Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
XX/XX/year> XXXXXXXX XXXX. I deposited {$10000.00} into my Affirm XXXX Account. 
XX/XX/year> XXXXXXXX XXXX. I deposited {$25000.00} into my Affirm XXXX Account. 
XX/XX/year> XXXX XXXX Affirm email states : We have frozen your XXXX Account to help you keep other people from abusing or using it. 
XX/XX/year> XXXXXXXX XXXX I deposited {$22000.00} into my Affirm XXXX Account. ( XX/XX/year> XXXX. : Transaction was reversed based upon unavailable funds stated by Affirm in transaction description RETURN XXXX XXXX XXXX XXXX XXXX DATE : XXXX WEB ID : XXXX XXXX XXXX : XXXX XX/XX/year> XXXXXXXX XXXX  Affirm loan was paid in full {$520.00} XX/XX/year> XXXX XXXX. an interest payment of {$50.00} was deposited into my Affirm XXXX  Account paid by Affirm. 
XX/XX/year> XXXXXXXX XXXX an interest payment of {$100.00} was deposited into my Affirm XXXX Account paid by Affirm. 
XX/XX/year> XXXXXXXX XXXX Affirm email states : we have lifted a freeze on your Affirm XXXX Account. 
XX/XX/year> XXXX. Affirm email states : We have froze your XXXX Account to help you keep other people from abusing or using it. 
XX/XX/year> XXXXXXXX XXXX a withdrawal attempt, amounting to {$35000.00} was made by Affirm ( Transaction details ; XXXX XXXX RETURN OF XXXX XXXXXXXX XXXX XXXXXXXX : XXXX ) XX/XX/year> Transaction Status ; RETURNED Posted Dated XX/XX/year> at XXXX XXXX To Affirm XXXX  Account Description : RETURN XXXX XXXX XXXX RETURN OF ACH DATE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX  I spoke with Affirm Customer Care Representative XXXX XXXX.. I was informed by her personally to make the request to transfer my funds manually to another account. I was told to provide bank statement for verification and Account and Routing Number for where I would like my full balance to be transferred to. 
XX/XX/year> XXXX XXXX  Case Number XXXX in regard to the Manuel Transfer Request made over phone. A new case number, XXXX, was generated after submission of bank documents XX/XX/year> XXXXXXXX XXXX. was told by Affirm Customer Care Representative that I would need to wait 3-5 business days just for a response from their Senior Security Operations Comments : I, XXXX XXXX XXXX was emailed on XX/XX/year>, that my Affirm XXXX  Account has been frozen. Affirms reason in email is stated " We've frozen your account to help people from abusing or using it. '' Yet, I was able to still make another deposit on an alleged account that was frozen at XXXXXXXX XXXX XX/XX/year>. I was told by an Affirm representative that there was a " security '' issue and that I would have to wait 30 days for a response by email. After more than 30 days, the only response by email I have received, in regard to the account, is Affirm removing the freeze and placing it back on 15 minutes later. So how was Affirm able to remove my money from an account when I was just told by the Affirm representative that no one is allowed to do such things? I also found out over the phone, without any communiication or response from Affirm, that they closed the listed case numbers! I just want my money back from Affirm!

Company response to consumer: Closed with explanation