Debt collection -- Attempts to collect debt not owed -- Complaint #4603748
Complaint Overview
Complaint ID: 4603748
Company: Affirm Holdings, INC
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: California
ZIP Code: 93536
Date Received: 2021-08-04T12:00:00-05:00
Date Sent to Company: 2021-08-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
i made a purchase of {$1600.00} on XX/XX/XXXX using Affirm credit and returned the item due to if not fitting well. I received confirmation of the return and the full credit issued to affirm on XX/XX/XXXX. On the same day, Affirm credit company is charging me a fee of {$79.00} which appears to be the full interest fee. They have not given me a prorated rate given that I had the product for less than 2 weeks. I find this to be predatory and exploitation. I have the same challenge with 2 other transactions that I used with this company.
Frequently Asked Questions
What is Complaint #4603748 about?
Complaint #4603748 was filed against Affirm Holdings, INC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-08-04T12:00:00-05:00.
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.