Curt R.

I was working through the process of purchasing a sofa using Affirm as the payment option. Everything was going smoothly. I had to make a down payment on the loan which was fine. I linked my bank account, made the down payment, got the notification on my phone from my bank app that the payment was made. Then the Affirm window displayed an error saying that the session timed out and that the purchase could not be completed.

I received an email saying my loan was denied. I thought this was very strange because I was pre-approved, approved, made a down payment, then denied. Customer service emailed me back after a day and gave me what I call "politician" answers which is when someone answers your question by not answering you at all. I was in back and forth emails with them asking very simple questions. Why was I charged? Why did the order not go through? Was I approved or denied?

I needed to know this information because I needed to know how to proceed. Was my loan still good? Was I denied? Was it typical practice for them to charge a customer for a down payment then decide whether or not to approve them I was actually told I was both approved and denied! That's reassuring.

I was told it was my fault for not accepting the terms of the loan. Mind you, the first round of emails were "sorry, you were denied," then, "you were approved, then denied." Then, "you never hit 'accept' so it's your fault." I never had the opportunity to hit 'accept' because once I made the down payment, the web page said it timed out.

Now, I need to wait 7-10 business days to get a refund on my down payment which further delays the purchase I would like to make. I'm never using Affirm again and I caution those who choose to use their services. If their website fails on you during your transition, you will be made to think it was your fault somehow, you'll be charged a down payment, but your loan will be denied.

I found a job on Indeed.com which redirectedd me to JobsRadar. It seemed innocent enough. I applied. I don't even believe it was a real job any longer. I was hassled HARD to create a profile (I didn't) and I received a text from them. I texted "STOP' to stop receiving them. Then came the barrage of emails and phone calls. Unsubscribed from emails and marked as SPAM.

I called them back after another voicemail. Here's where it gets upsetting. I answered the phone and it was the prerecording for voicemails. I called back and they asked for my name and number. I didn't give it to them, but asked to no longer be called. The rep read my phone number to me, yet they asked for it? It's just little things like that which make this company seem really shady.

I asked to not be called, I got called again the next day. I worked at a call center before. I know there's a difference between a "do not call list" and being remove from the "call list." So this time I made sure to say "put me on a do not call list, and remove me from any call lists. I do not wish to be called." I repeated this very loud and clearly for the rep. Let's see if they call again.