Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
My first email to them- Dear Affirm XXXX XXXX, I am writing to report a serious issue regarding an account that appears to have been opened in my name without my authorization. I recently received an email from Affirm detailing a payment plan for a purchase through XXXX. However, I do not have an Affirm account, and I did not authorize this transaction or sign up for any financing. It appears my identity has been used fraudulently to open this account. To help you investigate, here are the details from the email I received : Merchant : XXXX Approximate Date of Email : XX/XX/year> I have not shared my personal information with anyone for this purpose, and I am concerned about the security of my identity. Please investigate this matter immediately, close any unauthorized accounts associated with my information, and ensure that no negative information is reported to the credit bureaus. I am also in the process of filing a report at IdentityTheft.gov and will provide a police report number if requested. Please confirm receipt of this email and let me know the next steps for resolving this fraud claim. I can be reached at [ Your Phone Number ] or this email address. Sincerely, XXXX XXXX XXXX XXXX code XXXX My second email to them After they said I was still responsible for the debit - Dear Affirm XXXX XXXX, I am writing to provide the additional information requested and to formally dispute the loan currently associated with my name. I have reviewed the details you provided, and there are several significant discrepancies that confirm this account is fraudulent. Evidence and Discrepancies Police Report : I have obtained an official police report regarding this identity theft. I have attached a copy of the report to this email for your records. XXXX Account XXXX : I have thoroughly checked my personal XXXX order history. No orders on my account match the dollar amount of the loan in question. Unauthorized Banking Information : You indicated that payments are being drawn from a bank account ending in XXXX. I do not own, nor have I ever owned, a bank account ending in those digits. Lack of Account Access : I do not have an Affirm login, nor have I ever created XXXX. Security Concerns I have received automated emails from Affirm stating that I " enabled autopay '' and " confirmed the loan. '' I want to be very clear : I have not clicked any links in these emails, nor have I manually confirmed any terms. If these actions are being recorded on your end without my interaction, it suggests that either my information was used to bypass your verification process or the account was set up using contact details I do not control. Requested Action Given that I have provided a police report and demonstrated that the linked bank account and purchase history do not belong to me, I request that you : XXXX. Close this fraudulent account immediately. XXXX. Cease all payment attempts from the unauthorized bank account. XXXX. Remove any negative reporting related to this account from my credit profile. Please confirm receipt of the attached police report and provide an update on the status of this investigation.

Company response to consumer: Closed with explanation