Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Companies Complained About : XXXX. Affirm, Inc. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Affirm Virtual Card / installment loan serviced by Affirm on behalf of XXXX XXXX ) - XXXX XXXX : {$5000.00} physical check ( XXXX ) mailed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, intended to pay off the above loan ( and XXXX other Affirm loans ). - XXXX Affirm loans paid in full on XX/XX/XXXX ( Affirm has admitted receipt of those two checks ). Complaint Type : Credit reporting / Debt collection / Payday / installment / personal loans/ Other consumer financial product or service ( UDAAP violations ) Narrative of Facts ( Chronological and Factual ) : I have an existing Affirm loan ( XXXX ) issued by XXXX XXXX XXXX On multiple occasions in XXXX XXXX, I logged into my existing Affirm account solely to check the processing status of a physical check mailed by XXXX XXXX XXXX to pay down this loan. I did not apply for any new loan, pre-qualification, or qualifying power option. Despite never selecting or authorizing any credit pull, Affirm automatically ran my credit report anyway. This resulted in unauthorized hard or soft inquiries. I have received XXXX emails per day from Affirm falsely blaming XXXX XXXX for not lending me money and blaming me for the {$5000.00} check that XXXX mailed on XX/XX/XXXX. Check Mishandling Timeline ( supported by XXXX records and XXXX ) : - XX/XX/XXXX : XXXX mailed the {$5000.00} check to Affirm to pay off loan XXXX ( and the other XXXX Affirm loans, which were received and processed by Affirm ). - XX/XX/XXXX : Because Affirm claimed it never received the check, XXXX stopped payment and issued a replacement check. - XXXX XX/XX/XXXX : Affirm first claimed it received the replacement check, then discovered the stop-payment and now claims it still has not received it. - XX/XX/XXXX : To avoid a late payment on Affirm ( which would have damaged my otherwise perfect recent payment history ), I signed a XXXX Skip-a-Pay XXXX extension on my {$10000.00} XXXX personal loan ( Loan # XXXX ). XXXX waived the {$30.00} fee and approved the deferral solely so I could manually pay Affirm the {$380.00} installment due in 5 days. Affirm has now admitted that the other XXXX checks mailed the same day were received and applied, yet continues to lose or misplace the third check and blames me. The loan remains due again in 5 days, and Affirm continues to send daily emails threatening adverse action and falsely stating that my repayment history with Affirm is the reason for denials. On XX/XX/XXXX, XXXX XXXX XXXX XXXX an adverse-action letter denying a new loan application ( which I did not initiate ) and citing repayment history with Affirm, length of credit history, and XXXX XXXX while simultaneously mishandling the very payments intended to resolve the account. My credit reports ( XXXX XXXX XXXX = XXXX ; XXXX XXXX XXXX = XXXX ; XXXX XXXX XXXX in Good range ) confirm 100 % on-time payments on all open accounts, no recent lates, and Exceptional payment history across Affirm, XXXX, and all other tradelines. The only historical negative is a XXXX Chapter XXXX bankruptcy that has long since aged off for most purposes. XXXX XXXX and XXXX XXXX Violations : XXXX. Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., especially XXXX XXXX XXXX XXXX and used my consumer report without a permissible purpose. Logging into an existing account to view payment/check status is not a permissible purpose. The repeated qualifying power pulls were performed without my initiation or consent. XXXX. FCRA XXXX The XX/XX/XXXX adverse-action notice is incomplete and misleading because it blames my repayment history with Affirm while Affirm was simultaneously losing the check that would have brought the account current. 3. Equal Credit Opportunity Act ( ECOA ) / Regulation B, 15 U.S.C. 1691 et seq. Failure to provide accurate, specific reasons for adverse action ; unfair treatment by blaming me for checks that Affirm admits it lost while processing identical checks sent the same day. All three checks were to be received on XX/XX/XXXX same day as the other XXXX loans were received. XXXX. Dodd-Frank Act Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ), XXXX U.S.C. XXXX et seq. - Deceptive : Repeated emails and statements blaming XXXX XXXX or me for lost checks that Affirm itself mishandled. - Unfair : Forcing unnecessary credit pulls and payment disruptions that generate extra interest on a 35.98 % APR loan. - Abusive : Taking advantage of my existing account relationship to run credit without consent and extend repayment through servicing errors. XXXX. Truth in Lending Act ( TILA ) / Regulation Z, 15 U.S.C. 1601 et seq. Mishandling of checks has caused undisclosed extensions, extra interest, and altered payment schedules without proper notice or re-disclosure. XXXX. Nevada XXXX XXXX Practices XXXX ( XXXX XXXX and XXXX et seq. ) False representations about receipt of payments, loan status, and responsibility for the lost checks in order to extract additional interest. Requested Relief : I respectfully request that the CFPB : XXXX. XXXX Affirm XXXX XXXX and XXXX XXXX for the above violations. XXXX. XXXX immediate cessation of all unauthorized credit inquiries when I merely log in to view account or payment status. XXXX. XXXX XXXX XXXX XXXX XXXX trace, credit, or waive any issues related to the {$5000.00} check ( XXXX ) and bring loan XXXX current without further penalty or interest caused by their errors. XXXX. Require accurate, complete adverse-action notices that do not falsely blame my repayment history. XXXX. XXXX Affirm to stop the daily deceptive emails blaming XXXX XXXX or me. XXXX. XXXX XXXX XXXX XXXX XXXX any inaccurate credit reporting and remove any negative marks caused by these servicing errors. XXXX. XXXX any appropriate compensation for the extra interest, fees, and harm caused by the check mishandling and unauthorized pulls. I have attached or can provide : - XX/XX/XXXX adverse-action letter - XXXX Skip-a-Pay XXXX Certificate of Completion ( XX/XX/XXXX ) - XXXX proof of check mailing and stop-payment records- Copies of the daily Affirm emails - Recent credit reports ( XXXX, XXXX, XXXX ) showing 100 % on-time payment history I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation