Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
Below is an excerpt from chat logs concerning my issue with affirm. 

I had a fraudulent loan taken out in my name using my account that was compromised and it's been 6 months. Affirm has not closed this loan and keep saying I am responsible for it. 

The following is the evidence claim I submitted in an affidavit to them ( affidavit claim number is XXXX ) : YOU ( VIA THE HELP CENTER ) XXXX, XXXX XXXX  I am writing to report a fraudulent loan taken out in my name. 

At XXXX XXXX XXXXXXXX on XX/XX/XXXX, I received an email indicating a loan for {$3200.00} was taken out using my XXXX XXXX account for a purchase at XXXX XXXX The fraudulent store link is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The fraudulent purchase was for Order # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an item grossly overpriced at {$3200.00}. 

I contacted the storefront at XXXX XXXX XXXXXXXX on XX/XX/XXXX via email, requesting cancellation and a refund. However, I received no response. The billing and shipping address for this purchase was to a residence I vacated on XX/XX/XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX, AL XXXX, where I have lived since XX/XX/XXXX ( I can provide proof of utility service start ). 

I have attached screenshots of my initial communication with the storefront and relevant documentation to substantiate my claim. 

This purchase was unauthorized, and the storefront appears to be defunct. Please assist in resolving this matter promptly. 


XXXX XXXX XXXX XXXX XXXX I attached the necessary proof, and I an additional dispute was opened. 

I was emailed a link to the affidavit that I was directed to fill out, and today, XX/XX/XXXX, Affirm responded with the following : " Based on your statement, you've mentioned that you did not make this purchase from this merchant and someone is attempting to fraudulently use your account. In this case, we would encourage you to submit your claim via webform by visiting XXXX XXXX XXXX. Once submitted, please allow 3-5 business days for follow-up if additional information is needed. 



We will be closing the case, as this is not the right case based on your claim. You should have received an automated email regarding our resolution. 

As a friendly reminder, I see that you have an overdue payment amounting to {$2300.00}. You wont incur any late fees, but late payment may impact your ability to take out future loans with Affirm. Additionally, if your agreement includes furnishing, we may rpayments are 120 days or more overdue it may be charged off. Please also note that your loan will be charged off on XX/XX/XXXX, and to prevent this loan from being charged off, you may make a payment amounting to {$590.00}. '' The web affidavit link I was initially directed to fill out was this link : XXXX : XXXX I do not understand how I filled out a wrong affidavit, and I have spent well over 24 hours and going on 6 months now trying to resolve this process.

Company response to consumer: Closed with explanation