Consumer complaint received 2026-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I made numerous purchases through XXXX which had an option of using Affirm as a financer for each of my transactions. 

I'm sending a sample of those transactions, however there are many. I set up XXXX and XXXX month loans for smaller amounts and a couple of 12 month loans for the larger amounts. I purposely set my loans this way in order to pay the less amount of interest. I would've never consented nor considered bundling these transactions into a larger amount thereby extending the transactions from a XXXX to XXXX months into a twelve month loan. 

But that's exactly what happened without my consent. Affirm bundled my smaller XXXX and XXXX month loans into a larger XXXX month loan without my consent. I didn't discovered what was done until I so happened to check on the Affirm app for my progress, but it was months later, after the initial loans were taken out. I sought to check on my progress and was shock to learn what they had done. 

I initially took out these loans starting in XXXX, through XXXX, XXXX, XXXX, and finally XXXX..... via XXXX XXXX. Only XXXX loan was transactioned correctly, a XXXX month loan, and closed after the final payment. When I saw that none of the other XXXX month loans were transactioned similarly. Plus, the grand total amounts per Affirm didn't match the grand total amounts per XXXX. I immediately called Affirm on XX/XX/year>..... I also called XXXX, the customer service agent spent over an hour forensically combining through each transaction and juxtaposing against Affirm 's grand total amounts. In which the XXXX agent stated only XXXX were confirmed, the rest didn't match. 

I then audited my checking account for how much I had paid Affirm, which was slightly over {$1000.00}. I also added up my XXXX purchases which totaled near {$2500.00}. I know that seems a lot in a short period of time, but the way I calculated my payments the interest wouldn't have been a huge amount if done the way I had plan. But what Affirm did was unscrupulous, devious, underhanded, and deceptive... They arbitrarily took it upon themselves to alter my original purchase agreement or transactional obligation from the terms of the original contract to suit their own agenda. Which the end result would increase the amount of interest at payoff to much higher than agreed upon. 

When I first tried reaching out to Affirm, I was redirected XXXX times, to XXXX different departments, then hung-up on. I then notified my bank to stop payments to Affirm. I tried calling again and got the runaround as before, being hung-up on again. I then filled a complaint through the BBB and later on the FTC. And called back Affirm and finally I connected with the complaint department and officially filed a complaint or dispute. I was told the reason the transaction amounts were different from XXXX is because Affirm had bundled several of my loans together and extended them from the XXXX and XXXX months to XXXX. I was livid. And stated this was illegal, I hadn't consented to this. How can you arbitrarily rewrite a contract without my consent? They tried to circumvent the responsibility to XXXX. And stated XXXX bundled these transactions and also arbitrarily changed the terms of the original loan... XXXX can't do that. They haven't the authority to alter or change another company 's transactional agreement. I told them, I refuse to pay the altered loan. I also stated I wasn't obligated to pay this altered loan, on account they had breach the original contract/agreement under the terms written and signed by me. And it was illegal under the consumer protection laws to arbitrarily alter or change a written contract without the consumer 's consent. 

I'm therefore seeking restitution for this egregious act.... I'm not an authority on how this works. But I feel, since they breached the original contract, they shouldn't be able to rewrite or go back before the breach was made. And the entire contract or obligation should be voided. Considering, their reasoning for altering or changing the original agreement in the first place was so they could erroneously or deceptively enrich themselves, gained through additional finance charges.

Company response to consumer: Closed with explanation