Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
I am submitting this complaint regarding a disputed transaction involving Affirm and a company doing business as XXXX XXXX XXXX. The product in question is a hydrogen/oxygen inhalation machine, marketed using medical-sounding language and U.S.-referencing branding ( XXXX XXXX XXXX ) all of which strongly XXXX domestic manufacturing and compliance with XXXX safety standards. 
However, the product was shipped from XXXX, and no disclosure was made during checkout that it would originate from abroad. There was also no visible disclaimer regarding the sellers XXXX XXXX XXXX during checkout it had to be found manually within the website. For a high-cost purchase with health-related implications, this lack of transparency was extremely concerning. 
After receiving shipping confirmation, I discovered what appears to be the exact same machine sold on XXXX for under {$1200.00}, including identical casing, specifications, and interface. By comparison, I was charged {$4900.00} + tax ( ~ {$5300.00} ), with total Affirm financing obligations close to {$6000.00}. 
The XXXX XXXX website describes this machine as delivering 99.99 % pure hydrogen using advanced XXXX  technology, and offering various health-related benefits, including hydration, skin therapy, and more. These are serious medical-adjacent claims, but no documentation was ever provided by the seller to validate them. I specifically requested technical specifications, third-party testing data, safety certifications, or material disclosures, but received none. 
This raises significant safety concerns. Machines of this nature involve chemical processes and generate gases that are directly inhaled. The internal materials used in electrolysis components ( e.g., XXXX  membranes, tubing, reservoirs ) are critically important, and without transparency on their composition, there is a serious risk of contamination or toxic exposure. The seller failed to provide even the most basic documentation to confirm that the materials used are biocompatible or safe for repeated human exposure. 
The branding and language used on the website were intentionally misleading. At no point was it made clear this was a generic, unregulated device from overseas. Affirm, despite multiple dispute submissions, refused to consider product legitimacy or safety, instead defaulting to the merchants no refund policy. In XXXX response, Affirm even acknowledged that terms like medical-grade were used without actual medical qualification. 
As of today : I have opened a formal dispute with my bank, which is currently under review. 
Affirm has begun sending past-due notices, and the payment has been labeled as late, despite the unresolved and ongoing nature of the dispute raising the risk of damage to my credit or involvement of collections. 
The machine remains sealed, unused, and available for return. 
I am formally submitting this complaint to the CFPB, XXXX XXXX XXXX XXXX XXXX ), and will file with the FTC when their submission system is available. I am also considering escalating this to the California Attorney General. 
Requested Action I respectfully request that this case be reviewed under the following categories : Consumer fraud / deceptive practices False advertising Misleading product origin and representation Unsubstantiated health and safety claims Failure of lender to uphold consumer protection standards Given the lack of documentation, the false implications of XXXX regulation, and Affirms unwillingness to consider product legitimacy in dispute resolution, I believe this case represents a failure in responsible lending and a potentially dangerous misrepresentation of product safety.

Company response to consumer: Closed with explanation