The three stars is for Rafael, the supervisor to whom I was transferred after the first agent continually talked over me and raised her voice. If the call was based solely on the first agent, I would score it at a -1000. I called concerning a failed purchase with a company that both Affirm, and the company, show as available for Affirm card payments. The agent became very snippy with me and told me no, you cannot use Affirm to buy groceries, even though the major grocery chain was on their list of stores available for purchase. The store also showed Affirm as an accepted payment method. When I asked her to please stop talking over me and raising her voice, she raised her voice and snipped back that she was not raising her voice. Did I mention that she did not greet me at the beginning of the call, and all I heard was loud noise and chatter in the background? Her tone the entire time was snarky and aggressive, and she possessed zero problem solving or de-escalation skills. I was polite, even when I asked her to please stop raising her voice at me. I then asked to speak to a manager or supervisor. She stated that I could not, and to call back and get someone else. I asked, "really? you don't have a single leader that I can speak to?" She again said no. I then stated that I am a call center supervisor (truth), and that this was the worst customer service I had ever experienced (also truth). She then relented and asked me to hold. About five minutes later, she came back and explained that she had a supervisor or the line. The supervisor, Rafael, was calm, and asked me to explain what had happened. Rafael was easy to talk to, and explained why Affirm could not be used at this particular location. He also explained that he would send me an email link that would walk me step-by-step through the process of setting up an Affirm loan without attaching it to a specific retailer, which I received and was able to complete. It's concerning that I had to ask three times to get to someone else to help. The first agent I spoke with should never, ever work in customer service. Imagine if the caller felt too bullied by the agent that they just hung up, or if the caller were elderly or otherwise could not get the agent to listen to them and address their needs. Beware, and be prepared to say "no," and ask for someone higher up the chain if the customer service you receive from Affirm is poor or unhelpful. read more

0/-10 if I could Affirm 100% deserves a negative 10 stars. My experience with them has been an absolute nightmare. An account was opened in my name without my consent, multiple loans were created fraudulently, and despite providing proof and reporting identity theft, I am still being held responsible for a loan I never authorized, opened, or benefited from. Affirm's response to my complaint was dismissive, vague, and failed to address critical evidence of fraud, including impersonation attempts and fraudulent account activity. Their customer service insisted I was responsible while refusing to provide verifiable proof, and their internal verification process remains completely opaque. I would not recommend Affirm to anyone, and I'm warning anyone who values their financial security: this company does not appear to take identity theft or consumer protection seriously. read more

got afirm for quite sometime and always paid their money on time and never missed a payment. I used to owe them thousands of dollars and paid all. This morning I was about to buy my ticket and decided to check my purchasing power and said $3000. I went to priceline.com to buy my ticket and used my affirm account, no notification was sent to me that they have declined my transaction on the priceline.com website. This morning while I was scrolling on my bank account I showed priceline.com has changed my checking account $2174 and I went to my email and showed email from affirm that they couldn't approve my loan. I logged in to my account still it's showing purchasing power $3000. If that's balance why do you failed to approved my purchase? I don't think I'll use them anymore. read more

Fuck affirm! Price of shit platform! 70 loans with them. One time I needed protection against fraud - their customer support (outsourced copy paste robots) refused to help. Opened and reopened the dispute 3 times. Photographic evidence etc... No! Same copy paste reply and case closed. STAY AWAY!!!!!!! read more

PUrchased shoes, had to continue to pay for them. They were way too small and returned them immediately. The same day I got them. I never got a refund. Tried to resolve it with AFFIRM. took them 4 weeks, and they declined me dispute. Despite having emails from the company saying I returned the shoes, proof from the shipper they had been received. WILL NEVER USE AFFIRM AGAIN. read more

Affirm has a duplicate charge for the same identical only 1 loan on my account. Despite several recorded conversations, customer services refuses to admit that it's a duplicate exact loan for only 1 payment of services. I have contacted an Attorney. I have reported a dispute to BBB and filed complaints to ALL 3 credit reporting agencies. My attorney has recommended that I contact my local TV news station, for the TV investigative team to do an on- air TV investigative report on Affirm lack of proper oversight in correcting the issue, and Affirm continuing to harass me regrading a duplicate charge/loan with only 1 payment for services. read more

Well folks, have I got a story to tell you. To be 100% fair and objective, I almost gave Affirm 2 stars because before this incident I actually had good experiences.. But this has been insane for me so I couldn't even bring myself to do it. Here's the story.. Around Xmas time I got a random text message saying that my affirm purchase was finalized and set up for a payment agreement. INSTANTLY I checked my app to verify and sure enough there was a contract set up for a pelvic cooling pillow through ticktock marketplace. I changed all of my passwords, contacted customer care and reported it as fraudulent activity the same day. Provided screenshots of the account and purchase. This thing was like $150 btw. Explained that I never ordered the item or received item. They told me that they would do an investigation and get back to me. A couple weeks and a payment later they emailed me saying that after reviewing the "evidence"they determined that the purchase was legitimate. I replied asking what evidence they used to determine this judgement. They gave me nothing and just "reassured me" that the conclusion had been reached. I called customer care still pretty optimistic I might get better service and i did. Talked to a great agent and was told I need contact ticktock and figure it out. Was told to provide screenshots shots or receipts from ticktock. Ok. fine. I called tick tock. Talked to an agent who verified that my email address nor physical address were associated with any tick purchases. Period. Sent me screenshots of my account and verified that there were no duplicate accounts with my email. I sent 6 supporting documents to Affirm to verify this stuff. They once again told me they'd reopen the case and investigate it over 2-3 weeks. Meanwhile I'm still making these payments. About 3 in at this point. 6 documents proving my tick tock had never been used to buy anything. Ever. They said that they determined the purchase was legitimate. I again asked them to provide me with evidence explaining how they came to this conclusion.. They stopped replying. I'm still making payments. Now I'm here to say they obviously don't care about these fraud cases and I would watch your info there. read more

Not worth 1 Star.Paid my payments on time and even early for 5 years, never late.All of a sudden I was denied and stressed out with no real reason other than they checked my credit score and denied me.Well, why did they allow me all the other purchases for 5 years? Then deny me all of a sudden for no reason? I don't have bad credit, just don't have any.So affirm let's me complete almost a dozen purchases through K9 Ballistics, then denies me after 5 years of excellence.Told me their policy is to check credit.They didn't check the almost a dozen zen other times.Said they see if you make your payments and that influences their decision to give you a loan.I made my payments and even early, where was the good influence in my favor.I asked K9 Ballistics to get another company to do financing.Very upset with affirm.Be aware and don't use them for purchases because they can use language to hide behind to deny you and if you have a dispute I wouldnt want to deal with them.Please go out of business, affirm.I use K9 Ballistics for a reason and now my dog has no bed. read more

I returned 3 items with Macys and it was with my one time card with Afirm and unfortunately the Afirm took my money and didn't process my refund!!! That is fraud!! I'm going to court for this issue and never purchase with affirm card again they steal your money! read more

Let me begin with this .. if yelp had zero stars I would assign zero stars to Affirm. @Yelp .Affirm has been extremely difficult to deal with regarding my return from a Dyson Purchase . I purchased the Dyson Humdinger for me to clean my car however it was not as strong as my last Dyson handheld. So I returned it's. My return was received on Dec 31st by Dyson. So, Dyson received the vacuum and I have yet to receive a refund by Affirm on 2/24/24 . On 2/12 I called both dyson and affirm resulting in an email being sent to me from Dyson. This email (attached) was sent to Affirm . Affirm created a dispute that was closed within 24 hours due to the fact that their policy is that refunds can only be made within 60 days . So I've been getting the runaround from Affirm to push me over the deadline!! According to Dyson today it should only take 7-10 business days to process the credit. Today ,2/24/24 Despite calling each week to resolve the credit to my account even getting Both supervisors from Dyson and Affirm on the line together today . Affirm is stating it will take another 3-5 business days . There is no way to escalate this concern of their consumer . Leaving me at the hands of a call center overseas . I have emphatically asked Dyson to reconsider working with Affirm as it results in poor business's practices that Dyson usually provides . I asked the supervisor today Carmen to escalate this issue internally so that they can reconsider working with Affirm . At the very least have a firm discussion between the two parties. I most likely will not use affirm for further purchases due to the lack of proper customer care and concern for their clients . Which might I add pay for their service ! In a world where there are many other options in order for me to pay, I will just have to choose another service like Klarna or Afterpay should I need to make payments that are interest-free. @affirm @yelp @dyson read more

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I bought tickets to Billy Joel and they have faltered on a full refund due to artist cancelation. They kept 2 of my full payments and the interest thereof . Then they treat you like you are inhumane read more

I wish I could give no stars to this joke of a company. Don't waste your time just save up and pay in full unless you wants YEARS OF ISSUES WITH YOUR CREDIT. I sued them when I was an adolescent and won. For some reason my info is once again being used under another person's account. read more

Please do not do business with this company as it appears to be a scam as I have had money taken out of my account yet I do not have an account with them and never have as I don't know anything about this company. Based on talking to them and their poor customer service. No stars would not be worthy. Poor customer service. read more

Dealing with shady fraudulent merchants. Affirm will not go to bat for you, but want you to pay for merchandise not received! Do a charge off and sell your account to a collection agency. read more

I bought a swiffer from Amazon using Affirm. It didn't work so I returned it. This was in 2023. I called them to ask why it was on my credit in 2023. The representative said I owed 56.00. It's still on my credit in 2025!!! This company is a scam. Don't do business with them!!! read more

This company, customer service phone line, and their chat services when you need help is absolutely horrible. They state 3 to 5 business days is their policy for someone to get back to you, however, that's never the case. If you put a dispute on something, they do not respond to you immediately or within 14 days read more

i used affirm to buy a cell phone. they required me to pay twice a month. i get paid once a month. useless

This company is a complete and utter scam. I should have checked them out before I decided to use them for example go to business bureau website and you will see a single star with all complaints about how impossible this company is in getting any kind of refund or customer service I've been fighting for a refund for over three weeks, which they refuse towork with either myself or the company to resolve. They just keep going back to their old policies and procedures which we have done and non-work stay away from this company. It is a scam a scam a scam a scam. read more

Worst customer support ever. Will never use them again. They basically called me a liar for 45 minutes until I proved they were wrong and didn't even get an apology. read more

sleight of hand is the best way I can describe my experience with this company. I was making a "substantial" online purchase from a reputable company and affirm was listed as a payment option presenting 0% apr offerings. Since I am all for using other people's money, I have used similar offerings in the past to purchase large items and pay them off without triggering any interest so I figured, why not now so I selected affirm, went through the approval process with the outcome being that I qualified for a $15k "purchasing power" and so I proceeded to the checkout where SURPRISE!! the proposed monthly payments now reflected a substantial interest attached to them????? I went to the account created and then I learned that my "purchasing power" was reduced to $2k which is what one would expect a teenager with little credit history to receive. so, I called affirm, and closed the account, and they could go take a hike for all I care. I just don't appreciate bait-n-switch tactics at all. The worst part is that the retailer too lost on this because I ended up not purchasing the item from them and it was a $4k purchase that will go to another seller who doesn't play in the sandbox with questionable practices like this bait-n-switch. read more

I had fraudulent charges on my account and you all keep denying with no exploration. I've been fighting it for 3 months. You can't make me pay for illegal charges. read more

The service can be useful but the customer service is infuriating. Over 2 months ago I ordered something from Rapsodo.com who never sent my order. I cancelled my order. Still waiting for a refund. They said they sent a check never got it. Then they said they sent a check again and I waited a whole nother month for that never came. Have to wait over 30 minutes on the phone every time I call them to try and deal with this issue. read more

Beware, this company is literally a "legal scam operation". I wouldn't recommend them to an enemy. Rude, inexperienced, and very unintelligent customer service department. I decided to stop all payments and they can eat the balance. I would rather have poor credit than EVER paying these crooks again. You've been warned, stay away at all costs. read more

They still charge interest even if you cancel and never take the trip. RIP off. Use credit card only when making reservations Never USE this service unless you are making that reservation that day. If you plan a head and have to cancel along with the insurance Expedia charges you fees this service charges just for the privilege of using them. Either way you lose money. read more

I got my refund they need to explain better every time I called I got a different story so I called my bank and they explained everything to me read more

Wow, I really like this company due to the fact it's easy to navigate, & very modern! Also, it's widely accepted! Almost everywhere :), like PayPal. The only issue though is, the interest! There's no way you can get 0% interest, also, it's high! My only issue with it. The interest rate varies depending on your credit (score)! Another issue is it takes 3-5 days to process the payment! It's easy to use, but the interest though is where it's a tough pill to swallow! read more

Trust the negative reviews! After paying off a plan, the merchant issued a partial refund. I never received it. Their outsourced customer service is useless! Affirm stole my money and refuses to return it. read more

how are you going to approve my loan take my first payment and cancel my loan I have spent over $3000 through affirm paid it all off and you refuse my business after I paid you over $3000 back what kind of joke of a company are you you really have to learn to do better read more

Approved for loan from affirm for 3700 for flights. Booked tickets, gave affirm 900 dollars for a 3300 hundred dollar loan. Merchant calls and said tickets cost additional 600 on top of my affirm loan I already paid for. Or I can cancel for a few paid to the merchant. Affirm did finally close account and refunded my 900 we couldn't afford another 600 out of pocket. So affirm sides with merchant and cancel s credit approval. Shame on you affirm for siding with merchant scammers. It's are opinion affirm is in on it. read more

Affirm - Proof - Business Financing Near Me - San Francisco, California

If I could give a zero, i would. NEVER do autopay with this company, evereverever. I have been trying for 2 weeks by online consult (3 times), and 3 times by phone with 3 different agents, who speak weak English. I asked for autopay to be shut off on my account. They promised they would, and did not, so my bank was overdrawn twice and my bank wants to charge ME $30 to shut off any access by Affirm to my account. It took 1/2 hour to FINALLY get through to an agent to mail me an email regarding this problem, and he put me on hold for 10 minutes so I hung up on him. I doubt he intended to come back and do anything for me. I may wind up shutting down my bank account, which is a gross infringement upon my time, energies, and sanity. DO NOT PATRONIZE THIS COMPANY, you will regret it. read more

They tell you have a certain amount to spend and ypu pay on time then they take away your credit what kind of stuff is that I will never use them again... read more

I returned a whole bunch of items, and I still have yet to receive my return. I want to know where my money is and why hasn't been returned yet I called affirm and they couldn't account for the missing money I was told they just have policies the guy couldn't give me a answer on what happened to my money read more

I am a victim of a scam video game seller. I purchased a Sony PlayStation 2 + Grand Theft Auto San Andreas ($195). I received an out of box bubble wrapped Game Boy and two games for a different model Game Boy. After getting nowhere with the merchants scam customer service. I disputed the purchase with Affirm. I provided: -the original invoice showing the items I purchased -photos of what was received w/shipping evidence -detailed transcript of my communication with customer support and dead end service Affirm sided with the scam merchant and provided no clear description of why. They told me this in a one way message I had no option to respond to. I didn't realize Affirm was a scam company until this happened. Stay away, but if you just can't help using Affirm. I hope you don't end up the same as the rest of us one star reviews. read more

Affirm - Apparently this is a Sony Playstation 2 with Grand Theft Auto San Andreas - Business Financing Near Me - San Francisco, California

Do.not use affirm. I can "affirm" that their automated approach to customer service does not work. Got a live person and they couldn't give me a reason that that they rejected my loan even though I was prequalified (and zero debt). This is a great example of lack of customer service and not explaining issues. Zero stars. read more

I purchased an airline ticket through this company and they never purchased the ticket from the airlines but charged me for half of the fair! They also set up my payment plan on the app.When it came time to fly. I had no ticket, and had to pay for my ticket $297.00 in full the day of traveling. Never again. When I contacted Affrim they told me it was Southwest fault when I put the Southwest representative on the phone, then the Affirm representative admitted that it was Affirms fault. They didn't offer me anything for the inconvenience and I have to wait 5-7 business days to get my $140.00 deposit for the ticket that was never processed. read more

I tried for months to get my refund credited back to my account. My case was closed by Affirm help center without any explaination what action had Affirm been taken even I had forward proof from Vendor they already credited my return back in February!!! Affirm kept saying it's over 60 days and they do not see the credit. The transaction was between Affirm and the vendor, so if the vendor had forward confirmation refund already being credited; isn't it up to Affirm to take action to clear my loan instead of they keep sending me reminder that I still have payments to make for the loan along with overdue alerts! My case has been closed many times without resolution and my frustration is beyond words that I can put with my experiences with Affirm help center through hours of calls and chats. Never again and will tell all to stay away doing business with them. I would give negative stars to Affirm if Yelp had! read more

I am SSG Charles Victor Williams USA ARMY. I have been scanned BIG TIME...By AFFIRM!!! I was told they were only gonna check my credit to see if I looked good to get a loan and was told it would not affect my credit score he took the information and said I was APPROVED... $5000!!! I said You said you were just gonna look at my score to see if I look good TO BE APPROVE!! I borrowed this money for legal representation through an attorney named Cathleen Christy of New Jersey... who works from home and doesn't answer the phone. I should've done my research first. Because From jump like to set up and it was difficult to communicate with the Attorney she is not sharp and sounds like she uses narcotics or drinks a lot.. our conversations are definitely offbeat If she is dealing with the affirm so her clients can finance their legal fees, we know she ain't about shit because we know AFFRIM is scandalous. No attorney in the right state of mind would be affiliated with A SCANDALS LOAN COMPANY unless THEY ARE SCANDALS 2. I'm done. Kathleen Christy's office claims they're billing me! For what-the consultation is FREE! I will sue Christy for her intentional, scandalous, communications, and transactions... I will keep you updated. I am waiting for my invoice to come in and I pray that it says zero. Please stay away from AFFRIM once my account was approved. They would not answer the phone when I called affirm. She wouldn't tell me what company I was calling. Or what her company does. read more

On December 9th 2023 I ordered an HP laptop from amazon. Between December 12th and December 18th FedEx Ground made a number of entries in the tracking history that were completely dishonest not accurate flat out flying. The FedEx Ground driver on December 12th through the 16th Federal Express made one excuse after the other updating the tracking history with incorrect dishonest information. On Saturday December 16th the driver said that they came out and made a delivery attempt which was a complete lie and called a residence of business and they never made a delivery attempt. On December 18th around 10:00 a.m. the FedEx Ground delivery driver updated the tracking history for the last time stating my laptop was delivered and signed for by me! This was a blatant lie. I called FedEx immediately and reported the driver because the driver forged my signature as H.Homeowner. a FedEx manager named Dominic and I believe in internal Security employee named Joe did an internal investigation and they're findings concluded that their driver did Forge my signature and the driver failed to deliver my laptop. The laptop cost $1,060 plus tax and interest and because Federal Express was at fault I pursued them for weeks to replace this and they kept telling me to go back to amazon. I probably made a hundred phone calls between Amazon and FedEx . I also reported this to Affirm. They kept telling me to go back to Amazon ! This was a complete Nightmare and on top of all the other stress I was dealing with I ended up having a heart event a heart attack in April and spent two weeks in the hospital and this literally took me out of my life for a few months. In June I was able to finally reach Amazon corporate office and at least they gave me a gift card the amount of the laptop in the hopes that I could maybe purchase another one. I have presented Affirm with the supporting documentation from Amazon showing that I did not receive the laptop and the FedEx tracking history with the forged signature from the delivery driver and they are now threatening to ruin my credit and report me to all three credit bureaus and if they do this it will make it next to impossible for me to get an equity loan in a couple of months which I am eligible for as I have no mortgage and this will take my credit score bottom line is as of August 26th 2024 after multiple phone calls and uploading the supporting documentation over and over to Affirm, Affirm still expects me to make payments on a computer I never received and if I don't they are going to ruin my relationship with them so I may never borrow again from them and ruin my reputation with all three credit bureaus. This is a nightmare . Why do I have to pay for something that I do not have and never received ? Thanks a lot Federal Express because at this point after 8 months of 100 phone calls to all three entities I'm going to have to sue Federal Express and at the very least Affirm for the combined failed delivery forged signature and forcing me to pay for this laptop that was never delivered by their driver who stole it towards my signature and by the way I've got him on YouTube I made a video of him admitting that he forged my signature and failed to deliver my computer ! Federal Express did an internal investigation that proved all of this and here's the crazy part they're tracking history is not telling the truth they're still trying to say in the tracking history that the computer was delivered and when I asked Federal Express why they won't update the tracking history with the truth they said that the internal notes on Amazon's shipper account does reflect the truth that the FedEx driver failed to deliver the computer and he forged my signature and I never received the laptop. I don't understand this because quite frankly the tracking history should be transparent and should say the truth and the same thing so that anyone who looks at the tracking history see the same information. So we're all on the same page. I should not have to pay for something I don't have . At least Amazon after 8 long months of their customer service giving me the runaround finally did one good thing for all my time and pain and suffering and loss and stress and gave me a gift card to buy another computer. And I actually did try to buy another HP computer from a different seller and the seller made another mistake sent the wrong laptop so I sent it back and gave up on trying to buy any kind of computer from amazon. I used my gift card for other things that I needed . I have still tried to communicate with affirm multiple times over the last 8 months and it was their instruction that I stopped paying this payment for this loan as I never received the item and now they're threatening to ruin my life. Does anyone have any idea how I can get this resolved ? It's August 26th 2024 . I'm in New Mexico. .. read more

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Affirm SUCKS. I have used them a few times, but this last time was my final straw and I will never use them again. The merchant I purchased from sold me damaged merchandise. They offered to repair, but then did not. They made a return impossible with high fees. Then they offered me $250 refund credit and only refunded $149. Affirm did nothing about it. They did not even make the merchant pay the remaining $100 refund credit to me. I will never use this loan outfit again. Their customer service sucks. read more

I would give them 0 stars if I could their system fucked up and told me a loan didn't go though when it did so I had to do a second loan Just to find out that the first one went through so the refunded part of both loan instead of 1 loan in full and are nor expecting me to make 2 payments on 2 different loans for the same purchase doubling my out of pocket for the loan for 3 months instead of the original 6 moths I had with either of the loans. They claim that there is nothing they can you and I'm just stuck having to pay off the 2 loans in 3 months. read more