Payday loan, title loan, or personal loan -- Problem when making payments -- Complaint #5221297
Complaint Overview
Complaint ID: 5221297
Company: Affirm Holdings, INC
Product: Payday loan, title loan, or personal loan
Sub-Product: Installment loan
Issue: Problem when making payments
State: Arkansas
ZIP Code: 72204
Date Received: 2022-02-14T12:00:00-05:00
Date Sent to Company: 2022-02-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I purchased a litter robot through affirm financing in early 2021 the original order was stolen in transit or porch pirated I worked directly with litter robot to get the device blacklisted and a reshipment was ordered. The second one arrived damaged at which point I paid to ship the second unit back to litter robot and the expectation was set that the affirm financing would be refunded and I should get a refund of my original installment in 60 days from affirm 60 days came and went affirm called attempting to collect payments I informed them at that time that the merchandise had been returned outsourced fellow said a ticket was being opened and everything would be fine. They called a second time attempting to collect repeat aforementioned conversations this time I watched it closer and logged into their help center and sent a message.. the response I was given is that since 120 days had elapsed since I had returned the item and affirm didnt cancel the loan they still expected me to pay the installments.. i confirmed in writing they were asking me to pay for something I returned and no longer have. At this point I feel like their practices may be in breach of some kind of consumer protection law.. like surely its not legal to charge people for things they do not have.
Frequently Asked Questions
What is Complaint #5221297 about?
Complaint #5221297 was filed against Affirm Holdings, INC regarding Payday loan, title loan, or personal loan specifically about Problem when making payments. It was received by the CFPB on 2022-02-14T12:00:00-05:00.
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, or personal 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.