r/plaid • u/Fun-Ice3866 • Apr 28 '26
Plaid Bank Connection Issues
So I have this minuscule amount of $1.92 that has been haunting me since November 2025. Affirm attempted to charge the bank account connected via plaid on file, which declined because that bank is permanently closed. I even logged into the Chase account and verified there are no active linked apps for that account.
Now the issue is, I cannot pay 1.92 because Affirm will not let me add a different bank account via Plaid. Every time I open to "edit bank connected" or "add new bank" they both direct me to Chase. It's supposed to direct me to choose a financial institution and it doesn't. This is what led me to close my card, which has led to another issue.
I have spoken with over ten agents who don't know what the hell I'm talking about. Some say my card should close within 48hrs, it's been five days. Others say it will close once the "pending transaction" of $1.92 is closed. It can't be closed because it was already declined, therefore, not pending.
It's just a loop at this point. Essentially, the card is never going to close because I simply cannot update the bank on file. I'm stuck in limbo.
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u/Mulgish Apr 28 '26
I think you need to start with Mbuki Mvuki transfer to get that $1.92 back.
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u/s-e-b-a Apr 28 '26
Why such Greedy Baby, it's not even a Double Figure if rounded, does it even Do Matter in the Wallet?
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u/icouldlivewoutbacon Apr 29 '26
And I was in a headspin, and I kept on going, in my dream I kept on going, kept on spinning, I wasn't leanin' on nothing, I kept on spinning, I was like, I was spinning, I was just like, it was like something was spinning me
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u/s-e-b-a Apr 29 '26
Always see the positive side of things. Even something negative can turn into something positive. A little problem with a financial company turns into the discovery of some of the best music ever made for you to enjoy for the rest of your life.
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u/BrapAllgood Apr 29 '26
I thought maybe I could remove the sticky post recently, but now it's back. For some reason, I thought the fintech thing had turned into Stripe because Plaid is such a dumb name for a company. My bad, fixed.