Contact Affirm Support

Have had the WORST experience with Affirm. Tried to make a payment multiple times and there was an error. Checked with my bank more than once to assure no issue on my debit card/account. Called affirm and they opened a case for me and said they would reply in 3-5 business days. A month later, no response at all and now receiving late payment notices saying this will affect my credit score. I call Affirm back to let them know the issue is still happening and to make sure it doesn’t affect my credit since the issue is on their end. I am transferred back and forth and then speak to a supervisor which basically tells me there is nothing they can do and that my credit will be affected. Gives me zero options of other ways to get payment - I offered over the phone etc and tells me they can’t accept payment over the phone. Get transferred again and a representative tries to add my information to the account and that won’t even work so they say this is definitely an IT issue with the website. I tell them that affecting a customers credit when the error/issue is on them is not acceptable, they agree but say there is NOTHING they can do to pause the loan etc to avoid credit being affected. Honestly insulting and insane that no one can help when the company is at fault. Will never use this company again. And will take legal action if I am affected on my credit

I contacted your establishment nearly 1 week ago regarding fraud charges on behalf of my account to Fashion Nova and EBay. I DID NOT MAKE THESE TRANSACTIONS. I am VERY DISGUSTED AND DISAPPOINTED in the lack of concern your establishment has shown. I received a notification today that affirm found me responsible for the charges of which there has been no documentation or true investigation completed. These purchases were made WITHOUT MY CONSENT. I called immediately after seeing these transactions on my PNC bank statement and asked them to be cancelled. THESE ORDERS WERE IN FACT NOT CANCELLED and I received notification of that yesterday. If these transactions are NOT removed from my account and NOT refunded to me I will be discontinuing ANY AND ALL further activity with you, as well as seeking legal action. This is absolutely ridiculous and not customer service in the least. These transactions were completed with a “virtual card”. How did a virtual card even get linked to my account in the first place? I never received emails about the purchases until yesterday stating that the “loan had been accepted,” AFTER I CALLED AND ASKED IT TO BE CANCELLED DUE TO FRAUDULENT ACTIVITY. It is clear that affirm has no respect for the security of my information, or that of others using your services. If you ACTUALLY INVESTIGATED you would see that these purchases are not even being delivered to my address! TRULY DISGUSTING.

I had canceled an order because Affirm told me I asked for the exact purchase amount, but apparently you need a “5 dollar buffer” to process a payment. So if your total was 450 for a PlayStation, you need to ask for 455 from affirm. This is where the fun begins lol. Target had “already processed my purchase and therefore Affirm started a loan. Target Customer service denied that because a purchase isn’t fully processed unless you show up at the store and swipe your card. I reached out to affirm to let them know my order was canceled and that I was given a refund. Affirm takes 3-45, yes that’s correct! 45 freaking business days to process a refund! So I’m stuck with a 500 dollar loan until affirm decides to process my refund, which we are now on day 28. Target even cautioned me that affirm could take the full 45 days for them to give me the refund, which is ridiculous. Affirm tried deflecting the blame on target but it stated in their policy that even though you have been give a refund for a purchase, affirm will still take “3-45 business days to be credited” Also, you still have to make payments because it will affect your credit! Yay! This is what is so frustrating about their return policy. They need to make returns faster because I will never service again, and would definitely not recommend this trash to my friends.