Consumer complaint received 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Complaint : I am filing a formal complaint regarding an unauthorized charge of {$660.00}, processed on XX/XX/XXXX, on my Affirm account associated with XXXX. I have never made any purchases through XXXX. I contacted XXXX directly, and they confirmed that there are no purchases associated with my name or email. The activity appears to involve misuse of my phone number, which does not constitute valid authorization. There have been multiple fraudulent transactions on my account, including additional XXXX and XXXX charges, which Affirm has already identified and stopped. This {$660.00} charge is part of the same pattern of unauthorized activity. In early XX/XX/XXXX, I spoke with an XXXX representative named XXXX. During that call, I was informed that my email address and phone number were not connected within the account system, and that there was no activity associated with either. During that interaction, my email address and phone number were connected to properly verify my account and monitor activity. Since linking my verified information, there has been no activity on the account. This directly contradicts the claim that I authorized a transaction on XX/XX/XXXX. At the time of that transaction, my verified contact information was not properly linked to the account, and there is no evidence of activity tied to my identity. Affirm has stated that they conducted an investigation and determined the charge was valid. However, no explanation or evidence has been provided to support that conclusion. Despite notifying Affirm that this charge is unauthorized and disputed, they have continued to withdraw payments from my account. On or about XX/XX/XXXX, they withdrew {$95.00} from my account and continue to list additional amounts as due and overdue. XXXX on my account was turned OFF, yet funds were still withdrawn without my authorization. I was not properly notified that these withdrawals would occur. Additionally, I am currently unable to disable or control payments on this account, which has left me without control over my own payment method while a disputed charge is being enforced against me. There are also inconsistencies in the account balance that have not been explained. The original amount was {$660.00}, and the remaining balance is listed as {$380.00}, which indicates that {$280.00} has already been applied to the account. However, the only payment I can identify being withdrawn is {$95.00}. This leaves a difference of {$190.00} that has not been accounted for, and no explanation has been provided. Customer service representatives only provide first names and no identifying information, and no call reference numbers have been provided, making it difficult to track communication or hold the company accountable. This situation has caused financial harm, confusion, and ongoing stress. I am requesting : Immediate removal of the {$660.00} charge Reimbursement of all funds withdrawn, including the {$95.00} payment A full accounting of this loan, including all payments, credits, adjustments, and fees A full explanation of how this transaction was determined to be valid I have attempted to resolve this issue directly without success. If this matter is not resolved, I will continue to pursue further action.

Company response to consumer: Closed with explanation