Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I am filing this complaint against Affirm , Inc. regarding two buy-now-pay-later loans ( IDs XXXX and XXXX, XXXX Order # XXXX ). The financed items ( couch, counter-height table, and chairs ) arrived damaged or non-usable. The couch would not fit through my apartment door and was taken back by the delivery driver. The counter-height table and chairs arrived severely broken. I was directed by a XXXX customer service representative during a phone call to assemble the furniture myself and take pictures of the damage. I assembled them myself ( taking about 6 hours ) and photographed the damage as requested, then sent them the JPEGs. I never made any payments because the goods were unusable. XXXX issued only a partial refund for the couch and refused to refund the damaged table and chairs. I sent Affirm two additional certified dispute letters ( XX/XX/XXXX and XXXX XXXX ) with full evidence, including photos and the merchants own email ( XXXX XXXX, XX/XX/XXXX ) admitting the partial refund and refusal on the rest. These letters also detailed my medical hardship. I received only initial emails from Affirm that then stopped no formal response or investigation. Additionally, in late XXXX I was diagnosed with a XXXX XXXX ( XXXX XXXX XXXX XXXX ) in my left XXXX XXXX. I underwent major XXXX XXXX to remove the XXXX in XX/XX/XXXX. This serious medical condition and XXXX significantly delayed my ability to resolve this matter sooner, as well I am still recovering from a XXXX XXXX XXXX ( which is well documented ). Enclosed are the physician XXXX letter from XXXX XXXX, XXXX ( XX/XX/XXXX ) and the XXXX report documenting the XX/XX/XXXX procedure. On XX/XX/XXXX I mailed formal disputes to XXXX, XXXX, and XXXX ( certified mail ) regarding the inaccurate {$460.00} Affirm tradeline. I have not received any written results from the bureaus. This disputed debt continues to appear on my credit reports and is harming my credit and stopping me from buying a home, I am forced to rent because of what AFFIRM alone has done to my credit score. Under the Fair Credit Reporting Act, Affirms dispute policies, and their medical hardship provisions, I request : Full investigation and resolution in my favor due to the damaged/non-usable goods and merchant non-refund Recognition of my qualifying medical hardship ( XXXX XXXX diagnosis and major XXXX ) Immediate closure of both loans at {$0.00} balance Permanent deletion ( not paid or settled ) of both tradelines from all three credit bureaus Written confirmation sent to my address : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Attachments I will upload : Certified letters to Affirm ( XX/XX/XXXX and XX/XX/XXXX ) Email from XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Six photographs of the damaged table and chairs Physician XXXX letter from XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX report for XX/XX/XXXX XXXX removal Copies of the three certified dispute letters mailed to the credit bureaus on XX/XX/XXXX + tracking numbers

Company response to consumer: Closed with explanation