Consumer complaint received 2026-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
What happened? I am a Florida consumer submitting this complaint regarding Affirms denial of my billing dispute for a financed online course purchase : XXXX XXXX XXXX XXXX offered by XXXX XXXX XXXX also known as XXXX XXXX XXXXXXXX ). The course was advertised as providing : Full access to all modules for three months Personal curator support Timely homework feedback and guidance In reality : I received access to only the first 23 lessons. Subsequent modules were blocked pending homework approval. The assigned curator was unresponsive. Only after payment was completed was I informed that curator responses could take up to 36 hours a material limitation not disclosed prior to purchase. I paid {$89.00} to lock in the advertised discounted price of {$1200.00}. After that payment, I received repeated calls requesting the remaining balance. The remaining {$1200.00} was paid through Affirm on XX/XX/XXXX. Importantly : The merchant repeatedly sent me a Course Participation Agreement for signature ( approximately ten times ). I did not sign, open, or electronically execute this agreement. If the merchant or Affirm is relying on any alleged signed agreement to deny my dispute, I formally request authenticated proof of execution, including date, time stamp, IP address, and electronic signature verification. To my knowledge, no legally binding agreement containing refund limitations was executed by me prior to or at the time of payment. Because access to modules depended on curator approval, and the curator did not respond in a timely manner, I was effectively denied functional access to the course. The sellers claim of full access is inaccurate. The sellers no refunds for digital products policy was not clearly disclosed prior to purchase. Under Florida law, including the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), undisclosed material limitations and misrepresentations constitute unfair or deceptive practices. What did the company do? I filed a dispute with Affirm and submitted : Proof of both payments Correspondence showing the 36-hour response limitation Evidence of restricted access to modules Affirm denied my dispute without : Providing a detailed explanation of findings Identifying the evidence relied upon Demonstrating that full and functional access to the course was independently verified The denial appears to rely solely on the merchants representation, without a reasonable investigation. What would you like the company to do? 1. Reconsider my dispute based on the full factual record. 2. Provide a written explanation detailing the factual and legal basis for the denial. 3. Provide copies of all documentation relied upon, including proof of any alleged signed agreement. 4. Issue at minimum a partial refund for unused modules ( I participated for only four days ). I request that CFPB review Affirms dispute handling procedures to ensure compliance with consumer protection standards, fair investigation practices, and Florida law ( FDUTPA ).

Company response to consumer: Closed with explanation