Consumer complaint received 2025-07-21 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: AZ

Complaint narrative:
On XXXX XXXX, I did a purchase through Affirm, a third party loan for {$330.00} using my XXXX Credit card. The terms were XXXX installments of {$83.00} starting on XX/XX/XXXX to be made every XXXX weeks until XX/XX/XXXX. I tried to return merchandise for a refund but merchant wont accept it so a dispute was opened with XXXX XXXX XXXX. XXXX XXXX  proceeded to close the dispute in favor of the Affirm merchant. XXXX re-billed my account on XX/XX/XXXX for the XXXX payments of {$83.00} each for XX/XX/year>, XX/XX/XXXX and XX/XX/XXXX. Affirm stated they received only XXXX payment and claimed they did not received the other XXXX payments of these chargebacks/ re-bills and so I proceeded to send XXXX extra payments which at this time, was an overcharge. I paid this to avoid my credit from being adversely affected. These overages and overcharge resulted in XXXX payment of {$160.00} in XX/XX/year> and XXXX for {$83.00} on XX/XX/year>. Affirm still claims they have not received these payments from XXXX XXXX. I had made several calls including XXXX separate occasions, which were three-way calls between Affirm and XXXXXXXX XXXX XXXX and myself together in line, to try and resolve this issue. Both times the parties claimed they would investigate and agreed this was an accounting issue. Affirm asked for my XXXX XXXX  statement proving this was re-billed. I sent proof of my credit card statement as we agreed on the line between all XXXX parties which included myself as this would serve as proof. Even after proof was sent, Affirm continued to claim they have not received it so I am still overdue for {$240.00} despite of what my statement for XX/XX/XXXX says. They actually had been overpaid at this point On their app they showed a message that my loan will be charged off on XX/XX/XXXX due to my loan is 120 days overdue which is is incorrect. Even though the app says my loan will be charged off on XXXX XXXX, I received an email that the loan was charged off this Saturday Saturday XXXX and will go to collection Every time I called to resolve the problem they continue to say they have not received it because these were charged back as a result of my dispute and the discussion starts all over again. I am in the middle of these XXXX companies and in the process I have been charged almost double. Theres was obviously a process on their side that went hay wire or not working, and these payments went to limbo. XXXX XXXX  claims they sent the money and my statement is their proof. They claim is the only proof they can send and they can not send a letter to Affirm. I show these charges it in my credit card bank statement, Affirm says once again continue to say they didnt receive it and Im just in the middle of it. Affirm Is threatening to report me to credit bureaus and send it to collection. The total debt was {$340.00}. At this point I had sent not only for payments but XXXX. As a result, I have disputed the last XXXX extra or overcharged payments, but the bank continues to resolve the dispute in the favor of Affirm. Affirm continues to say theyre not getting the money. This is a big mess. On top of it all they had sent me incorrect billing statements with the amount stating my loan was only {$240.00} total which I have had corrected them that it was all actually {$340.00}. They also sent me incorrect payments dates.and amounts so I suspect they are not investigating this in a proper manner. I am not sure where the problem lies, but somebody is not doing their job in tracking these payments.

Company response to consumer: Closed with explanation