Consumer complaint received 2025-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/XXXX I filed a dispute with Affirm for a purchase I made for medication from XXXX  provider XXXX XXXX. The medication from the pharmacy XXXX partnered with XXXX, did not have a sterile compounding license and FL Department of Health stated in a report that the medication produced is unsafe. I provided 10 attachments as well as a summary of the dispute below and Affirm did not review the submission but rejected stating the merchant will not refund. I spoke to a supervisor named XXXX at Affirm on XX/XX/XXXX who did not seem how disputes are handled as it goes to another department. 


I am submitting this dispute to request a full refund for the Affirm virtual card purchase, for the purchase of a 3 month prescription weight-loss program through XXXX XXXX XXXX XX/XX/XXXX for {$980.00}. This charge was for XXXX XXXX XXXX that were materially misrepresented and failed to meet safety standards, posing a significant health risk. Below, I detail the issues and provide supporting evidence. 

1. Material Misrepresentation XXXX XXXX promised that the XXXX XXXX XXXX XXXX, would meet sterile compounding standards. However : - The medications were sourced from XXXX XXXX, which, according to the XXXX XXXX XXXX XXXX XXXX XXXX  ), lacks a sterile compounding license or permit required to safely prepare injectable medications. 
- All products I received are labeled with XXXX XXXX branding, directly linking the pharmacy to the medications provided. 
The DOH findings attached confirm that XXXX XXXX does not meet sterile compounding standards and highlight specific regulatory violations, substantiating this claim. 

2. Regulatory Violations and Non-Compliance The Florida Department of Health conducted a review of XXXX XXXX, revealing : - Non-compliance with sterile compounding regulations. 

Allegations that XXXX XXXX compounded medications outside the scope of its authorized license. 
These violations further validate that XXXX XXXX misrepresented the safety and quality of the prescription medications provided. 

3. Health and Safety Risks XXXXXXXX XXXX XXXX prepared outside of sterile conditions pose severe health risks, including : - **Infections** : Contamination from XXXX XXXX XXXX XXXX XXXX may lead to abscesses, sepsis, or life-threatening systemic infections. 
- **Adverse Tissue Reactions** : Improperly compounded products can cause local inflammation, swelling, and XXXX at the injection site. 
- **Long-Term Complications** : Persistent infections or contamination-related issues can cause lasting organ or XXXX damage. 
These risks render the medication unsafe and unfit for its intended purpose. 

4. Merchant Negligence XXXX XXXX, as the provider of this service, had a duty to ensure that their chosen pharmacy complied with all safety and regulatory requirements. This includes : - Verifying that XXXX XXXX held the appropriate sterile compounding license. 
- Ensuring that injectable medications met legal safety standards. 
XXXX XXXX failed to fulfill these obligations, which directly compromised the safety of the products delivered to patients. 

XXXX. Merchant Admission Communications from XXXX XXXX ( attached ) confirm their awareness of these issues. 
Specifically : - XXXX XXXX admitted they were blindsided by complaints about XXXX XXXX and have acknowledged potential sterility concerns with the pharmacy 's products. 
- They stated they were investigating the issue, but no resolution or refund has been offered to Date. 


6. Supporting Evidence License Verification : Florida Department of Health documentation confirming that XXXX XXXX does not hold a sterile compounding license. 
DOH Allegations : Findings from the Department of HealtXXXX outlining XXXX XXXX regulatory violations and failure to comply with sterile compounding requirements. 
Product Labels : Photos of the medications in my possession, showing XXXX XXXX branding and direct connection to the compounded injectables. 
Merchant Communications : Screenshots of XXXX XXXX admitting to concerns and their acknowledgement of the issue.

Company response to consumer: Closed with explanation