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Christopher L.

Contributor Level

Total Points
80

1 Review by Christopher

  • Affirm

1/24/22

I've tried various loan companies, to start building my credit. Tried Affirm, got denied, which I thought was possible. But, the customer service, trying to get a human on the phone, and one that knows anything more than the computer already told me, is impossible. I've wasted more time, just trying to delete my account here, than its worth.
This may be a halfway decent place to use for emergencies. But, they don't report regularly to any credit burrows, just when you have a late payment, and can't get an extension. But, I'm sure when you call to ask for an extension, you'll just get the computer telling you it didn't understand d what you said, tell you to wait, they are getting a customer care representative, the get disconnected after 15 minutes of aggrevation. I'd stay away from this place. Only reason I tried, is that Mint Mobile offered it when I was looking for a cheaper cell provider. That's another nightmare and rip off.
I mean the whole cell phone prepaid/contract thing...
Prepaid, you'll pay higher for, get less service for the cost. Every contract I've signed, over the last 15 years, has ended terrible. From all 3 major carriers.
All Is good for about 6 months, then, the double billing starts, with no explanation, and none of the cust. Serv. Reps could explain it.
All they say is, your paying for this month we are in, and next month... ok, but I'm on a premium plan, with good credit rating... so I go ahead and pay the double... next month, same thing happens. Call them, and no body can understand my problem.
If I'm paying for this month we are in, and next month... then next month, I'm paying for that month and the following month again, that's 4 months I've paid for. Why can't anyone, including managers, and after hours n hours on the phone, at the store, in person, and everywhere..., nobody can see how that is wrong. They just can't explain it.
All I get from them is that I'm in a contract, and will pay a penalty for ending it early.
Seems like it's all planned from the beginning.
No doubt about it.
And, until everyone starts standing up, doing something about it, they get away with anything.
That's fraud, and with telecommunications, why don't the FCC get involved.
It's time for everyone to start taking action against all the people.
I don't mean storm the capital or anything violent, or illegal.
I mean making it known, force the news to cover it, make someone accountable.
Until then, the small, average, middle income, and low income people will suffer.
I'm not political, hate being out front of anything, and just want to live my life, peacefully.
But, something has to change.
This country is sick...
And it's getting worse.
What do we do.
None of the politicians care, or they get forced into looking the other way, because campaign money comes in from there big companies.
There has to be a change, or what we are proud of, being free, living in the USA,, this will all be gone.
It's already starting.
Average, good, proud Americans, are starting to wake up, and hate this country. And for good reason.
Sorry to turn a simple review, into a rant.
It's just getting old, all going to hell, and I hate to see it happen.
I'm proud to be American, my family fought for this country, for our freedom.
But, things are changing, very fast, and most don't see it happening, or know what to do about it.
Let's think of something people, somehow, save this great country...
Sorry for the long review, and getting off topic, but it's all the same old stuff. If your not rich, or well off, you get screwed, by everyone.
Just think about it. And try to help, in any way possible...!

Tip for consumers:
Stay away, if possible.
If you get approved, make sure to pay it a few days early, or it might get " it didn't post on time ", and an extra fee.

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