Debt collection -- Attempts to collect debt not owed -- Complaint #17841290
Complaint Overview
Complaint ID: 17841290
Company: Affirm Holdings, INC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Georgia
ZIP Code: 308XX
Date Received: 2025-11-23T12:00:00-05:00
Date Sent to Company: 2025-11-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Issue : Unauthorized access, fraudulent purchases, account takeover A third party gained access to my XXXX/Affirm/XXXX account without my permission and made multiple fraudulent purchases using my saved card information. These transactions total around {$5000.00}. The items were shipped to addresses in Alabama, while I live in Georgia and did not authorize or receive any of these goods. Some purchases included hotels and online orders from XXXX and XXXX. This is a clear case of both account takeover and unauthorized card use. I originally filed disputes on XX/XX/XXXX, but the company has not provided adequate updates or resolution. I am requesting : 1. A full fraud investigation 2. Reversal of all unauthorized transactions 3. Freezing of the account during the investigation 4. Removal of any negative reporting, late fees, or collection activity From approximately mid February to August, multiple unauthorized transactions were made through my XXXX/Affirm/XXXX accounts by a third party who gained access to my login information without my permission. These purchases totaled approximately {$5000.00}. The items were not ordered by me and were shipped to addresses in Alabama, while I live in Georgia and did not receive or benefit from any of the goods or services. Some of the fraudulent purchases included online orders from XXXX and XXXX, as well as hotel bookings. I reported the fraud to each company on XX/XX/XXXX and explained that someone accessed my account and used my stored card information without authorization. Despite filing the disputes, I have not received a proper resolution, written update, or case number confirming that the issue is being addressed. The accounts have not been paused, and the companies continued to show balances and activity related to the fraudulent charges. This situation involves both unauthorized account access and unauthorized card use, and I am requesting a full investigation and removal of all fraudulent transactions. I did not authorize these purchases, I did not benefit from them, and none were shipped to my address or made by me.
Frequently Asked Questions
What is Complaint #17841290 about?
Complaint #17841290 was filed against Affirm Holdings, INC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-11-23T12:00:00-05:00.
How did Affirm Holdings, INC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Affirm Holdings, INC?
Yes, visit the Affirm Holdings, INC company profile at readthecomplaint.com/company/affirm-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.