Why I'll never use Affirm again
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Why I'll never use Affirm again
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Re: Why I'll never use Affirm again
#2The lead is generous. Affirm is charging you for a loan you've already paid and threatening you with late payment. This should be criminal.
Re: Why I'll never use Affirm again
#3The lead is generous. Affirm is charging you for a loan you've already paid and threatening you with late payment. This should be criminal.
Extortion?
Re: Why I'll never use Affirm again
#4My next steps are to file a complaint with the NY State Attorney General's office.
This is a right approach. I wish more people know about this.
Re: Why I'll never use Affirm again
#5My next steps are to file a complaint with the NY State Attorney General's office. This is a right approach. I wish more people know about this.
Also file a complaint with the CFPB.
Re: Why I'll never use Affirm again
#6Sounds like the only harm done to you is some unpleasant emails, and some phone calls that were also rather unpleasant that you initiated. Their automated systems and support seem rather terrible(unfortunately normal). You might have just sent these bad automated emails to your spam folder and been just fine.
Everything else is based on some imagined harm that might or might not come to you or some other imaginary person at some point in the future.
I used to get worked up about stuff like this but now I ignore it and my credit is pretty much perfect still. My mental state is much improved.
I might be not understanding the situation completely though.
Re: Why I'll never use Affirm again
#7Sounds like the only harm done to you is some unpleasant emails, and some phone calls that were also rather unpleasant that you initiated. Their automated systems and support seem rather terrible(unfortunately normal). You might have just sent these bad automated emails to your spam folder and been just fine. Everything else is based on some imagined harm that might or might not come to you or some other imaginary pe…
> Everything else is based on some imagined harm that might or might not come to you or some other imaginary person at some point in the future.
They threatened to report this to a credit rating agency. At any given time it's probably not a big deal assuming 1) you don't need to replace your car or sign a lease or get a personal loan around that time and 2) you know that you can dispute negative marks on your credit report and you know how to do that.
I didn't know how to do that until I had my identity stolen and I'm definitely more credit savvy than most from my cc churning days
Re: Why I'll never use Affirm again
#8[deleted]
Re: Why I'll never use Affirm again
#9Sounds like the only harm done to you is some unpleasant emails, and some phone calls that were also rather unpleasant that you initiated. Their automated systems and support seem rather terrible(unfortunately normal). You might have just sent these bad automated emails to your spam folder and been just fine. Everything else is based on some imagined harm that might or might not come to you or some other imaginary pe…
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Re: Why I'll never use Affirm again
#10This is so strange. If Affirm is the creditor why does he not ask Affirm to initiate a chargeback against the merchant? Is this one way Affirm can compete against credit cards, that they do not need to handle this kind of situation?