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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,
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
They have frozen my account with no reason for a month, and I have not been able to withdraw my money. I called the customer service and the rep could not tell me why my account has been frozen. The rep told me he would talk to his manager and would get back to me within couple days. They have not returned my call for 2 weeks. Stay away.
If you put more that 250k to savings, they will froze your account, you will not be able to get your money back for months. Then they send your money back to you and keep the interest.
DO NOT DEAL
You will loose an access to your founds after they will freeze your savings account. You can call the customer service asking to recover your account access as many time as you wish, but all you will get just promises.
As of today they keep my $1million for several months, It is a fraud, will go to police to report.
They freeze my account with no reason. I can not get my money back for months !!!
I find out affirm is NOT a bank, but it was too late.
NEVER NEVER NEVER
I was able to close account and get money back by writing letter to FDIC. File online
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CA Dept. of Financial Protection & Innovation
Affirm, Inc. is a Delaware corporation and Affirm Loan Services, LLC is a Delaware limited liability company, both with principal place of businesses located at 650 California Street., 12th floor, San Francisco, CA 94108.
Cross River Bank is routing number used for Affirm & I was told they are the FDIC Bank that backs Affirm.
Cross River Bank
885 Teaneck Rd, Teaneck, NJ 07666
(201) 808-7000
From my online searches I found the following about Affirm:
Affirm is a financial technology company founded by former PayPal executive Max Levchin
GO to banking protection services in State where you live. Try FDIC for Cross River Bank. If anyone gets results, please share
Broken app does not allow access to savings. updated it, still not working. Re-installed the app and still locked out because the app does not send the verification email. They don't have a website for accessing your account without the app. Scary reviews for this "bank".
Unfortunately I am facing the same issue as some other folks. It has been 6 weeks since my savings account was frozen. I've called at least 4 times and sent two help requests to no avail. Supposedly the problem is being investigated by the audit department but the customer service agent has no direct contact with them. Complete lack of info and transparency. I have never faced this problem before. Affirm is proving to be entirely inept. I would caution everyone to stay away from this company.
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.
I have been fighting a charge that wasn't mine. I have contacted Affirm a number of times and each time I have to explain. They said they will investigate and put a block on my account. But yet I received an email that my account is a charge off and been reported to my credit. Total BS. This is not my account and I refuse to pay for something I did not purchase.
Customer service sucks
Affirm SUCKS! there are many better options. They are a sham and select on what they approve u for. Which is mostly garbage!
One star is generous. I’d give 5 minus stars if I could. I have great credit and purchase many things, but affirm is beyond horrible and not worth it!