Send Them Money, You'll Never Get It Back
Obviously a scam, you'll never get your money back once they have it! I've been trying to close my account since November They will not let me transfer the balance in my account out unless it's to the account used to fund their account. Who would keep an outside savings account open after moving the funds to a new account? All attempts are a complete runaround and wear you out till you give up. After failing multiple times since November by chat, or phone, filed email complaint on 1/25/23. Diego P responded saying they'd resolve in 3-5 days and "they are forwarding to the appropriate department" What is that exactly? Hearing nothing for 13 days, I responded to email only to have Antonio respond the request can only be handled by phone. Most calls require you to enter numerous security codes sent to your phone and shuffle you between departments and personnel until you give up or they drop you. For example, on 2/13/2023, called them entered my relevant phone, address, name, TWO security codes at different points then they hung up on me. Called back, same chase, eventually got Kris in the "Account Closure" department I guess, she was "unable to close the account until the Savings department sent my funds", enter Hannah in the Savings Dep't. Again verify my name, phone, address, hold 10 minutes, advises "she can't help and must escalate to higher department". I asked repeatedly what that "higher department" was only to be told "customer satisfaction" and later that she was "looking for a manager", another 20 minutes on hold. Hannah passes me to MaryElla claiming to be a manager who after I explain again, tells me she can't give me my funds, I need to do it myself via their website. I explain AGAIN, how their website won't allow it telling me to call...after warning me that she will hang up if I raise my voice, no cursing or threats, just loud, back on hold another 24 minutes. She returned to tell me she can't help me and took me on-line where I had to demonstrate that their system won't allow me to withdraw my funds. Again tells me she will "escalate to the proper department" and when i pressed for timing again heard "3-5 days"
Easy To Open Saving Account.
I was able to open the account via affirm website and also access the account via mobile app. Also I was able to add a bank and transfer without any problems. The limit per ACH transfer is 24,999.00.
DO NOT BANK WITH AFFIRM!!
I have been dealing with online banking for years now and transferring my money from one to another depending on the interest rate being offered. I had an Affirm account already but they had raised their interest rate on their Savings account so I transferred more money over to my Savings account.
They have since FROZEN my account basically treating me like a criminal, like I have illegal funds. I have called over the past two weeks and still get the answer that they are reviewing and will respoond within 3-5 days. I am Furious that I cannot access my own money! Do NOT BANK with them if you want the freedom to do what you want with your money,
NEVER EVER Deal With Affirm Or You Lose Your Money
afirm IS NOT A BANK !! Research them online !
affirm froze my half a million $$ on savings account and did not let me to withdraw any money for 5 months paying me minimal interest way much less than other banks. Every single time I called customer service they said they can't help me to withdraw and will open a case, or if I already called about opened case they promised to escalate it to some mysterious "next department" which has no name, no phone number no way to contact them. 5 months i heard from them "I understand your situation but I sorry, I can't help you" Eventually when I got my money back they never paid me an interest for the last month. My total loss because of the affirm was thousands dollars.
they are 100% fraud
Data as of Q1 2025
Health Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 58410 |
| Year Established | 2008 |
| Employees | 871 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.88% |
| Return on Equity - YTD | 7.16% |
| Annual Interest Income | $181.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $8.54B$8.91B |
| Loans | Q1 2025vs Q1 2024 | $6.16B$6.41B |
| Deposits | Q1 2025vs Q1 2024 | $6.56B$6.78B |
| Equity Capital | Q1 2025vs Q1 2024 | $1.04B$999.7MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $111MM$116.8MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $159MM$176.2MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |