r/Affirm • u/Shehadathought • 15d ago

So, I guess Affirm doesn't want to get paid since they won't let me log back into my account

So I always had a great history with affirm. But in the winter of 2025/2026 I was financially struggling and became late more than a few times.

I finally caught up though, even made some advance payments but I guess by that time, they had officially ruled me delinquent.

Well, fine. They don't have to approve me for anymore purchases, but the bizarre thing is, when you don't have good credit with them anymore, they log you out of the app permantely and your blocked from it. This is something I found out after researching.

How inane is that? How am I supposed to make my payments to finish off the last bill that I have? I don't get why they made a rule to not allow you to log into the app any longer when that's the only way you can pay them and no, I'm not searching for their phone numbers that they change often and go through a complication just to pay my bill off when they made a ridiculous rule.

I guess I just wait for them to call me.

6 Upvotes

67% Upvoted

24 comments sorted by

8

u/Globewanderer1001 15d ago

There's a customer support line to call.......😒

-4

u/Shehadathought 15d ago

i've already tried they didn't fix the issue

3

u/RuhninMihnd 14d ago

They couldn’t take your payment over the phone?

-1

u/Shehadathought 14d ago edited 14d ago

When I first called about the issue of being not being able to log in, they told me they would fix it so that I would be able to log in and pay through affirm. At that time I did not know that I had already been perm locked out of it, I had no idea that was even a thing. They didn't even tell me that. I just thought it was an app error. They said that support was going to email me with in three days and that was two months ago almost but they never did.

I'm not calling back because that was a very long and time consuming process, especially when nothing was done about it.

I will wait for them to call me to collect payment.

4

u/RuhninMihnd 14d ago

Some backward ass thinking you’re gonna fuck yourself to stick it to a company who obviously doesn’t give a fuck and why would/should they

lol

-1

u/Shehadathought 14d ago

I guess you don't understand they already f**ked me. Do you not know how to read? They already considered me delqiuent, even though it's not true. So they f*** themselves from getting paid. Makes no sense. Like I said, they will call me and I will pay them but I am not going out of my way to call them. Why you getting all mad?

6

u/RuhninMihnd 14d ago

Main character syndrome

0

u/Shehadathought 14d ago

Well this post is about me.

-2

u/Top-Ad-5994 15d ago

Why? The locked him out

-1

u/Shehadathought 14d ago

Right? I thought it goes without saying that I contacted support as well.

2

u/bloopbloopblooooo 13d ago edited 13d ago

All your doing with this post is showing how financially illiterate you are, it’s doing nothing for you or cute in anyway. I don’t know if it yours fault by choice or you were never taught, but now that you have the option if you don’t try and only get better from here you have only you to blame.

I’m sorry you fell on hard times I wouldn’t wish that on anyone and sincerely wish you well and hope you’re back to getting sturdy on your feet again.

However, it’s your account that is in limbo, it is your financial obligation you entered into an agreement with them lending you the money or spotting you the credit for said purchases and it’s your life you have to take control or no one else will and you cannot blame anyone for yourself, but you.

As much as it sucks no one but you will be able or ever care to save you. So it’s your responsibility to handle this, to call and talk to them regarding the account, and to inquire about paying things off or how to and possibly getting back into your account to do so.

Where in the hell did you ever get the notion the world is to wait on you? 😅😬

That’s absolutely insanity reading what you wrote in that regard. If you are old enough and can consent to taking on debt, you’re far along enough you should know how to take care of yourself

You’re severely nieave which isn’t an excuse because now that’s been made aware to you it’s up to you to do something about your financial literacy severe deficit it seems you have or you’re so comfortably ignorant and think the world owes you something when that mindset will knock you flat on your ass like it has already started to.

Have you checked your credit? This without a doubt has affected it negatively and will be on your history and report for the next seven years, that’s a long time of trying to find places to live if you rent, trying to get a mortgage for a house to live and survive in having shelter, if you need a car to get to work and you try to finance it, I mean do you understand how bad this can screw you over being this negligent wether by lack of education or choice?

If you don’t want to fall on hard times again I suggest you shape the fuck up and take this seriously and apply it to every other financial aspect of your life

1

u/Shehadathought 13d ago

Yeah, I'm not reading all that. I'm happy for you, sad for you, congrats, wish you the best.

1

u/bloopbloopblooooo 12d ago

Yet you took the time to reply? And you’re not cute, you’re very immature and I hope you find your way in life one day, your immaturity will be your down fall if you don’t straighten up real quick.

I mean this in the nicest way possible, but it’s probably at least part of what landed you in hard times prior to now. Get it together

2

u/Master_Chevron 15d ago

I knew that I was behind on payments too so what I did i worked more hours and did some overtime to pay them all in one payment what I owe them was about $7,000.00 that took me a month and half to get the money and they didn’t kick me out mission accomplished it was so hard to work so many hour’s And they still letting me use there service.

1

u/Shehadathought 14d ago edited 14d ago

You did not know that they would kick you out from the app altogether, just like I didn't know.

1

u/Master_Chevron 14d ago

Yeah i didn’t know

2

u/Relative_Length_7246 14d ago

wow....this conversation is good to know for my information. I also use affirm. I find it better than using credit cards actually. But i will definitely keep this in mind about late payments. I never been late but u can never say never anymore with the cost of living being so high. Thanks for sharing.

1

u/Shehadathought 14d ago

and I can't blame them, I was late 5 months in a row, even though I eventually stopped being late and paid off 3 loans at one time and made a couple of advance payments for the one that I had left. It was just once or twice. I take full responsibility for my actions in this. I just think it's ridiculous to lock out of the entire app and make it hard for me to make payments.

1

u/Additional_Mail_399 13d ago

They absolutely do not log you out if you have bad credit with them. i owe them quite a bit outstanding for over a year and i can completely access the account. I just don’t have purchasing power which is expected.

1

u/Shehadathought 13d ago

Oh yes the do and they did. You can even google it and the information comes right up. They lock you out of the whole app once they consider your credit not good with them anymore.

1

u/Additional_Mail_399 13d ago

From directly Google as you said: “No, Affirm does not lock you out of the mobile app if you fail to make a payment. You will still be able to log in to your account to view your loans and make payments.While the app remains accessible, a missed payment has immediate consequences:Loss of Purchasing Power: Your spending limit will almost certainly be reduced to $0, and you will not be allowed to open new payment plans until the past-due balance is cleared.Credit Reporting: Late payments are reported to credit bureaus (Experian and TransUnion) if you are 30 days or more past due.No Late Fees: Affirm does not charge late fees, but missed payments will still damage your credit score.If you are experiencing financial hardship, Affirm offers tailored assistance and hardship support. You can manage your loans and make payments by logging directly into the Affirm App”

What they do is stop extending further credit. your app does not get “locked out” of unless you were the one that did so or they suspect you of fraud. So either you’re looking up the wrong information or there’s quite a bit you’re not including.

2

u/F_U_Snowflakes 10d ago

I’ve been good about my payments. Almost done. But yeah. Was logged out. I put my phone number and then verification in. It looks like it’s loading. Then goes back to login screen. Reinstalled app and everything. The desktop site still works though. iOS problems maybe.

0

u/Medium-to-full 15d ago

Guess not... oh well