Credit card -- Problem with a purchase shown on your statement -- Complaint #18666444
Complaint Overview
Complaint ID: 18666444
Company: Affirm Holdings, INC
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: California
ZIP Code: 919XX
Date Received: 2026-01-12T12:00:00-05:00
Date Sent to Company: 2026-01-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a formal complaint regarding Affirms handling of a loan dispute involving XXXX XXXX XXXX XXXX ( operated by XXXX XXXX ). I financed a {$5000.00} digital program through Affirm based on the merchants advertised 30-day money-back guarantee. Within that refund window, I determined the product was materially unsatisfactory and submitted a refund request to the merchant in good faith. The merchant acknowledged my request and stated that someone would follow up. No response occurred for nine days. I later received a late-evening phone call informing me that my refund was denied solely because I signed a contractdespite the existence of the advertised refund guarantee. Affirm has been provided documentation showing : The advertised refund guarantee My timely refund request The merchants delay and lack of written denial The merchants reliance solely on a signed contract to deny the refund I am concerned that Affirm may rely on the merchants position without adequately considering misrepresentation, failure to honor advertised guarantees, and unreasonable refund conditions for a digital product. I am requesting CFPB assistance to ensure this dispute is reviewed fairly and that Affirm applies consumer protection standards and dispute resolution obligations rather than deferring to improper merchant defenses. Sincerely, XXXX
Frequently Asked Questions
What is Complaint #18666444 about?
Complaint #18666444 was filed against Affirm Holdings, INC regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2026-01-12T12:00:00-05:00.
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 (Credit card) 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.