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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 There were also outdated products sold as new items.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 Mike Agruss Law 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. 

Mike Agruss Law 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, Mike Agruss Law 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 Mike Agruss Law 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. Mike Agruss Law 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 Mike Agruss Law 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 Mike Agruss Law 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 Mike Agruss Law, 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!

Phone Numbers Used By Affirm, Inc.

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

3 days ago
Affirm refunded money to a closed bank account. Claim they don’t have it. I have bank statements proving it wasn’t deposited. They won’t listen and are completely bulling me
1 month ago
Unfair practices & false records
2 months ago
I applied for Affirm to get last minute airline tickets. The policy never said it took 2-3 days for approval. With any other company, you know on the spot if you are approved and if you don’t hear anything, you will get a denial letter a few days later. Being that I wasn’t told I was approved , I went ahead and booked a different flight. Now they are telling me I owe over $3600 . Very misleading and made to think you aren’t aproved when they don’t mention it could take a few days. Can I do anything with this?
2 months ago
Hi! I have a really unfortunate situation with Affirm. I financed a purchase through them, and the company that I got the product from turned out to be a total scam. They sent me a broken product, which they even admitted to via email and said they would refund me, but then they ghosted me 4 months after sending that email. I have issued 5 disputes with Affirm but because I\'m out of the 60 day window, they don\'t even care and keep tellnig me the same thing over and over. The company, is now even fully out of business and after further research on their website and Instagram, I am one of MANY customers experiencing this issue with them. An absolute scam and AFfirm does not care. Let me know what the options are here, I can\'t even believe how terrible Affirm is being as I have plenty of evidence to show this company is fraudulent.
2 months ago
Affirm let my ex wife use my account and rack up 5000 in loans . 1700 of it went into collections and after expressing this for over a year nd asking to be removed from the account they let her continue to use it and ruin my credit .. they refuse to help .. it\'s fraud and yet they do nothing but demand I pay for loans I never took out .
2 months ago
I have been calling affirm since 2020 that they illegally opened an account using my social security number with my ex husbands name. Three years I have been calling and emailing and they refuse to help me to close the account that the illegally opened using my social security number that he is using in his name.
2 months ago
I place a order for almost 7k using affirm for a suppercharger kit that was supposed to be brand new but what I received was used, damaged and modified parts and incomplete kit. Was not new as advertised. The computer part of the kit was a knock off imitation that also is broken. I purchased from the manufacturer directly Urd that gave me the run around and offered no fair solutions. So I then filed a dispute with affirm the first time they acted like they didn’t receive the information, photos videos and complies of the emails between me and the seller along with screen shot and links to the seller website showing the what I received was not what I order and that the seller policy page was left blank. So I filed again but this time affirmed d has responded at all. I made the mistake of paying the loan off in full prior to receiving and inspecting the order. I we also use affirm at work and notice they always always side with the seller regardless if the error is on the seller side
3 months ago
I applied to Affirm and was denied based off allegation that the \'first\' time I applied, the company could not identify who I am. Though I\'ve never applied before, I was immediately rejected for the same reason. I sent the company an email requesting what the process is for identification so that I can fill in the proper required information. I was denied yet again. I have a credit score of around 790 and pay all my bills on time. It would be nice to be able to pay for larger items overtime. I feel as if I\'ve been wrongly rejected from the service.
3 months ago
Affirm claiming I open four account with them. I never open any account with them now I have four account from them on my credit report. I contact them but they saying now I don\'t have a account with them but its on my credit report
3 months ago
Affirm financed the wrong amount on a loan and has so far overcharged me $96 and will not, provide a refund and close the loan or cancel future payments due.
3 months ago
Affirm unlinked my bank account so that I am unable to withdraw funds from my Affirm Savings account. They are holding nearly $6,000 of my money and customer service will not help. It\'s a technical issue on their end.
3 months ago
Affirm 30/60 late payments on credit report.
3 months ago
On December 22,2023 I made a purchase of gift cards from Target. The order was for gift cards. Most of them virtual gift cars. The total purchase amount was $550. I chose the finance with Affirm option. I had to put a down payment of $82.50. I put in the wrong recipient email for four of the gift cards which were $50 each for a total of $200. Well those four gift cards didn’t go through and Target canceled that part of the order almost immediately. That was before Christmas so I waited until after Christmas to check if my loan from Affirm would be adjusted. It was not so I contacted Affirm who said to contact Target.. The woman from Target said I had to wait until Jan. 1, 2024 when the hold would fall off. Well I did and my loan still didn’t get adjusted. I contacted Target and Affirm again. They are playing the blame game. I do believe the issue lies with Affirm. I received cancellation emails from Target the day of my order. I’ve contacted Affirm numerous times about the issue and they keep telling me it will be resolved in 3-5 business days. I’ve contacted them at least once a week starting January 1st. One representative even had me email the emails I got from Target canceling the orders. I still haven’t had a resolution and my first payment is coming due January 28, 2024. I need some help resolving this issue. I don’t know what else to do. Pleas and Thank you for any help you can give me.
3 months ago
I purchased a set of winter tires from Nightmotorsports online website December 12th. I financed it with Affirm for $2059.75. On December 14th Nightmotorsports called to tell me the item is on backorder and there was no ETA on them getting stock. The Rep told me to cancel through their website. So I did that. I received a email of confirmation that they received my Support Ticket of cancellation. Time goes by the order is still active so I contact Affirm and dispute it, submit evidence and 14 days later (Jan 5) Affirm ruled in the favor of the merchant, that Im responsible for the loan even though the merchant failed to cancel order/ship it. So I call Affirm open another dispute on Jan 10, telling them I have not received my item (tires) and it\'s been nearly a month. I submit the evidence again. Now Jan 15 once again Affirm favors in the merchant. I speak with Affirm telling them I have not received my purchase and won\'t be because the company told me to cancel because there is no ETA on stock. So now Im on the hook for monthly payments of $131 which I made a payment already, for a item that I have not received nor likely to ever receive. I contacted the Nightmotorsports they guy claims he has forwarded my cancellation to the Accountant department, but according to reviews, they do this all the time and still will not cancel orders.
3 months ago
I ordered items for my car. One of the items did not work and the other item was incorrect for my model car. I tried reaching the vendor like Affirm requested me to do. The vendor would not contact me. I sent the items back and have a receipt from UPS. Meanwhile Affirm changed my case number 3 times so that no one responded to my complaint. I called so many times trying to see if they made a decision. Never heard from them til they decided to send me to collections. I have video proving that the items were either broken or incorrect for my car which Affirm asked me to send. I finally found out that the reason Affirm wanted me to pay for the items is that they paid the vendor, but the vendor refused to reply to any of their inquiries. This vendor is in China. I feel I was scammed and instead of Affirm helping me out they just want their money. This issue happened back in September 2023 and they dragged this out for months saying they would make a decision but never did. They just kept changing the complaint number and asking me for proof of the broken items.
3 months ago
Charged twice for items I don’t have. The items came to $25.98 but they say I owe them $135.00. Numerous phone calls that were useless. I believe they are scammers.
4 months ago
They have charged me almost 600$ on an account I never opened and have no knowledge of im not really sure how they got my info but it showed in my credit report as a new account so I called and they will not give me any info on said account
4 months ago
Hi, I have an account on my credit affirm that I have disputed multiple times with all three credit bureaus. I have no active account with them. A balance of 150.00 has been damaging my credit. I have lost more than 90 points as they are damaged. I complained to them and the credit bureaus. Even though I never bought anything from them they are there damaging my credit. Is there a way to get legal help to remove it.?
4 months ago
Having an open loan, that Shopify advised they would close on behalf and submit to Affirm as product was returned and merchant shop was closed. I need assistance with getting the loan closed and removed. I am going in circles.
4 months ago
Affirm was suppose to have a monthly contract someone changed it to be paid off while I was at work. I called immediately, they said they were refunding the money and rewriting the loan due to it was suppose to be monthly and they seen I didn’t make the change. I was never refunded & never got the item. A new target purchase is there which I thought was the loan changed to monthly. Today I find out that it’s a totally different loan & I never authorized it. I’ve been getting codes sent to my phone. I have people getting into my account some how. I also was suppose to receive the product from the first loan and I never received. This second loan is not the loan rewrote up and it’s a new loan for something they claim was a mistake. It’s going against my credit. I was suppose to receive refunds for both “target” loans never did. I’m fighting it again. Someone is using my affirm account. I called several times about receiving log in codes for affirm that I was not requesting plus my password and codes to enter the account were changed. I left them know and they are still charging me
4 months ago
I ordered two pieces of fitness equipment from an Arizona based company, online. I am in California. Financed through affirm for about $2000 on one purchase, $900 on the other. Seller failed to deliver on the first purchase on time, I requested a full refund. Seller insisted a 15% restocking fee would be deducted although I never received product. Seller continued to refund me minus 15% without my consent. Affirm would not issue full refund and denied my dispute. Had an issue with the second purchase being faulty. Affirm again would not hear me out.
4 months ago
I purchased an item using affirm. My wife did not recognize the purchase on our bank account and submitted a dispute. I quickly informed discover that the purchase was legitimate and they released the chargeback. I have been disputing with affirm about this chargeback since September. I have overpaid the account by $220 to attempt to keep the account status clear. They have just charged off the account due to non payment even though I have provided bank statements showing otherwise.
4 months ago
Affirm was double charging me for an accoun that I did not have with them, but are refusing to return the money to me.
4 months ago
I would like to file a complaint against affirm.
4 months ago
I had an fraudulent account opened with affirm in my name. I have filed and made a complaint with them regarding the account. Completed an affidavit with all information showing the account is fraud. It has been two months and they keep giving me the run around.
5 months ago
Affirm violated FCRA, accepted my negotiable instrument for payment,but refused to credit the account,reported account as late although they claim they don\'t charge late fees.
5 months ago
I was scammed by a business whom I purchased a service through Affirm payment plan, $3,500. The business did not perform the service as agreed upon and then blocked me. I contacted Affirm to dispute charges and give 58 supporting documentation, the business scammed me and did not complete services. Affirm informed me because the business website has no refunds on their website, (which was not there when I purchased), I am responsible for paying the full $3,500 loan.
Gloria J
5 months ago
Affirm billed me twice, but when check it\'s always an Amazon order. I checked this out and there were two (2) Buy Now Pay Later loans. On calling the company, I was told someone in my home is using my phone! I explained that I live alone. No help whatsoever!
6 months ago
Affirm created an account using my information (I never used affirm) and then authorized multiple charges in my name. I called to place a fraud alert the second I received the 7 email confirmations. They said they put a fraud alert on my account, but then they went through and confirmed all the purchases in my name. I don’t know what to do. I can’t see who is making these fraudulent purchases or how they got my info and affirm won’t stop them. I filed an identity theft report with the government.
6 months ago
For the pass four weeks I have received a barrage of telephone calls emails and text messages pressing me for a payment of $84.28 I have advised Affirm that the order #114-4028669-0659435 have been returned. The merchant claims they issued a refund that should have been forwarded to Affirm. Loan ID: 6QVE-4H4R Oct 08, 2023 AFFIRM INC has flagged your account as 90 Days Past Due on Oct 03, 2023. Source: Experian Company: AFFIRM INC Address: 650 California St Fl 12, San Francisco, CA 94108-2716 Phone: (855) 423-3729 Activity: Grid Code 3 (90 Days Delinquent) Balance Date: Oct 03, 2023 Balance: $1,614.00 Return/Refund Status Details Trading Computer System Dell Precision... $1,399.00 Refund issued $0.01 refund issued on May 25, 2023.
6 months ago
Affirm is saying my account is past due 120 days as of June 2023, however I have a letter (multiple letters) verifying that my loan was paid in full on 6-17-23 and on 9-27-23 according their records. I was informed by an agent that the Bank of America claim I filed for not receiving the merchandise the loan funded triggered an investigation that required them to process a chargeback on September 30 after my loan had been paid off, and the system automatically recognized the loan as past due and initiated a chargeoff immediately. The agent confirmed that it was a system flaw. I have bank statements showing I made my payments and was notified my loan was paid in full back in June and in September 2023. I was never previously notified of the system generated past due chargeback potential or of that chargeoff potential until it was already initiated. The records are inaccurate and I need this removed please. These payment issues due are a result of fraud.
6 months ago
Affirm is really making it hard to pay them. They tell me over the phone I am all paid up for the month. Somehow I get other loans . I have been a loyal customer with Affirm but I get lied too by customer service. I am really sad and on a fixed income.
6 months ago
I wanted to know if there is any legal action I can take against Affirm? For three months they have been taking two unauthorized payments from my account for loans I do not have. The ones in August that came out caused my rent payment to be returned and I was charged almost $300 worth of late and NSF fees, from which my complex will not return even though I advised it was due to fraud. The same amounts came out in Sept and then again in October. I have contacted Affirm’s customer care team multiple times and even escalated it to a supervisor and all I kept getting told is it will be escalated. I was hoping to get resolution before Oct in fear they would deduct again when my rent payment is scheduled to post in Oct and will receive late fees again. I sent a complaint to the BBB and the company didn’t respond. I emailed the CEO and their Chief Legal Officer and got no response from them. I later got an email from Affirm stating they have looked into my account and see that the amounts don’t belong to any of my loans and to get with my bank for chargebacks for someone using my card. But my card is not listed on any of my accounts, however, my banking information is. They did no research to see what loans those payments were tied to or try to stop the payments from coming through. I didn’t know if it was a typing error or if someone actually stole my account information, they told me nothing. I kept advising that if I report it as fraud to my bank, they would no longer let Affirm take out my payments for my open loans. I can’t tell you how frustrated I am, especially being a single mom in this economy and being the sole financial provider for my kid. I didn’t have $300 to waste on late fees due to their error and they have taken out $350 with of unauthorized payments. I feel helpless to know that I am just out of this money with no recourse. Can you help?
7 months ago
2 fraudulent Affirm loans were created from 2 Walmart orders made in August of 2023. I have talked with Walmart and proven that the purchases were not made from my Walmart account, but one similar to mines using my email and accessing my affirm account to make the purchases. I am on my second investigation with Affirm after they deemed the first to be false leaving me to pay for the loans. I have reached out to Affirm almost every other day throughout this month for more information on the current “investigation” but only get the same a investigation is taking place we will make a note for the team to contact you with more information and no one ever does. Now after not paying the September 10th bill they are now emailing and calling me asking to make a payment and threatening to harm my credit. I do not believe they are investigating my case, but are instead just going to try to force me to pay for something I did not purchase or damage my credit.
7 months ago
After several correspondences, Affirm is refusing to release me from a debt I do not owe as the transaction never went through. I attempted to secure a flight with Hotwire and there was an error with the app. Hotwire has sent me an email confirming there is no record of a purchase. Even with this proof, there is no resolve. I have written them three times since June and I am still appealing. I am exhausted and need help.
7 months ago
I wanted to purchase a house plan with modifications to suit my custom home. I received wrong product. The author of the original plan did not want to modify his plans. The reason to deny modifications was that the vendor who sales these plans did not instruct or inform the author that I wanted a modified plan. Because of the vendor’s error I tried to reason with vendor, author, and Affirm about a refund to no avail. I seek Justice, help.
7 months ago
Affirm is in default w/ dishonor as they refuse to perform a discharge or mutual offset. They failed to provide a notice of dishonor & refused to provide their legal/corporate contact info.
7 months ago
We never had any business done with affirm. Affirm have been withdrawing fund from my business account for past 4 months. After I reported the fraud to affirm and they said they will stop but another withdrawal from affirm appeared on my business account again.
7 months ago
I purchased a product through a scam website (didn\'t realize) financed through Affirm under a different company name that was never delivered. I called Affirm and said it was a scam and to open a dispute within 30 days of purchase June 3, 2023. I called two more times and still no response and kept sending notices I was overdue on my loan. I finally filed a complaint with the BBB and as of 8-29-23 Affirm finally placed my loan into a dispute. The company the loan is under has no information about my purchase made through the other company. I did try to dispute the loan through Experian but they say it is accurate even though I have complained three times it was fraud and a scam.
7 months ago
My account was hacked for 10,000 dollars and change I filled out a fraud form and they won’t do anything about it I have very could credit and have always paid in full they did not even contact me to verify the large amount. In the past they have reached out to see if it was me I know it’s my word against theirs so I’m at a loss and customer service is no help
8 months ago
I purchased a custom dog crate through a private merchant. The payment method was affirm. Merchant didn\'t make the crate. I had the date pushed out further 2x. Merchant cancelled order and refunded. Affirm says they didn\'t get the refund. I\'ve spent hours on the phone. I have confirmation in writing but affirm says I still have to pay them. I disputed it on my credit card so they sent my account to collections for them to harass me. I keep sending affirm all the proof of the Merchant rescheduling expected date, refund info and such and filed two disputes. They just keep saying I owe cause I\'m outside the dispute window... but the first expected date for the crate was 12 weeks and they said i only had 60 days so how was I to know I\'d need to dispute. They are crooks.
8 months ago
Affirm Inc is not being honest and transparent in following banking, lending laws.
8 months ago
My account was changed to someone else’s name and now it no longer shows I owe on my account yet I keep receiving emails about im in collections I’ve tried to pay it at first since i did receive the goods however I wasn’t able to after the name changed on my account. I use to have a 4000 credit with them never was i late and always paid my loans off up until this happened. Every time I call they say I don’t owe anything and the accounts I give them are not mines but still connected to my address and phone. Currently I can’t get approved for anything with affirm despite my account doesn’t show negative statements or payments
8 months ago
I placed an order mid May for a couch and loveseat and used Affirm as my payment method. I received the couch that was ordered, along with another couch that wasn’t even the same style or color as the one ordered, but not the loveseat. I filed a dispute with Affirm and received a message yesterday that I am responsible for payment even though I never received the loveseat. I provided them with photos of what was received, the invoices, and continuous email thread where the company has failed to do anything to get the issue resolved. There is no way they can rule in favor of the company with the evidence I provided.
8 months ago
I returned an item to Amazon and Amazon states they never received it. Affirm is still billing me for returned goods.
9 months ago
I put an order on July 7 the order never processed now the 20 still nothing so I ask them to refund my deposit every week they telling me something I feel they not even helping they keep saying 5-7 business day still nothing
9 months ago
Charging me for a fraud company that didn’t send an item and still want me to pay. Over 3000.00 couch was ordered. They have 780.00 of my money and wasn’t more when I have no item. They call me twice a day every day which is actually over the limit they are allowed and harassment.
10 months ago
I purchased an item from a fraudulent website and I used Affirm, Inc. as payment. I never received the product I ordered. I filed a complaint with Affirm but Affirm said I was responsible for the payment even though I never received the product. I want Affirm to refund me the funds I am due & I\'m requesting your assistance with this matter. Thank you.
10 months ago
Affirm has put me in collections for $346 after I disputed the loan within 30 days, but they would not resolve and continue to report me to the credit agencies and put negative impact on my credit score
10 months ago
Affirm screwed me over back in December when I asked for forbearance until I could get my life back together. They said submit the paperwork and the app kept getting an error message. They left me drowning for over 16 days and then closed it out without ever acknowledging anything, filed a CFPB complaint and they were very unhelpful. I also kept stating that I am hard of hearing and I prefer messaging and emails and I don’t want to be taken advantage of because of my disability, I basically got “too bad use a family member to help you”. This is unacceptable. Since they haven’t helped me, I had to sell off my car to pay the majority of my loans off, But now there’s 8 loans still sitting in charge off and I have requested they be sent to their collections partners because they have actually been helpful and have worked with me and my disability. I’m a disabled veteran and any help I can get is appreciated. I have filed another CFPB complaint because of the way I was treated over my disability and the fact that 8 loans are still sitting with them and they want me to call when I can’t understand what’s being said over the phone because of my hearing impairment. During this time they have reported $0 balance loans as derogatory or delinquent and current accounts as derogatory or delinquent when this is false. I feel like this was done in retaliation.
10 months ago
Affirm has allowed someone to hack my account and make an unauthorized purchase and is doing nothing to help me!!
10 months ago
Affirm has decided that I am responsible for unauthorized charges. The item in question was also never delivered. I should have been easily refunded. The item is now on my credit file.
11 months ago
Affirm has charged me for an unauthorized purchase. I have reached out to them four times, but they refuse to listen, and continue to pursue me for a lot of money that I\'m not responsible for.
12 months ago
Affirm is saying I am responsible for a loan I did not use. I have tried to work with them, and they refuse to remove the loan from me.
12 months ago
I bought a battery financed through Affirm in July 2022. The battery tech shorted out my car\'s electronics. I called to explain to Affirm I needed a refund, the roadside company agreed to it. They insisted on continuing collecting even after I received a copy of the order invoice and the damage to my car was reimbursed by Progressive for over $5,000.00 for service to correct the issue. Affirm assured me there would be an investigation, however they sent the account to collections and my credit dropped with Experian by almost 100 points. If someone could please assist me, I\'d appreciate it. I do have supporting documents for email threads between me and the battery company, copy of the repair invoice and confirmation that Wells Fargo reversed 1st month\'s installment and un-authorized Affirm. Thank you!
12 months ago
Affirm mishandling of consumer loan
12 months ago
A fradulent loan was taken out in my name by affirm. I even told their automated system to not authroize it anyway. They are refusing to remove it. If it costs me nothing Id like to sue them at this point as I have called and called and theyve done nothing to remove it. I want damages if I can get them
David and Stephanie
1 year 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 year 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
1 year 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.
1 year 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
1 year 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.
1 year ago
Affirm report inaccurate information
1 year ago
Much rather speak to someone then type it.
1 year 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.
1 year 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.
1 year ago
Affirm over-charged me interest and refuses to refund me, according to the language clearly stated in their loan terms.
1 year 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
1 year 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
1 year 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
1 year 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!