Affirm, Inc.

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 There were also outdated products sold as new items.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.

Submitted Complaints

I have been attempting to withdraw my money from Affirm. The accounting and history of my account gets deleted every time. On Monday, I withdrew $25,000 and received an affirm email confirmation then Tuesday, I withdrew $24,000 but no email confirmation from Affirm; then today, I withdrew $23,000 but no email confirmation from Affirm and noticed that my attempts of withdrawals from Monday and Tuesday were deleted off of my history and accounting. I’ve been missing out on investment opportunities in Crypto because I have no access to my funds.

Michael Agruss Headshot

Hi Val. Give me a call at my office so we can discuss the issues you have with your Affirm INC account and your withdrawals. Thanks, Mike

Affirm has been sending me emails stating they are going to send me my refund in the amount of 784.00. I have several emails with them stating they will do so, but I have yet to receive anything. At this point I want the whole refund not just half.

Michael Agruss Headshot

Hi Ashley. I'm sure it is frustrating trying to deal with Affirm INC and your refund. Give me a call at my office so we can discuss this further and see if we can help you to get your full refund as quickly as possible. Thanks, Mike

Have tried to get a refund for a purchase but have not got any results or no response

Michael Agruss Headshot

Hi Kali. I'm sorry you haven't been able to get the results you've wanted from Affirm, INC. Let's talk more about this and see what we can do to help. Give me a call at 888 572 0176. Thanks, Mike

I purchased a TV at Target using affirm. The tv ended up being defective. I ended up getting a different one at another store. Target processed the return yet Affirm never canceled the loan. I filed a dispute with them in January. I was outside their normal return window but they opened one out of courtesy. I sent in the proof from Target showing not only an invoice directly from Target showing the return,but also it shows up on my account in Target. The dispute has been in process for over 2 months while I continue to pay on loan to not affect my credit on an item I returned. They said the completion date is June which I find unacceptable as I provided the necessary documents. I wish to file to not only get my money I have paid but also seek damages of 150 plus pay for any legal fees to process this.

Michael Agruss Headshot

Hi Chris. I would be happy to speak with you about your issues with the television from Target and your Affirm INC loan. I am going to give you a call but you can also reach me at 888 572 0176. Thanks, Mike

My grandmother paid off the rest of my loan with affirm in September 2021, accidentally cancelled the payments and when she realized what the payments were she had the bank send the payments through on October 6 and ever since I’ve been fighting with them because they claim they never got it. The bank says they did, the money is not in the bank anymore. So the bank told me I need to call local police to file a complaint so they can call the local police where affirm is, and my police told me that based off this information I should talk to an attorney.

Michael Agruss Headshot

Hi Zaya. You were given good advice to seek out legal help in this situation. I am going to give you a call so we can discuss what options you have in dealing with Affirm INC. Thanks, Mike

I ordered an item from a company called BFYNE. I never received my items. The company did not ship it. I reached out to affirm in multiple occasions via email and telephone who did not respond. Now I am being harassed because I disputed the transaction with my bank, who returned my money.

Michael Agruss Headshot

Hi Celeste. I would be frustrated over this as I'm sure you are. I would be happy to talk this over with you--give me a call at 888 572 0176. Thanks, Mike