Consumer complaint received 2025-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VIA CERTIFIED MAIL & EMAIL Affirm , Inc . 
XXXX ID XXXX Affirm Loan Services, XXXX Case Number : XXXX - XXXX XXXX Affirm , Inc . 
Legal Team XXXX XXXX XXXX Re : Demand to Close Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX - Case Number : XXXX To Whom It XXXX Concern : I am writing to formally demand the immediate closure of my Affirm account and the cessation of all unauthorized activity, including illegal prequalification offers, forced loan applications, and the sale of my personal data. 

Since XX/XX/XXXX, I have made over XXXX hours of calls and requests to close my account, only to be met with deliberate obstruction, false claims, and illegal refusals. Now Ive been told that it will take XXXX  days to close the account which is XXXX. 
Summary of XXXX XXXX XXXX XXXX XXXX XXXX. Refusal to Close Account Based on False Pretenses- Your representatives have repeatedly lied, claiming I can not close my account because I logged XXXX though I only logged in to request closure. This is a clear XXXX designed to trap consumers. Additionally, because there is an outstanding loan application on the account which I never applied for and was tricked into clicking when trying to close a card that I never received, I was told that I have to wait XXXX  days to close the account. 

- I have been told " sorry, we cant close the account '' because I logged into the account to close it. This is egregious and illegal and violates my right to terminate services at will. 

XXXX. Illegal Prequalification & Forced XXXX XXXX - XXXX never applied for, nor authorized, any prequalification or additional funding. Yet, Affirm has fraudulently attached an " outstanding application '' to my account that I did not submit. 
- Your agents now refuse to close my account, falsely claiming I must resolve an unauthorized loan application and XXXX  card that I never requested or signed. 

This constitutes deceptive lending practices under CFPB & FTC regulations. 

XXXX. False Claims About a " Physical Affirm Card '' - Your representatives continue to lie, insisting I must close a " physical Affirm card '' which I do not have and never requested. This is a deliberate obstruction tactic. 

XXXX. Unauthorized Sale of XXXX XXXX - Affirm has egregiously sold my information to third parties without my consent, violating state and federal privacy laws. 
Legal Violations - Fair Credit Reporting Act ( FCRA ) Failure to properly handle account disputes. 
- XXXX XXXX XXXX XXXX ( XXXX ) Unfair, deceptive, and abusive practices ( XXXX ). 
- FTC XXXX XXXX Unauthorized data sharing and false claims. 
- State Consumer Protection Laws ( Nevada ) Fraudulent lending practices. 
Demands XXXX. Immediately as of XX/XX/XXXX, close my account and provide written confirmation of closure, including a {$0.00} balance statement. 
XXXX. Remove all fraudulent prequalifications/loan applications tied to my account. 
XXXX. Purge all stored personal data and confirm in writing that my information will no longer be shared or sold. Yes, you do sell information illegally. 
XXXX. Cease all credit reporting for this account post-closure. 

Affirm has repeatedly obstructed, refused to close this account and refuses to stop applying for credit using my social security number. This has been escalated to the following regulatory agencies enforcement, legal action, and public complaints. 
CC ( Formal Complaints Filed With ) : - Consumer Financial Protection Bureau ( CFPB ) - Federal Trade Commission ( FTC ) - Nevada Attorney General of Nevada - Better Business Bureau XXXX Nevada XXXX, XXXX XXXX

Company response to consumer: Closed with explanation