Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
XX/XX/XXXX - I was looking for a XXXX gift for my son in XXXX XXXX. I found the XXXX XXXX website and initiated an {$800.00} gift card purchase through Affirm. 
XX/XX/XXXX - I received a notice from Affirm that the loan application for the gift card was denied. Copy of notice attached. At this point I considered the loan application to be dead. I made no attempt to re-apply for the loan. 
XX/XX/XXXX - I contacted XXXX XXXX and ordered the gift card directly using my credit card. Copy of purchase receipt attached. 
XX/XX/XXXX - Gift card was issued. Copy of gift card attached. 
XX/XX/XXXX - Received email from Affirm saying the loan was approved. 
XX/XX/XXXX - Immediately called Affirm to tell them I had already purchased the item and according to their XX/XX/XXXX email my loan application was denied. They said there was nothing they could do and I should file a dispute. This seemed like an odd response as clearly they denied the loan application and since I had already purchased the item. 
XX/XX/XXXX - Dispute filed with Affirm. Copy of dispute notice attached. 
XX/XX/XXXX - Called XXXX XXXX to let them know about the situation with Affirm. They verified I already had purchased a gift card before they received a notice of payment from Affirm. I asked them to not process the payment and to not issue a second gift card. They agreed. A second gift card was issued and voided. They said they were unable to return the Affirm payment as the loan was under dispute. Attached is a copy of email from XXXX XXXX Customer Service XXXX acknowledging there is no second gift card and they are still unable to return the money to Affirm because the loan is under dispute. 
I have made numerous calls to Affirm to get this issue resolved. Affirm customer service managers have acknowledged all of the above to be consistent with their records but say they are unable to assist as the dispute is now with their Conflict Resolution Team and that it has been given priority status. When asked they say priority status means the Conflict Resolution Team should make a determination within a week. It has now been 3 months. I have asked for contact information for a Manager or the Conflict Resolution Team but they say they can not provide this information. 
I have filed a complaint against Affirm with XXXX, as this disputed purchase has affected my credit rating despite assurances in the Affirm dispute guidelines that no payments are due until a dispute is resolved. I filed an additional complaint with the XXXX as Affirm practices appear to be stalling any decision making on my dispute in an effort to get me to pay a loan I considered to be dead, based on their XX/XX/XXXX letter of denial. 
I receive multiple email and text from Affirm weekly threatening to take action on this disputed loan and demanding immediate payment. I have also received multiple phone calls from people claiming to be collection agents demanding payment. 
XXXX XXXX is no longer associated with Affirm due to Affirms business practices. 

In short, Affirm issued a loan after sending me a notice that the loan was not approved. There is no active gift card associated with the Affirm payment and therefore the loan has no product and the payment should be returned. Affirm is blocking resolution to this issue.

Company response to consumer: Closed with explanation