Consumer complaint received 2025-05-06 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: NY

Complaint narrative:
Since XX/XX/2025, a technical error on Affirms platform has prevented me from making payments on my loan, leading to wrongful delinquency notices and potential credit damage. Below is a timeline of events, actions I took, and Affirms responses : XXXX XXXX  : I attempted to pay my loan but was blocked by a technical issue on Affirms website. I contacted Affirm multiple times via email, phone, and chat, reporting the issue. Affirm cited vague security concerns and instructed me not to pay while they investigated. On XX/XX/2025, Affirm emailed me, stating my account was secure and ready to use after recovering from unauthorized activity. However, the technical issue persisted, and I remained unable to pay. 

XX/XX/2025 : I emailed Affirm ( to support XXXX XXXX and XXXX XXXX XXXXXXXX  ), detailing the ongoing issue, noting my account was now delinquent due to their error, and expressing concern about credit damage. I requested : ( 1 ) fix the technical issue, ( 2 ) correct account status, ( 3 ) waive fees/penalties, and ( 4 ) update credit reports. I attached screenshots of the payment block and prior correspondence. Affirm did not respond. 

XX/XX/2025 : I emailed Affirm twice, documenting that they marked my issue as closed without resolution and continued citing false security concerns. Affirm provided no meaningful response. 

XX/XX/2025 : I emailed Affirm, reiterating the issue and noting I received automated delinquency notices threatening credit damage, despite their instruction not to pay. I demanded immediate resolution within 48 hours, including a technical fix, account correction, fee waivers, and credit report updates. I attached screenshots of the notices. Affirm did not respond. 

XX/XX/2025 : I received additional delinquency notices from Affirm, worsening the threat to my credit. I emailed Affirm, restating my demands and noting their liability for penalizing me due to their error. I attached new screenshots. No response from Affirm. 

XXXX XXXX XXXX  : I emailed Affirm, documenting their refusal to address the issue and their use of standard responses marking my case as closed. I noted their avoidance of email communication to limit transparency and stated I was preparing to file complaints. Affirm did not respond. 

XXXX XXXX XXXX : I emailed Affirm twice, noting the account remained overdue due to their inaction, with no resolution to the technical issue. I attached prior correspondence and screenshots. Affirm continued to ignore my requests. 

Throughout, I provided extensive documentationemails, screenshots of delinquency notices, proof of payment blocks, and call logsdemonstrating Affirms failure. 

They have not provided me with a loan number although they continue to note that my payments are overdue and that my account is now delinquent. Although I am still unable to make any form of payment due to the ongoing technical issues on their end.

Company response to consumer: Closed with explanation