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Denise S.

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3 Reviews by Denise


DO NOT give your bank information or credit card information to these people. I paid $10 as a down payment on my electric bill for Central Hudson Electric. They use KUBRA for their payments. I had a bad feeling. 8:30 that night I got a call from the fraud department at my bank. Someone in CANADA tried to use my debit card numbers to get. 10 out of my account. Hmmm...$10/. 10. It took me all day Sunday to realize the only place I used the card was to pay the electric and the two "tens" was suspicious so I went on KUBRA website https://kubra.com/, and sure enough there's a call center in Mississauga, Ontario CANADA! I had to go to my bank, get a new debit card, and then I went ape on the electric company. Someone from KUBRA was supposed to call me and still hasn't. When and if they do I want to press charges. For things like this from now on I'm going to get a Vanilla pre-paid debit card from Walmart (not the Walmart one they have too many fees). Put exactly what I need on the card and use that to pay. Be very careful with these payment companies.

Tip for consumers:
DO NOT use a credit or Debit Card. Buy a re-loadable Vanilla card at Walmart and only put on it what you need to pay. It's about a $4 fee to add money but it's worth it...trust me.


I previously wrote about Affirm, the financing company that uses Crossroads Bank for their financing. They falsley advertised in the begining to get people in and said they don't check creit scores. Then they got this bank, Crossroads to do their dirty work and the do a "soft" credit check. I've been doing business with ReaReal, the consignment clothing site for two years. I have never been late and have paid my loans early. I got into an altercation with Affirm when they turned me down for no reason. I fought with them for treating a good customer like trash because they are too lazy to handle their own accounts and have a bank, that I have read has gotten into hot water for doing bad business, do their financial accounts now. All of a sudden they gave me a site credit and I bought a few things, just paid off a few and wanted one item for an event I have to attend. I got turned down because they said their "points system" with Transunion said I had delinquent accounts. I have one and the credit card doubled my bill and I can't get them to look into it so I won't pay it until they do. I have other credit accounts all paid to date. DO NOT deal with Affirm. They are sneaky, get people hooked on nice things they normally can't afford even with a regular credit card unless it has a high limit, and then they comb thru your personal records and send you a nice message on Affirm that you don't meet their standards. Affirm is a scam that as I said before has admitted to using algorithims as well to deny people. They don't want to do the work. Steer Clear of them. Unless you're a trust fund baby or white collar worker with a fat bank account backing up, they don't want to know you.


They deal with a financing company called "Affirm" that some wonderboy from the Ukaraine supposedly founded. At first it was great. They didn't check my credit, which needs improving so I was able to pay loans for items from RealReal and I was building my credit. Then they changed what they told me was their "agorythms" on the computer. I kept getting turned down for $30 items. I never missed a payment and paid things off early. A few items were in bad shap when I got the, holes, loose buttons, etc, but nothing major... then I find out they do their financing thru Cross Country Bank. This bank has a very bad reputation. They tell me they can't help me because Affirm (Cross Country) is a 3rd party company. No more Real Real. They lost a very loyal customer.

Denise Has Earned 18 Votes

Denise S.'s review of Affirm earned 5 Very Helpful votes

Denise S.'s review of The RealReal earned 13 Very Helpful votes

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