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Do you think Affirm, Inc. is not playing fair? You have rights under the law and we can help you at no cost to you. UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business.


If Affirm, Inc. violated the law, you may be entitled to money damages and Affirm, Inc. will pay our fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 312-300-5996 for a free consultation.

What is Affirm, Inc.?

Affirm, Inc. is a publicly traded financial technology founded by Max Levchin in 2012. It’s based in San Francisco and runs legally as Affirm Holdings, Inc. The company operates as a financial lender of consumer installment loans. 

In October 2017, Affirm, Inc. launched an app that allowed consumers to loan purchase at any retailer. In 2019, Affirm, Inc. partnered with Walmart and had estimated revenue of $510 million. 

Affirm, Inc. Address, Phone Number, and Contact Information

Store Location
650 California St
San Francisco, CA 94108

+1 855-423-3729
Store hours unlisted

Billing Errors

A primary issue against Affirm, Inc is their obscure billing/payment terms. According to the complaints, Affirm, Inc has forced its customers to pay for errors on the company’s part (like unreceived products). This also resulted in Affirm, Inc. failing to update its financial report regarding its customers, resulting in false reports on delinquent payments.

Falsifying Information

According to some individuals, Affirm, Inc used a fake number for non-existent accounts under their names. The company also refused to update credit reports to show a borrower’s loan was fully paid and had failed to send an email notification regarding a loan that was never made by an individual.

Defective/Unavailed Products

Some of the products leased or bought through Affirm, Inc. did not work properly or have stopped working soon after delivery. There were also outdated products sold as new items. These issues worsened thanks to the difficult refund process consumers have had to face. 

Refund Request IssuesConsequent to getting broken or defective merchandise, consumers also had problems refunding products they weren’t able to use like airfare and hotel booking due to the pandemic. Under a state emergency, consumers expected some flexibility and understanding from Affirm, Inc but were ultimately left disappointed with how they were handled by the company. Poor Customer Service

Affirm, Inc’s clients also complained about shady billing collection. According to the complaints, there were individuals receiving emails regarding loan payments they did not apply for. When these complaints were aired out to customer service agents, Affirm, Inc’s employees apparently screamed and banged customers’ doors upon initiating contact. 

Unfortunately, these complaints are just the beginning for Affirm, Inc. Between customer service issues, contract issues, and defective products, Affirm, Inc. customers are left wondering what options they have regarding their consumer rights. 

We Fix Complaints When Customer Service Won’t

Has Affirm, Inc. used misleading sales tactics? Have you received poor service? Do you have complaints with billing? Do you want customer service at Affirm, Inc. to listen?

A lot of Affirm, Inc. Corporation customers aren’t happy with their service and the Better Business Bureau lists 635 customer complaints against the company in the past three years, including complaints for billing and collections practices, problems with a service/product, advertising and sales, among others.  

If your complaints haven’t been heard, we can help. At Agruss Law Firm, LLC we help customers who have been mistreated by big companies–much like Affirm, Inc.–and we turn your complaints into resolutions!

We’ll not only file your legal demands with Affirm, Inc., we’ll negotiate with the company. If your claim isn’t resolved through these negotiations, we’ll work through the legal process that is outlined in your Affirm, Inc. contract, which is typically arbitration. 

Agruss Law Firm, LLC gets results–including zero balances, refunds, and other compensation. 

Here’s How to Make Big Companies Listen

It can be frustrating when you rely on a service and don’t get the results you’ve paid for. Big companies make mistakes every day and not only is it their fault, but it can also cost you money, time, and leave you with big headaches. 

Have you tried calling Affirm, Inc. to address an issue, only to be told that the representative has no authority to do so? Or maybe you’ve tried talking to someone higher up in the company, only to be ignored, dismissed, or they take too long, continuing to waste your precious time. Maybe you’ve sent an email to the company which only resulted in a prefabricated response or they never follow through with what they’ve promised. 

When you’re limited in your choices for service providers or you’re locked into a contract, what can you do?

Fortunately, you do have options. 

Use Arbitration to Settle Your Complaint

Most companies like Affirm, Inc. have an arbitration clause in their contracts to prevent being taken to court for traditional litigation. This is actually an advantage for the consumer. When you request an arbitration hearing, an independent third-party (the arbitrator) with knowledge of the type of situation involved will listen to the facts from both sides and make an impartial, binding decision. Affirm, Inc. will have to do a lot of work and there is no guarantee that they will have a successful outcome. 

Arbitration is Fast, Inexpensive, and Private

Arbitration with Affirm, Inc. is conducted through the American Arbitration Association (AAA). According to the AAA Consumer Due Process Protocol, arbitration through AAA will comply with their Statement of Principles, which includes:

  • The process is fundamentally fair – All parties are entitled to qualified, competent, impartial arbitrators who will conduct a fair hearing.
  • You get access to all relevant information – This includes reasonable costs, confidentiality, reasonable time limits, and meeting times and/or locations that are agreeable to both parties.
  • Transparency – AAA provides clear arbitration agreements and the ability for each side to hire their own representation.
  • Just process – Arbitration allows the arbitrator to award the same relief as traditional litigation in a binding decision. 
  • Alternative to arbitration – Mediation and the ability to take the case to small claims court should be available in some cases.

Arbitration Gives you Control and Leverage

When Affirm, Inc. is alerted that you plan to pursue arbitration, they know it will cost them money out of pocket. Not only do they run the risk of losing the case, but they will also pay for their mistake(s) and the arbitration itself. This gives you more leverage with your demands. 

If Affirm, Inc. doesn’t meet those demands and you have a real complaint, Agruss Law Firm, LLC can help by representing you in arbitration where you will get a fair, just, and transparent hearing.

Control and Leverage Triggers Faster Settlements

Large companies like Affirm, Inc. don’t like the uncertainty and loss of control that comes with arbitration. Not only do they lose the advantage in the situation, but you’re also on equal footing with them in the eyes of arbitration. 

The first step in taking on Affirm, Inc. is to formally raise your complaint. The lawyers at Agruss Law Firm, LLC can help you to do so. We will send a letter of demands to the corporate offices of Affirm, Inc., letting them know that you’re ready to begin arbitration if a satisfactory resolution is not achieved. Typically, this is 30 days, but it will depend on your specific contract with Affirm, Inc. 

Approximately 50% of cases will settle before proceeding to an arbitration hearing during this time. However, if Affirm, Inc. doesn’t offer a reasonable settlement within the appropriate time frame, the next step would be filing a case with AAA. Agruss Law Firm, LLC will not only put together the necessary paperwork for arbitration, but we will also help you take the next steps in the arbitration process. 

UDAAP and Arbitration

UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business. This includes misrepresentation, deception, false advertising, or false promises. These laws emerged following the Dodd-Frank Wall Street Reform and Consumer Protection Act that was enacted in response to the 2008 financial crisis. The ultimate goal with these laws is geared towards protecting consumers involved in financial transactions, educating consumers on their rights, and allowing them access to information and resources to best inform their decisions.

UDAAP laws are regulated by two organizations, the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC). The FTC expanded the initial UDAAP laws in 2004 to include unfair and deceptive acts and practices. Some standards for unfairness, in particular, include if it causes or is likely to cause substantial injury to consumers, the injury is not reasonably avoidable by consumers, and the injury is not outweighed by countervailing benefits to consumers or to competition.

Every state has UDAAP laws, which can vary widely. However, the lawyers at Agruss Law Firm, LLC understand these laws and can use them to get compensation for deceptive practices, representing consumers throughout the country in cases of arbitration at no cost to them. The company will not only pay the consumer, but they will also pay my fees as well. The consumer will never pay me a cent.

If you’re dealing with an issue with Affirm, Inc., you might try filing a complaint with the BBB or the customer service team with Affirm, Inc. Unfortunately, these avenues won’t always lead to a successful resolution for you, the customer. Instead, you may want to consider an experienced arbitration lawyer to take on your case. 

Arbitration is a very useful tool for resolving disputes, and Agruss Law Firm, LLC can help. With our expert guidance, we bring the big companies to the table and provide the support needed to get your bills corrected, credit reports fixed, improper fees refunded, and more. Let us pick up the sword for you; you have nothing to lose.

How Do I File a Complaint Against Affirm, Inc.?

We will use your state’s UDAAP law to file a complaint in Arbitration on your behalf at no cost to you.  UDAAP laws include misrepresentation, deception, false advertising, or false promises.  Under your state’s UDAAP law, you are likely entitled to money damages for your actual damages.  Plus, the other side will pay our fees and costs.  You will not pay us a penny.  These laws emerged following the Dodd-Frank Wall Street Reform and Consumer Protection Act that was enacted in response to the 2008 financial crisis. The ultimate goal with these laws is geared towards protecting consumers involved in financial transactions, educating consumers on their rights, and allowing them access to information and resources to best inform their decisions.

People, First

We are proud to serve consumers in arbitration cases. We see you as a person, not just a client – and that makes us better at the work we do. We listen. We learn your story. And, as we help you get the money you deserve, we go above and beyond in a way most law firms never could and never would. Because we’re not just lawyers. And you’re not just a client. We’re friends, neighbors, family. We’re all people and here at Agruss Law Firm, we put People, First.

Share Your Complaints Below Against Affirm, Inc.

We encourage you to post your complaints about Affirm, Inc. Sharing your complaints against this big company can help other consumers understand what to do when they have problems with this company.  Sharing your experience may help someone else!

We are listening

We will respond to you at lightning speed. All of your information will be kept confidential.

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Submitted Comments

David and Stephanie
1 week ago
Defective merchandise - 3 times!!! Paid through Affirm. Mattress warehouse refuses to correct it and affirm won’t either! This is AFTER a third party deemed merchandise defective!
Courtney Violette
1 week ago
Affirm locked my access to my account. It was after a fraud situation however when I try to regain access through customer service they say they will send me an email to reset it and they never send the email. When I call back to inquire why I didn’t get the email they claim they have no acknowledgment that I called the first time. Every call I get the same message and a “promise” that they personally will send the email and it never comes. The kicker is I have to wait 3-5 business days to “receive” this phantom email. This has been going on for over 6 months
2 weeks ago
I purchased a program via Affirm from Calibrate. Calibrate was canceled due to non availability of physicians for over a month but would not extend the service for that time. So I canceled, I have called affirm and they keep closing the case and calling me several times a day and emailing. I have received nothing from Calibrate for my return of funds. They may be another company for you to go after lots of unhappy customers right now.
2 weeks ago
I ordered a pool table that didn\'t ship within the time frame they stated so I canceled the order. I contacted Affirm many times by email and by phone and sent them all correspondence email document
2 weeks ago
Affirm, Inc. has stolen money from me twice. They are currently charging me for a fraud purchase that was canceled and returned by Verizon Wireless. I can not get them to stop billing me. In the past they charged me for an item that was backordered and never delivered.
3 weeks ago
Affirm report inaccurate information
3 weeks ago
Much rather speak to someone then type it.
1 month ago
I was victim of a scam I feel was within their organization and Affirm holding me responsible for the debt and I did not make any of the charges.
2 months ago
I used Affirm alot. No issues. Last year May 2022, I hired someone to build & transport 2 cages for my pet caiman lizards. I paid using Affirms virtual credit card. $1,010 was paid to Rocking T\'s Property Restoration. This merchant didn\'t use PayPal or Cash App or Square. They used Stripe. I don\'t know how that stuff works but anyway I received an angry email from merchant stating that I cancelled payment. I never cancelled anything. They forwarded the email they received from their payment processor stating the customer cancelled payment because it was unauthorized blah blah blah. Anyway I attempted to contact Stripe. No luck. You have to have an account. The issue: I paid the merchant but the payment processor wouldn\'t release the funds to them. I contacted Affirm. I provided evidence & they opened a dispute. I kept checking my account & it stated \"in progress\" for 4 months. In October it stated \"Charged Off\" & that\'s the only thing I ever found out about my dispute. I called customer service & was told the account was charged off for my failure to pay. Dispute was never resolved! I logged into my account & it said \"in process\" yet again. I received an email Feb 1, 2023 & was told dispute was resolved in merchants favor. I\'m responsible for remaining payments. Feb 2,2023 I check my email so I can get the number to call Affirm to find out if I can appeal their so called resolution & there\'s another email from them stating as of Feb 2, 2023 the remaining amount is charged off! Huh? Why? During disputes they don\'t accept payments. So why charge off for failure to pay? Also I know for a fact they never contacted the merchant becuse I\'m in constant communication with them. I had to pay them when the payment processor refused to release the money from Affirm. They have tried numerous times to get Stripe to issue a refund & Stripe stated they would do so. Still no refund. Now I can\'t pay Affirm if I wanted to. Their policy states no payments during open disputes. Plus how can they charge the same account off 2 times? They\'re ruining my credit. I want to be reimbursed for what I had to pay the merchant. I doubt they even looked at the evidence they requested from me. The merchant agrees with me. Affirms decision is based on bull****. I hope you guys can help me. I went to the arbitration website but the fees are over $900. Thank you.
2 months ago
Affirm over-charged me interest and refuses to refund me, according to the language clearly stated in their loan terms.
2 months ago
Affirm charged my 4 times yesterday for a purchase where I had an amount due. They attempted to charge me a 5 time. They now have 600 dollars that does not belong to them and sent an email saying it was a glitch. When I called in yesterday the representative said there was no one I could escalate this to. They essentially stole money from my account that I need and that did not belong to them
4 months ago
affirm has orders that I did not make and I submitted to them proof of 1 such purchase that I did not make at Amazon with proof from Amazon
4 months ago
They are refusing to raise a dispute for a failed transaction with Airfrance back in june 2022. I sent all evidence, communication from the merchant saying the funds should have reversed, the merchant emails saying that the transaction did not go through. Even affirm email saying that the transaction did not go through. They are stealing over $750 by just saying they don\'t have enough evidence to support the claim. No one is trying to help and dispute department is not trying to raise the dispute . So they stole my $750 plus the payments I am still making toward my loan which will be over $1500
4 months ago
Selected affirm as a payment option at Target- items were cancelled bc they were not in stock- and items were never taken into my possession. This was Nov 9th. Affirm states my “loan” took effect on Nov 14th! Target had already refunded them on No. 9th. I had provided all documentation from target and proof of refund to affirm- yet affirm is telling me no refund was ever sent and that I am still liable for the entire amount. This is INSANE! HElllllp!