Affirm.com
reviews and complaints

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!