Consumer complaint received 2025-07-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Loan and Request for Investigation To Whom It May Concern, I am writing to formally dispute the designation of my name as a borrower on a loan facilitated by Affirm, which I did not authorize or consent to. I recently learned that I have been incorrectly listed as responsible for a loan that was taken out by my nephew on his XXXX XXXXXXXX XXXX I am listed on that family plan account and have a separate XXXX XXXX XXXX I wish to dispute the validity of this loan, and I respectfully request your assistance in investigating this matter. 

Details of the Issue : Affirm Loan ID : XXXX, XXXX XXXX ID : XXXX, XXXX Incident Overview : On XX/XX/XXXX I received an email from Affirm to advise that my loan was approved at a monthly amount of {$56.00} for 18 months. A second email was sent to me on XX/XX/XXXX to advise that auto pay was activated for my nephew 's XXXX credit card ending in XXXX and a payment schedule was listed starting on XX/XX/XXXX and ending XXXXwhere payments of {$58.00} would be deducted from the above listed credit card. I promptly called Affirm Customer Service and advised that I didn't apply for a loan and asked about the specifics of that loan. They wouldn't provide me with any information but did agree to investigate the matter. The Agent did advise that the purchase was made at XXXX and he referred me to them to obtain additional information about the purchase. I called XXXX where I was advised that XXXX XXXX purchased a phone and a case totaling {$1100.00} and applied for an Affirm loan to finance the purchase. I am under the impression that the XXXX profiles and financial responsibilities were entirely separate. The XXXX agent could not explain how Affirm received access to my personal information and referred me back to Affirm. I called Affiirm back to ask to be removed from the loan, and they explained that the matter would be investigated. I received an email from Affirm on XX/XX/XXXX to advise that the issue was investigated, and it has been determined that I am responsible for this loan. I don't understand how a company could list someone on a loan if that person didn't apply for the loan. 

Concerns : I did not consent to be a borrower or co-signer on this loan. 

I am concerned that this error may be a case of misidentification or improper account linking, which could negatively affect my credit and financial standing. 

I wish to request a complete investigation of how my information was attached to this financial obligation. 

Documents Enclosed ( if applicable ) : Copies of account statements showing the disputed loan Correspondence with Affirm regarding this matter Any supporting documentation that evidences the separation of financial profiles on the account I respectfully request that your office review this matter, initiate an investigation into the unauthorized loan, and take appropriate action to correct any errors on my record. If you require any additional information or documentation, please feel free to contact me at [ your phone number ] or [ your email address ]. 

Thank you in advance for your prompt attention to this serious issue. I appreciate your assistance in ensuring that my rights as a consumer are protected and that this matter is resolved expeditiously. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation