Debt collection -- Electronic communications -- Complaint #19033870
Complaint Overview
Complaint ID: 19033870
Company: Affirm Holdings, INC
Product: Debt collection
Sub-Product: I do not know
Issue: Electronic communications
Sub-Issue: Frequent or repeated messages
State: Florida
ZIP Code: 33126
Date Received: 2025-12-04T12:00:00-05:00
Date Sent to Company: 2026-01-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
On XX/XX/year> I purchased an airline ticket from XXXX XXXX in the amount of {$250.00}, got my ticket online and went to my wonderful vacation trip, never did I had any concerns with the transaction since I reasonable believed that the minute I got the flight ticket it was paid and done. At no time XXXX XXXX disclosed the existence or association of Affirm associated with the transaction. A couple of month went by until I Started receiving mysterious invoices from and entity named Affirm whom I had no prior business engagements, a second entity named XXXX have been constantly emailing me demanding payment on behalf of affirm. I provided XXXX with ample documentation associated with the XXXX XXXX ticket purchased. I made several attempts to reach out to XXXX XXXX and request explanation of this issue but my efforts were unsuccessful, XXXX XXXX refused to provide documentation o the transaction they claimed I fill of a web link. It is reasonable impossible if true that I would provide information such as " holder name : " XXXX XXXX XXXX '' since obviously my name is not affirm, nor is the credit card number " XXXX '' depicted on the invoice attached since I don't hold a credit card with such number. I reasonable believe that this is some sort of an attempt of fraudulent transaction using undisclosed information with the intention of later on charging people high credit interest rates. Further I never authorized financing such a small amount much less had the need to do so. Please refer to the attached documentation. Further XXXX went to the extent to pull money from my bank account or credit card.
Frequently Asked Questions
What is Complaint #19033870 about?
Complaint #19033870 was filed against Affirm Holdings, INC regarding Debt collection specifically about Electronic communications. It was received by the CFPB on 2025-12-04T12:00:00-05:00.
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.