Affirm Anmeldelser 

Very annoying, tried to set up a payment plan but have been denied due to not able to confirm my identity. That happened twice, so we have decided for my boyfriend to try setting it up. The exact same thing happened, additionally it flagged up in red his debit card, showing that it only accepts debit cards. This was a debit card. Then again it was not able to process it and refused the transaction. I called a customer service to straighten this up and find out what is the problem. The person seemed to guess and say that we must have given not matching info. My date of birth is the same since I was borne, the phone number I gave is the same I've had for the last 25 years, same for my other half. We live in the house at the address we both own. What could not match? I just had my day spoiled, decided to pay for the stairs we wanted to buy in full because nothing is worth that stressful experience. I will definitely avoid shops that use this company.

We literally just payed of $9800 in full, a week ago through you're Financing program we were never Late or missed a payment Ever. We Called in wonder why now everything is paid off through Amazon & Affirm Financing it all for us. Why we can get To Finance anything at all now, the Women we talked to says the program does all the Approvals. We are excellent people who payed $9800 off including you Financing fees. What kind of company does Not Approve Customers like us, who they build their financing relationships with who know they will pay back what they owe. Seems stupid to me, we will try again on Amazon if not we will just use our credit cards. We we're trying to to get Great credit through Affirm, but apparently you don't want our money anymore. By the way you're Customer service is absolutely Horrible, and the way you make Approvals is foolish could be making more money from us otherwise.

Customer service is extremely poor. My reservation was canceled without my knowledge or consent, and my card was suspended without a valid explanation. Every representative simply apologized, but no one was able to resolve the problem.

Because of this unauthorized cancellation, I also lost a $200 Booking.com coupon. This experience caused me unnecessary stress, inconvenience, and financial loss. I expect the company to investigate what happened, restore or reimburse my $200 coupon, and provide a real solution—not just another apology.

If I could leave no stars I would. This IS THE WORST SYSTEM EVER!! DO NOT EVER EVER USE THIS SHIT. If you see a business that uses this BS of an app, leave it. It's not worth it. period.
Worst customer service on earth. All a script, not really a comprehensive answer from someone who knows the app and how to help. You can barely understand what they say and no solutions. The merchant screwed me and these guys did NOTHING to help. They just washed their hands. I would have not paid for the balance due I had if I didn't have some personal process pending. I have a top notch credit score and how much was going to go down?.... and in this economy, nobody can't buy anything with a loan anyway. Affirm: respectfully, go screw yourself.

August 29, 2026
Affirm Corporate Headquarters
650 California Street 12th floor
San Francisco, Ca 94108
ATTEN: Customer Relations

Affirm
I am a 74 year old disabled Senior Citizen who went to Best Buy on July 28,2026 to inquire about purchasing a laptop computer. I explained to the sales representative what I needed and he recommended a chrome book. I wanted to use Affirm so I went home and purchased what he recommended through Affirm. I immediately realized he had misinformed me about the laptop and I canceled the order through the Best Buy app. The reseller who is PC HEAVEN intercepted the order and returned it to the them. PC HEAVEN credited the purchase to Affirm Visa 3579 @ 2:07pm on July 30, 2026.
I noticed that my Affirm account was not being credited so I called customer service and they told me that they had not received the credit. I contacted PC HEAVEN and they sent me the proof which I sent to Affirm.
Another Affirm customer service representative told me that I needed to start a dispute which I did on 8-5-2026 per her advice and my account was locked! I called Affirm customer service numerous times and even messaged them on Facebook to no avail.
Now I get a letter a month later that Affirm is sending me a check in the mail for a pc that I never received. I again called customer service and asked them why they were sending me a check and they informed me that it was because they couldn’t credit my Affirm account because it was in dispute however I was told that the dispute was settled. Now they are sending me a check and I can’t pay Affirm because the account is locked and I have not received the check.
Now they unlocked my account and are saying I am late but I never got the refund check that was supposed to have been credited to the Affirm card. They are trying to charge interest for a account that was credited by PC Heaven on July 28. I did not file a dispute until August 5 on the advice of Affirms customer service rep so the refund should have went to the Affirm card!
This is outrageous! To treat a loyal customer like this is reprehensible!
Cynthia Rentch

Here is the long and short of Affirm and this will be my last post on Affirm. If everything goes perfect on your purchase and payments it will be fine. Any little glitch and you have real trouble. That's goes for both the product you have purchased or the financing. My issue goes back almost three years ago now , you can read my prior posts. Every time you complain they reach back and apologize and tell you to reach out to customer service. That's where it all goes downhill fast. Customer service will never get an issue resolved and you are stuck. Again I paid a loan off months early, but had a balance of one penny. Sent them a check for a dollar which they cashed, and still wrote the loan off as bad credit. This was after at least twenty customer service reps telling me it was zero out. If no issues they are O.K., and issue arrises and you are in big trouble.

Affirm is awful. Do not use. I got scammed on a projector by a company called Zoomly. I have submitted all evidence including proof the projector didn't ship from ShopPay's website (their partner). Affirm keeps siding with merchant. There are numerous reports of the merchant being a scammer. What I get for falling for it.

Getting past AI to an actual agent is nearly impossible. Chat or Phone. When you do get to an agent, they cannot help. They have no clue what's going on (overseas).

I am fully convinced that AI is reviewing these cases too.

I was purchasing a semaglutide product from another website, and I input my credit card, intending to pay in full,BUT, the only purchase option was to pay using Affirm. I had no idea it was a loan at 18% interest, and they were completely indifferent about my complaint and unwilling to accept my payment in full.

This company is so messed up. They "say" you have purchasing power but you don’t. Never missed a payment - have low balance- they SAY I have x amount to use at stores xyz….but yet they can’t "offer" any plans? Says they check every 7 days - they don’t. Recommend just using another card or getting that stores card - absolutely dumb. I will NOT be using them again.

I just filed with the CFPB, consumer financial protection bureau because my account has been locked for a month now, and I did all the steps I was told to resolve the issue, but it isn't getting resolved.  I had to talk to multiple people over multiple days, each one told me something different.  All were lies.  and I've filed with the CFPB on this situation.  

A merchant charged me an extra $2.42 I was unaware of a month ago on a preplanned purchase.  I call in and get transferred 20 times, and have to repeat my information to over 20 different people. NO ONE CAN HELP OR ANSWER MY QUESTION-they just keep transferring you and you have to repeat yourself over and over to people who are completely ignorant and void of being able to help with anything other than tying someone's shoelace. I don't even think they can do that after talking to them each time.  Finally a guy tells me to create a money account and deposit $2.42 cents--so I deposit $2.50, he says it will be resolved in 3 days.

3 days pass no resolution.  I call back and transferred again 30 times and some guy says, Oh I see your $2.50 here I will apply it, it will take 10 days to resolve,...but then someone else said it will take only 3 days to resolve, and then someone else said it will take 5 days to resolve.  NONE of the outsourced cs rep's know what they're doing, or are consistent in ANYTHING they tell the customer.

I wait and wait and my account STILL isn't unlocked.  I call back in and get transferred again 20 times to people who all tell me different things.  Finally one woman tells me that the manual application of my money didn't go through and it will take another month to resolve. 

EACH TIME I CALL IN I GET A DIFFERENT ANSWER, I'M TOLD IT WILL BE RESOLVED IN X NUMBER OF DAYS, AND IT ISN'T GETTING RESOLVED, AND NO ONE IS UNLOCKING MY CARD THOUGH I HAVE MADE IT RIGHT BY GIVING THEM THE MONEY! **I ALWAYS PAID ON TIME, ALL MY DEBT. I paid consistently and regularly, and I have the documentation to prove it, and this is how they treat you--STAY AWAY FROM AFFIRM

This is a bogus company that you should steer clear of. They are a fake and a fraud.

Easy to get approved for and payments I can afford!

Five different reps, (four supposed humans and one AI), having to repeat the situation each time and having it restated back to me incorrectly, one rep didn’t even form coherent sentences. One hour and 20 minutes of absolute frustration and torture for an answer that should’ve taken five minutes TOPS.
EDIT: Today, AFTER Affirm responded “concerned” about this review, I went to the store to get the item in question, only to find the same unresolved payment issue from Affirm occurred AS IF THE PREVIOUS DAY’S 80-MINUTE CUSTOMER SERVICE NIGHTMARE CHAT HAD NEVER OCCURED. It took an additional half-hour on the phone just to cancel everything so I could use a different card. HORRIFIC.

I wish I could give 0 stars. I’ve never used them and I shouldn’t have used them because I have credit cards with easier charge back when there is an issue. I bought into this Photobooth system, which was some bowl. I sent it all the information on how they did not get the leads and do what they said they were gonna do. The photo book system is PBI. Horrible practices. I wanted to dispute a sentence so much information for them only to deny it I sent in so much information which proved they did not deliver on what they promised. They suspended my payments while the investigation went on as soon as they started the payments up again they hit my credit with a 30 day late notice I’ve not had a late payment in 20 years on my credit. I’m so mad.

I did not know I could write a review about my experience with Affirm. When this company started I bought all my items through them. I got approved with no problem, paid off my bills. However, I made a purchase on Nike via Klarna, and the items was not delivered, I reportedly it to klarna, not aware they joined with Affirm and they never sorted it out. I cannot get anything with Klarna and every time I tried to get something from affirm. It is a hit and miss, and I get a notice that I owe Klarna money. But I am not paying for something I did not receive. These delivery companies are leaving things at your door, take a photo and that is considered a delivery. When you live on the first floor of a building, and your package is in front of your door, of course someone will pick it up. I tried telling these customer service representative things and their thing is. It was delivered, but did I receive it. But it all about the money. I cannot even download Klarna to see the exact time period, but it was in 2023 or 2024

I made purchase using affirm in the amount over 100.00 seller never give a tracking number and I never received my order filed despute with affirm I sent in copy of email confirming my order and the email I sent to seller inquiring about my purchase seller never responded or even sent a tracking number as I requested. affirm ruled in sellers favor.i appealed the decision I was told at that point seller sent to different address than my address so I would need to send proof of address on my order I did that and they ruled in favor of seller again. at that point I asked affirm rep can I get the seller contact info and I was given a phone number and was advised when party answered my call that I have wrong company. so I am out my money and firm will not help customers recoup their money if ripped of by not receiving merchandise I will not purchase with affirm ever again

I would give a negative 10 if I could, Customer service is a big joke! First off they speak terrible English and talk so fast you can't understand what they're saying. They offer you zero percent interest when you are making the purchase and then charge you 17%, THINK TWICE BEFORE USING THEM!!! It's a scam.

Affirm is useless. Sezzle is way better.

0-Star Experience: Misleading Rates and Abysmal Customer Service

If a zero-star rating were possible, Affirm would get it. I recently purchased switches for a home renovation and was offered and approved for a 0% interest payment plan.

During the transaction, a processing error occurred on their end. When they reprocessed the purchase, they covertly applied a 16.09% interest rate. I was not informed of this change until my payment schedule arrived the following week.

When I attempted to resolve the issue, the experience only worsened:

Obstructive support: Customer service is restricted to a slow, deeply unhelpful chat function.

Ignoring legal rights: I repeatedly asked to cancel the agreement within my 14-day statutory cooling-off period. Representatives completely ignored my direct questions, repeatedly pasting irrelevant, pre-written text.

Misleading promotions: When challenged, they deflected by stating they "assess lots of factors" for the 0% rate, making the initial offer feel like a bait-and-switch con.

Fortunately, I was in a position to pay off the entire balance immediately, meaning I only lost about £2 in interest. However, for many consumers, these opaque practices and lack of cancellation support could easily create a massive debt trap.

My advice: Avoid Affirm entirely. Better option would be to get a 0% purchase credit card if you can.

This company cannot be trusted they are insisting i pay for something I did not receive. What proof can I show when the goods were not delivered. They are not reliable and poor customer service. Keep threatening me with reporting me to the credit bureau. They are not honest . Avoid using them
After your reply I tried one more time with your team, but it's seems like they are programmed to say the same thing over and over again. I now await legal proceedings from you. See you in court.