Consumer complaint received 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
CFPB COMPLAINT LETTER Re : Affirm Mishandling of Unauthorized XX/XX/XXXX Charge Failure to Comply With XXXX, XXXX, and CFPB XXXX Standards Consumer : XXXX XXXX Affirm Case IDs : XXXX, XXXX, XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX. Summary of Complaint I am filing this complaint because Affirm is attempting to collect a debt I do not owe, despite : XXXX confirming the charge was not made with my card XXXX XXXX reversing the charge and issuing a refund Multiple sworn affidavits submitted Affirm producing no evidence of authorization Affirm incorrectly claiming the Affirm virtual card was used even though : I was not on XXXX I was staying at another hotel entirely I was paying exclusively with my debit card ending XXXX The card used was XXXX XXXX ( XXXX ), not mine Affirm continues to close the investigation and demand a new affidavit even after receiving : XXXX internal Affirm affidavits A signed FTC fraud affidavit A XX/XX/XXXX Attorney General complaint AXX/XX/XXXXAttorney General complaint PDF affidavits emailed directly Evidence posted to a secure repository Affirm is violating the Fair Credit Billing Act ( XXXX ), RegulationXX/XX/XXXX, the Electronic Fund Transfer Act ( XXXX ), and CFPB XXXX prohibitions. 

XXXX. Timeline of My Verified Travel & Payment Activity XXXX. My Actual Stay ( Legitimate ) I was staying at XXXXXX/XX/XXXXXXXX / XXXX XXXX continuously from : XX/XX/year> XX/XX/year> XXXX segments : XXXX. XXXX XXXX XX/XX/XXXX XX/XX/year> Paid using Visa debit ending XXXX No XXXX purchases No Affirm usage XXXX. XX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/year> Paid again using the same debit card ending XXXX XXXX XXXX confirms this Total charges for the extension : {$240.00} Balance at checkout : {$0.00} Departure Details On XX/XX/XXXX, I was : Checking out of XXXX House Packing an entire XXXX XXXX worth of belongings Preparing to drive from XXXX back to XX/XX/XXXXXXXX Immediately notifying XXXX, XXXX, and Affirm about the fraudulent booking This timeline makes it physically and logically impossible that I booked a new stay down the street at XXXX XXXX. 

XXXX. The Fraudulent Transaction Merchant Findings ( XXXX + XXXX XX/XX/XXXX ) : Charged using XXXX ending XXXX NOT my card NOT Affirms virtual card of mine XXXX waived the fraudulent stay XXXX refunded {$91.00} back to XXXX XXXX Affirm was never charged Both merchants agree the transaction is fraudulent. 

XX/XX/XXXXSignificant Red Flags With Affirms Behavior Affirm continues to assert : The Affirm virtual card ending XXXX was used. 

This is false. 

XXXX. The charge was not processed through Affirms card Merchant data confirms : Card type : XXXX Last XXXX : XXXX Processor : XXXX stored card Not linked to me Not linked to Affirm XXXX. Affirm has produced XXXX supporting evidence Affirm has never provided : Device fingerprint IP logs Login XX/XX/XXXXXXXX Session history Virtual card tokenization logs XXXX. Affirm is ignoring legally valid affidavits Affirm now claims it can not view affidavits, even though : They were uploaded to the case file They were emailed in PDF format The FTC and state AG filings ARE sworn affidavits under XXXX XXXX. XXXX These constitute valid legal declarations XXXX. Requiring repeated affidavits violates CFPA guidance CFPB considers repetitive document requests an unreasonable barrier to dispute resolution, prohibited under XXXX. 

XXXX Affirms Actions Violate Federal Law XXXX. XXXX 15 U.S.C. XXXX Affirm failed to : Conduct a reasonable investigation Respond accurately Provide documentation Cease collection during investigation XXXX. Regulation XXXX Affirm closed the case multiple times without proper review and continued implying collection responsibility. 

XXXX. XXXX/ Regulation XXXX The transaction was unauthorized. Affirm is still attempting to assign liability. 

XXXX. XXXX XXXX Standards Affirms conduct constitutes : Unfair practices Deceptive representations Abusive investigative procedures XXXX. Attempting to collect a debt not owed Violates both federal and state law. 

XX/XX/XXXX What I Am Requesting From CFPB I am asking the CFPB to require Affirm to : Cease all collection efforts immediately Close and void the unauthorized loan Remove all internal delinquency markers Provide device/IP forensic evidence affirming their claim ( or admit none exists ) Acknowledge receipt of all affidavits Conduct a compliant investigation per FCBA/EFTA Provide a written determination from Affirms Legal or Compliance Department XXXX. Evidence Submitted I have uploaded all evidence into a secure repository used in multi-agency filings : XX/XX/XXXXXXXX Includes : XXXX XXXX XXXX confirmations All emails All affidavits FTC confirmation XX/XX/XXXXAttorney General complaint XX/XX/XXXXXXXX complaint Affirm case files PDF correspondence Refund confirmation XXXX XXXX XXXX. Declaration I certify under penalty of perjury ( XXXX XXXX. XXXX ) that all statements in this complaint are true and correct to the best of my knowledge. 

Signature : XXXX XXXX XXXXXX/XX/XXXXXXXX, Missouri XX/XX/year> 2025

Company response to consumer: Closed with explanation