Affirm
Reviews and Complaints
This review is written by an individual who has purchased the reviewed product/service and/or confirms being a paying customer of this company. Check our FAQ
Verified Buyer |This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer
Absolute Worst Customer Service
The worst customer service I've ever experienced - I keep getting this message that there's some suspicious activity on my account whenever I try to use the service, and I can't even log into my account due to it being frozen, with no information on how to fix it. I have called, as suggested, multiple times over many months and have only received the same response every time that the issue needs to be escalated to verify my identity.
Then I never hear back in any capacity whatsoever. They don't offer any other means that I've been able to find for assistance either.
They say to log into your account for better service, but I can't even do that. What am I expected to do here?
- Buy now and pay later
- Lack of contact methods
- Lack of communication and help from customer service
- Customer service are not helpful
Preferred solution: I would like to receive a response from Affirm that is actually helpful and resolves my issue.
User's recommendation: If customer service is important to you, steer clear of this company.
Petersburg, Virginia
Payments
Too many payments are coming out. It was supposed to be three payments.
I wouldnt mind using a firm again, but if this does not go smoothly like I was anticipating, then I will not use it again. I have upcoming plans that I would like to use this but now Im having second thoughts please help to resolve this problem.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerProblem with account
Their customer service is the worst. They have no power to do anything really except give you the runaround and it's very hard to understand what they're saying because they speak so fast and obviously not very good English in a lot of cases.
You'd think a company that does most business in the United States would have United States based customer service but no they do not. And there's absolutely no way to contact anyone in the United States from this company.
So they absolutely do nothing to help you and I have a legitimate case no one seems to care and no one seems to understand. But I'm going to get the Attorney General's office involved because I think it's probably some sort of a crime to take somebody's money for nothing
The item was unopened and unused, but for some reason, they determined that the item was unreturnable. So, they kept my item and destroyed it. They did not give me credit, a refund, or a replacement. I owe the payments to Affirm; I've made three payments so far and owe three more.
So, I filed a dispute, and Affirm ruled in favor of the merchant. So, I filed it again, and the merchant provided me proof that they were charged back for the purchase by Affirm. Affirm got their money back. I supplied the proof of the charge back to the merchant, however, I'm still making payments on something I don't have.
Trying to contact them is a joke because their customer service representatives are either in Costa Rica or Tel Aviv, and they don't seem to understand the issue. Trying to get ahold of anyone in the United States from this company is impossible.
So, essentially, I'm paying for something that I don't have, and the merchant was charged back the full price. So, now I'm paying Affirm for absolutely no reason.
- Easy to obtain
- Customer service is terrible
Preferred solution: Full refund
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerTrying to pay my bill my email is wrong
I've been trying to pay my bill and now it won't go through. I don't want bad credit.
It is almost paid for. My email is backwards.
Preferred solution: To pay my loans
User's recommendation: They keep sending me text messages but can’t find my information
Arlington, Texas
Purchase cancelled buying power
The agents were very helpful and patient he said no problem. He was gonna give us a good deal right I dont know so it all started early in the morning.
I went into a website to book some hotels and try to use Affirm but then they accidentally charged my Apple Pay and then my buying power on a firm decrease because of that incident and then I went back-and-forth calling the Affirm and the other website where I was trying to book a hotel, and our friend was very helpful.
Every time I called if it took about three phone calls, but all the agents were very nice. Very helpful.
User's recommendation: very helpful customer service
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Shirley, New York
Dispute
I returned my merchandise and they are denying my refund ..they want me to pay for merchandise that I don't even have..insane!
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Greenbrier, Arkansas
Loan is paid off asking for more than on file and another account is
Can not get ahold of anyone other than the ones saying they will look at it . One of my loans are paid off due to system glitching when I pay payment it asks for more no only on one account but others
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Naperville, Illinois
Unsuccessful payment
I can’t get my payment to be acceptedBank says they are not receiving the payment
Customer Service personnel were extremely hard to understand. Very thick accent, could not figure out what I was trying to explain to her
User's recommendation: Ask for a manager, she was foreign as well
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Tobyhanna, Pennsylvania
Loan dispute
Im not unhappy with the customer service rep. She was fine.
Its the company policies! Im supposed to jump through all these hoops to dispute a loan that was made for merchandise I never received!
Im pretty sure that is theft! Charging me for no merchandise or services!
It Affirm takes one more ACH payment out of my checking account I will be suing!!!
User's recommendation: Beware!
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerTo change my payment method
My charge card is overdrawn. I want to change all my accounts over to my bank account. Please give me a phone number so I can talk to a live person.
Preferred solution: Talk to a live person
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Los Angeles, California
Resolved: Pay My Bill . Don’t have A College Degree Sorry .
Company fixed the issue and I have been provided with apology. I was seeing 2 Payments on my Account just want make Sure It was auto - debit… set up On date Setup by You .ThanksGiovanni Russo .
Can I talk to Someone to pay my Bill please
I thought it was on Auto pay .
Giovanni Russo
Ref: Cheap o Air
Wellsburg, West Virginia
Refund issue
I recently sent back a purchase to Amazon and they said they refunded my money to the payment method, which was my debit card. I have not received that refund and when I contacted them, they said they do not see anything online regarding it.
This was a purchase that I used affirm to pay for. I currently have one more payment to affirm. How will I receive my refund? Will I need to make that last payment first?
Is affirm the group who will refund my money. Amazon has stated it is already refunded to my debit card
User's recommendation: NEVER use AFFIRM! If you run into a situation like mine, you will first of all not be able to understand anything they say to you on the phone and I think that is on purpose. Secondly, they will tell you if you finish making your payments that they will refund the money that is owed you for your partial order refund Which is also not true.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
Hermitage, Pennsylvania
Affirm registration not authorized
Not helpfull with no resolution of the Affirm registration that was unauthorized. Fraud is suspected.
Contacting Affirm directly would have been a more efficient option.
I thought I was still on the Affirm website when I was trying to respond to Affirm directly. Instead, I was redirected to PissedConsumer
Barnesville, Georgia
I was checking on my order
I cant find my order number.I forgot to write it downIm not a pissed customer Im a new customer and I cant find the 11 digit order number
Plant City, Florida
Unsafe, unintelligent account design
IF ACCOUNT SECURITY AND PERSONAL INFORMATION IS IMPORTANT TO YOU, DO NOT USE AFFIRM
Affirm identifies you by phone number only. If your phone number has been used previously, you cannot make an account, period.
It instead invites you to take over the previous owner's account. If this sounds dodgy, don't worry, you can provide your own legal information and successfully hijack the old owner's account without any deception. Here, you can see their personal information and still not be able to make your own account! Support claimed to have helped me, but it did not work.
This is such a security risk that at this point I have no desire to make an Affirm account.
For anyone reading, please understand: I am not a bad actor.
I provided my own legal name and SSN. It then asked for my ID and a selfie. I provided all of this and Affirm said, "Awesome! Welcome into someone else's account!"
Whatever verification system Affirm uses considers the phone number to be the only identifier.
It did not distinguish that I am not the same person even when requesting highly identifying information. It is also not designed in a way that acknowledges PHONE NUMBERS CHANGE OWNERS.
Absolutely useless.
Thank You for Your Reply! We are processing your message.
Your comment is successfully posted.