Thieves and liars
I’m trying to get my money back for a mattress that was returned to Nectar. Nectar paid Affirm and the refund by Nectar was approved on August 7, 2026. Affirm sent me an email on August 7, 2026 stating my money was in route to my bank account and that it should take 3 to 5 days. Today is August 17, 2026 and as of 12:30 PM today I had not heard ANYTHING from Affirm whatsoever. So I called, bypassed AI and reached a customer service rep. This representative said that they had “tried to deposit my money, over $2600, into my bank account on August 14, 2026, but it was declined.??? Maybe it’s just me, but how does a deposit from one company who supposedly is so reputable, get declined by a bank. Affirms excuse was that “the bank was probably having maintenance issues that day“. To which my response was BS. I asked to speak to her supervisor and was connected. The supervisor repeated the same story. She further stated that if I could prove that the bank did indeed have maintenance issues that day that they could re-issue the direct deposit. Otherwise, I could expect a check in the mail sometime in the next 30 business days at this point I am fuming. She could not give me my bank account number as I suggested that maybe they had tried to deposit it in the wrong account number. All she would say was that they would not try to direct deposit it again and I would have to wait on a check. After fulfilling some obligations for the day and returning home six hours later, I called Affirm again. I spoke with another customer service agent after bypassing AI and she sees on her screen that they had previously had a conversation with me earlier in the day to which I verified with her in no uncertain terms. I also told her that her call was being recorded as well. Prior to my calling her, I phoned my bank and asked if there had been a maintenance issue on August 14, 2026 to which they replied an emphatic “NO“. I further asked if they could check to see if indeed a direct deposit had been attempted on August 14, 2026. She graciously said she could, she checked, and came back with a resounding “no deposits were attempted automatically, directly or by direct presentation of such”. I informed the customer service rep at Affirm that her information was incorrect, and that she was lying to me once again by stating that the deposit had been attempted and declined. I offered Affirm the number to call the bank to verify that there had not been an attempt made to deposit anything and that there were no maintenance issues that day after I was told that the only way I could get a direct deposit done now would be if they could verify that those two issues we’re not viable concerns. The customer service rep at Affirm informed me that it was impossible for their system to make a second attempt to try to deposit as they had already made a second attempt and it was declined as well on August 14, 2026. My response was a less than gracious BS. I asked her if I was going to get the interest money that they accumulated off of my money lying in their account and I might as well have been talking to a four year-old. Trying to explain the concept of a company profiting by interest-bearing accounts was as though I was trying to speak Swahili to a Russian. She stated that my check would be issued in the mail sometime in the next 30 days, but could not exact a date for me. I demanded to be emailed when the check was mailed to me and she replied that she would see to it that I was emailed. I asked her to confirm my email address and her response was “it’s the one you gave us“ a few minutes later I was finally able to extract that information from her. Rest assured I’m going to become a boil on their ass until I get my money back, and if you have even the slightest doubt that anything that you purchase might need to be returned that you have the opportunity to finance through Affirm DON’T DO IT! If there is a way to do a class section law suit against Affirm, would somebody please tell me so I can sign up? This company Affirm has got to be stopped. They may offer you the moon and the stars, but their malignant way of doing business is toxic. I have never in my 70 years seen such deceptive, covert practices. I’m not asking them for one penny more than I am owed. But I did promise the last customer service rep. I spoke to that I would take every chance I could to burn them to the ground by reviews for what they’re doing to people. Living on Social Security is hard enough. Dealing with cancer is hard enough. Getting old is hard enough. None of us should have to put up with this nonsense. Don’t do business with AFFIRM, and tell everyone you know to avoid them like the plague. They are thieves and liars. And they’re making a big mistake if they think I’m going to give up this easily