Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
FORMAL LEGAL NOTICE OF MATERIAL BREACH AND TOTAL FAILURE OF CONSIDERATION Merchant : The Flip Sisters ( The Flipstress ) Total Financed Amount : {$5800.00} ( Approximately {$4700.00} remaining balance ) CRITICAL TIMELINE : XX/XX/year> at XXXXXX/XX/XXXX : Enrolled in the program via Affirm financing based on advertised promises of a " XXXX Accelerator, '' coaching calls, and lifetime access to the community XXXX XXXX XXXX XX/XX/year> at XXXXXX/XX/XXXX minutes later ) : After securing my financed funds, the merchant forced me to sign a restrictive disclosure that contradicted the sales promises. This after-the-fact agreement limited XXXX access to just 12 months, restricted coaching to XXXX uninformative call per month, and stripped away my rights with a strict " no refund '' and " at-will termination '' policy. XX/XX/year> : Initiated a formal dispute with Affirm due to this clear material misrepresentation and bait-and-switch. XX/XX/year> XXXX : In immediate retaliation for my XX/XX/year> dispute, the merchant invoked their " disputed payments '' clause and permanently revoked all of my system, curriculum, and community access. I have been continuously forced to pay for a completely blocked service for nearly a year. WHAT HAPPENED : I am filing this formal complaint against Affirm because they are enforcing a loan for services that were completely revoked by the merchant, violating my consumer rights under the FTC Holder Rule ( 16 C.F.R. Part 433 ). The merchant engaged in clear material misrepresentation and deceptive sales practices. Vital, highly restrictive details were intentionally withheld during the sales process and only forced upon me XXXX minutes after the merchant had secured the {$5800.00} in financed capital from Affirm. When I discovered the program did not match what was advertised and raised a dispute, the merchant completely terminated my login credentials and locked me out of the curriculum, coaching, and community. Affirm originally closed the dispute in the merchant 's favor based strictly on the merchant 's " No Refunds '' policy. However, Affirm completely ignored the fact that the merchant is actively refusing to provide the service. I attempted to reopen the dispute with Affirm to provide absolute photographic proof that my access remains terminated, but Affirm 's automated mobile app completely blocks me from doing so, stating that more than 120 days have passed since the purchase. Because the app 's automated system prevents me from opening an internal dispute due to this time limit, I am turning to the CFPB for intervention. The merchant 's breach of contract is active and ongoing as they continue to block my access while Affirm collects my monthly payments. Under the FTC XXXXolder Rule, Affirm inherits the liabilities of the merchant and can not legally enforce a debt for a service the merchant actively refuses to provide. The merchant can not legally seize thousands of dollars of financed capital while providing 0 % of the ongoing service. NOTE TO INVESTIGATOR REGARDING HISTORICAL EVIDENCE : I have attached my current screenshots showing that my system access remains completely revoked, alongside the disclosure forced upon me 18 minutes post-purchase. However, Affirm 's internal database contains all of my original 2025 screenshot documentation, chat logs, and evidence submitted during my initial XX/XX/year> dispute. I request that the CFPB compel Affirm to retrieve and review those archived files as part of this investigation, as they clearly show the merchant 's immediate breach of contract following my dispute.

Company response to consumer: Closed with explanation