Affirm

I have spent thousands with Affirm, and one loan was canceled 7 minutes after placing it with Expedia. I was given a partial refund, so I disputed this with Affirm. I ended up getting my full refund after 2 months. During this 2 month investigation, the loan was frozen. They reported to Experian that I was late paying even though this was refunded. I have been fighting this for 5 months for something that shouldn't have been an issue in the first place. Customer Service has been an issue. Copy and pasting with different company names in the responses and refusal to help.

I had no problems for approximately a year and a half, and then, sometime in December 2024, I was suddenly unable to log in to check the status of my loans or to use Affirm as an alternate payment method on Amazon. I have repeatedly contacted their help centre and keep receiving responses telling me how to update my phone number, which is not what I'm trying to do. I'm using the same phone number I've been using for the past two years, and have used without issue both on the Affirm app and on the site, as well as on Amazon. There's no option to log in with an email, and when I attempt to log in with my phone number, I'm directed to update my phone number or log in. This goes on and on for as long as I feel like playing. Customer service is of no help, and left me sitting on hold for 20 minutes until my phone died. This, after I confirmed all of my information, including a previous address that's two years old and has literally nothing to do with this current issue.
I've sent tickets in and they've been closed -- marked as "resolved", when the situation has clearly not been resolved. One response was that their technicians or whoever had no idea what was going on and no timeline for when it would be resolved. But they marked my ticket "resolved". So far, there are no unauthorized payments coming out of my bank account, but I now cannot access my loan information to find out how much I have left to pay, when I'm expected to pay it, or even to pay early.
I initially strongly recommended this payment option, especially since Amazon stopped offering the option to pay over time, but now I will absolutely warn people against it.
I want to close my account, but first I need to find out where my loans are at and how I can pay them off. Can't do that if I can't log in.
This is infuriating and frustrating.
If I were trying to update my phone number, I would have called them as advised on the site. All I'm trying to do is log in with the same phone number I always use. I don't know who operates the IT side of this company, but they're not doing their jobs.
I feel my only option at this point is to change bank accounts, which is pretty crappy of Affirm.

You would think if one is a constant paying user they'd be eligible for purchase power always….
Not case
Continue to deny even when you pay as you go and complete payments before agreed timeframe of loan!
Just horrible option people!
Use Afterpay
It's much more credible

In my opinion, with my experience from the company, Affirm, they are a "Theft by Deception Company."
Warning: Affirm is a fraudlent company, and lures customers through these large companies, as if they are offering the consumer a better way to pay off your purchases in the long run. Negative: They will charge you for purchases you did not make, and never do you get the same customer service agent, but they same message. You have no help when any errors occur, on their part.

As soon as you start a loan the problems start. Loans not linked to payments. Appears they want you to lose track of what you're paying for. Contacting them is useless and almost impossible.

IT IS SOOOOO EASY TO ACQUIRE CREDIT WITH AFFIRM, BUT VERRRY DIFFICULT TO CLOSE AN AFFIRM ACCOUNT. I HAVE BEEN TRYING FOR 6 WEEKS TO CLOSE MY AFFIRM ACCOUNT. I HAVE FOLLOWED ALL THE INSTRUCTIONS, TALKED WITH 3 REPRESENTATIVES, AND ALL I AM TOLD IS THE ACCOUNT CANNOT BE CLOSED AT THIS TIME. I NEVER USED THE ACCOUNT, UNFORTUATELY OPENED BY MISTAKE.
I AFFIRM THAT ALL STAY AWAY FROM AFFIRM!

I didn't use affirm or any of the other buy now pay later until special occasions, I went to the affirm app and my account on December 27th was closed for unknown reasons, as far as I can see it's as bogus as klarna that use companies you can't contact to return an item. But they want payments.

I recently used Affirm to purchase a new home office chair. I've been using Affirm for several years, and have never had any issues with the payment information I set up over 8 years ago. I recently contacted them to notify them of an issue with their system when repeated attempts to make payments continuously failed. I even talked to my bank, who confirmed there are no issues with my account and nothing blocking my payments on their end. Their conclusion: The merchant is experiencing issues. I was running into issues which were resulting in 5xx errors, (I did not manually enter any of the information myself, only confirmed information provided by their on-screen options.) and my payments were disappearing completely from their system within 24 hours. I ended up calling 4x, and not once did I receive any reassurance that information would be escalated to their tech teams to notify them of a potential problem. As they say, you can't help someone who refuses to accept something is wrong to begin with.

Do not use affirm for purchases. There was an $80 purchase made on my account that I did not make. They "investigated" and say they have proof it was sent to my address. I looked at every purchase on my Amazon account and there was no purchases in that amount. I just wonder how many other people they've done this to. Use after pay instead never had one issue with them.

I have been getting the running around so much with affirm about identity. It's so annoying because every time I get on the phone they say the same thing. I been updated my number on my credit bureau.

Affirm pre-approved for 880 at Walmart after the Advertisement played at Walmart so I figured it's Christmas time. Why not?
I go to the register and it tells me declined after preapproval. Now let me add the fact I have excellent credit. I hit the button again It says.
Approved 6 hundyesterday.
I'm at register with a car full of c*** I'm at register with a car full of c*** I'm at register with a car full of c*** I don't need for my children.
Then it says declined out of confusion. I hit the button again. It says approve for 200 I hit accept. It charges my card $100 immediately. And then don't let me purchase nothing at Walmart.So I lost a $100.Have to wait 3 to 5b Days for my $100 back. And walk out of the store and decide not to buy anything.
Out of pure irritation. I would.
Like to point out that management at Walmart and the associates were great and very understanding trying to help me. But I can confirm that a firm is bull$#*!

I've been trying to make an account for a month and the message is update your phone number, and when i try to update my phone number sais contact customer service, i called the customer service three times and results is nothing, no one can fix the issue.
Fail company...
Zero star

I ordered something from a girl on instagram. Got kind of skeptical but eventually i got my package a month later ( i ordered nov 4th, recieved nov 6th). The item(s) costed about $75. I have been paying $18.36 every 2 weeks (currently sitting at $36.74). I got a notification yesterday saying my card was declined from wells fargo. I check my email and it says it was declined from affirm, a charge for $59.16? I have no idea where the hell that came from so i called affirm after work. The rep. Did not speak english well and obviously was overseas, and he immediately said " we couldnt find no charge for that under your account, and if something like that happens again contact your bank. " as i'm trying to explain the situation. I only used their dumbass site because i wanted to try and build credit as im 18 years old and wanted to give myself a start to a new responsibility. This company should not be advertised as much as they are, and once im done paying this off im deleting my account. Ive never had to worry about my card but now i keep my card off unless im physically in the store or checking out online because i have a feeling affirm will do something dumb again. NEVER using them again. Its a damn shame.

This company approved me for 700 dollar and when I applied for a virtual card they immediately took out 175.00 from my bank account. However the virtual card would not work and I asked them to cancel it. No rep was able and I spoke to 4 rep and was told it was sent to the back off. As of today 10/17/24 the card is not cancel and per the Supv. Alejamdra it will take up to 30 days to cancel and then they will be able to give me my 175.00 back and my account can not be cancel until then. Wonder how many people they have take money from and advise them it a technical problem and can not be solve until after 30 days.

I had been using Affirm for several years to purchase items for my resale business. The last year I've had a difficult time staying current with my 20+ loans ($900) because of recent costly $$$ health issues. I've called Affirm a few times, and even spoke to "a manager", and explained my situation. I asked if they could take $50 / wk from my account to help me catch up on my payments. That is not an option. I was told I could "apply" to have some of my loans deferred for a few months, but that's the only resolution they would offer. They won't help me to pay them. I'm so far behind that just making the normal payment on my loans does not stop them from being reported as delinquent. In one month, my credit score dropped by 132 points due to Affirm. When I spoke to the manager, I let him know that they had ruined my credit, and if they couldn't work with me to pay them ($200 / month minimum!), I'm considering just not paying them. Still no offer for assistance. That blows my mind! Unfortunately, paying $50 / wk towards my payments still destroys my credit.
After the call I was emailed a survey. I waited a week or two to open the email. The first question was asking if they had resolved my issue. I tapped no, and then got a pop up that my survey had expired.

It's all overseas, and it's all scripted. If you ask them a question outside the script, they do not know the app is absolutely terrible, too. Get through just terrible, all the way around

Will not do business with affirm again, I have bought many things, when they make a mistake on ur account, they cannot undo what they have done wrong and it will affect ur credit history, mine was perfect now because of them something is showing up! It was their mistake not mine haven't been late on nothing!

I have used Affirm for several years. About two months ago my account was hacked and someone used it to purchase something. I reported it and they placed my account on lockdown and tole me that i could not use the account until it was resolved, not even to make payments. I started receiving threatening messages about not paying on my account on my phone and email account. I have repearedly called their terrible customer service line only to be told in very hard broken Engllish that they cannot discuss my account with them and not to worry about payment. It is my account, my personal information, and I should certainly be able to talk to them and make payments. Now I am being threatened with my account to be placed with a credit agency, but they will not let me pay the bill. I am posting this everywhere I can and am obtaining a lawyer to sue them for threatening me. I also had to discuss this matter over and over again with ignorant, stupid people who speak very broken Englilsh who read from script and tell me that they cannot discuss my account with me. Also, I am told and I quote "no worries" about not paying my bill. I have called them at least ten times. I will definitely see that people know how
terrible customer service is and how corrupt the system is. I am sure that I will nev
Er hear from them in reference to this,. Oh, just found out that I have to give them a Star in order to put this message thru to them. They should not receive a star.