Payday loan, title loan, personal loan, or advance loan -- Problem with additional add-on products or services -- Complaint #19033931
Complaint Overview
Complaint ID: 19033931
Company: Affirm Holdings, INC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Installment loan
Issue: Problem with additional add-on products or services
State: New York
ZIP Code: 11580
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
Consumer Narrative
purchased one airline ticket from XXXX XXXX, but XXXX separate loan transactions were sent to Affirm for what should have been a single purchase. I received only one ticket, confirmed under Confirmation Code XXXX and Ticket Number XXXX. I did not receive any second ticket or authorize a second transaction. When I contacted XXXX XXXX beginning XX/XX/XXXX, I requested clarification for the duplicate charge. Since that date, I have sent multiple emails seeking explanation and documentation. My most recent case with XXXX XXXX is Case ID XXXX. XXXX XXXX confirmed on XX/XX/XXXX ( via email from XXXX ) that they received my documents and that they are coordinating with their relevant team, and that a review would take 23 business days. However, this situation has now been going on for nearly two months, and I still do not have answers regarding the duplicate charge. I specifically asked XXXX XXXX to provide a Merchant ID or Order ID number for each of the two loans that were sent to Affirm. I need this information so I can determine which merchant record corresponds to my real ticket and which one represents the duplicate/unauthorized charge. Earlier today, XXXX XXXX stated that this information is confidential, even though I already verified all my personal information with them. A few hours later, I was told something different. The inconsistency in their responses raises concerns about transparency and potential mishandling. Without the merchant ID or order ID for each transaction, I can not confirm which charge is legitimate and which is erroneous. XXXX XXXX refusal to provide this information prevents me from resolving the dispute and makes it impossible to verify the accuracy of their billing. The delay, lack of clarity, and contradictory information from XXXX XXXX have caused unnecessary financial hardship, especially because Affirm continues to bill and add interest on the disputed transactions. I feel that this matter has not been handled with transparency, and given the inconsistent information, I am concerned that there may be improper activity or internal error that has not been disclosed.
Frequently Asked Questions
What is Complaint #19033931 about?
Complaint #19033931 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 2025-12-04T12:00:00-05:00.
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 (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.