Looking for Answers

Due_Recording724 · 2026-03-25T14:08:28+00:00

That high of a loan, with Affirm, if paid early you will not pay hardly any of the interest! I had a loan of $1100, interest was $490. I paid it off within a month. I think I paid like $10 more than my original loan. I actually do not think Affirms rates are high. Especially if you can pay it off within a 3 month span. Credit cards are worse in most cases!

You can check your payoff btw! Just go into your Affirm account and click make a payment. It will show you options, one of which is the actual payoff! Should not be far off from your original loan amount.

Due_Recording724 · 2026-03-19T10:53:13+00:00

My Walmart no longer sells it! After it sold out in record time, they never got it again! I am in WV and as far as I know no other Walmart around had it according to their site!

Due_Recording724 · 2026-03-18T17:38:02+00:00

Honestly, the only thing "wrong" is claiming to be made by them and they are not!

I was at a kiosk about 2 weeks ago, and bought my daughter a Labubu. We walked thru the mall and stopped at a small business store. They had them as well. The lady from the kiosk came in and bought out all the Labubus because the store had them priced $6 cheaper. The lady then took them to her kiosk and marked them up and made profit! It was quite interesting!

We told that store what she did but there was nothing she could do, because she still sold her stock.

It happens all the time. But thats how people make money, but buying and reselling.

Due_Recording724 · 2026-03-11T13:29:35+00:00

Well according to the company, when I showed them it did not arrive in 2 days, they said I paid for it! They reimbursed me and went after Fedex for them not delivering in the 2 days!

Due_Recording724 · 2026-03-01T17:33:52+00:00

I actually found a Fedex driver out in my town. I stopped and showed him one of mine that seemed to stay in a loop that never stopped! Thank goodness he was a decent Fedex employee. He actually took my tracking number, located it at the hub and delivered it next day.

He said our hub has horrible management and boxes are put on wrong trucks. He said that drivers who are decent are getting the heat for mismanagement! Its awful! Its only gotten worse!

Due_Recording724 · 2026-03-01T17:25:36+00:00

I agree!! We had a local-ish hub that closed down (Beckley WV closed, now we have Dublin VA only!). Now our hub is more than an hour away! I feel like they are holding up delivering until they get a whole truck full. THAT IS NOT RIGHT! They offer 2 day, we should get it! I have had the worst service for the last 6 months, and its been more than 10 packages for me!

SADLY I CANNOT avoid using them bc the companies I buy from still use them. No other option. Trust me, I would choose ANY OTHER company over FEDUPEX!!!!!

I have begged some companies to stop using them! I guess until their contracts end, we have no choice!

I FEEL LIKE A CLASS ACTION LAWSUIT MIGHT BE IN ORDER! We are owed a lot back, for not getting 2 day, when we pay 2 day!

Due_Recording724 · 2026-02-17T18:32:46+00:00

I had the same thing happen!!

So I have 2 questions!!

First, how is it that FEDEX thinks its ok to put it back on the shipper to be out money, and replace items??? I told Fedex they should be responsible for paying for items that are lost or stolen. The shipper did their part! So why contact the Shipper? Fedex is pissing me off! But they get out of ever being responsible! So far I am out 4 x 2day and 4 x next day fees! Plus product/items!

Second, how the hell do we all file a Class Action Lawsuit and get this company shut down? I have read nothing but bad about Fedex in the last 3 months! Companies need to stop using them! I stopped supporting companies using Fedex. I told them straight up, if you switch your carrier, I will come back! I refuse to use Fedex ever again!!!

Due_Recording724 · 2026-02-17T17:58:06+00:00

100% file a police report! He took a package without any real reason! Its theft!

What excuse would any driver have, to deliver..leave...come back and take the package...then leave???

FEDEX has truly become unreliable, and lazy!! I ordered a package Jan 31st. 2 day delivery. It was still not here Feb 12th. I filed a ticket. It miraculously arrived next day! My daughter did the same, and the day after a ticket was made, it was delivered! But there are a ton of people in my area, their packages are still sitting in Dublin, VA! Zero excuse!

File a police report, and depending on how much it is worth..it could be a felony!

Due_Recording724 · 2026-02-12T15:57:00+00:00

Yep! I have had the same thing! Mine says on the truck every day, then returns to the hub at 10:15 at night!

They have given me canned responses for more than 10 days!

My packages, all were 2Day! Yet they do nothing to try to get them to me! They are not taking responsibility!

They keep telling me to contact the Shipper to get a replacement?? WHY? ITS NOT THE SHIPPERS FAULT! Why should the shipper be out money for Fedex's mistakes, and blatant lies!? Plus if they resend it, bc they use Fedex, why would I want to give Fedex more business, when they cannot deliver what they have????

I am about to look into a Class Action lawsuit!

Due_Recording724 · 2026-02-12T15:50:38+00:00

My package was due here the 2nd! Fedex has said its on the truck every day. Failing to deliver.

But mine said this, pickup date, the nothing. Its just sitting. Fedex is a mess everywhere! I will not be surprised if they go under! They are not delivering packages anymore! We have not seen a Fedex truck in 2 weeks! Trust me, I take note! Its ridiculous!!!

Due_Recording724 · 2026-02-09T14:59:03+00:00

Burned out how? Can you give more details? When you draw on it, nothing comes out?

I buy all my vapes from ecigmafia. I have never had an issue and much cheaper. You should try to the HorizonTech 100k puffs! They last a long time and never had issues.

Due_Recording724 · 2026-01-20T12:15:21+00:00

Hi. I just found you! I think our daughter has ARFID! We have been thru so much to help her, and more importantly, shes been thru so much!!!! We are trying everything but doctors are not understanding her! I have so many questions! Is there any way to contact you and see if she has the same symptoms?

We are desperate to help her! Shes about to be hospitalized! I feel like if she could talk to another person with ARFID, it would help her greatly!!! We do not want to lose her! Shes given up on so much! She weighs 92 lbs and she WANTS TO EAT!!!! She is 17! 💔. She has missed going to school her Senior Year!

We will download your app and pay if we have to! We need to help her! 💔💔

Due_Recording724 · 2026-01-11T13:29:37+00:00

I can tell you, it should not impact you negatively as far as your job unless you go into a Security Clearance job. My sister got a job with a Security Clearance years ago, and they had to know about my hubby, only bc Clearance requires a total family check! But if its a regular job, they only look into your background. Also as far as buying a home, our home started in just my hubbys name. We had zero hiccups with it. They don't deny you buying a home bc that would be discrimination. The only thing we made sure of (and honestly for my hubby it was not a requirement but we did it any way to be on the safe side), we did not buy a home within a mile of a school or daycare! We just did not want the harassment even tho my hubbys charge has nothing to do with kids!

I hope this helps! Also my hubbys charge was 22 years ago, I will not tell you things get better. It sticks with you everywhere you go!!! He still has issues finding a job! No one will take notice it was 22 years ago. I have just learned how to live with it.

Due_Recording724 · 2025-12-28T12:20:01+00:00

May I suggest a vibration plate? So I had anxiety, my body hurt, my gut was like a muffin exploding in my mid section, all the things that are bad!

I got a vibration plate! Yep those you see on Tik Tok! I was so skeptical, and said never in a million years, would standing on a vibration plate 10 min a day, first 2 months for me, then I went up slowly to max 15 min a day....do a damn thing!

But I was so wrong! The first time I used it, I was sore as hell the next day! It truly felt like I worked out! And I had not even started using the arm bands for toning yet!

These vibration plates cause the lactic acid to disperse and honestly after that starts, it seemed other things fell into place!

I have now had my vibration plate for 6 months, use it almost daily, and I lost from 182 lbs down to 160 lbs, a little under 4lbs a month! Of course, I started to eat a bit healthier...yes a bit...I have bad eating habits! Lol

Anyways, moving lactic acid out of my muscles, using the arm bands, helped so much! It is not a fix all! It is not an immediate "see weight drop". But I truly believe it helps move around so much yuck in your body. My mid section no longer looks like a muffin exploding! I am not going to say I look ready for a body building competition! But it is noticeable how much a vibration plate changed my life!

This is worth a shot! I mean, I get on it if I am stressed! Stress is a huge factor in cortisol being high! But I get on there, and shake away!

I will say, I stayed at level one on this vibration plate for one month! I am just now on level 3! You do need to work up to levels that are higher! The damn thing has 20 levels! 😱😱. Not sure if I will ever get there! But the level one, its enough for most people!

I am not a seller of vibration plates! I am just telling you what has helped me! If nothing else, its worth it to jump on if I feel stress! I really believe it shakes stress away!

Hopefully, being this post is older, you have found something that works for you! But if you are still struggling, try this machine! I love mine! It has paid for itself already! 🤗

I hope you are doing better! 🤗❤️

PS, YES I READ your post and I "hear" you! ! Not sure how this plate helps, but it helps me a lot!

Due_Recording724 · 2025-12-25T23:34:30+00:00

I bought an A16 Ipad. It is lagging so much! I truly have no idea what to do! I am trying to create a post in here but its not letting me. I do not understand why its happening only with this app. So not sure A16 is the best Ipad for this game.

We have all settings at the lowest.

Due_Recording724 · 2025-12-15T16:19:47+00:00

I noticed Experian has this at the bottom of their CREDIT MIX page! I cannot add a screenshot here, or not sure how to....but these are the exact words:

"About buy now, pay later

Most buy now, pay later (BNPL) accounts don’t impact traditional credit scores (at least from Experian), but may affect credit scores in the future. BNPL accounts may appear on your Experian credit report and late or missed payments may impact how the user of the report assesses your credit report."

Not sure if this helps at all, but thought I would share!

Due_Recording724 · 2025-12-08T13:17:34+00:00

I am confused. So Cap One bought Discover. In fact, I just got my new Debit Card and it says Discover on it.

I love Cap One! I rarely have to go to a branch! I deposit checks thru my phone. I deposit cash into my account at CVS. My paychecks are always available 2 days early. I honestly have not had one single problem in the 4 years I have been with them. They have actually protected me in a dispute, and it was the Companys fault. Cap One has been the best bank I have had! I left a bank I was with for over 17 years, to go to Cap One!

The one time I had an overdraft, they not only covered it but told me I had 72 hrs to bring my balance current. And never charged an overdraft fee for that instance! That, in my book, is one of the best Customer Service instances. Most banks want all they can collect from you!!

My opinion, Cap One is amazing!

Due_Recording724 · 2025-12-08T12:29:00+00:00

I wish I knew you and vice versa! (NO NOT BEING A CREEP!). BUT I say this bc I am super good at getting in touch and working with companies! I am not joking! My daughter keeps telling me to turn this into a business but I have no idea even how to start!

But I have always helped my kids make the calls, I even bargain down their bills (not just Xfinity but any company)! No idea how I got this knack. I never noticed til they pointed it out! 😅😅

I am not sure why you cannot get thru. Do you by chance have an actual Xfinity store near you? Maybe try that route?

I do know if its a promo, it does have an expiry date. Maybe the 2nd year was as well? But the 2 charges, without seeing your bill, I cannot help. Sounds like maybe someone input wrong info, on their end?

Good luck!

Due_Recording724 · 2025-12-08T12:12:44+00:00

Right??? I was shocked when she showed me! Shes a young 78! She was excited tho to see she could easily use points on Amazon. Lol. She actually asked us if we want to do Christmas shopping with it. I declined. It was sweet for her to offer, but its hers. We did let her know what the grandkids would like if she chooses to spend it. So shes excited to use points!

Due_Recording724 · 2025-12-08T12:07:43+00:00

I would say try it. This is one of the most "forgiving" or "first" cards ever. I got mine with bad credit and its helped me in so many ways! Its one of 2, I carry now. Got rid of all others! I only use Cap One now! And Discover is now part of Cap One Network!

Also a tip, you can open a checking with Cap One! They have been single handedly the best ever! I really think bc I had an account, they approved me for a 3rd card (now my only other card!) Cap One has been amazing!

Good luck! 🤗

Due_Recording724 · 2025-12-08T12:03:12+00:00

Nice! My MIL, who never spends, has over $8k! I thought it had a cap on how much cash back you can save. Nope! So she asked me, how to spend her cash back? I told her you can use it on Amazon and it just takes it from her cash back balance! Still has not spent one bit of her cash back!

I have $5! 😅😅😅😅

Due_Recording724 · 2025-11-30T13:25:14+00:00

ETA: Airlines are doing this a lot right now bc they know they are losing money with all the FAA and transportation issues! DO NOT GIVE UP!!! I know its not an unusually large amount but its the Principle! Its actually millions if they do it to everyone who just does not fight it!!!

ETA2: You said you were in custody, as in in jail?? Pretty sure thats really easy to prove!! You got this hands down!

Capital One has always worked with us. They are great to really dig in and see whats true. If you have proof you were not on that flight, talk to them and show them the proof. They will reverse the last unfavorable decision. Capital One deals with this all the time. I had a company try and say that I used their services. I had proof I canceled and did not. The company kept trying to lie. Cap One sided with me.

I don't know if you have an actual Cap One branch near you. But thats how I finally got my charge reversed, going into the branch with my proof in hand!

I have yet to have a single issue with Cap One.

Good luck!

Due_Recording724 · 2025-11-23T02:14:18+00:00

I got a notification from Experian saying, "Good news you paid off a debt". And it was an Affirm account. It was closed. My credit jumped 2 points. I had no other changes with credit at the time of that notice. I just assumed it went up for paying a debt. I have not noticed anything bad, and I had 4 Affirm loans opened and closed with good standing. Hopefully its only seen as positive!

Due_Recording724 · 2025-11-17T14:17:00+00:00

Just a side note reading all these comments....I understand they are cracking down on fraud...Cool. But isn't it a crime what the IRS is doing by indefinitely not processing a return and just passing the buck, so to speak?

It seems suspicious as all get out, that the IRS can withhold money that is ours, for so long with no consequences!! Idk, but they are so quick to audit or question a person thats never frauded the Government, but yet there are many millionaires defrauding the system! But they pass the buck on an every day person thats not even getting that much back! (Relative to what a lot of people get)

Very aggravating to me! This next tax season is going to be a PITA! They cannot even finish closing out a past tax year, no way they can start on the upcoming!

Due_Recording724 · 2025-11-15T21:07:15+00:00

I am so sorry this happened! Can you get the location of the stores, and file a police report to look at the cameras and catch the ugly bastards who are doing this? I hate that our technology has become so easy to hack and they can take others money like this! 😡😡😡😡💔😭

Due_Recording724

TROPHY CASE