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Address: 650 California St Fl 12, San Francisco, California, United States, 94108-2716
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I've reached out to, Affirm back in November 2019 concerning correcting my cell phone number changed from *** to my knew number *** so that I maybe able to check my balance and make my payment on time. I've also called them four different time in December 2019 concerning the same matter also January 2020 and February 2020 as of this day my information has not been updated nor have they attempt to reseed any links to me or my email address of doing so. Every time I called them its always we're going to send a link or your notification was turned off and we see you haven't been getting your alerts. I've asked then continuously so that I may see my account information for myself and know my payments and what's left owe. They refuse to help me in any kind of way but their full of excuses of why I can't see it. I've upload my picture ID as they ask and they claim it didn't come through clearly. I've ask them to resend the link so that I'll be able to upload whatever information that they may need, so I'll be able to see my account and make my payments and they lie as if they have when I can clearly see that there hasn't been one email from them. These people expect me to continue to pay a loan that I'm not able to check my payment balance or being able to look at my loan agreement. I need and want my number updated so I may see my loan and make payment! I don't have any of my account information because it was done on line and I'm unable to see my loan agreement due to Affirm unwilling to help!
Thank you for the opportunity to respond to Ms. J's Revdex.com complaint concerning Affirm's phone number update process.Affirm takes privacy and security very seriously and uses a multi-factor authentication process to protect our customers’ privacy. In order to access an account, customers need access to the cell phone number used when creating the account to receive a token code. Due to this security feature, Affirm requires that all customers call Affirm to complete certain identity verification steps prior to completing any phone number changes. Please note, however, that Affirm customers can still process payments when calling from a different phone number, as long as they are able to verify all of the necessary account information. Affirm's records show that Ms. J was able to utilize this feature and successfully made payments to her loans.In Ms. J's complaint, she stated that Affirm requested additional photo documentation to update her phone number, however, she claims she never received a link to submit the photos. Affirm's records show that Ms. J first contacted Affirm to request a phone number update on December 19, 2019. On December 25, 2019, December 31, 2019, January 2, 2020, January 15, 2020, January 24, 2020, January 27, 2020 and February 4, 2020, Affirm successfully sent the secure email links for the photo upload to Ms. J's email address on file. Affirm only received one submission from Ms. J on December 31, 2019 and Ms. J was informed that the photo she provided failed the requirements. Ms. J was able to complete the verification requirements on her next attempt on February 8, 2020 and her mobile number was successfully updated.If Ms. J has any additional questions or concerns, Affirm encourages her to contact our Customer Care team at [email protected].
Complaint: 14***
I am rejecting this response because:
Sincerely,
L*** J
These people are liars! They care nothing about their customers nor did they try to help me. I only received excuses after excuses and finally on February 8, 2020 I did get a rep that walked me through changing my number which I did on my own after trying over two months with no avail from Affirm. Their money hungry disrespectful ill-bred people. I had to contact, Experience Credit last week by disputing Affirm not reporting the correct information on my credit report. They say all I had to do is call them? My cell phone recorders will show me calling them over thirty different time reaching out to them for help with no avail, and I had to change my email address three different time trying to get, Affirm to send me a link and they claimed my notification on their end was turned off and that's why I wasn't receiving any notification from them, it was always some excuse. That's why I filed the complaint with the B.B.B in order to get help. So don't let this misleading respond confuse you from Affirm!
I read all their bad reviews on YELP.com and I'll never deal with them again!!
I used Affirm to make a purchase through Adidas on January 17th 2020. On the 24th, half of my order was cancelled by Adidas due to then not having the item in stock. Affirm will not adjust my payment to reflect this EVEN after one of their customer service representatives spent 30+ minutes on the phone with myself and an Adidas Customer Service representative who told him that it had been reversed a week prior on their end. Affirm still believes I should pay them $160 even though my purchase was only $69.
Thank you for the opportunity to respond to Ms. L’s Revdex.com complaint, which states her concern regarding a refund that has yet to reflect on her loan BS3W-F8MJ despite receiving a refund confirmation from the merchant.
Affirm's records show that Ms. L confirmed loan S3W-F8MJ on January 17, 2020 in the amount of $160.50. On the same day, the merchant placed an authorization hold on Ms. L’s card for $160.50. An amount of $69.55 was captured on January 25, 2020, however, the balance amount of $90.95 remained on hold. Please note that depending on the transactional history on a customer's account, pending amounts (authorization holds) may take up to 90 days from when the card was first authorized to reflect back to the loan in the form of an adjustment.
On February 9, 2020, the merchant reverted the pending authorized hold amount of $90.95, which was applied to Ms. L's loan on February 12, 2020. Therefore, Ms. L has a remaining balance of $69.55 on her Affirm loan.
Should Ms. L have any further questions or concerns, we encourage her to email us at [email protected].
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 14131311, and find that this resolution is satisfactory to me.
Sincerely,
L*** L
I paid off my account on 11.5.2019 and a balance of $308 continue to show up on my Experian credit file as still owing. I have contacted Affirm numerous times to ask they report payment as paid and closed. Affirm continues to make excuses as to why the payment is not being reported.
Thank you for the opportunity to respond to Ms. S’s Revdex.com complaint. Affirm has reviewed Ms. S’s complaint, which states her concerns regarding Affirm’s current process and timeline for credit furnishing.Affirm records show that Ms. S completed a final payment on her Affirm loan (ID: JZSX-8TZ7), utilized for a purchase with Walmart, on November 5, 2019. Ms. S was informed by Affirm that it would take a minimum of 30 days for this information to reflect on her credit report. As of February 11, 2020, Affirm has confirmed that Ms. S’s loan is reporting accurately and up to date with the credit bureau. Affirm apologizes to Ms. S for any inconvenience this may have caused.In the event that Ms. S has any further questions or concerns, we encourage her to reach out directly to [email protected].
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 14***, and find that this resolution is satisfactory to me. I have contacted Experian and the account has been updated to paid with a $0 balance and closed.
Sincerely,
C*** S
A refund was issued to me from Wayfair on December 10, 2019. I reached out to Wayfair on 1/6/2020 as Affirm repeatedly rejected to refund. I eventually received a partial refund. On 1/10/2020, Wayfair and I reached out to Affirm who stated the balance would be submitted via paper check within 30- days. On 1/16/2020, I received an email stating I would receive the paper check within 24 hours. On 1/26/2020, I responded to this email stating the check still has yet to be received. The response was rude and then deflected back to customer service.
Thank you for the opportunity to respond to Ms. M's Revdex.com complaint. Affirm has reviewed Ms. M's complaint, which states her concern regarding the timeframe for her refund via check.Affirm's records indicate Ms. M obtained an Affirm loan for a purchase with Wayfair on July 7, 2018, in the amount of $2,636. Affirm received payments on Ms. M's loan from August 2018 through July 2019. Thereafter, on January 7, 2020, Wayfair issued a refund in the amount of $611.34 on her account. Ms. M was refunded $251.04 back to her original payment method on January 7, 2020. However, kindly note that for the security of Affirm’s customers, Affirm is unable to refund payments made over 180 days ago back to the original payment method, and therefore a refund must be issued via paper check. Based upon the same, Ms. M was advised that she would receive the remainder of her refund, in the amount of $360.80, via check. Due to Affirm's current process, this can take up to 24 business days, as Ms. M was informed by Affirm Customer Care Agents on January 16, 2020, and January 26, 2020, respectively.Unfortunately, Affirm must decline Ms. M's request to refund her balance with any interest. We've confirmed Ms. M's refund check for the amount of $360.80 is out for delivery and will be delivered to her confirmed address by February 6, 2020. For further clarification, Affirm does not charge any late fees on any loans.In the event Ms. M has any further questions or concerns, we encourage her to reach out directly to [email protected].
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 14119391, and find that this response is lacking in accountability. The check was finally received and I hope to never do business with your company again.
Sincerely,
Andrea M
Affirm is more than willing to allow someone else to spend all of your money in a matter of seconds. However when someone else does spend your money fraudulently, the fraud reporting takes days to hear back. And calling the vendor to seek recovery of your money because if you can't borrow enough from affirm it will charge your bank card or whatever else you have connected to it, is useless because affirm does not say where the money was spent.
Overall this is a sham, very low security, if someone knows you are an affirm customer all they need to do is apply for a loan, call you pretending to affirm customer service and get you to read them a four digit pin and then you are stuck paying for someone else's spending spree.
One thing I can say about their customer service is that their representatives are very sarcastic and unprofessional. The female I spoke to has no clue of how to speak with people. Also, we sent in a payment for our purchase of the Purple mattress, well before the due date, but kept receiving emails saying that payment was due. So, I called and inquired, and she tells me that it takes 10 days for it to post on their end. I asked her to please not the account that it is paid. She said that she would, but we will see. Every other business I deal with who gets checks from the bank, post within 3 to 5 days of receipt of payment. But Affirm is saying 10 business days, when it shows at the bank as having been paid. The best thing to do is pay it off, which is what we will do immediately! I cannot go through this for another 12 months.
No way to sign into your account if you don't have a cell phone. Had to search for hours to find an address, had to get phone number from Revdex.com site in order to call. Customer Service not helpful at all!! Will never do this again!
I received a phone call from Affirm at 8:21 PM CST on Thursday, January 16, 2020 soliciting a loan. I told the guy it was too late to talk about loans that it was actually 9:21 where I was in Tennessee, and he seemed to be in disbelief about the time and asked if I was sure it was past 9 o’clock. I told him I was only checking my rates when I was online the previous night and he asked if I wanted to be removed from the mailing list and I said yes. The whole conversation lasted 1 minute, surely not long enough to get a loan for $4000. Today at 5:05 PM I received an email from Affirm about my loan details. I called the phone number as soon as I saw the email and their voicemail says to call back between 7am and 7pm CST. They need 24 hour help lines if they’re going to be setting up fraudulent loans.
Thank you for the opportunity to respond to Ms. J' Revdex.com complaint, which states her concern regarding an unauthorized loan on her Affirm account.
Affirm’s records indicate that a $4,000 loan was obtained on January 21, 2020 on Ms. J' account. Ms. J contacted Affirm on January 21, 2020 to advise of the unauthorized loan activity and the phone call she had received at 8:21 PM CST on January 16, 2020 from Affirm. On January 23, 2020, after a thorough investigation, Affirm's Risk Operations team informed Ms. J that the unauthorized loan claim was adjudicated in her favor and she would not be responsible for repayment of the loan. In addition,Affirm’s records confirm that there was no outbound call made to the number provided on Ms. J’ account at 8:21 PM CST on Thursday, January 16, 2020.
In the event that Ms. J has any further questions or concerns, we encourage her to reach out directly to [email protected].
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 14***, and find that this resolution is satisfactory to me.
Sincerely,
A*** J
My credit has been excellent my entire life. I have never once missed any payment and I get credit card offers through the roof. My landlords have always said you have the best credit rating we've seen and thank me for always paying on time. My roommate does not have good credit and I have helped him improve his credit. He was approved by Affirm to get a new iPhone through Visible. My phone screen shattered and he suggested I do the same. Affirm, like they have with other reviewers here, said that I was denied because they couldn't confirm my identity??? No one will tell you why. All Affirm will say is that they use other sources besides credit to decide approval. I have never been denied credit for anything. This company is going to be losing a lot of business. They really should value loyal customers and those who pay on time. Sad.
Affirm's replies with an auto-generated response. Their email that they said they sent to me for "more information" did nothing more than say I was denied without a reason. They say they've sent me disclosure forms to tell me why but I never received them. Every time I ask for them to send it to me again they just say they sent it. I've never been treated so poorly by a company.
I wrote this same review on Trustpilot and Affirm said that I never have used them so that Trustpilot would take down my review. Wow! Now, they just lie! I sent Trustpilot my emails from Affirm as proof. The gall of this company.
On Saturday 12/14, I went on GOAT and tried to order a shoe from their website. After going through the order process at the end there was an error message stating there was an error with the purchase. So I tried again a few time and kept getting an error message. Several hours later I checked my email to see that 6 orders were placed. I tried to Contact Goat Immediately to let them know of the error but it was Saturday and no one is available to speak with. I sent an email and got a reply on Monday. I also tried to contact the Loan company Affirm as they are who paid for my order, but I had to email them as well As it was late Saturday. On Monday I contacted goat multiple times and they told me is there's nothing they can do about me getting a refund. they told me, if I Return to Sender I will only get store credit which will not pay back the Affirm loans so the only option they give me is I can try to resell the item on their platform. The problem is each shoe was purchased for about $310 plus shipping of $10 plus tax of $22 however if I sell them today. Goat only offers $275 for each pair and they will collect a 9% fee for the transaction. This means that even if I sell them all for $275 I will only get about $240 back to pay the affirm loan which means I will approximately owe about $100 for each pair of shoes. This means about a total of $600 for six orders that were not my fault. to say that I'm extremely upset is an understatement. I requested for Affirm not to honor the loans and I requested for Goat to cancel or allow me to return the items for refund at this point I am positive I will be entering a negative review with the Revdex.com if I could not get this resolved I understand I might not get everything back but I need to get most of it back because this was not my fault. Affirm needs to see if Goat will allow me to sell the six shoes without getting charged a fee, or just allow me to return them so I can pay back these affirm loan I do not want these shoes. I told them that as soon as I found out these orders were placed which was the same day to both Goat and Affirm. this is fraud and I will pursue it as such. I submitted a dispute with affirm the 1st business on 12/16. They removed my ability to make any payment on the loan while the order was in dispute. I called Affirm 10 times trying to get this resolved. I received all of the orders and they finally completed my Dispute on Saturday 1/11, almost a full month later and stated I was fully responsible for the Loan and the payment is now due as normal on for all 6 loans on 1/16. This is not right and I truly negatively effected by this issue which I tried to cancel right away.
Thank you for the opportunity to respond to Mr. W’s Revdex.com complaint. Affirm has reviewed Mr. W’s complaint which states his concerns with multiple orders being processed through the merchant's website due to a technical error.
Affirm’s records provide that Mr. W contacted Affirm on December 16, 2019, to report that he had received repeated error messages while purchasing an item from GOAT. Mr. W then received notifications that six separate loans (IDs: VJ0I-ETUX, PBMW-LVHF, 8OER-GX90, NZWG-SLK1, WMIJ-D69Q, 5UND-1WWG) were processing as a result of the same. Mr. W reached out to GOAT and requested a refund for these loans; he was informed by GOAT that the return of his merchandise would result in a store credit as opposed to refunds towards his loans, in accordance with GOAT’s return policy. GOAT’s return policy states, “Once we process your return, we will refund you for the amount you paid for the item(s), less the shipping costs to and from you, by issuing you site credit (GOAT credit) to use on future purchases” (https://www.goat.com/returns).
A merchant dispute case was opened for Mr. W regarding his concern. Thereafter, on January 11, 2020, Mr. W was advised by Affirm Customer Care that all refunds are subject to the merchant’s refund policy, and that GOAT was operating within their policy. Please note that Affirm’s merchant agreement with GOAT does not allow Affirm to override, or make an exception to, the merchant’s return policy. While we understand that the situation is frustrating, Affirm simply facilitated the financing of the purchase and therefore the dispute process ultimately rests on the nature of the merchant’s policy. Unfortunately, we are unable to force the merchant to offer Mr. W a refund (i.e. to pay off his loan), rather than store credit. As Affirm has already provided GOAT with the necessary funds for the transactions, Mr. W remains responsible for the repayment of his Affirm loans in accordance with the agreed upon loan terms.
Nevertheless, upon receiving Mr. W's Revdex.com complaint on January 15, 2020, Affirm re-opened the merchant dispute in an attempt to reach an amicable solution between Mr. W and GOAT; this merchant dispute remains open at this time.In the event that Mr. W has any further questions or concerns, we encourage him to reach out directly to [email protected].
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 14***, and find that this resolution sounds good. Please provide an update with what can be done as no resolution was provide yet.
Sincerely,
J*** W
I personally did not had any problems with Affirm, only a minor one, when Jeweler took a month to create a custom jewelry and Affirm girl refused to adjust billing date saying that their is a contract, and I asked here which one, she couldn’t pull that out immediately, so I told her to email me where it saying that billing cannot be adjusted. Anyways, it’s not a big deal as she was probably a new crew there. Affirm is a good option for those who watch what they buying and pays back on time. I cannot believe that affirm has 1.5 star here....
I attempted to book a flight with Priceline, using the company Affirm to finance it. Within 24 hours, I realized the flight (an international flight) was not possible due to personal reasons with a passenger. Under federal law, you can cancel within 24 hours, and under Texas law you can get out of any contract before services are provided and within 30 days. I contacted affirm to cancel the account and chargeback priceline, and they refused. Priceline in violation of federal law refused to cancel the tickets, and Affirm refused to chargeback the merchant, and is now attempting to collect $3000 even though they were contacted immediately to undo the purchase. I have been in constant email correspondence with affirm who is absolutely no help whatsoever.
Thank you for the opportunity to respond to Mr. S's Revdex.com complaint. Affirm has reviewed Mr. S's complaint, which states his concern with the outcome of a merchant dispute case.
Affirm’s records provide that Mr. S contacted Affirm on December 27, 2019, stating that he had cancelled his flight with Priceline within 24 hours of purchase, and believed the loan should be cancelled. A merchant dispute case was opened for Mr. S on December 30, 2019, and both Priceline and Mr. S were asked to submit evidence to support their positions. Mr. S provided multiple screenshots of communications with Priceline on January 3, 2020, as well as a cancellation notification from Priceline.None of the documentation submitted by Mr. S provided that Priceline ever confirmed that Mr. S was due a refund for his purchase.
Priceline responded to Affirm's inquiry on January 6, 2020. Priceline stated that Mr. S had purchased two tickets on November 22, 2019. Priceline confirmed that Mr. S did not cancel his reservation within 24 hours, but instead contacted them on December 31, 2019 to change his flight dates. Additionally, Priceline provided multiple instances of communication to Mr. S detailing why his particular booking was not eligible for a refund. On January 12, 2020, Priceline expanded on their position with screenshots of Mr. S's booking agreement, which states that the flights booked were non-changeable and non-refundable. Mr. S was informed that the dispute was adjudicated in favor of Priceline on January 12, 2020.
In the event that Mr. S has any further questions, we encourage him to reach out directly to [email protected].
Complaint: 14***
I am rejecting this response because:
I provided proof that I contacted Priceline. - just because they didn’t record my contact does not mean I didn’t and they violated federal law by refusing to allow me to cancel.
Sincerely,
A*** S
Thank you for the opportunity to respond to Mr. S's Revdex.com rebuttal. As stated in Affirm's initial response to Mr. S, Priceline provided documentation that Mr. S's booking was not eligible for a refund. As all refunds are subject to merchant policies and discretion, Affirm adjudicated the dispute in favor of Priceline. Please note that Affirm is simply the financier of Mr. S’s purchase and has already provided Priceline with the necessary funds for the transaction. Based upon the same, Mr. S remains responsible for repayment of his Affirm loan in accordance with the agreed upon loan terms. With regard to Mr. S’s dissatisfaction with Priceline’s refund policy, kindly note that returns and refunds are always subject to the merchant’s policy, and hence the dispute process ultimately rests on the nature of the merchant’s policy. Unfortunately, we are unable to force the merchant to offer Mr. S a refund for his loan. While we understand that Mr. S remains dissatisfied with this outcome, our response remains unchanged. We encourage Mr. S to contact the merchant directly.
Complaint: 14***
I am rejecting this response because:
I understand where you are coming from, I am a business owner. However, you are trying to collect money from me for a service I didn't receive. I am not and will not pay for something I didn't get. As priceline will not provide me a flight I will not pay for a flight. I did not board a plane, nor will they allow me to board a plane. If priceline were to give me a credit, equal to the amount, then I would pay for it begrudgingly. But they are not, and will not, so I WILL NOT pay. This is an unauthorized transaction.As such, I demand you charge them back and reverse the funds. Period. It does not matter what pricelines policy was because there is a federal law protecting my right to cancel regardless of the policy.Here is a USA Today Article about it https://www.usatoday.com/story/travel/airline-news/2019/10/02/cancel-a-flight-airline-24-hour-cancellation-policies/3775018002/ Here is a consumer reports article about it https://www.consumerreports.org/consumerist/all-major-u-s-airlines-offer-free-cancellations-within-24-hours-except-one/ And for a further gotcha, here is a government website from transporation.gov https://www.transportation.gov/airconsumer/notice-24hour-reservation which states"This notice provides guidance to U.S. and foreign air carriers regarding compliance with the customer service rule that requires carriers to hold a reservation at the quoted fare for 24 hours without payment or allow a reservation to be cancelled within 24 hours without penalty (the “24- hour reservation requirement”). The 24-hour reservation requirement is mandated by the Department of Transportation’s consumer rule “Enhancing Airline Passenger Protections” (14 CFR 259.5(b)(4), 76 Fed. Reg. 23110, 23166, Apr. 25, 2011) and applies to all reservations made seven days or more prior to the flight’s scheduled departure time.1 "Priceline is in violation of federal law and you are obligated to assist me in this matter. I am asking you to shift the burden of responsibility from yourself to priceline. Because priceline isn't the one going to affect my credit score, priceline isn't the one that will try to take me to court over not paying. My dispute is with you because you are trying to collect. Shift that responsibility to priceline. Because if you fail to do that, I will not have option to defend myself but to take you to small claims court for the amount of the ticket plus attorneys fees (Only the amount you are trying to collect, I'm not trying to get rich or shame you or anything, I just want this matter settled).Let's resolve business respectively here and perhaps I'll have a use for Affirm in the future on legitimate business dealings, but Priceline is who my dispute should be with not you, so move it over to them. Having said that, Affirm is the one who refuses to chageback the merchant for unauthorized transactions. This is an unauthorized transaction and you are holding me responsible for it.Attached is indisputable proof that I tried to cancel within the 24 hour window as MANDATED by FEDERAL LAW. That makes this an unauthorized transaction. If you need I can team viewer you into my computer so you can watch me open this in real time and verify this isn't photoshop.
Sincerely,
A*** S
Why isn't t here an option for zero stars? This company is the worst. I cancelled my order and they're saying that it will take up to 90-days to correct my account but in the mean time, I have to continue making payments, which will then take another 90-days to refund to my account. Now, I cancelled the order the very same day that I made the order and it is now a month later, and they still want me to make a payment on something that was never received, keep in mind that they will then earn interest on the money that they want me to pay, but will only reimburse me only what was paid. I stopped auto pay and advised them that if they report a negative report to a credit bureau, I will be seeking an attorney because to collect on something that was never received, even after providing them with proof of cancellation seems a bit illegal to me.
I did not have an account with this company I have nothing with company someone got my debit card info and they did nothing to help told me to contact the bank and have them dispute the charges. They said they would have fraud department contact me no one ever did.
Thank you for the opportunity to respond to Ms. Crowe-Powell's Revdex.com complaint. Affirm has reviewed Ms. Crowe-Powell's complaint, which states her concern with an unauthorized payment charged to her debit account although she is not an Affirm customer. Given the information provided in Ms. Crowe-Powell's Revdex.com complaint, Affirm is unable to locate the charge in question or any account associated with Ms. Crowe-Powell's name. If Ms. Crowe-Powell has identified an unauthorized charge on her debit card statement, Affirm encourages her to contact her financial institution to file a chargeback and prevent future unauthorized charges. In the event Ms. Crowe-Powell has any further questions or concerns, we encourage her to reach out to directly to Affirm at
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID and find that this resolution is satisfactory to me.
Sincerely,
Sabrina
Hello
g different .. the manager most of them, not available every in life.. you have to kill urself this kind company horrible .. I recorded all this customer service voice going to sue this company so badly .. must file chapter 11
Affirm inc, biggest fraud company, this 2 ceo are also fraud because they dont have real number listed in google or anywhere else.. this company customer service totaly time harassing customer they no idea what is going customer account each and every customer b
Great company, if you have good credit you can get some decent low interest loans. Great customer service and easy to use website.
I have two loans with this company for two laptop purchases on Walmart.com. The first loan payment on the second loan was due on 12/29/2019. I set this up in advance and I got an email that the payment was "processing" (from my checking account), and that the company would apply it on 12/29/2019 and that they would email me when it was processed. To date, the loan was not updated to reflect the payment, and it is still listed as "processing". This is ridiculous. I am not paying any late fees for their mistakes. It appears as though the only way they apply it is if you schedule the payment BEFORE the due date. This is fraud.
In addition, I have yet to even open the box for this laptop. I got a barcode from Affirm.com to show to the Walmart store to obtain a refund back onto my Affirm account. When I checked with my local Walmart store,the refund desk told me that I would have to take a Walmart gift card for the return, and I would have to pay back the Affirm loan.
p.p1 {margin: 0.0px 0.0px 0.0px 0.0px; font: 12.0px 'Helvetica Neue'} span.s1 {text-decoration: underline ; color: #dca10d} Thank you for the opportunity to respond to Ms. Peirce's Revdex.com complaint, which states her concerns with the payment processing timeframe for her Affirm loan, and the difficulty she experienced attempting to return an item to Walmart that was purchased with an Affirm loan.
Affirm’s records provide that Ms. Peirce scheduled a payment of $21.55 for her Affirm loan AW2G-8CTB to be drafted on December 29, 2019, with her bank account information. On December 29, 2019, Affirm initiated the payment, however, kindly note that ACH payments usually take approximately 3 to 5 business days to complete processing; please note that despite the processing timeframe, the payment posting date remains the date the payment was initiated, in this instance, December 29, 2019. On January 7, 2020, Ms. Peirce’s payment processing was completed, and she was informed of the same via email.
With regard to Ms. Peirce’s dissatisfaction with Walmart’s refund policy, please note that as Affirm is simply the financier of Ms. Peirce’s loan, returns and refunds are always subject to the merchant’s policy. Based upon the same, we encourage Ms. Peirce to contact the merchant directly. Nevertheless, if Ms. Peirce has any documentation indicating she should have received a full refund from Walmart per their policy, we encourage Ms. Peirce to forward this information directly to
Thank you for the opportunity to respond to Ms. Peirce's Revdex.com rebuttal. At the time of Affirm's response to Ms. Peirce's complaint on January 14, 2020, Affirm had refunded $16.35 of the $21.55 that was paid towards her Walmart.com loan (ID*** back to her original payment instrument. Affirm has refunded the remaining $5.20 that was accrued interest back to Ms. Peirce on January 15, 2020. In the event Ms. Peirce has further questions, we encourage her to reach out directly to
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID and find that this resolution is satisfactory to me.
Sincerely,
Lynn
Be very careful using this company! You need MINIMAL personal information to access your account, which leaves it a prime target for identity theft. I unfortunately was a victim where someone took thousands of dollars worth of loans out in my name through affirm. When I asked about extra security measures I was told they “don’t do that.” Although I was ultimately not found responsible by the company, I will always think twice about using a company like this with 0% interest rate to pay off purchases.
For over a month I have been trying to correct a problem with them and it has been awful. I made reservations for Great Wolf lodge on 11//20/19 and used this service. As I was making reservations the site crashed. So I had to go back through whole process. Finally got the reservation made. I got to hotel and was told I had two reservations. I explained I only needed one and explained what happened with site crashing. Great Wolf Lodge immediately cancelled one of the reservations. Affirm has continue to charge me for both reservations. Try to correct that after being able to provide them with contact name, reservation number, and phone numbers Affirm refuses to correct situation. Keeps asking over and over for same information. I confirmed with Great Wolf that reservation was cancelled and Affirm will not correct still. Last call I requested manager and I had to keep asking for manager because the Rep kept trying to tell me it was not their issue it was Great Wolfs. I had to be very firm to finally be told by rep to hold. When she came back on phone she still not get me the manager but, said that they say I have to show receipt of cancelled reservation. I said I was never provided one but, have name of rep at Great Wild I spoke to who was able to give me specific time, date, and amount of what was cancelled and relayed that to rep and said I want to speak to manager. I had to hold for several minutes and a manager came on. I went through whole story for the 6th time (I had emailed several times prior because I could not find a phone contact number). Finally manager sounded like she understood and told me the account would be under review and that payments would be on hold until review was complete. She said she would take all info I gave her including Great Wolf rep name, phone number, and I gave her both confirmation numbers of account we were willed for stay with Great Wolf and confirmation number of account cancelled by Great Wolf. She said it would taken care of. Then I just got an email saying it was not officially under review until I provide certain information... all of which I specifically provided already and should be in their notes if they actually read previous emails and phone notes (assuming they actually document as they should! But, at least read the emails!!) Affirm will go from acting like they understand and will correct it to this is my fault and will not acknowledge that their site crashed and keep ignoring the fact that I told them that there were other couples at Great Wolf checking in as I was going through the exact same scenario because the site crashed just like it did with me and made duplicate reservations. This has been time consuming and frustrating. I can’t afford to pay for a loan I did not apply for. I made 1 reservation the site crashed, I had to go back in and re do reservation because it did not show that initial reservation went through due to crash. Then I end up with duplicate reservation. Great Wolf corrects but, Affirm will not fix it and is insisting I pay for it. Now mind you, I already paid off the one I actually made and used for great Wolf. Just refusing to pay affirm for second/duplicate loan.
Was quoted at a specific rate after sharing my personal information. When I tried to make a purchase below the prequalified amount, the rate was 9% higher. 9%! Do not share personal information with this company that obviously wants to con customers.