address 32 Eyre Street, Sheffield, S1 4QZ, GB.
The company claimed its Trustpilot profile on 2021-10-07, uses Trustpilot’s paid features, uses Trustpilot’s AI-assisted replies, and last replied to a negative review on 2026-09-21. Trustpilot ranks it 31 of 109 in Alternative Financial Service. We last checked this profile on 2026-09-23 and found 79 new reviews. These are facts Trustpilot publishes about the profile, as of our last harvest.
Companies House: BUMPER HOLDINGS LTD (no. 14969307), active, incorporated 2023 (3.2 years); next accounts due 2027-12-31, last accounts filed 2026-05-29. 1 current officer; 3 filings in the last 12 months (8 filings on record). official record — public register facts, not an indicator of wrongdoing; officer changes are routine in many company structures. Live Companies House status as of 2026-09-23.
Live service status: status.bumper.co.
Forum footprint: 3 MoneySavingExpert forum discussions mention this company (browse). Roughly 0 of the top, relevance-sorted search results were posted in the last 90 days — an approximate figure by construction, not a true recency count. Recent thread titles: “E: 05/06 (6pm) Win a Krombacher apron and skewer set! (TW)”, “E: 26/05 (11am) Win a Journaling and Scrapbooking Bundle (FB C)”, “Is it not time for LLoyds and BOS to return there Club and Vantage accounts to there original Terms”.
Elsewhere: 4.8★ on Google (504 reviews)
TrustScore over time
4.8 → 4.8 across 13 census measurements since 2026-08-12. Our own record, independent of Trustpilot’s display.
Reply behaviour over time
Solid: % of negative reviews replied to. Dashed: typical days to reply. Both as reported on this company’s Trustpilot profile, recorded whenever our census re-checked it and a figure had changed — the gaps between points are not equal: 2026-08-15 (100%, 0.4d) · 2026-08-20 (100%, 0.4d) · 2026-08-24 (100%, 0.4d) · 2026-08-27 (100%, 0.4d) · 2026-09-01 (97%, 0.5d) · 2026-09-04 (100%, 0.5d) · 2026-09-07 (99%, 0.5d) · 2026-09-11 (100%, 0.5d) · 2026-09-14 (99%, 0.5d) · 2026-09-17 (99%, 0.5d) · 2026-09-20 (100%, 0.5d) · 2026-09-23 (100%, 0.5d).
Severity: 20% of this company’s 434 graded complaints were classified as severe (money lost, an essential service cut off, or a problem unresolved for months). See the harm index.
1★ share of negative reviews over time
Share of 1–3★ Trustpilot reviews that were 1★
In September 2025, 83% of 18 one-to-three-star reviews were 1★; in September 2026, 56% of 18.
Counted from September 2025 onward — the period for which our capture of 1★, 2★ and 3★ reviews is complete for all three. Months with fewer than 10 such reviews are omitted.
Reviewers here waited a median of 1.7 days between the experience and publishing their negative review (535 reviews record both dates).
Measured reply time: across 568 negative reviews that received a public reply, the median wait was 0.7 days — the company profile reports an average of under a day.
Reply quality: of 568 company replies to negative reviews analysed, 28% engaged with the specific problem and 29% were generic templates.
What employees say
Employees rate Bumper 4.7★ overall from 35 reviews on Glassdoor — the inside view, kept separate from customer complaint statistics. Read the reviews there.
Review provenance: 1154 company-invited reviews in the recent window average 4.87★, while 22 organic (uninvited) reviews average 2.05★.
12% of its 1069 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.
Sector benchmark: billing errors makes up 19% of this company’s complaints vs a 13% median across 116 ranked companies in its sector.
Review velocity: 9,665 of this company’s 52,886 Trustpilot reviews (18%) were written in the last 12 months.
What are the most common complaints about Bumper?
Billing errors
83 reports · 19% of complaintssteady“waste of time - wouldn't allow me to pay with a card I select.”
The company replied on 2026-07-27: “Thank you for your feedback. We have thoroughly reviewed your payment attempts. We can see that there was a number of attempts made online to pay the deposit, however, these were declined by your…”
Our classifier read this reply as a deflection.
1 reader marked this review helpful on Trustpilot.
“Say 6month, but it's taking a payement on 2nd and then 30th... so 5 month.”
The company replied on 2026-06-11: “Hi Marcus, Thank you for sharing your feedback with us. When you received the link to set up your Bumper PayLater Plan, you had the option to choose the number of instalments as well as the repayment…”
Our classifier read this reply as a deflection.
1 reader marked this review helpful on Trustpilot.
“refused to give me the money back”
The company replied on 2026-09-01: “Good morning, Thank you for taking the time to share your feedback. We're keen to review your feedback further; however, we're unable to locate your account with the information provided. We've…”
Our classifier read this reply as a template response.
Account/app problems
73 reports · 17% of complaintssteady“Bumper failed to carry out proper ID checks causing me to be defrauded and have an account set up in my name”
The company replied on 2026-06-18: “Good morning, We’re very sorry to hear about your experience and understand how distressing a situation like this must be. Thank you for taking the time to bring it to our attention. We take any…”
Our classifier read this reply as a substantive response.
It promised: to escalate.
1 reader marked this review helpful on Trustpilot.
“It wouldn't let me pay so ended up having to defer payment and effectively take out a loan and hope it lets me pay next month.”
The company replied on 2026-04-04: “Thank you for bringing this payment issue to our attention. We're sorry to hear that you had trouble completing your payment. After investigating your attempts, we can confirm that the payments were…”
Our classifier read this reply as a deflection.
1 reader marked this review helpful on Trustpilot.
“the garage did not receive the notification that I had paid the instalment”
The company replied on 2025-06-16: “We appreciate you bringing this to our attention. We have reviewed your concerns and we can confirm that when your Bumper PayLater Plan was completed, a notification was sent to the staff members at…”
Our classifier read this reply as a deflection.
Other
68 reports · 16% of complaintsrising since 2024-12“This is not our problem, you just finish the monthly payment”
The company replied on 2026-06-12: “Good morning, Thank you for taking the time to provide your feedback. Unfortunately, we weren't able to locate your account due to a lack of information. I have submitted a request via Trustpilot for…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“kept getting yo-yo back and for to different companies who sent us straight back”
The company replied on 2026-02-11: “Good morning, Thank you for taking the time to share your experience. However, after reading your review, it appears that you are not reviewing our service. Your review indicates that you are…”
Our classifier read this reply as a deflection.
1 reader marked this review helpful on Trustpilot.
“bumper won’t do anything to help even though it’s a garage they supplied”
The company replied on 2026-07-27: “We're sorry to hear that you're unhappy with your experience and appreciate you taking the time to share your feedback. Bumper provides a payment solution that allows customers to spread the cost of…”
Our classifier read this reply as a deflection.
Support unhelpful
66 reports · 15% of complaintsfalling“This is not our problem, you just finish the monthly payment”
The company replied on 2026-06-12: “Good morning, Thank you for taking the time to provide your feedback. Unfortunately, we weren't able to locate your account due to a lack of information. I have submitted a request via Trustpilot for…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“kept getting yo-yo back and for to different companies who sent us straight back”
The company replied on 2026-02-11: “Good morning, Thank you for taking the time to share your experience. However, after reading your review, it appears that you are not reviewing our service. Your review indicates that you are…”
Our classifier read this reply as a deflection.
1 reader marked this review helpful on Trustpilot.
“they refuse to take collabroated responsibility for missold warranties.”
Misleading pricing
40 reports · 9% of complaintsfalling“Bumper keep the details of your payment plan a secret, until the day you pick your car up.”
The company replied on 2025-09-01: “Good morning, Thank you for sharing your thoughts and feedback with us. Bumper is a third-party payment service, and our details are fully transparent. Blights Motors is aware of the options…”
Our classifier read this reply as a deflection.
1 reader marked this review helpful on Trustpilot.
“I however didn’t see anything on bumper website and was not prewarned”
The company replied on 2022-06-01: “Hi, Thank you for taking time to leave us this review. We appreciated your feedback. Kind regards, Team Bumper”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“dealership told me I could pay over 9 months . When application done changed to 6 months”
The company replied on 2026-08-17: “Hi Azar, Thank you for your feedback. The number of available instalments depends on the size of your bill. Larger bills offer longer repayment terms, while smaller bills allow for shorter terms. In…”
Our classifier read this reply as a deflection.
Support unreachable
38 reports · 9% of complaintsrising since 2024-12“I’ve been waiting in a call queue for over 2 hours to change my payment details”
The company replied on 2026-04-04: “Good afternoon, I’m sorry to hear about the long delays you experienced. To help us investigate this matter urgently, could you please respond to my recent request on Trustpilot for additional…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“There is never nobody to contact.”
The company replied on 2026-09-07: “Good morning, Thank you for taking the time to share your feedback. After carefully reviewing your comments, it seems there is a misunderstanding regarding our role. Bumper is a payment service that…”
Our classifier read this reply as a deflection.
“you can't speak to a human at any point.”
The company replied on 2026-08-04: “Hi Clare, Thank you for reaching out and sharing your thoughts with us. At Bumper, our service is offering a flexible payment solution that allows drivers to manage the cost of goods and services…”
Our classifier read this reply as a deflection.
Compare Bumper with…
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-09-23.