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Affirm.com

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3.0 30 Reviews 35 Complaints
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Affirm.com Reviews Page 2 of 2

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Affirm.com I financed my peloton purchase through this company for 0% interest

I financed my peloton purchase through this company for 0% interest. The emails I got and website gave me EXTREMELY limited information about my loan and also affirms contact information. Things that I was looking for were my account number for the loan, the phone number to AFFIRM *** and also their mailing address to make a payment or add them to my banking institutions online banking platform. None of that information was included in any of the emails from AFFIRM *** after being approved for the loan or even on the website. Nor could I find any of it after I logged into my account on their website and app. I had to do an external *** search to find a phone number to call. I wanted to add them to my online bank account so I could make a payment that way. The man I spoke to said you cannot make a payment that way. He said I had to pay via their website or app or over the phone with them. I said I felt uncomfortable giving my banking account information out or even loading it into someone elses website or app. I said I would like my loan information and their mailing information so I could mail a check to make my payment. He then told me that method of making a payment is highly discouraged. I asked why and he said it just is. He then told me that he can send me the information on how to make a payment thru their app. I again said I had no interest in doing that. I told him that this all seems a bit shady and cryptic. I asked to speak to a supervisor. After a few minutes *** a supervisor got on the phone. He pretty much said all of the same things. There were long pauses and he kept repeating what I would say. Clearly, he was buying time while his computer generated his script he was to dictate. It was evident he was reading and that he had no real answers to any of my questions. He finally gave me the mailing information as to where you can mail a check to make a payment. If anyone else needs the contact information or mailing address its:AFFIRM *** While I was on hold I ***d the company and saw all of the awful reviews the Complaintsboard.com has on this organization. I am blown away that such big box stores and companies are aligning with such an entity to finance their costumers business/purchases. Something seems to be very fishy and shady about this organization AFFIRM ***. While this is my only complaint so far I felt compelled to share my opinion on this very odd lack of information they provide because something just doesnt seem right about this. Like their selling your information overseas or something.

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E. Mohr
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I purchase my airline tickets with my *** card.15 days later l find out that l have a loan with this company .l call then to clarify this error requesting a superviser.the superviser e mail me 4 months later. This company is a spiderweb l never heard about this company before is disgusting they get into my pocket without my permission. 3 billion reasons not to use affirm .

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A. Jenkins
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On December 1, 2022, I received a call from an individual claiming to be an employee of Affirm. This person was able to gain access to my Affirm account without any prior information. The inadequate security measures in place allowed the intruder to obtain my social security number, debit card details, and other personal information. They even used an existing loan on my account. I received a notification email on December 1st, 2022, at approximately 1:50 pm. I promptly contacted Affirm at 2:00 pm the same day to report the issue.

To my dismay, when I disputed the loan, the representative I spoke with did not take immediate action to secure my account or safeguard my information. Instead, I was instructed to file a dispute via email, which they said would take 3-5 days to process. Unlike typical credit card companies, which would allow for an immediate dispute and account closure, Affirm's response was lackluster.

I followed their instructions and submitted an email dispute, labeling the loan as fraudulent. After a week, Affirm responded, holding me accountable for the loan. I was shocked and could not comprehend how I could be blamed for being victimized by a scam. I obtained a confirmation number from Affirm, indicating the loan was associated with a company I had never interacted with. Upon contacting the company, they confirmed it was fraud and advised me to close my account, which I was unable to do since Affirm had already deemed me liable.

I provided Affirm with extensive evidence, including my correspondence with the company, phone records, emails, a police report, and a fraud report. Despite all this, Affirm reiterated their stance a week later, insisting I was responsible. Over 60 documents were submitted in my defense, yet each time I called, I was met with inconsistent information. My requests to speak with someone at the headquarters were denied, with the claim that Affirm was impervious to such issues and that there was no one higher to speak with.

After more than a month of relentless effort and no resolution, I am faced with the burden of repaying the $2,800 that I was defrauded of. My experience has led me to hope for the closure of this company, as it has shown a profound lack of customer protection and integrity.

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K. Macejkovic
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Worst company full of incompetent imbeciles attempting their idea of customer service. They are getting auto pay from my bank account but refuse to let me see my account online saying they need to update my phone number. It's been months. They still won't verify my account after numerous calls. I want to see how much I've paid and how much I owe. I will NEVER USE THIS COMPANY AGAIN.

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N. Beer
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THIS COMPANY IS AN ABSOLUTE SCAM! Woke up this morning to find my account overdrafted $200. I made a single payment of $150 yesterday, well they took out 5 payments of $150. I do not have any money in my account. I only owed one more payment of 150 so they took way more than I even owed. They took out $750 from my account. It even overdrafted my credit card. Now I've been trying to get this straightened out all morning and no one can help me. They can't even tell me if my money will be refunded. THEY EVEN ADMITTED ON THEIR *** THAT THEY TOOK MONEY OUT OF PEOPLE'S ACCOUNT. WE WANT ANSWERS AND WE WANT OUR MONEY BACK. Like for real, this is theft! No authorization of this on my part. I am so upset over this, how does this even happen!? Please do not do business with this company.

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Affirm.com My name is *** and I am a resident of Albuquerque, NM and a former employee of Affirm.com

My name is *** and I am a resident of Albuquerque, NM and a former employee of Affirm.com. As I sat here today, filling out job applications, I realized that I have never worked for a better company in my entire life. I know that everyone is entitled to their own opinions of this company, and that's great. However, today I felt the need to share with you all on exactly why I wish this company had never relocated, so that I may still be an employee. I began my Affirm journey in April/2018. The job seemed like it would be a little bit more than I could handle, but then it actually became the most wonderful place I've ever had the pleasure of saying "I work for them!" My husband and I have been together for 11 years, and of those 11, we have been married for the last 6 months. In October/2020 my husband received a phone call that drastically changed our lives, even more than it already has, for the year 2020! That call was to inform my husband that he would be PCS'd (Permanent Change of Station); however, since the pandemic is going on, me nor our son were able to leave with him on 12/08. After many tears and hassles of having to deal with companies and granting me temporary "Power of Attorney," and other legal rights for everything we own. My husband is 11 years older than myself, therefore, I'll be honest when I say that being with someone much older than you, since the age of 19 kind of creates a sense of laziness when it comes to the important things. Out of over 18 companies that we had to deal with, AFFIRM was the only one that did not give us any type of issues when it came to this. We were able to simple make a 3-way call, have him verify all of his information, and the agent was able to proceed as long as my husband was okay with me being on the phone call. Not only did they have no problem granting me access to the loans we have opened, but they also enlightened us about "SCRA" which is something I had been educated on, but when I got the lead position, I never really had to deal with it, unless it was simple questions. I know that this isn't the proper website to come to and brag about a company, but I simply had to. There is no FINE PRINT when it comes to Affirm! Everything is right there, out and in the open for you to decipher for yourself. Thanks Affirm, not only for teaching me SOOOOOO many things that I never learned in basic "Economic" courses, but for also making my husband feel proud to be serving our country. Contrary to these other customer reviews that I've been reading, this is an outstanding company, and I know this as an employee and customer!

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M. Kuhlman
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I have had several loans through Affirm over the past 2 years and always paid on time. I was going through a rough patch financially last fall and let them know I was going to be late with some payments. They had never reported any of my on time payments to any credit bureaus. When I was late they reported the late payments to Experian. I caught up and have paid some of them off and they have not reported any of my new payments. Ive tried talking to their customer service and they are horrible and unknowledgeable. I asked for an address to send a letter their credit department and the representative wouldnt give it to me. How can they only just report a late payments?

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H. Cummerata
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I've had so many issues with this company in the past I use to love doing business with them. Lately, I've regretted EVERYTHING. I recently went online in December to book a trip with them and immediately noticed that I was giving the wrong location as I've had issues with Sleep Inn in *** in the past and have expressed my issues through their company as well as PRICELINE. They kept my cash deposit saying they LOST it. I've made multiple trips worth more than the money I've spent trying to recover my money until I had to involve the police. Not to mention the other issues I had with them as far as being placed in multiple rooms because the rooms were filthy. As of today, I NEVER received my deposit back. Priceline gave me a coupon for my troubles. I reserved a room on December 19th for December 21st of 2022. Once I realized they have me the EXACT hotel I immediately called them. They told me they didn't see it and to call affirm whom I paid it through. I did that. AFFIRM told me it was still processing on the merchant end and that I needed to call priceline. They stayed on the phone to do a 3-way. The representatives both told me to go ahead and place another trip, and they ensured me that it would fall off. 1/8/23 I'm still responsible for it, and I NEVER stayed at that hotel. They have been giving me the worst customer service, if any. I can't get anyone with sense to talk to me. I refuse to pay AFFIRM as they are waiting on priceline, but they want their money for something I never stayed at. That's making bad business with them. Priceline is NOT trying to talk to me about this case at all. They know I NEVER stayed at that hotel. I just need my refund of $80. I paid more for the hotel they told me to change it for $121. Why would I get two hotels on the SAME day? That doesn't make sense and they know it. I will NEVER use this service again as I've been a customer for years!

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A. Quitzon
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Easy to apply and be approved. However, the merchant purchase never went through and the merchant has no record of an order being placed and is not processing any order. Affirm can not escalate the issue without an order confirmation or documentation. Trying to get ahold of customer service is frustrating. The operator does nothing to assist you and keeps repeating they need confirmation of the order. They will not escalate the issue and tell you that you will receive an email in 7 to 10 business days.

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K. Durgan
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Affirm is complicit in allowing financial fraud! They approved a $5000+ loan in my name without even a credit check or reasonable validation that I am in fact the one that applied for the loan! On 1/6/23 9:23PM I received a email asking me to confirm my email, I did NOT as I did not apply for a Affirm account. I got 2nd email at 9:26PM telling me my TickPick purchase is approved! With in minuets, I call the toll free number and reported this to the *** was empathetic and helpful and told me he would place a hold on the loan application and the account created in my name. Fast forward to 1/9/23 11:34am and I get "your loan confirmation" email. Even though I notified them with in minutes of the fraud, they failed to stop it! There's no way I would ever trust this company with any of my personal information if that's the level of protection they provide! There should be an investigation into the amount of fraudulent transaction this company processes. They have sacrificed any real fraud prevention for quick loan flip because their profits are more important than us, the consumer. They need a F rating here as Fraud seems to be their main service!

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Affirm.com I took out a loan with Affirm back in November

I took out a loan with Affirm back in November . The loan was for a ticket to Bali booked through Alternative Airlines. My flight was scheduled to depart LAX on April 12th and arrive in Hong Kong for a 15 hour layover.The the Covid-19 outbreak started in March so I decided it would be best if I didn'ttravel. Also i am a traveler of a certain age and with preexisting health conditions so with everything that was going on I decide to cancel for my own safety and because the government was saying not to travel if you didn't have to. I contacted Alternative Airlines and Affirm hoping in the midst of a global pandemic they would be more understanding. Alternative Airlines informed me that I would have to pay a $200.00 cancellation fee and a $91.00 processing fee. I then contacted Affirm for support and was told there was nothing they could do since the loan was past sixty days but then suggested that I have my doctor write ne a note advising me against travel and submit it to Alternative Airlines which I did. Alternative Airlines nor Affirm did anything to resolve this issue. Then I was told by Affirm I would just have to wait to see if the airlines would cancel my flight and hopefully they would refund the ticket. The week of my flight I was told that my flight would be cancelled I was also told by an agent at Alternative Airlines that it would take up to three months for the refund to process. I informed them that I had just read a report that the Transportation Authority was requiring that all airlines who cancelled customers flights were required to give back refunds within seven days. I was given the obligatory customer service brush off, "We will do everything we can to speed up the process but we can't make you any promises." I then contacted Affirm to see what they could do on their end only to speak to customer service representatives and their supervisors without much satisfaction. So as it stands I was told by Affirm that I will be charged interest on a loan that was cancelled, a loan that is being held up by Alternative Airlines in which I'm sure they are gaining interest on the money and there's nothing that Affirm can do. I received another email from Alternative Airlines this morning assuring me that they were working on my claim and I should be receiving it on or around June 16th but then there would be another 5-10days before it would processed. Oh by the way I had received another email a while back from Alternative stating they would be refunding me $563.00 instead of the $603. 00 the amount of the loan. Alternative nor Affirm has been able to tell me what is the $37.00 being used for. I'm extremely dissatisfied with the sheer lack of customer service I have been provided with during these very stressful times.

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Affirm.com This is hands down the worst customer service I have ever received

This is hands down the worst customer service I have ever received. I got to the hotel on Thursday after already making payments to Affirm and the payment won't go through (it's saved in the hotel's system as a credit card with Affirm under the name). I call Affirm to figure out what's happening, and they say that they can't help me, Priceline is who handles the money payment to hotels (note that during this time the agent for Affirm could not pull up my account and said his system was running slow). I call Priceline, who says they can't handle it, it should be Affirm, but maybe try Booking.com if Affirm is saying they can't help. So I try Booking.com and they also confirm that Affirm is the only one who can help with payment. I call back Affirm and they continue to say they can't help, until I'm finally able to speak to a supervisor while conferencing with Priceline (probably the only reason they finally revealed the truth) who says oh yes they are the ones who can help but their entire system is down, they have no ETA on a fix, and I'll have to wait around for 2 maybe 3 hours. At this point I had already been in the hotel lobby for 2 hours and just needed somewhere to sleep so I paid the hotel out of pocket, they said that if Affirm could get the payment through by the time I checked out then I would get a refund and it would be fine. It was not fine, Affirm never paid the hotel, so I paid Affirm and the hotel for this room. When I get back from my trip, I call the hotel and confirm that the charges on my card will not be reversed as Affirm still has not paid the hotel. I call Affirm to ask for a refund for the amount that I paid, when they were supposed to pay, and again they tell me that they can't handle payment, it all goes through Priceline. I call him on his lie and say that I already know that isn't true, I've already spoken to every party and someone from Affirm has already admitted that only Affirm can handle payment information. I ask him to put Priceline on the phone so we can all speak together to clarify exactly what needs to happen, because Affirm already put me through phone tag for hours the week before and I wasn't willing to go through that again. The supervisor (***) said he didn't have time to do that and I needed to handle this myself with Priceline because they wouldn't give me my money until Priceline gave them theirs (again, Priceline had nothing to do with the payment, they did not take money nor did they have the ability to process it). I do end up having to talk to Priceline after Affirm continues to refuse to help me and am having it escalated with them. But at this point Affirm has stolen my money and lied to me, wasting hours of my time and stranding me in a hotel lobby without any care for their fault in the issue.

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Affirm.com Buyers Beware: This company looks great on paper

Buyers Beware: This company looks great on paper. Even their representatives are helpful. But there are numerous downsides to using this particular carrier. Let me tell you my story. I purchased a suit from one of my favorite designers, Trina Trunk. The purchase came timely and monthly installments were set up from March to September with no interests. So far so good. It was not until my June payment we begin having problems. Affirm, through the app, allows you to change your payment date. My payment was due June 10. Pay day was June 11. I changed my payment of 92.22 to coincide with my pay date. On June 11 my payment was set up for automatic pay. On June 10, Affirm sent me a text message advising me my payment was due. I understood but since I changed my payment date and they allowed it, I thought all was good. Unfortunately, it wasn't on June 11, I click on the text message and paid what I thought was 92.22. Because that's what the text said I was paying. The automatic draft however took the 92.22 and the remaining balance of $263.82. I'm not a rich person and these are difficult times. If you agree to pay one amount and they draft another, they should refund it to you asap. Well according to Affirm it will take 3-5 after it post to their 3rd party payer account to issue me a refund that may take 3-5 more days. Now since this was an automatic draft they say it takes up to two weeks to get it back to you. That was problem number one. Problem number two was this unauthorized payment cost $180 dollars in overdraft fees. My bank graciously reversed $60, but said that Affirm should refund the other $120. Interestingly, after I paid the $92.22, I got an email thanking me for agreeing to pay the $263.82. I immediately went to the app to find a number to call and advise them the charge was not authorized. I got absolutely no where. The app was difficult to maneuver. When I did get to the right place, I put in 4 complaints to alert them I did not authorize the payment. I got 4 form letters, with a ticket number, that says someone will call you in 24 hours. No call. When I checked my account I was -495. Finally, I found a number for them and called them. They issued another form letter stating IF they could reverse the charges they would but it still out take 6-10 days for the complete process. And they still did not admit the error or agree to pay my overdrafts. I thought this was a great company when I signed up as many of my favorite vendors use it. But I don't care. With QuadPay, AfterPay and Klarna out there, it is too competitive to bother myself with Affirm. Warning: If after you read this post, you still decide to use this company don't ever allow them to automatically draft it from your bank account. Put a credit card on file for payment so you want ever be in this predicament. I gave them one start because there is no zero. But if there was you know what their rating would be.

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Affirm.com They'll rip you off!

They'll rip you off! Damaged my credits! I over paid on my loan. In recognizing this, after multiple inquiries, over 4 months, lengthy phone calls, if you can even find a contact number, and speaking with two representatives who even saw and inferred that my payment on my loans were overpaid, the supervisor I spoke with was telling me different. Upon reviewing my loan disclosure nowhere on there does it say that I had to pay what the supervisor was then stating me on the phone. They were saying that I still owed over $300 dollars when in fact I had paid what was on my loan agreement. The supervisor then told me that I was responsible for 18 payments, not the loan payment amount on my loan disclosure. I told her this was asinine. As the loan disclosure specifically listed what I was to pay back. She then tried to tell me that that did not include my down payment. I told her that the loan disclosure and the way it was written showed what I was responsible for which I had paid that plus some. She still continued and insisted that I owed money on my loan. Which in fact I had overpaid by $120 and insisted that I still owed over $300 dollars. The supervisor then went on to further explained that the other representatives for the company had read it incorrectly and apologize for the misinformation. However, I insisted that the way it was written on the loan disclosure did not show any amount that she was currently stating to which I owe. I had in fact paid what was on the disclosure, in excess. I also insisted and told her that the loan disclosure was a legally binding document, and nowhere on there did it say I was to pay more than what was showing. She however still continue to insist that I owed more than what I was shown to have to repay. Stating that the down payment was not part of my repayment to affirm. Nowhere on the loan disclosure does it state that your deposit is not part of your repayments. I told her that this appears to be an oversight on their *** those in charge of writing the loan disclosures. The inconsistency between what was on the loan disclosure and what she was saying were in fact complete opposites and in fact I was to pay in excess of what was on my loan agreement disclosure letter. If that were the case hen it needed to be stated on the loan agreement that the amount I was do to repay, minus my down payment, was in fact what she was stating. Due to their poorly-written loan disclosure, lack of clarity within the loan agreement, and complete breakdown of loan repayment, this company then tries to *** you for more than what you initially signed your contract for. DO NOT USE THEM! CROOKS! The supervisor refused to take responsibility for the poorly written loan disclosure and lack of information to be included in there. She continued to insist that I owed them money, despite what was being shown in my loan agreement disclosure letter.

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Affirm.com If I could I would give Affirm ZERO star rating but that is NOT an option

If I could I would give Affirm ZERO star rating but that is NOT an option. I started my process with trying to purchase phones from ting.com and Affirm was their 2nd party financing company. Affirm sent me a text stating my loan was approved for more than 3x the amount of the cost for one ***- so I felt confidant in ordering two *** A32 5G phones through Ting.com. The process wasn't as straight forward as I thought it was so I called Ting.com and their agent talked me through the process of how to order and put the phones on Affirm loan. The process only allowed me to order one phone at a time so Ting Agent stayed with me through the second transaction. Affirm told me after the first phone I had a balance left on my loan and I chose the 12 month payment plan at ZERO Interest. After I ordered the second phone the balance of course reflected that I was still working on one loan I was approved for. Ting agent had affirmed the second phone was ordered even though I had not received a confirmation email. Fast forward 5 hours I still have NOT received confirmation email for second *** A32 5G so I called Affirm who had confirmed there was only 1 order placed- I had two choices either cancel order of first phone or call Ting. So I called Ting and they confirmed that must have been a glitch somewhere the second *** A32 5G was indeed not showing up in their system. So I went ahead and ordered the second phone again. At the beginning of the process of ordering my second phone Affirm showed I still had a balance on my original loan that would cover the second phone so I proceeded to order the second phone . I agreed to the 12 month repayment plan. 2 days later Affirm sent a text to my cellphone telling me my second phone had an interest rate . I called Affirm to let them know of their mistake. Affirm told me they had NOT made a mistake my second phone was purchased on a whole new loan - even though I was told through out the entire process that I was purchasing both phones on ONE loan. I tried explaining to two people on August 5 *** my purchases had been covered under the first loan. I even explained in order to be approved for a second loan I had to give out my name, birthdate, and cellphone number and get a text message with the loan approval amount - that NEVER happened! After 2 more emails and two more people telling me I had applied for two separate loans I finally decided I'd pay off the second phone so as to avoid the interest rate they felt they deserved for deceiving m. The person who took the my information tried to add and additional 76 cents onto the purchase price claiming it was interest rate even though I had only purchased the *** phone 4 days ago! I asked to speak to a person with a brain - he informed me he could only transfer me to his supervisor . The supervisor didn't have a brain either! I hope to goodness no one makes the mistake of trusting Affirm.com like I did.

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Affirm.com Horrible, lying company and lousy customer service

Horrible, lying company and lousy customer service. I purchased a trip from Expedia through them in April , and decided that same day just to pay it off instead of being hostage to the interest. My husband was overseas on military deployment and his orders were extended so he wouldn't have made it home in time to take this vacation with us, so I canceled it with Expedia and they issued a refund November 2nd (for our transportation while there) and the 2nd part of our refund for the flights and hotel on November 6th. Unfortunately, they could only refund it back to Affirm since that was how it was paid to them. Affirm tells me that since it has been longer than 6 months, they could only issue me a paper check (even though they have my checking account info and take money from it weekly for other loans). This is annoying since it's 2021 and technology allows anyone to send money instantly to any account. So we wait. No check. We have been dealing with customer service trying to find out when they will issue this check, and we keep being told different things, but one thing that is consistent is that it will be 30 days (but the starting date is always different). I spoke with a supervisor 2 weeks ago who told me he was expediting my check, but here it is December 1st and still no check was sent. We just got off the phone with them, and yet again, we are being told 30 days. But now they are saying 30 days from November 22! It's already been a month tomorrow, and now they are (again) changing the date! The supervisor gave me a confirmation number for our conversation about expediting our check, yet they don't have any record of this for some reason. I even asked *** the "supervisor" before hanging up if he would transfer me to the expediting department because I didn't want to hang up without any information and he told me, "well, I'm a supervisor so if I say it will be expedited, they will do it..." and told they would email me when it happened and to just wait a couple days. That was 2 weeks ago and I received no email, nothing was expedited, we have made 3 more calls to this company since then, and nothing has happened except more lies and more confusion from them. They have no right to this money. They were paid off the same day the loan was taken out almost 8 months ago, so this is my money they are withholding. If I chose to not pay them, I would go to collections. Yet, they don't pay me MY money and nothing happens. Companies need to be held accountable for their actions. They would go bankrupt if they went to collections for every account and every person they decide not to refund and pay. Horrible business. If I didn't have other loans through them already, I would never deal with them again. No new loans will be made with them. And if this was a good, legit company, an actual supervisor (from this country and who knows what's going on) would contact me and make this right. But they don't. I just keep getting the run around from these theives.

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Affirm.com More businesses are becoming more about money and less care about quality customer service

More businesses are becoming more about money and less care about quality customer service.Since COVID plagued the world, there has been a spike in inflation that led me to cut costs. One of the reductions was changing my cell phone carrier through *** over to their prepaid plan named Visible. After using *** for 2 months, my iPhone 8 Plus started causing me problems, so I decided to apply for a new phone to see how much my installments would be each month. I wasnt aware that Visible, was using a financial company by the name of Affirm, and I had never heard of them before then. At first, I was hesitant because I knew this would cause them to run my credit, and I didnt want a hard inquiry on my report, which would affect my score. After thinking it through, I decided to proceed with the application but didnt get any further than entering my personal information before receiving a statement indicating an existing account? I've never heard of this company, and if there's an existing account, then what did I purchase, when did I purchase, and is there a balance because I've never received any notifications through my only email address, junk mail, call, or text about an open account with this company. They also kept posting a message saying they sent a verification code to the email address on file. Guess what? I never received those emails and they weren't any messages in my junk mail. Of course, at that very moment, I can't rest now because I'm fearing the worse in this situation, which is identity theft. If y'all are sending an email to the person on file and I'm not receiving it then what email address or phone number do you have? I'm a stable person so I don't change much info on my life. The only personal information that I've changed within the past five to six years was my cell number, but my name, DOB, SS#, and email address have always been the same. I chatted with the Visible rep, who provided limited help but verified that all my info on file was correct and suggested I contact Affirm. Attempted to contact Affirm but they don't have a convenient and easy way to contact them and suggest articles and a live chat section. This is even more frustrating because here I am nervous because I don't know if this could be identity theft and need answers from a live person but after putting in the time to find the chat section, it has complaint options already set for you to choose from, and none of them related to what I needed. I chose the complaint close to my issue and was allowed to finally type my frustration while becoming *** because there is nothing more distressing than to be in distress and having to take more time typing it in 10 min than saying it in 2 min. After all of that, it replied that if I couldn't verify the information on file then they couldn't be help me? At this point I'm helpless. I somehow discovered a contact number today and spoke with a live foreigner, which made it even more alarming because I couldn't understand him and they are some of the ones among scammers, who are known to scam. Anyway, while on the call I told the guy that I was calling because I had concerns about an account being created in my name while he repeatedly asked me for the cellphone number on file. My whole point for calling was because I never had an account but he continued to ask me to verify the phone number on file. I gave him my previous number and current number and he said those weren't correct and he couldn't help me. This has led me to check all three reports for anything suspicious. In the meantime, I'm requesting for this existing account using my name, DOB, and social security number to be closed. I never opened an account with Affirm, and I didn't authorize anyone to open an account with Affirm using my information. Also, I will be reporting back the outcome on this matter so that customers can see it and be made aware.

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Affirm.com Epic Fail on Affirm Loan!

Epic Fail on Affirm Loan! On November 29th I purchased a laptop from Best Buy using a virtual card from affirm. By December 3 I received a message from Best Buy telling me to contact my financial institution because the payment declined. I immediately contacted the Affirm to see what was going on. Unfortunately I was misinformed several times by different representatives forcing me to request speaking to a supervisor. The first supervisor I spoke to told me that I needed to call Best Buy that the money was there and they should try to take it again. I kindly ask that Supervisor to please notate the account because I had called in several times and needed some help. After speaking with Best Buy and having them try to run the payment again and again they said that I would have to wait 24 hours before they run it again and reach back out to affirm because the funds were unavailable. I then reached back out affirm and requested another supervisor once that Supervisor got on the phone I asked her to pull up my notes. She then informed me that Best Buy couldnt take the payment because they were actually trying to take too much and that I should call them and tell them that they dont need to take another $*** because the original amount of $*** was already taken on November 29. By this time I was beyond frustrated I asked the supervisor could she reach out to Best Buy and also to escalate my concerns. The Supervisor then explain to me that they do not do business with a Affirm in a manner of which they could communicate and that I would have to do all communicating. So back to Best Buy I went to explain the unexplainable without having a job with affirm. I told Best Buy per affirm they were trying to take to much money and that was why the payment was being declined. Best Buy then checked and came back and said the info Id received from *** regarding payment *** correct, that the had only taken *** and went back in to take the remainder of purchase amount and it had declined. They stated that no other amounts in the amount of $*** were on hold or had tried to be taken. By this time I was discombobulated by both companies and began to feel like helpless prey and felt Id never receive the laptop because now Im being told by Best Buy that the order would cancel the next day and told by affirm that my first payment was due on Jan 2nd. Here I am being held accountable for a loan of which I received absolutely nothing. I immediately reached back out to affirm and spoke with a rep and supervisor, my concern now was having the loan cancelled as negligence had been shown on both businesses end. Thats when Affirm stated that I couldnt cancel my loan because Best Buy would first have to refund back the $***. I felt overwhelmed! I asked Affirm how did this happen? I stated to the rep, this could all be avoided by allowing the payment to process. Again Affirm stated Best Buy is trying to take to much money. I explain what Best Buy told me and ask to speak to a supervisor as I need this issued resolved immediately. I than spoke to another supervisor who said the quickest way to get this done was to have Best Buy refund back the $*** so that Affirm could completely close out the loan. Although, I was beyond *** I knew I had to call again. Before I did I filed a complaint on Best Buy with Complaintsboard.com as I began to believe they were trying to take multiple payments as I heard this from 2 supervisors at affirm. I got Best Buy and Geek Squad on the phone the same day. Geek Squad issued me a refund that night of $***. I was able to see the refund reflecting on the Affirm portal first thing the next morning I called to have the loan canceled the rep stated that I wouldnt be able to cancel so quick as I need to give the system at least another 24 hours to update. So 1 business day later 24 hours I call and received the shock, were so sorry *** we dont know what happened it looks like they took another $37.50. I said no this cant be as I was just told by a supervisor as soon as that you guys receive the $*** they wouldnt be able to take anymore money and that I would be able to cancel the loan. Affirm states, we dont know how this happened. Youll have to call them back and get them to refund the $37.50. I explain to affirm that I should not have to be held accountable any further, as I held up to my part of the bargain Ive truly overdone myself and need some help. Affirm then explain to me to call geek squad back in affiliation with Best Buy have them refund the *** and reach back out to the dispute department with Affirm and I would not be held accountable for paying any part of the remainder of this loan. I did just that, I sent an email to the dispute department with the affirm before the payment was due giving them the reference number from the geek squad explaining to them that they had to send the refund to their back office as it was issued partially in error but they could not give me a direct refund and that it would take 5 to 7 days to hear back. I thought that this would put my payment on hold but it didnt when I called today on January 3, *** making their payment. I asked the representative did he see any of the notes did he see my dispute. The supervisor *** S stated that he did see it all, including the dispute. He stated that the dispute department requested more supporting documents or statement. I then told the supervisor that I provided them with a reference number and also let them know that I was waiting to hear from their back office over at the geek squad and that they would refund the *** it just had to come from the back office. The rep *** helpful at all he treated me as if all of this was my fault like there was nothing that I could do but pay the loan or be held accountable. I asked him to escalate my call He said that there was no one else that I could speak to that wouldnt do the same thing that hes doing. By this time I shunned him on his customer service And told him that if he could see all the notes, then he should see that this is it not my fault and would do all that he could to try and help me on behalf of Affirm. I just paid for the biggest Loan mistake of my life! The rep stated that this shouldnt affect my credit But it may affect how Affirm chooses to do business with me in the future! I said to him that this should never affect how Affirm chooses to do business with me, but rather how I choose to do business with Affirm! Btw, I just paid the remainder of a loan on a *** licensing which was bundled with a laptop purchase. When the laptop purchase was cancelled Affirmed should have closed it all out instead the allowed Best Buy in Affiliation with Geek Squad to continue to take more money for a *** Licensing which should not have been allowed as the purchased loan was only for a laptop which was bundled with a *** licensing.Then Im left with no other option but to pay as my credibility is being threatened by a Nightmare on Affirm Street!

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Affirm.com Oct 29 3:28 PM - Created an Affirm Merchant account to use on my Wordpress/WooCommerce website

Oct 29 3:28 PM - Created an Affirm Merchant account to use on my Wordpress/WooCommerce website.Oct 29 5:06 PM - Accepted an order on my website which used Affirm to transact the customer's money of $852.65 Oct *** PM - *** account ending *** to receive funds Oct 29 9:23 PM - Received Affirm's email congratulating me on launching my account/website Oct 31 6:20 PM - Accepted an order on my website which used Affirm to transact the customer's money of $98.50 Nov 3 1:10 PM - Received an email from Affirm stating they determined Affirm is not a right fit for my business to use and requested I remove Affirm from my website Nov 3 1:12 PM - I emailed affirmed asking "The pending balance that is on my account will be transferred still?" (Ticket 321368)Nov 4 5:41 AM - Received email from Affirm stating "Thank you for reaching out! Please bear with us while we look into this further. We will have additional details for you as soon as possible!"Nov 9 11:45 AM - I emailed again, asking "When will I receive my money?" (Ticket 321368)Nov 14 6:44 PM - I emailed again, asking "When will I receive my money that you are holding? Nobody has responded to me!" (Ticket 321368)Nov 14 6:57 PM - Created new ticket on website, stating no deposits have been made yet and no responses have been received Nov 17 2:41 PM - Emailed "I opened an account, and received two payments on my e-commerce totaling 950+. A few days later, I received an email from Affirm stating I was not approved for a merchant account. I have reached out multiple times to find out when I will receive the money thats being held in my account. I have had no responses about the settlements. My last email stated I would receive additional details as soon as possible, but that was on November 4.Can somebody please help with the next step to receive the money owed to me on the account?"Nov 18 5:17 AM - Received email "Our engineering team is investigating this issue."Nov 20 8:50 PM - Emailed Affirm, again.

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s. johnston
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On December 30th, I applied for a loan for a car and was denied because it showed I was in collections with affirm. After much confusion, (because I havent purchased anything in years through affirm), many phone calls to your customer care team, one of your associates told me she feared I had been a victim of fraud. She filed a case for me, and told me that someone from the fraud department would contact me in 3-5 business days to further question my claim. Well, no one called and this morning I received an email stating I was liable for this. First off, had your fraud department done their job, they would see that I have not had this phone number for almost 3 years (apparently its as easy as having the account holders phone number to get into their account), they would also see that all these purchases were initially paid for by a Mastercard that is not in my name. How do I know this? The zip code is different, I dont have a Mastercard, and I didnt receive and goods or services from the company in question. I want someone from affirm corporate to contact me and escalate this issue. I want a thorough investigation. I have a case number. Fix it.

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I. Gleason
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I attempted a purchase transaction with BJs wholesale on December 24th using an Affirm Debit card. The transaction was denied by BJs payment system. Affirms system immediately took a $110.00 down payment from my checking account. I immediately contacted them and they told me I needed to contact BJs . I advised them that the order was rejected and never went through their system. I told them I had taken a screenshot as proof. They provided me with an email to send them the screenshot which I have multiple times. I have followed up almost daily since then and asked to email proof again to which I have responded I have already sent. I have been told on multiple occasions when calling, they will escalate but I still have not received a refund of my down payment. I have asked to speak to a supervisor and have spoken to several but I still get the same response but no resolution or refund. At one point. I received acknowledgment from an Affirm CRS confirming I was not responsible for the order but they will not resolve the issue by refunding the $110. that was drafted from my account.

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M. Weber
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In September I ordered 2 iPhone pro maxs the card was never used i had to reorder the phones causing another open loan for the same products for the same amount. I requested the card that wasnt actually used to be disputed so I didnt have to pay twice for a product . Since they ended up cancelling the incorrect card and I had already processed a dispute I tried to get the request cancelled so I could pay atleast one of the loans. There has not been a resolution and every time I try to get a resolution I am given 3-5 business days and someone will reach out to me I have called 3-5 days and since this card is now past due (cant pay on it while its in dispute) not due to my negligence. They tell me its out of my hands preventing me from purchasing other desired items with their company. I stared the dispute(for original concern) in October I understand they have 90 days/2 billing cycles to come up with a resolution which they have failed to do so .

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C. Swift
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I am not liable for this debt with AFFIRM and do not have a contract with them. They failed to provide me with the original application upon request.

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Affirm.com On 05/29/22 I took a loan with Affirm in the amount of 150$, devided into 12 payment of 14$, to buy some clothing from DollsKills store

On 05/29/22 I took a loan with Affirm in the amount of 150$, devided into 12 payment of 14$, to buy some clothing from DollsKills store. When items arrived, couple of them did not fit. So started a return. When store received my items, i was not seen adjustment made to my loan by Affirm. After contacting store, and getting a reply that refund was issued, i still was not seen adjustment to my loan. I created merchant dispute with Affirm on July 9, 2022. When i created dispute i could see notice saying that cases like this usually take up to 21 days to resolve. 3 days after starting dispute, i got reply from Affirm asking for info. I sent it. Time passed by i was not getting any replies. Mind you, when dispute starts, you are unable to make you monthly payment, the option is gone from profile. Almost 4 months later (less than 120 days), i contact them asking what is going on, no reply. On 12/01/22 (150 days after starting dispute) I get email saying, that adjustment to my loan was made, hour later another email saying "my loan is charged off, due to not making payment for more than 120 day". Payment were paused by Affirm due dispute being in process! I contacted customer service (located in other countries) the same day, 1st time i got hung up on, 2nd time after 40+ minutes, i was told i have to wait for probably 1 business day for it to clear up and option to start making payments to appear. On 12/05/22 i chat with customer service, they said i can call them to make payment as system will not allow to pay it off from my account. Sounded worrisome to me to give my debit number over the phone. On 12/06/22 i chat again with another person, they said i can call them to pay, and they will not ask for personal info, as they have it on file. Today I DM'em with Affirm on Instagram, they said they sent my loan to collection and they do not own it anymore, i can call them and they will tell me where the loan went. Affirm is at fault for dragging dispute for 150 days!

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D. Kessler
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I tried to open the Affirm App and it allowed me access using my phone number xxx-xxx-xxxx. However, I could not continue with the application because when I submitted the social security number, it indicated that I already have an open account linked to my SSN. The phone number ending in 9447 and the iCloud email associated with the account are not mine. It seems someone has fraudulently opened an account using my SSN. I called customer service three times, only to receive a robotic response stating they cannot assist me nor can they block the account because, although I provided the correct SSN, the other information did not match, which they refused to disclose to me.

There is no dedicated fraud department, and they would not provide me with the corporate email or phone number to escalate my complaint. This is a serious issue as it suggests that Affirm's account verification process is vulnerable to fraud. The most disappointing part of this ordeal was being told by a representative that they cannot help me, despite this being a common problem among other customers. They advised me to contact the social security office to address the issue and report the fraudulent use of my SSN.

I feel compelled to warn potential customers to avoid using Affirm because their support team is unhelpful in cases of identity theft involving your social security number. I requested that they at least mark the open account as fraudulent, but I was informed that this was not possible. I am considering taking legal action due to the gravity of this situation. Their customer service is not helpful, offering only scripted responses. Affirm should establish a fraud management department, and their customer service staff should take these matters seriously, providing genuine assistance and guiding affected customers to the appropriate resources instead of leaving them frustrated and without recourse.

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L. Kautzer
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I ordered a coffee table as a present to my niece for Christmas from West Elm back on August 22, 2022.The talbe was $591.84. I went thru Affirm to make payments which i have paid this off on November 22, 2022.I contacted Affirm and told them that according to West Elm they had refunded the amount since my niece did not receive the table. I have not seen my refund at all. I need that money returned to me ASAP.Please help me!Thank you

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D. Wilderman
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Hi, I booked a hotel stay via booking.com using a loan from affirm.com. Affirm provided me a virtual card to use for the reservation. The hotel details are as follows; however, the confirmation number and pin, as well as the specific dates in July, were provided. When I arrived at the hotel, the front desk informed me that the card provided was declined. Consequently, I used my own debit card to pay for the stay.

Right after we arrived in our room, I called booking.com to report the issue and they mentioned sending an email to the property to confirm that the virtual card was never charged, but I suspect the property did not respond. Despite this, affirm.com is still charging me for the amount of the loan. I opened a dispute with them and have been following up frequently. Three days ago, I checked my Affirm account and noticed the loan had been charged off by Affirm without any update on the status of my dispute. I contacted their customer service, and they informed me that the loan would be transferred to a collection agency. They explained that the dispute was closed because the merchant, booking.com, had not responded. The customer representative said he is reopening the dispute, but I am uncertain about the outcome.

I have maintained a clean credit report and am concerned about the potential impact of this issue. I am hoping for assistance in resolving this matter. Thank you very much.

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K. Hermiston
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I am not liable for this debt with AFFIRM and do not have a contract with any collection agency . They do not provide me with the original application like I asked Proof of copy of original application that includes my signature, Full payment history from original creditor, original agreement showing they can legally collect the debt . If cant proof all 3 delete this account from credit report as soon as possible!n that includes my signature, Full payment history from original creditor, original agreement showing they can legally collect the debt . If cant proof all 3 delete this account from credit report as soon as possible!

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Affirm.com I got scammed for purchasing something that had false advertising, after contacting the merchant via Instagram dms (our only form of contact)

I got scammed for purchasing something that had false advertising, after contacting the merchant via Instagram dms (our only form of contact) they stopped responding to me and blocked me. They never answer their phone or email. Upon doing more research, the establishment does not exist. There is no place under that name at the address they claim to be at. They do not have a website. I made the $249.39 purchase through Affirm. Since the merchant is clearly no help, I called Affirm and opened a dispute. After about a week, I finally received an update from Affirm via email stating that they took the merchants side with this. I genuinely cannot even imagine what kind of proof that fake establishment could have given Affirm to make them agree with them. I am not sure if they photo shopped my name onto a fake schedule trying to pretend like I got the procedure done or what, but I am now paying for some thing that I have never gotten done to an establish meant that literally does not exist. I have all of the proof to show this as well, and I sent it all to Affirm. I have probably spoke to 30 different agents, every single one of them there is a language barrier, so it is very very hard to explain my issue. I have to go into detail every single time and all the phone calls are at least 45 minutes long if Im LUCKY. I never get any updates from Affirm unless I go out of my way to call them again or I have to resubmit all of my evidence again because every time I call Affirm, each agent tells me something different, saying that they cannot see all of the evidence that I have sent in MULTIPLE times now. This has been an absolute nightmare for me, I cannot believe how much evidence I have proving that I never got this procedure done and again, THAT THE ESTABLISHMENT DOES NOT EXIST, and Affirm STILL has been 0 help. I am literally losing sleep over this because this is a big purchase for me. I do not have $250 to just to lose. I am extremely upset over this and so tired.

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B. Bahringer
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I had flight trips cancelled due to the issues with a certain airline from December 22, 2023, to December 26, 2023. I was scheduled to fly to a specific destination and reserved a car at a particular agency. I made my reservations through Priceline and chose to make my payments in installments using Affirm. When my flights were cancelled, I contacted Priceline and cancelled my reservations. I've received confirmation of the cancellations with Priceline, but Affirm is still billing me for the items. I've reached out to their customer service, submitted documentation, and they still have not resolved the issue. I'm being told that it could take up to 15 business days for them to conduct an investigation and that I would need to make payments on the items that were cancelled until a decision is made. I informed them that I will not pay for items that were cancelled. The first payment is due on January 19, 2023. I'm not paying for items that were cancelled within a reasonable period.

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S. Hill
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Loan: 33EL-YENU
Date Obtained: 1/6/23
Packages Purchase Amount: $6,338.30
Loan Amount: $6,338.30
APR: [Annual Percentage Rate not provided]
Term: 6-Month Installment Loan.

Affirm, Inc. has not been responsive to my situation. "I cancelled my order with Expedia in the amount of $6,338.30, and Expedia sent me all the cancellation documents, which I forwarded to Affirm. I even opened a dispute incident and they escalated it, but Affirm has still not removed the loan from my account. They are planning to charge me $1108.60 per month for something I cancelled with the merchant."

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R. Torp
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Loan: 33EL-YENU Date Obtained: 1/6/23 *** Packages Purchase Amount: $6,338.30 Loan Amount: $6,338.30 APR: 16.75%Term: 6-Month Installment Loan Remaining Balance*: $6,341.24 "I cancelled my order with Expedia in the amount of $6,338.30, and Expedia sent me all the cancellation documents, which I forwarded to Affirm. I even opened a dispute incident and they escalated it, but Affirm has still not removed the loan from my account. They are planning to charge me $1108.60 per month for something I cancelled with the merchant."I uploaded all the conversation screenshots, and the emails Expedia sent me which proofs my order was cancelled. Please Help

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A. Kreiger
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On or about September 10, the airline refunded my ticket purchase for a cancelled flight. The ticket was purchased using Affirm. I've called multiple times. Last month, they said my case had expired the 60-day refund window, but I've provided evidence that a case was started on October 27. Yesterday, January 7, I was given a convoluted explanation that since my purchase was made with an Affirm virtual card, Affirm would have to initiate a dispute with the bank of that card and that dispute window is 120 days. Yesterday happened to be the 120th day, and it was too late. I've spent hours on this if you include hold times. Meanwhile, I am still having to make payments and accrue interest. It's frustrating as the customer service agents are just following a script and indifferent to my concerns, and when I reach a supervisor, they don't follow through. I wish Affirm to declare the loan refunded and for me to be free of future payments as well as a refund of the payments I've made.

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Affirm.com I dont mind paying what I owe, even if there's interest

I dont mind paying what I owe, even if there's interest. What I won't do is continuing paying on orders that have been zeroed out - everything returned and refunded - $0 balance.First off, I can't upstand which order is which/what Affirm loan goes to what Amazon order. When I get a refund, I literally have to search through each loan with Affirm, for exact/matching refund amount. That's crazy!When I find the return(s) that should say zero balance due (refund issed), because I had returned the whole order, Affirm has is looking like I still owe payments. Affirm is placing these refunds just anywhere. In fact, I see a billion different Affirm loans. That doesn't make sense. I'm trying to tell Affirm that this order has 1 item and it's been returned. Or this order has 5 items and all items have been returned. So, where's my money? It's as if I'm in a never ending "payment due" with Affirm. They're stealing my money. They're keeping money that I've paid, when I no longer have the item. In fact, not only are they keeping my money, but they're still charging me as if there's more items in the order(s).This is what I don't like. This is what I had called them several times to complain about, asking them to fix this. This is what I had to eventually make a dispute about with them. All to no avail. So here I am at Complaintsboard.com. I'm hoping that you can fix this. Of course, my resolution for this is refunds! I would've never returned items/orders, if I wasn't going to get my money back.I have screenshots of different RETURNED AND REFUNDED items/orders from Amazon. I also see some refunds are still in the "pending" state. There's just too many to insert in my Complaintsboard.com complaint. It'll be easier to give the Amazon order numbers/items returned/amounts refunded or pending.Even doing that is a lot. But, I can do that, if needed. We'll, I'm sure I need my verification. For the record, Affirm loans doesn't match up with the Amazon orders and of course, it's not matching up with my refunds.

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Affirm.com This has been an ongoing issue with Affirm and their connection with ShopPay

This has been an ongoing issue with Affirm and their connection with ShopPay. I have used Affirm and ShopPay many times with no hiccup. The problem arose when I shopped on Instagram in my Pet Account associated with the email make4mutts, rather than my main account associated with the email lipcandie1. As mentioned I have shopped previously under both accountsn and only recently in September had an issue thathas yet to be resolved. In fact everybody keeps claiming there is no problem, that I am approved and they will fix. All lies and nobody has attempted to correct the issue at hand. Facts: March 20, 2022 I purchased from Wear *** and then August 12, 2022 I shopped and ShopPay automatically linked me to my makeup4mutts This was done through my clicking on an Instagram *** and purchasing with Rifruf.September 12,2022 I purchased from SurferCat through pets instagram account again only this time on an extended payment plan. I believe this is where the issue arose. This account is linked to makeup4muts, but I was never informed of these changes. I had also shopped and purchased with other vendors with my Insta acct associated with lipcandie1 email. These were always paid off before a new acct opened. Fast forward to end of Sept I try to purchase with Dollhouse (my business products that I have used shoppay before in March) linked to my lipcandie1 email & denied saying cant confirm my identity. My affirm shows lipcandie email. *** shows lipcandie1 but after many many calls I learn shop pay has me as makeup4mutts now. They refuse to fix it. They claim they approved loans. Affirm claims they never denied & have approved. Sept 28, case opened then told they would escalate then closed same day. *** Nov 5 case *** opened & closed with nothing done Nov 5 again escalated new case *** assured after had me download app that I cant change email myself and IT has to. Nov. 8 closed saying approved yet still being denied. 2 hrs on calls & not fixed.

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Affirm.com On March 10th, 2022 I booked a rental through Priceline for my trip

On March 10th, 2022, I secured a rental via Priceline for my travels. Affirm approved a loan of $444.00 for me. At my destination, I visited Hertz, which partners with Priceline. They offered a promotion for a Tusla at $158.20. I mentioned my Affirm loan, but the Hertz representative suggested using my credit card instead. I complied and was charged $158.20 on my Amex. Later, Affirm informed me of an upcoming charge on my card. I reached out to Affirm to clarify the situation, as I had followed Hertz's advice. Affirm claimed they had sent the funds to Priceline, so I contacted Priceline's supervisor, who was unaware of the issue. Subsequently, Affirm reported me to the credit bureau. I provided evidence to my creditor that my card was charged, and the loan was untouched. Despite this, Affirm insists their information is accurate. My attempts to resolve this with Affirm have been fruitless. This wrongful act has damaged my credit score by 60 points. I am considering legal action to rectify this situation. I possess all relevant documents, including my Priceline confirmation and Amex statement, to support my claims, yet the company remains uncooperative.

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Affirm.com On August 23rd 2022 I ordered two swimsuits from BoutineLA using affirm (shop pay)

On August 23rd 2022 I ordered two swimsuits from BoutineLA using affirm (shop pay). I had issues with the merchandise so I returned it to the company. The company never registered the return with BoutineLA so I ended up having to dispute it through my bank because when I tried disputing it though Affirm, I was told on the website it was too late. It was 4 payments of $19.50 that I disputed through my bank and the bank settled it out. I am now showing a past due payment on Affirm because they kicked the last dispute back from my bank. I called affirm and was told to submit a dispute for the charge, again I told them the website would not allow me to so they entered it for me. I was told I was going to receive an email to reply to with proof of the dispute claim I am making, so I waited on the email that never came. I call Affirm back up on November *** am told an email to send the proof to since I never received the email to reply to ([protected]@shop.affirm.com). I send the proof and still I don't hear anything so I call back again on November 28th and I am told no proof was ever received and told to send it again so I sent it again. I called again on December 2nd after still not hearing anything and am told 1. they did not see any "proof", then after saying "oh I found it!" I was told "we have 90 days to review the case so you will just have to wait". I called again today, December 28th, to ask for an update and still no one is able to tell me anything about this case. Every time I send an email I receive an email back saying I will hear something in 1-3 business days and still to this day I have not heard a word about this case. I am making such a big deal because I do not want this to get charged off and effect my credit for merchandise I already sent back to the company and they received back in September. Affirm does not seem to be taking this dispute seriously and every time I call to get even an update, I am met with no one knowing what is actually going on.

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Affirm.com About two months ago I received several text messages about account purchases I have had several previous accounts with Affirm over the last few

About two months ago I received several text messages about account purchases I have had several previous accounts with Affirm over the last few years and do not have one currently. I contacted firm told them about the messages I was receiving and that I did not have an active account the gentleman on the phone confirmed I did not have an active account said somebody must have missed keyed my telephone number as their own on a loan and he would release my phone number from the other account and I can re-enter it on my app. I re-entered it on my app and assumed it had been fixed I then attempted to make a purchase from *** 11/7/22 and was told it was giving them a message that I had to call them in person to get the approval done. I called they said the issue was with my phone number and they had to have the number released I told them about the previous contact and they said that it already been done. I requested a manager and the manager said the issue would be resolved in four days and they would contact me back. No contact received, Monday of this week I called them again and attempted to complete my order and again encountered the same problem with my telephone number. I called talk to another person he said it should be resolved but he would escalate it once again and I would probably still receive an email the next day that it been finished. Today again I contacted them and it still has not been resolved I asked to speak to to the department in person and to provide whatever identification was necessary so I could fix the issue and complete my transaction. I purchased the item I was after on my credit card and was told by the vendor they could charge my card back and re-charge it to a firm based on the firm statement that it would be fixed in four days. I am now almost out of time to charge this to Affirm and get my card refunded and Im getting no resolution from a firm to resolve the issue and establish this account with them. Getting a run around

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Affirm.com My complaint is about how affirm handled my case, the resolution they came up with, how long it took for them to make a decision, and how many

My complaint is about how affirm handled my case, the resolution they came up with, how long it took for them to make a decision, and how many departments and emails I had to send in order to get a response. I filed a dispute on 7/28/22 because the merchant I tried purchasing tires from online sent my order to the wrong address which *** filed another complaint about on a separate case with the Complaintsboard.com. I sent proof to affirm per their request proving I never received the items I ordered, for 4 months affirm basically ignored all my messages. In the end they are holding me responsible for paying the loan on an order I never received. Theyre saying CarID (the merchant) is issuing me a store credit for the order? That is not right. If a customer placed a an order online and uses the loan option at checkout but the customer never get the order, the merchant should cancel or refund the customer and the loan company should close out any money owed because nothing was ever given to the client/customer. Instead *** is allowing CarID to give me a store credit which means Im still responsible for paying the loan. This makes no sense and seems like a scam. Let me say that again Im being given a store credit for an order that I never received. an order that I tried canceling, and have been trying to get refunded for 4 months. Affirm closed my dispute in favor of the merchant because the merchant is going to give me a store credit. Which by the way I still havent received anything.I want my loan closed and my order refunded. I shouldnt have to pay anything to anyone for something I never received. This should be illegal to do to customers. I have more documents proving I never received my online order if you need more documents dont hesitate to ask. This has been going on for 4 months, Im tired of dealing with it I just want my refund which I feel I should have been given a long time ago considering I never even got what I ordered.

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Affirm.com On November 29 I received a phone about my Affrim account and possible fraudulent activity

On November 29 I received a phone about my Affrim account and possible fraudulent activity. I was inform that some one created a virtual card with my account and that it was connected with a phone that I don't own. I was instructed by the person on the phone in order to prevent the charges from going through I must move the money may to my phone by creating another virtual card in the amount of *** a one time verification to my phone I went through the process. Once the call was over I decided to call the Affirm customer care line to confirm the call i just received was legitimate. Once on the phone with the fraud department they confirmed that they call I received was fake and that the virtual cards had been used with *** and Paypal, which i told them I had made any purchaces with either of those places. He inform be he would open an investigation, and i would be contacted with 3-5 business days. The very next morning I received an email from Affirm stating that I would be held responsible for the two virtual cards. I then call them back and spoke with another rep and was told to wait 24 hour because the cards were still "processing" and nothing could be done until the fund clear with the merchant, which I was told to cards under the merchant name of Cancel. December 2nd i get a notification that the fund had been processed, so I called Affirm back to find out how and why I would be held responsible for these virtual cards. At this point I asked to speak with a manger. The manger said that I would have to complete an affidavit with a signed written statement explaining the event along with a copy of my drivers license. She went on to say that the investigation would take up to 30 days to complete. I completed the affidavit and emailed it that day. It currently December 5th, and I just received and email from Affirm stating I'm still accountable and the decision is final

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Affirm.com Hello, I purchased tickets for a concert on 06-27-22 through the company Affirm in the amount of $531.00

Hello, I purchased tickets for a concert on 06-27-22 through the company Affirm in the amount of $531.00.The date of the concert was scheduled for 08-20-22 @ 1:00 pm Event: Freestyle Explosion located @ *** in ***, . I received an email from the company Affirm on 06-28-22 @ 6:39 pm informing me "my loan was processed with Ticketmaster and the money had been transferred to Ticketmaster. I need to contact Ticketmaster to obtain my tickets. I was provided with a Loan# 1YYT-4BZW for reference. I contacted *** provided them the loan number and my name I was told by Ticketmaster "they have no record of tickets under my name". I called Affirm company back and informed them they have no record of my tickets, from this point on I have been going back and forth with Affirm and Ticketmaster. I spoke with numerous representatives, and they keep telling me "The money was sent" and I am still responsible for the loan". I never received any tickets, I did not attend the event, and no one was able to help me resolve this issue. This has been 5 months of no help, I explained to the Affirm company "they must have a bank reference for the money transferred or is it fraud?", I received an email this past weekend on 11/19/22 from Affirm informing me "they further looked into my dispute and now see the tickets were through a different company not Ticketmaster. I need to contact Universe tickets". I emailed the new company, and they were able to confirm the tickets were purchased through them". They never contacted me, emailed me the tickets either.As of today, I have been informed by *** they will not issue a refund for this event, and The Affirm company has informed me "I still need to pay the total amount of $531 for the tickets". How is this fair to the customer? I have contacted *** for the last few months to get this resolved and I was given the wrong information, I never attended the event, it has passed. This was the fault of the Affirm company.

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Affirm.com I bought a wig through Wig.com and used Affirm to pay for it

I bought a wig through Wig.com and used Affirm to pay for it. I returned the wig for a refund. I received an email from Wigs. com (also doing business as Beauty and *** Client) that my refund in the amount of $200.35 was processed on 11/1/2022. On 11/03/2022, I received an email from Affirm that my refund of $200.35 was refunded. As of today, 12/02/2022 I have not received the refund. I have contacted both companies multiple time and they always refer back to each other. I paid Affirm $212.25 which included the shipping. Wigs.com did not refund the shipping and Affirm states they won't release my money until Wigs.com refunds them the extra $11.90, the cost of the shipping. Wigs.com said they've refunded the money that was owed to me. I just want my $200.35 back. They can quibble between themselves about the $11.90. I paid all of it and I can't understand why I'm the victim in this since I did what I was supposed to do. I would like to get my refund and get this matter resolved. Hello ***,Your refund was successfully processed to your Affirm account in the amount of $200.35 on 11/1/22. Please allow 3-9 business days to see this amount reflected in your account. In the event you do not see it reflected in your Affirm account please reach out to the Affirm company.We regret any inconvenience and hope you were satisfied with our service. We strive for excellent customer service through our expert help.There are licensed cosmetologists on staff ready to assist you. If you wish to speak to us directly, please call *** (outside the U.S., please call ***) Monday through Friday, 8:00AM to 6:30PM Central Time.Your refund is here!Wigs.com has processed your refund, and we've applied the full amount to your balance.StoreWigs.com Refund amount$200.35 Remaining balance$11.90 Your remaining balance consists of any shipping or restocking fees. To see details, please sign in.Have any questions? Just reply to this email, or find answers in our Help Center.Thanks! The Affirm team --

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Affirm.com I placed a order for 4 yards of white beaded lace fabric for my daughters wedding dress from the merchant ARKANGELFABRICS.com

I placed a order for 4 yards of white beaded lace fabric for my daughters wedding dress from the merchant ARKANGELFABRICS.com. Order #*** for $399.96 using Affirm (Loan ID: *** as a protected source of payment with a deposit of $100 coming out of my back account on June 14, 2022. Before purchasing the fabric, I wanted to reach out to the merchant to make sure the fabric was the right color. The merchant did not have a phone number listed on their website so I found their business page on *** and messaged them on there on June 14, 2022. The merchant sent a response stating the fabric was the correct color. They advised me to place my order and if It was not the right color I could return it for a full refund. On June 16 I messaged the merchant on *** again to get my tracking number and they responded that the fabric would be shipped on Monday June 20. I sent a message via *** messenger on June 21, June 25, and again on June 27 asking for the tracking number and I did not receive a reply to any of those messages but the messages show read receipt. After never receiving my merchandise, I filed a dispute with AFFIRM on June 25, 2022 which included the order confirmation email and screenshots of the *** correspondence. I received a response from AFFIRM on July 28, 2022 that the dispute is pending. I also placed a dispute with my bank for my $100 deposit. After the bank was unable to contact the merchant I was refunded my deposit by my bank. I received this email on December 10, 2022 from AFFIRM Upon reviewing your loan with ARKANGELFABRICSIN, I can see that they charged Affirm on 6/17/22 for $400.00. Refunds are subject to the merchants policies and our dispute process ultimately relies on the nature of these policies. Please note that we do require specific evidence from the merchant showing that your loan is due a refund, with a specified amount, before were able to process any refunds. Thank you for the screenshots of communication with the seller and your order summary provided for your order #*** with ARKANGELFABRICSIN.Unfortunately, theevidence you have provided did not include any information of a specified amount to be refunded.We were unable to determine that this loan is eligible to be refunded and as such, we are not able to take further action at this time. You remain responsible for your loan unless the merchant issues a full refund.Please note that Affirm simply manages the financing of your purchases. Please understand that we are unable to override the merchant's policies to process a refund towards your loan. If you would like to work with the merchant and carrier directly on getting a refund, please contact them for the missing item.

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Affirm.com On 7/26/2022, I ordered a Thule Transporter Combi Hitch Cargo Box from The Stray FCEGLOBAL LLC

On 7/26/2022, I placed an order with The Stray FCEGLOBAL LLC for a Thule Transporter Combi Tilt-Down Hitch Cargo Box 665C, which cost $329, and I chose to pay with Affirm. After ordering, I doubted the low price, lack of tax, and Affirm being the sole payment method. The company's website and confirmation email seemed minimal. Online research suggested the company might be fraudulent. I contacted them the same day for a refund and received a prompt email promising a refund within 24 hours, but that was the last communication from them. Subsequent emails to the company were undeliverable, and they provided no phone contact. I opened a case with Affirm due to the lack of response and the absence of the product. Affirm took from 8/17/2022 to 10/12/2022 to resolve the case and issued a refund. However, this issue negatively impacted my credit report, which Affirm has not corrected despite my efforts. I request that Affirm remove this from my credit report to prevent further damage.

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Affirm.com I utilized Affirm.com well I used their mobile application on IOS to purchase a flight with Gotogate in 12/21

I utilized Affirm.com well I used their mobile application on IOS to purchase a flight with Gotogate in 12/21. I was unable to take the trip as I had Covid-19.I tried many times to reach Gotogate. I was given the run around and they did everything they could to avoid cancelling, to change, or even refund me for the flight. I contacted Avianca Airline with Gotogate on the line. *** tried to lie and say they were not able to refund me or cancel the flight. *** advised Gotogate to obtain the needed documents (cancellation email ,covid-19 test results, and the refund request from Gotogate). No one from Gotogate reached out to me, I made several attempts to reach someone when I did I was advised to wait for the email which never arrived. Fast forward I reached out to Affirm to request a refund and was informed to reach out to the merchant. I informed them I have done that. Time goes by and I received a collection call from Affirm. I explained to them why I feel like I do not need to make any more payments. I was told I could initiate a dispute with Affirm and with my back. I submitted the dispute on 10/19/2022. I was told the calls would stop, a halt would be placed on the payments while the dispute was in process. 10/24/22 I received a call I explained to them with the previous person said. I also informed the gentleman that I was unable to submit all of the documents for the dispute via the app. He sent me an email, I responded with all of the documents and I was informed to wait *** business days. Time passes and I call for an update. I was told to wait an additional 3-5 business days that passes. A collection person called and I asked for an update. I was advised to wait another 3-5 business days. The Thanksgiving holiday passed. Black Friday I was told I need to make payment before they charge my account off on 12/26/2022 and send it to a collection agency. I would told I needed to make payments until further notice. I received another collection call and I asked for an update. I was told a notification would be sent to the team that was handling the dispute but a timeframe for a resolution was not provided. I asked for a manager and spoke to ***. He said the dispute should have been filed within *** days. I explained I was not aware I could dispute the transaction until his representative explained it to me in October. He proceeded to say you still need to make the payments until the dispute is resolved and if it is approved we will refund you what you have paid. He said the dispute could take up to *** to continue to reach out to the merchant I explained to him I did not know their policy, I have tried reaching the merchant without success. Now Affirm is giving me the run around and just asking for additional time when I was told several times it would take 10 -15 business days and an additional 3- 5 business days 2-3 times. I do not want a service I was unable to use to affect my credit and I want my money that I have paid thus far back $381.68. I don't think my request is unreasonable given the circumstances. I did not know I would get Covid and definitely did not want it.

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Mar 28, 2024 9:27 am EDT
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Got a email from Affirm today saying my loan had been approved. I didnt have any balance with affirm nor was I planning on ordering anything from them. Check my account to see a $6,144 balance on my account. Try to get ahold of them is like pulling teeth. I need this off my account before it affects my credit.

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Oct 09, 2023 12:35 pm EDT
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On 10/28/22 I made a purchase using an Affirm loan #D03T-68NH. I paid $76.59 on 10/30/22, $76.58 on 11/14/22, $76.58 on 11/28/22, and $76.58 on 12/12/22 to Bird Innovations for a smart bird feeder with a solar roof and additional attachment with complimentary November shipping. On 12/7/22 I reached out to the vendor Bird Innovations via email because I had not received the smart bird feeder with solar roof and additional attachment with complimentary November shipping. I received no reply. I contacted the vendor Bird Innovations again on 12/11/22 and 12/14/22 and still got no reply. In my last message to the vendor, I stated I wanted a refund if I did not receive the item by 12/16/22. On 12/17/22, Bird Innovations responded with a tracking number and an estimated delivery date of 12/17/22. When I checked the tracking number, it showed that the number did not exist. I called the customer service number, who directed me to Shop Pay. Shop Pay then redirected me back to Affirm. I spoke to someone at Affirm on or about 12/29/22 who advised me to file a dispute with my bank. I filed a dispute with my bank, who issued a provisional credit. I provided evidence to my bank, who ultimately investigated and determined that I should receive a full refund. From January to February 2023, my Affirm loan for this item was showing as 'late.' I called Affirm multiple times, and they stated there was nothing the agents could do for me because 'they are only the loan company and I have to pay the loan.' I finally had one agent tell me to open a dispute in Affirm's help center, which I did. I did not receive any more information from Affirm about my dispute until March 20, 2023, when I noticed I was in collections. Upon opening the dispute in the help center, it appeared my information and evidence were never reviewed and were deleted. The reply from the agent doesn't match the information I've provided. They closed my case without investigating. I called again for help on 3/28/23, and the agent said he could only enter a note and then hung up on me.

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