Affirm Personal Loans

If I could leave a zero I would! I've been using Affirm for over 6 years and was my favorite way to pay for things. But today I try to log in and they've added more security. Well my social security apparently doesn't match. That's funny since to get credit they need my ss# I owe them payments and I'm locked out of my account! Called customer service 3 times. Of course they're in the Philippines! But first you have to yell at the AI robot! I will never use affirm again! They can't even figure out how to sign me back into my account. Such bullshit

After 8 months with an account I can't use because they can't identify me after multiple times sending identification and giving the run around I pay every month early and they can't identify me after 8 months paying on my account. They can't verify my identity after dozens of calls to customer service same answer every time and still they can't verify my identity. It's a scam place. The worst customer service and nothing ever gets done.

They sent me this Affirm Card. I needed it tomorrow for a major car repair. Went to activate the card. I updated my phone a month ago. Gotta wait a week to use it. WTF. Don't Go with them. I don't use a Credit card unless I absolutely have to. What good is it if you can't use it? I guess I'll have to walk. I'm in poor health so if I need my care I'm screwed. I wouldn't recommend these people to my worst enemy. Definitely not Family.

I had a loan approved to purchase a refrigerator from AJ Madison. Refrigerator of this year. May 1 payment, received several emails regarding the status of the refrigerator delivery, waited, waited, waited, after four weeks I called AJ Madison, and canceled my order. I had only paid $123.80 In first payment. I told them I wanted a refund. They sent me an email stating that I did not owe anything and had a zero balance. Affirm is telling me that I owe AJ Madison $300 and I keep asking them for what? Do not use this company. They are very shady. I’m contacting my lawyer. I’ve been dealing with this bullshit for over three months now.

My account has somehow been compromised because I keep being referred to as Jeffrey in the emails I receive regarding my account being frozen after trying to log in when that definitely is not even close to my name, and the account has been locked for going on a couple years now, with no help whatsoever from multiple phone calls at various intervals. They keep telling me they can’t verify my identity because the name doesn’t match (since I don’t know the last name of this “Jeffrey”) even though my phone number and email and date of birth are correct. I’ve even expressed my account security concerns, and they still won’t even let me just close the account either.

Customer service will make you cry and regret for doing business with this company and the rates are way too high! They are useless, ruthless! The rates are too high! So no, stay away from Affirm!

My bills have always been paid on time (or quite often before they are due), but Affirm has had my payment "overdue" for weeks. No matter how many times I kept clicking to settle the entire payment, it still came out unpaid. Speaking to a representative was useless as well, so I ended up having to add a debit card to make full payment and avoid having my credit rating tainted by Affirm's INCOMPETENCE. One star would be too much to give for the shambolic experience, but it's required.

I’ve called about my account 4 times with no help or results. I’ve tried to change my name and dispute an application rejection with no help at all. All of my information except my first name is correct and I have multiple IDs and documents to prove, which I sent in upon request to do so. I just needed a loan for $2000 for school and was told I could go through Affirm to do so. My request was rejected because they couldn’t confirm my identity so I called, said I would get an email and that it would have more information and ways I could resolve this. Did not get an email. Called back and said the same thing along with maybe the reason why my application was denied in the first place. Told me I had to verify my identity and change my name to my first name (not nickname which I used). So I did that and waited.

I did not like Affirm. Me and my boyfriend has had a bad experience with affirm. They told us we had a certain amount of money to be able to use and make payments on, they changed the amount three times while in the store then popped up and said that they didn't give me or him the money and we couldn't use it. When we had called the person we had talked to that night was NOT helpful at all. They done the same thing with me as well. Said I had so much money I could use them. Tells me that I could not use any of it and goes back on what everything had said. We said we would not use or even tell our friends about affirm because of the experience we had with it and it was bull on everything they had said and the app had said. Got our hopes up on wanting to use something everyone has recommended about. Never again will try to use it and neither will my boyfriend.

Don't do business with Affirm. Their "customer service department" is comparable to spaghetti and their payment methods are garbage. They tell you one thing so you purchase, then tell you something else when your payment won't go through. All I got was "call a relative borrow it from them". No missed payments, two accounts with them. I'm aborting the accounts and will deal with the consequences, I will not give them ANY more of my money. I don't recommend using these criminals and wish someone told me to stay away too!

I have an open dispute for eBay 90.00. The dispute took too long to resolve. They are not making me pay for it and they are not responding to my emails. This is a bad company. And if they ruin my credit I will take legal action.

I find Affirm to be very deceptive, when I first started with Affirm it advertised it would have no impact on my credit, yesterday I received a notification from credit karma notifying me my credit score decreased by 7 points from signing up with Affirm, I was never late on any of my payments and I always paid before the due dates, customer service barely speaks English. I requested a supervisor who is very dismissive and defensive, I'm now going to have to file a dispute with the Better Business Bureau and banking regulators. Very disappointed.

My experience with Affirm regarding the ** account has been marred by their inaccurate and unlawful reporting practices. Despite the account being long since paid off, Affirm has unjustly labeled it as "charged off" and continues to claim a remaining balance of $127, which was actually returned due to a manufacturing defect in a small appliance.