Ryan Montcalm

Since Affirm’s AI is so stupid and low quality, I will just treat this as a fraud crime and report it to my bank and get my money back that way. It’s a very simple problem. They would not let me cancel this loan and pay it back for about a week. In the meantime, they charged my checking account $110 for interest I guess and there’s no way to get it back. What’s ridiculous is the loan itself has been totally paid off. The $110 they illegally took from my checking account is over and beyond the loan itself. Their AI is so stupid it cannot figure that out.

Even though they have obviously communicated with trust pilot as well, their system of customer service still fails to let me stop the loan that is still in processing. All I want to do is stop the loan which would automatically stop the processing of that loan, but there will not let me do it. They have also illegally deducted $110 of interest from my checking account.


Everything has been fine with them up until now. They are AT LEAST three days late in approving my latest deal. I want to go ahead and pay the loan off all in one amount, but there is no way to communicate with them. All of their support is AI they have no working phone number. There’s no way to contact them AT ALL WHATSOEVER.
I do not recommend them and I will be ending deleting my account as soon as I get everything paid off. Very perplexing and confusing situation.

[Receipt ID 117370189]
[Transaction ID 8SJ9092325789411E]
Look forward to mostly terribly-confusing AI assistance that really doesn’t result in much but LARGE amounts of zero-yield wasted time. I was trying to migrate my YouTube channel to my own domain but I eventually gave up - - virtually impossible.
One Agent even told me if I upgraded to "Business" (hosting I guess[?]), that they would custom design my website to my specifications. I hadn't heard anything back in at least 3 days from this "Web designer". Finally a 3rd party person contacted me after supposedly designing a "prototype" site that I would approve, but instead (he had done nothing) he told me I'd need to upgrade to whatever Tier is above business and I'd need to make a much bigger investment. I immedately cancelled the upgrade and decided to try and do it myself. I found the whole thing to be just a huge disappointment. I've just decided to keep my YouTube channel like it is and not migrate it. Should this be this difficult? Hmm, not too sure.

I paid $75 for this. It constantly goes off-line, regardless of what the alleged tech-support people tell you on the phone to relocate the syncing device here or they’re closer to the router closer to the doorbell. It never stays online. I just lost $75 of my hard earned money for nothing.

I need a new computer!! This software is great, but I think my computer is too slow.

Discount Tire, 100 Loop 288 & McKinney, Denton, TX
The absolute worst. I’d made a 2:15 PM appointment. On the phone I verified at least three times with the guy that it was in fact, the loop 288/McKinney location. I got there just a few minutes after 2 o’clock and waited in line for like 15 or 20 minutes. I asked one of the guys if I had made an appointment did I still have to wait in line. He said yes. So what’s the use of making an appointment?? The people who told me where to park were really rude. Screaming. When I FINALLY got to the desk. The guy told me I didn’t have an appointment, and asked me if it was the right location. I said yes. He said if you wait longer than 10 minutes, your appointment disappears. I said I’d just walked in the door right after 2 PM. He started making excuses, basically just saying nothing…I just left and told him I didn’t wanna do business with them. What a useless company! They’ll probably be out of business within a year.

They continue to charge me $7.99 every single month and I haven’t used them in like at least six months. There’s no way to login… I’ve changed my password, countless numbers of times.They have no customer service and there’s no way to contact them. They do not answer emails either.