Affirm

Affirm is reporting and collecting a charged-off BNPL loan for services that were not rendered. I disputed the transaction and credit reporting, but Affirm only updated the credit-report comment instead of investigating whether the merchant actually provided the financed services. I am disputing this Affirm loan because the financed services were not rendered. This is not a refusal to pay a valid debt. I am requesting a purchase/service dispute investigation, cancellation or refund of the loan balance, removal of charge-off reporting, and deletion or suppression of the negative tradeline from XXXX XXXX, and XXXX XXXX I dispute the validity and reporting of this Affirm account because the financed services were not rendered. Affirm is reporting this as a valid charged-off debt, but the underlying transaction is disputed because I did not receive the services financed through this loan.…

I used Affirm to purchase an item from the company XXXX. I never received the item. I have tried contacting XXXX multiple times to let them know and get a refund. They did not help me so I tried Affirm to let them know that I did not receive the item. They contacted XXXX to which XXXX showed them the proof of delivery from XXXX that it was delivered. I told them the picture included with the tracking information from XXXX was not a picture of my porch nor were any of the boxes large enough to hold the item I purchased. I filed a claim with XXXX which they denied because a signature was not required. I included a picture of my porch to XXXX and Affirm showing them it was not the correct house. I have researched XXXX online and they have complaints against them for providing fake tracking information and customers never receiving their packages and not being able to reach customer service.…

I am disputing responsibility for a financed laptop purchase because I never received the merchandise and believe the investigation into my dispute was incomplete and relied solely on an unverified delivery status. On XX/XX/2026, I purchased a laptop through XXXX XXXX using Affirm financing for XXXX, including interest. I received a notification on XX/XX/2026, stating that the package had been delivered. Although the delivery timestamp reflected approximately XXXXXXXX XXXX, I did not receive the notification until after XXXXXXXX XXXX that evening while I was at work. Because the package was allegedly delivered to a shared mailroom and not directly to my residence or personal possession, I checked the mailroom after work on XX/XX/2026. No package was present. I reviewed the delivery photo provided as proof of delivery. The image only showed a blurry box on a mailroom floor.…

Im writing to file a complaint against AFFIRM INC for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

I am filing a formal financial dispute against Affirm , Inc. regarding Loan ID : omup-hsik ( opened XX/XX/XXXX ). The total amount of this financing agreement is {$880.00} ( {$820.00} principal plus {$140.00} interest ). To date, I have already paid {$650.00} out of pocket. Affirm is currently demanding XXXX remaining monthly payments totaling {$220.00} ( broken down as {$82.00}, {$82.00}, and {$62.00} ). The merchant, XXXX XXXX, authorized a return under XXXX # XXXX and provided a prepaid shipping label. On XX/XX/XXXX, XXXX XXXX support staff confirmed in writing via their official customer portal that they successfully received my returned radio back at their facility and were processing a refund. Instead of routing the return credit back to Affirm to close this loan, the merchant has unlawfully kept the physical merchandise, kept my {$650.00}, and closed my support tickets.…

I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

I am filing this complaint regarding Affirms handling of a dispute involving a concert ticket purchase financed through their platform. I originally selected Floor F seats for a concert purchase. However, during checkout, the merchants system automatically substituted seats in Section 102 through what they later described as a XXXX XXXX XXXX used during high-demand sales. I did not realize the seat substitution had occurred until after the transaction was completed and the tickets were issued. The merchant acknowledged in writing that : * I originally selected different seats, * their system automatically substituted seats during checkout, * they refused to provide a refund, * and the tickets were non-transferable/non-resellable. After discovering the issue, I immediately purchased replacement tickets in the correct section because the original tickets were not what I intended to buy. I submitted this evidence to Affirm as part of my dispute.…

I disputed a transaction with Affirm after my order was lost in the mail and the merchant declined assistance. Affirm provided multiple days for the merchant to provide evidence. When affirm requested evidence from me, it gave me until XX/XX/XXXX to provide the evidence ; however, 7mins after the request was made, affirm decided the dispute on merchants favor based on lack of evidence on my behalf. When chatted with customer service, the reinstated the reason why the dispute was denied was because I didnt submit the evidence -in the 7mins lapsed between the request and the resolution-.

I am a deaf individual protected under the Americans with Disabilities Act ( ADA ). I require reasonable accommodations for effective communication. I use two separate phone numbers because of my disability : XXXX Number ( XXXX XXXX XXXX interpreter ) : XXXX Cell Number ( for texting/data ) : XXXX Affirms automated system flagged a phone number mismatch with XXXX due to my two numbers. When I explained my XXXX and requested accommodations, Affirm support staff were unwilling to help. They insisted on a standard voice call and refused to : Perform manual identity verification using my government-issued photo ID Accept both of my phone numbers Communicate with me only in writing ( email or chat ) I have contacted Affirm support multiple times through their online form explaining the situation, but they continue to refuse any reasonable accommodation. This has prevented me from completing the verification process and getting my installment loan approved.…

Good afternoon, I am filing a complaint against Affirm regarding the mishandling of my dispute involving a defective and misrepresented product purchased through XXXX XXXX Installments from XXXX. On XX/XX/2026, I opened a dispute ( Case # XXXX ) after receiving a desk that was advertised as a XXXX XXXX adjustable standing desk and after many months trying to work it out with the vendor as they constantly requested proof such as pictures, description, etc.. The initial shipment arrived in a soggy box with rusted metal components. I was instructed by the merchant to keep the defective items, and no return shipping label was provided despite the size and weight of the hardware. The merchant later sent replacement base components, however these were unbranded, generic, and incompatible with the bamboo desktop. After returning from travel, I hired someone to assemble the desk due to back issues.…

Affirm Inc. is reporting derogatory late payment history on closed accounts with XXXX balances, which is materially misleading and disproportionately damaging to my credit profile. I am requesting investigation into the accuracy and methodology of how late payments were reported. Specifically : Multiple late payment entries are reported despite account closure No current balance exists, yet derogatory history remains Payment reporting appears inconsistent with actual account activity Under FCRA obligations, furnishers must ensure complete accuracy of all payment data. I am disputing the validity of the reported delinquency history. Affirm Inc. is reporting derogatory late payment history on closed accounts with XXXX balances, which is materially misleading and disproportionately damaging to my credit profile. I am requesting investigation into the accuracy and methodology of how late payments were reported.…

I purchased a XXXX phone and earbuds using Affirm financing. I returned the items within the return period. XXXX confirmed that the refund and return were successful, but Affirm continues charging me for the returned phone balance. I contacted both XXXX and Affirm multiple times, but neither company resolved the issue. Affirm told me XXXX did not returned the full amount to them so I have to pay pay the rest of the money for a phone and a earbuds I returned. XXXX says the refund was processed, while Affirm says XXXX has not completed the adjustment. I am requesting that the remaining balance be corrected immediately, all improper charges stopped, and any negative credit reporting prevented.

I bought a wig from XXXX XXXX on XX/XX/year>. I paid in full through AFFIRM and waited 5 months for it to be made. I chose everything from the color, cap style, measurements. I received it several weeks ago only to receive a wig I didn't order. The color was red and I ordered XXXX XXXX. the hair was cheap and frizzy for what I paid for {$1000.00}. The cost was actually much more, but they were giving 30 % off for XXXX so it came to {$1000.00} The company sent me an email stating they refunded me in full and it would be up to 10 business days for the refund to show. The issue is with AFFIRM. I filed a dispute the day before the company agreed to refund me. The wig was sent back with a tracking #. I've called AFFIRM and sent emails from the company and they have yet to respond. I am entitled to a refund. They keep procrastinating on issuing it and with the huge 35 % interest rate I think its just not worth us I ng AFFIRM any more since they are refusing to refund.…

I was using Affirm for smaller yet more expensive items, school computer, household items. I have never missed a payment, I pay each separate " loan '' on time or pay off early. In XXXX of 2025 I noticed a " purchase '' from a dental company, I immediately called Affirm since this loan in the amount of XXXX was now showing on my account. I informed them I was unaware of this or what it was. I called the number of the company and got no response. I filed a dispute on line with affirm, and continued to try to reach out to this company which I later found out made false teeth. I have my own teeth and cant imagine anyone ordering dentures on line!! I continue to pay ALL of the loans that I have purchased items with. I have also received ALL of the items I purchased. I did not purchase this item or anything like it, nor did I ever receive this item or anything like it.…

XXXX XX/XX/year> Disputed 3 times company is showing fake delivery details I showed real tracking they keep siding with merchant XXXX XXXX XXXX Also showing counterfeit merchandise and other consumers report same problem no delivery fake product and fake delivery confirmation

I am filing this complaint regarding an unresolved account servicing issue with Affirm that has resulted in my account being locked despite my repeated attempts to resolve the matter in good faith. In 2025, I used Affirm for a purchase and successfully paid the balance except for a remaining one cent ( {$0.00} ). The remaining balance is tied to a bank account that has since been permanently closed because I changed banking institutions. I have repeatedly contacted Affirm to resolve this issue and complete the payment. I informed them that the original bank account can no longer be accessed or reopened, and I requested to update my payment method to a new bank account or simply pay the balance using my debit card. I even offered to pay more than the amount owed just to resolve the issue. Despite these efforts, Affirm has refused or failed to provide a workable solution.…

I have two installment loans with affirm : Loan ID XXXX Apple {$3000.00} Loan ID DTIC-RGTL Apple {$730.00}. On XX/XX/XXXX a credit in the amount of {$470.00} was applied to the wrong loan ( XXXX ) in error it should have gone to DTIC-RGTL. I contacted customer service and was denied by the initial person and supervisor XXXX XXXX who would not assist with the matter any further. I would like the credit to be applied to the correct loan.

CFPB Complaint Letter Subject : Complaint Against Affirm , Inc. - FTC Holder Rule & FCBA Violations- Loan for XXXX XXXX XXXX Consumer Financial Protection Bureau, I am filing a complaint against Affirm , Inc. for violations of federal law related to Loan ID XXXX for a purchase from XXXX XXXX XXXXXXXX XXXX Summary of Complaint : FTC Holder Rule Violation - 16 CFR 433.2 Affirm financed my purchase of auto parts advertised as genuine Caractere Automobile brand. The parts arrived with identification/serial numbers intentionally drilled out, rendering them unverifiable and likely counterfeit. XXXX XXXX XXXX refused remedy. They said that I could return the items for a refund except I had to pay a lot of money to receive them so why am I going to pay a lot of money to return them? XXXX XXXX is attempting to say that these marks are accidental and that they come from the manufacturer like that. These parts are clearly counterfeit. Ive also filed a complaint with the FBI.…

Created an installment loan for an item with Affirm and upon receiving the item it wasnt the right one so I filed a dispute since the merchant didnt want to refund me. I provided all evidence and in just 2-3hrs affirm came up with the decision that they ruled in the merchants favor after I provided proof and proof

I am filing a formal complaint against Affirm , Inc. ( servicing XXXX XXXX Installments ) for a failure to conduct a reasonable investigation into a documented merchant non-delivery dispute under Loan ID : XXXX, in direct violation of consumer billing dispute protections. 1. THE CORE ERROR : On XXXX XXXX XXXX I updated my account profile with the merchant, XXXX XXXX, to my current permanent address at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, and deleted all legacy addresses. I placed two consecutive orders. Order 1 ( # XXXX ) utilized my correct address and was successfully delivered to my home in XXXX XXXX XXXX Order 2 ( # XXXX ), funded via Affirm Loan ID : XXXX, suffered a critical merchant IT database synchronization failure where the merchant printed a legacy, deleted address on the shipping manifest. 2.…

These loans are from XXXX XXXX, one for XXXX and another for XXXX. With affirm. I ran into some financial issues and couldn't pay, eventually the loan got charged off. It was transferred to a debt collector, XXXX XXXX, and once I got back on my feet a few years later, I settled it with them and paid. XXXX gave me letters to send to affirm of proof of payment/Settlement and they refuse to acknowledge. I got XXXX on a 3 way call with them and they still refuse to acknowledge the payments/settlements. They won't put the balance to XXXX or settle on their end. This is why Im filing this complaint cause I've tried to settle with with affirm and they won't settle or acknowledge even with proof.

On XXXX XXXX XXXX, Affirms automated system falsely flagged my legitimate {$400.00} purchase as a fraudulent transaction. I immediately contacted customer support via chat, verified my identity, and explicitly confirmed to the representatives that the transaction was fully authorized and necessary. Instead of restoring my payment plan as requested, the Affirm representative voided the loan entirely. Affirm has already processed and withdrawn my {$200.00} down payment from my original payment method, and the agent informed me that it will take 3 to 10 business days for the money to be refunded. Because Affirm is holding my {$200.00} down payment due to their own system error, I am financially gridlocked and unable to reapply for the purchase today. Affirm has refused to immediately release my funds or offer a $ XXXX override to fix their mistake, causing me immediate financial hardship.…

I am filing this complaint regarding the handling of my dispute with Affirm related to a returned purchase financed through their platform. I purchased shoes through a merchant using Affirm financing and later returned the item after concerns regarding authenticity. The merchant approved the return, received the item back, and later confirmed by email that a refund had been processed. However, no refund was ever reflected through Affirm or XXXX. The order continued showing return in progress, and the merchant did not provide proof of the refund transaction. I disputed the charge with Affirm and submitted supporting documentation including return tracking, screenshots, and merchant emails. I also experienced technical issues with Affirms dispute upload portal and had to email supporting documentation separately because the system would not allow uploads through the dispute link.…

I am submitting this complaint against Affirm regarding a disputed XXXX Buy Now Pay Later transaction that Affirm repeatedly refused to properly investigate despite substantial evidence showing the order was cancelled. The disputed transaction amount is approximately {$610.00} associated with Product ID XXXX. On or around XX/XX/year>, an XXXX order financed through Affirm was cancelled. Amazons own order records clearly show : - Cancelled by XXXX - Your order was cancelled- You have not been charged for this order I submitted screenshots and documentation to Affirm multiple times proving the order cancellation and refund-related activity. Despite this evidence, Affirm repeatedly closed the dispute in the merchants favor and continues attempting to hold me responsible for the balance. Affirms denial emails state : Affirm lacks sufficient evidence from customer and/or merchant.…

The company did not provide any information I informed them after I received a deduction of XXXX for a payment to an affirm that the debt of over XXXX was not mine. Then the account was charged off and placed on my credit O have never received any communication or reply No email correspondence or notification or follow up I have asked them to remove the debt and negative reflection from my credit report

I am filing this complaint against Affirm , Inc. regarding two buy-now-pay-later loans ( IDs XXXX and XXXX, XXXX Order # XXXX ). The financed items ( couch, counter-height table, and chairs ) arrived damaged or non-usable. The couch would not fit through my apartment door and was taken back by the delivery driver. The counter-height table and chairs arrived severely broken. I was directed by a XXXX customer service representative during a phone call to assemble the furniture myself and take pictures of the damage. I assembled them myself ( taking about 6 hours ) and photographed the damage as requested, then sent them the JPEGs. I never made any payments because the goods were unusable. XXXX issued only a partial refund for the couch and refused to refund the damaged table and chairs.…

I saw that my account was charged {$700.00} by Affirm.com. I also have my own account with them and I know I did not make that payment. I contacted Affirm through their support chat and they confirmed the charge was not from my account, but from someone elses. They refused to help me further and just told me to contant my bank. Affirm refused to locate the account with my bank account info and Im afraid theyll also refuse to cooperate with my bank. The person with my checking account still has my information any might keep withdrawing from my checking account.

On XX/XX/year>, I returned a purchase to XXXX XXXX associated with Affirm loan XXXX. On XX/XX/year>, I received an email from Affirm stating that my refund had been received. Because I have two loans through XXXX XXXX with Affirm, I was asked to confirm which loan the refund should be applied to. When I selected the option to apply my refund, I received an error code on the Affirm website. I then attempted to resolve the issue through the Affirm app by navigating to loan XXXX and requesting the refund be applied there, but I was unsuccessful. After contacting Affirm customer service, I was assured that the refund would be applied to the correct loan, XXXX. However, on XX/XX/year>, I received an email stating that the refund had instead been applied to loan XXXX. I immediately contacted customer service again and spoke with multiple agents, including a supervisor, for over an hour. During my first call, I was disconnected.…

On XX/XX/XXXX, I discovered a fraudulent personal loan transaction under my Affirm account. Since it was during the weekend, I had to wait until Monday, XX/XX/XXXX to contact Affirm and report the fraud. On XX/XX/XXXX, I also reported the issue to XX/XX/XXXX and placed a fraud alert on my credit profile for security purposes. After contacting Affirm, they removed my access to the account due to security reasons and informed me that the loan had supposedly been issued by an entity called XXXX, which obviously appears to be fraudulent and not legitimate. I was told that an extensive investigation would be conducted and that it could take several weeks to complete. However, I was literally contacted the very next day and, without any meaningful explanation or proper investigation details, I was simply told that I was responsible for paying the loan, despite the fact that I never requested, authorized, or benefited from that transaction in any way.…

Account Information : {$470.00} Account Balance : {$110.00} Opened XX/XX/2021 XXXX