Consumer complaint received 2026-01-30 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: TX

Complaint narrative:
I am submitting this complaint to report deeply concerning conduct by Affirm Loan Services, LLC that raises serious questions regarding consumer privacy, debt collection practices, and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards. 

I am currently slightly behind on my loan payments. For approximately the past XXXX ( XXXX ) months, I have experienced a persistent and alarming pattern in the phone calls I receive from Affirm related to debt collection. 

Description of the Conduct Affirm contacts me approximately XXXX to XXXX ( XXXX ) times per day using phone numbers that consistently reflect the same area codes as individuals I communicate with throughout that day, including personal contacts and family members. These calls often occur shortly after I have spoken with those individuals. 

This pattern has occurred repeatedly over a sustained period and does not appear coincidental. The timing and area-code matching reasonably raise concerns that Affirm may be accessing, inferring, or utilizing information related to my phone records, call metadata, or contact activity in connection with its collection efforts. 

I have never provided consent for Affirm to access my phone records, call logs, contact list, or communications metadata. If Affirm is obtaining or inferring this information through undisclosed means, it would constitute a serious invasion of privacy and may represent an unfair, deceptive, or abusive practice under UDAAP standards. 

Timeline Summary Approximate start : XXXX months ago Ongoing through present Frequency : Approximately XXXX collection calls per day Pattern observed : Calls originate from phone numbers matching area codes of individuals I spoke with earlier that same day Impact : Ongoing distress, concern for privacy, and fear of unauthorized data use Regulatory Concerns This conduct raises multiple regulatory concerns, including but not limited to : FDCPA concerns, including harassment, oppressive conduct, and improper methods of communication UDAAP concerns, including lack of transparency regarding data use and potentially abusive or deceptive collection tactics Data privacy and consumer consent issues, particularly if personal communications data is being accessed or inferred without authorization While I can not state with technical certainty how this information may be obtained, the consistent, observable pattern over several months reasonably warrants regulatory review. 

I am aware that Affirm may already be subject to litigation or regulatory scrutiny related to consumer practices, which makes this issue especially concerning. 

Requested Resolution I respectfully request that the CFPB investigate this matter and require Affirm to : Provide a clear explanation of how it determines the phone numbers and area codes used to contact me Confirm whether Affirm has accessed, purchased, inferred, or otherwise used my phone records, call XXXX, or communications-related data Identify all third-party data sources used in its debt collection efforts Cease any improper or intrusive collection practices Take corrective action if any violations of consumer protection laws are identified This situation has caused ongoing distress and serious concern for my personal privacy and data security. 

I am requesting regulatory review based on repeated, consistent observations over time, not speculation, and am seeking transparency and compliance assurance. 

my loan id is XXXX, Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation