Payday loan, title loan, personal loan, or advance loan -- Problem with additional add-on products or services -- Complaint #17969761
Complaint Overview
Complaint ID: 17969761
Company: Affirm Holdings, INC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Personal line of credit
Issue: Problem with additional add-on products or services
State: South Carolina
ZIP Code: 29621
Date Received: 2025-11-29T12:00:00-05:00
Date Sent to Company: 2025-11-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I purchased a cellular phone case from XXXX XXXX with a pay in four installment loan through Affirm. The item is defective. I immediately contacted the merchant to request a return authorization, but they did not comply. I subsequently opened a dispute with Affirm to request intervention. After the dispute was filed, the merchant informed me that they would no longer cooperate with me if I did not close the dispute. I declined to close the dispute given that there were multiple XXXX reviews indicating that the merchant had questionable ethics and a poor track record with customer service, specifically non-resolution. I submitted photographic and video evidence of the defects to the merchant. I also submitted email records of repeated requests for a return authorization and address to Affirm. When I logged into my Affirm account today, I discovered that the dispute was decided in favor of the merchant without explanation and my account balance reflects past due. I requested to review the case documents, but have yet to receive a reply.
Frequently Asked Questions
What is Complaint #17969761 about?
Complaint #17969761 was filed against Affirm Holdings, INC regarding Payday loan, title loan, personal loan, or advance loan specifically about Problem with additional add-on products or services. It was received by the CFPB on 2025-11-29T12:00:00-05:00.
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 (Payday loan, title loan, personal loan, or advance loan) 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.