Consumer complaint received 2026-04-07 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: NC

Complaint narrative:
I. NATURE OF COMPLAINT I am filing this complaint against Affirm, Inc. for repeatedly and improperly denying my consumer dispute claim despite clear documentary evidence that the product I financed was never delivered as described. Affirm has denied my claim four ( 4 ) times, citing insufficient evidence, while refusing to meaningfully engage with the evidence I have provided or explain what additional evidence would satisfy their standard. This conduct constitutes an unfair, deceptive, and abusive practice in violation of consumer protection law. II. BACKGROUND AND FACTS A. The Purchase In XX/XX/year>, I financed the purchase of five ( 5 ) tickets to the XXXX XXXX vs. XXXX XXXX XXXX Playoff Game through Affirm in the amount of approximately {$1000.00} ( total with finance charges : approximately {$1300.00} ). The tickets were purchased through XXXX. XXXX XXXX 's Total Failure to Deliver On XX/XX/year> game day XXXX failed to deliver functional, usable gate-entry tickets on XXXX separate occasions : XXXX. XXXX guaranteed delivery by XXXX XXXX. Tickets were not delivered. XXXX acknowledged the failure. XXXX. XXXX provided replacement tickets guaranteed by XXXX XXXX. The game started at XXXX XXXX. Those tickets also failed to arrive. XXXX acknowledged the failure again. XXXX. A third set of tickets was eventually transmitted but they were not gate-entry tickets. They were access passes to an interior area usable only after a person is already inside the stadium. They were functionally useless for stadium entry. I was present at XXXX XXXX in XXXXXXXX XXXX with a party of five that included two elderly individuals, one of whom has significant mobility limitations and for whom I had pre-arranged accessibility assistance with the stadium. After hours of waiting inside security but outside the entrance gates, I was forced to purchase five ( 5 ) standing-room-only tickets out of pocket at a cost exceeding {$1000.00} to gain entry to the event. The XXXX tickets were never used for entry to the stadium. III. AFFIRMS DENIAL PATTERN I filed a formal dispute with Affirm seeking cancellation of the loan on the basis that the financed product was never delivered as described. Affirm has denied this claim four ( 4 ) times. In each denial, Affirm cited insufficient evidence without specifying what evidence would be sufficient or engaging substantively with the evidence provided. Evidence I have provided to Affirm includes : The XXXX access passes that were transmitted which on their face are not gate-entry tickets Documentation of my out-of-pocket replacement ticket purchase A detailed account of the three delivery failures on game day Affirm has now additionally demanded phone records from XX/XX/year> to corroborate my calls with XXXX. I have been unable to obtain these records because, anomalously, my carrier ( XXXX XXXX ) has no record of calls made from my account on that date, and my XXXX call log shows no calls for that day. I have taken steps to investigate this through proper channels and have filed a report with law enforcement to facilitate carrier-level record production. Affirms demand for phone records as a prerequisite to honoring a consumer dispute when the core documentary evidence ( the non-entry access passes themselves ) plainly demonstrates the product failure appears to be a pretextual basis for denial designed to wear down a consumer rather than conduct a good-faith investigation. IV. LEGAL BASIS FOR COMPLAINT Affirms conduct may violate the following : The Consumer Financial Protection Act ( 12 U.S.C. 5531 ) prohibition on unfair, deceptive, or abusive acts or practices ( UDAAP ) Regulation Z ( 12 C.F.R. Part 1026 ) obligations regarding disputed transactions in consumer credit arrangements Applicable state consumer protection statutes governing unfair and deceptive trade practices

Company response to consumer: Closed with explanation