Consumer complaint received 2026-03-24 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:
XX/XX/XXXXCFPB CONSUMER COMPLAINT ESCALATED FRAUD & FAILURE TO INVESTIGATEXX/XX/XXXX Company :XX/XX/XXXX Affirm XX/XX/XXXX Product XX/XX/XXXXXX/XX/XXXX Installment Loan / Electronic Fund TransferXX/XX/XXXX Issue : XX/XX/XXXX Unauthorized transaction / Failure to investigate fraud / Lack of response XX/XX/XXXXComplaint Summary :XX/XX/XXXX On or about * * XX/XX/year>XX/XX/XXXX my checking account was debited XX/XX/XXXX {$1000.00} * * for a transaction labeled as an Affirm payment. Additionally, my bank reflects aXX/XX/XXXX pending amount of approximately {$1400.00} XX/XX/XXXX associated with this same issue. I do XX/XX/XXXX not XX/XX/XXXXhave any active loans or financial obligations with Affirm. When I log into my account, it clearly shows XX/XX/XXXX no active or pending loans * *. XX/XX/XXXX Critical Findings from Affirm ( via Customer Support Chat ) :XX/XX/XXXX After multiple attempts to resolve this issue, I communicated with several Affirm representatives. During these interactions : * Affirm agents repeatedly confirmed that : XX/XX/XXXX I have XX/XX/XXXX no active loansXX/XX/XXXX There areXX/XX/XXXX no transactions or charges on my account XX/XX/XXXXXXXX representative stated : XXXX Since your payment didnt go through on our end, I cant provide information This creates a direct contradiction : * My bank account was successfully debited * Affirm claims no record of the transaction XX/XX/XXXXService FailureXX/XX/XXXXI was transferred betweenXX/XX/XXXXXXXX agentsXX/XX/XXXX without resolution * Affirm failed to : * Identify the source of the charge * Provide any documentation * Initiate a clear fraud investigation * I was repeatedly redirected back to my bank despite Affirm being the entity listed on the transactionXX/XX/XXXX Conclusion : XX/XX/XXXXThis situation indicates XXXX or more of the following : XXXX. Unauthorized use of my banking information through Affirm XXXX. Improper linkage of my bank account to another users loan XXXX. A failure in Affirms payment processing and fraud detection systems Regardless of the cause, Affirm has failed to properly investigate or resolve a clear unauthorized financial transaction. XX/XX/XXXX* Requested Resolution XX/XX/XXXX I am requesting that Affirm : XXXX. Identify the loan, account, or transaction associated with this debit XXXX. Remove my bank account from any unauthorized account XXXX. Reverse the unauthorized charge of {$1000.00} XXXX. Prevent any additional pending charges ( ~ {$1400.00} ) from processing XXXX. Provide written confirmation of findings and corrective actions XXXX. Conduct a formal fraud investigation and provide a case reference numberXX/XX/XXXX Additional XXXX : XX/XX/XXXX This matter has been ongoing for XX/XX/XXXXover XXXX weeks without resolution XX/XX/XXXX, causing financial harm and significant distress. Affirms inability to reconcile a confirmed bank debit with their own internal records raises serious concerns about their financial controls and consumer protection practices. I am requesting immediate regulatory review and resolution. XX/XX/XXXX Desired Outcome XX/XX/XXXX Full refund, investigation, account disassociation, and prevention of further unauthorized withdrawals

Company response to consumer: Closed with explanation