the lie of the "scheduled" deposit
I have a deposit scheduled to drop to my card the 15th of every month. Every month on the 15th the app informs me that Affirm has received my deposit, that it's accruing interest, etc. It also tells me my money will be available in 3 days.
It never, ever is. We hit day 3 and the app tells me my money will be available in 2 days. Sometimes after that it progresses "correctly" (wherein 1 day = 1 actual day). The majority of the time, though, it doesn't.
Naturally, a customer service agent will be available to answer my question in approximately 2 minutes. 2 hours later... you get the drift. The lack of customer service, the useless AI prelude to trying to get the app to even pretend it's directing you to a human agent... I'm so over Affirm and am actively researching other options.