Complaints

This profile includes complaints for Affirm.com's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Affirm.com

  650 California St Fl 12 San Francisco, CA 94108-2716

  
• 

  Affirm Canada Holdings Ltd.

  1565 Carling Avenue, Suite 400 Ottawa, ON K1Z 8R1

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:01/22/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Affirm closed my account they claim they can't verify my identity. I have had over 20 loans with them and all of the sudden they can't verify me. My payment is due in 2 days I can't make my payment. I've called and they can't take my payment. I also have over $400.00 on my savings account with ********************** that they are not releasing. I just want to make my payment and get my money back. And they better not affect my credit.

  

  Business Response

  Date: 02/07/2025

  Thank you for the opportunity to respond to ********************** BBB complaint. Affirm has reviewed ********************** complaint, which involves his concern regarding the status of his Affirm account.
  At this time, Affirm is currently investigating his complaint and will provide a follow up to his email on file within 3-5 business days.
  In the event Mr. ******** ******** has any further questions or concerns, we encourage him to reach out to ****************************************************.
  

• Initial Complaint

  Date:01/22/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My FICO score decreased by 16 points base on Affirm *** said something about $701.00 limit with something to do with Shop Pay, which I have no ideal what they are talking about. I ask them what did I spent this money on and they refuse to tell. I expand to them I never heard of Affirm. They gave me a case #********.Can you please find out about this $701.00, because they will not provide me with anything.Thank you ***** ********

  

  Business Response

  Date: 02/07/2025

  Thank you for the opportunity to respond to Mr. ********** BBB complaint. Affirm has reviewed Mr. Bradshaw complaint, which involves his concern regarding a loan he did not authorize.
  At this time, Affirm is currently investigating his complaint and will provide a follow up to his email on file within 3-5 business days.
  In the event Mr. ******** has any further questions or concerns, we encourage him to reach out to ****************************************************.

• Initial Complaint

  Date:01/22/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had created an Affirm account and linked it to my ****** account in order to purchase 1 item back in March 2023. The following year, 2024, I had changed my phone number. This was an unplanned changed therefore it had caused some issued with recovering accounts linked to me previous number. One of the issues was recovering my ****** account. In trying to recover this account, ****** had told me there was no way to do this as I didn't not own the phone number tied to the account anymore but they would remove any linked credit cards on the account. On January 4, 2025, I had received an email in my old-email inbox that the ****** account tied to this email had made a purchase. I called ****** again to report the account used, thinking that the individual who gained access must have used their own payment method. ****** told me that they will freeze the account and perform their own fraud investigation to see if the account was compromised. On January 7, 2025, ****** had sent me an email concluding their investigation that an unauthorized party accessed my account. They allowed me to reset the password of the account, no need for phone number confirmation, and I got control of the account again. On the same day, I received a confirmation from Affirm that my loan was approved and auto-pay was enabled. Now knowing that this individual had used my Affirm account that was tied to the Amazon account, I called Amazon and they helped me get the individuals name, phone number (my previous phone number) and address that the order was shipped. I took everything to my local police station and talked with an officer to file a report. I had then contacted Affirm and reset the account by verifying my personal details. When creating my account I had to input many of my person details but every single time since creation, I have NEVER needed to verify my name, DOB, or SNN in order to do anything with the account after simply sending a confirmation code to my phone number.

  

  Business Response

  Date: 02/07/2025

  Thank you for the opportunity to respond to Mr. ******** BBB complaint. Affirm has reviewed Mr. ******** complaint, which involves his concern regarding an unauthorized loan from ****** on his Affirm account.
  At this time, Affirm is currently investigating his complaint and will provide a follow up to his email on file within 3-5 business days.
  In the event Mr. ******* has any further questions or concerns, we encourage him to reach out to ****************************************************.

• Initial Complaint

  Date:01/22/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I've been using Affirm for a very long time successfully without any issues for years up until the last several months. I am a good customer. Always make all my payments on time and have paid off several loans. My purchasing power was dropped last year and I've been denied every loan I've applied for on the sole basis if them not being able to verify my identity. I've contacted customer service on several occassions and all they do is recite the same things the denial letters say. I ask them if there are steps to correct this and some of them recite the exact same lines again while some say they'll escalate my issue to the appropriate department and I would be contacted within so many days which never happens. I call back to get an update and the agents have no clue what I'm talking about. I happen to know for a fact there are steps to correct this issue because I've read some of the complaints on here from customers who run into the same issue and there is a drivers license/I.D. Card method that has been successful for many people but I'm never mentioned that or offered that option by any of the customer service people I speak with. My credit is actually in better shape now than it was back when they were having no issues offering me loans and purchasing power so it makes no sense. I get the fact they have policies in place to verify peoples identities (and they should) but if issues arise steps should be offered to the customers for a resolution. I do not understand why customer service makes this so difficult to do. Loyal customers should not be treated in this manor. I want this issue with the identity situation solved so I can use the service. I have no reason not to be trusted due to my successful history using the service over the years. Please get back with me. Thanks again!

  

  Business Response

  Date: 02/07/2025

  Thank you for the opportunity to respond to Mr. ******* BBB complaint. Affirm has reviewed Mr. ********************** which involves his concern regarding 
  At this time, Affirm is currently investigating his/her complaint and will provide a follow up to his email on file within 3-5 business days.
  In the event Mr. ****** has any further questions or concerns, we encourage him to reach out to ****************************************************.
  

  Customer Answer

  Date: 02/07/2025

   
  Complaint: 22844793
  
  I am rejecting this response because: I've been told many times I would be contacted by this company and never am and the identity issue has been an ongoing unsolved issue for many months now. I'll wait for a successful response and resolution before I close out this conplaint.
  
  Sincerely,
  
  ****** ******

  

  Business Response

  Date: 02/21/2025

  Thank you for the opportunity to respond to Mr. ******* BBB complaint. Affirm has reviewed Mr. ******* complaint, which involves his concern Affirm cant verify his identity.
  
  On November 12, 2024 December 4, 2024, Affirms Account Safety team reviewed Mr. ******* recent applications and his subsequent declinations to these applications. The Account Safety team informed Mr. ****** via secure message on the same date that this decision to decline his applications cannot be overturned, despite his previous approvals.
  
  Following receipt of Mr. ******* most recent complaint, on February 21, 2025 Affirm reopened his investigation. Affirms Account Safety team sent him a secure message stating they were having trouble trying to verify his identity which is why he received the denial message. After an additional review of Mr. ******* account, they were able to verify his identity and no further steps are necessary. If he would like to continue with a loan application, he is welcome to do so now.
  
  In the event Mr. ****** has any further questions or concerns, we encourage him to reach out to ****************************************************.

  Customer Answer

  Date: 02/21/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

  My purchasing power has returned and a couple loans have been approved successfully. Thank you for finally solving this daunting issue. I appreciate it.
  
  Sincerely,
  
  ****** ******

• Initial Complaint

  Date:01/22/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Purchased a airline ticket in September for a trip in October for my daughter ******** *******: 638-005-005-18. The purchase was made thru Affirm which is advertised on their website. Airline was *********. Flight was canceled due to Hurricaine ******. ********* immediately stated they would refund due to they canceled flight. ********* is saying they refunded money, Priceline is saying it is Affirms issue and Affirm is saying after 3 disputes and 3 months they want me to pay for a trip that never happened.

  

  Business Response

  Date: 02/07/2025

  Thank you for the opportunity to respond to Mr. ********* BBB complaint. Affirm has reviewed Mr. ************************* which involves his concern regarding a flight purchase that was cancelled but was not refunded.
  At this time, Affirm is currently investigating his complaint and will provide a follow up to his email on file within 3-5 business days.
  In the event Mr. ******* has any further questions or concerns, we encourage him to reach out to ****************************************************.
  

  Customer Answer

  Date: 02/08/2025

   
  Complaint: 22844703
  
  I am rejecting this response because: This has been ongoing since October 2024, Affirm has harassed me for payment, marked payment late, denied dispute x3.  Affirm actually owes me the money I put down for this and the first payment.  Have reached out to Affirm on multiple occasions and they state it is not their problem!  I want this resolved ASAP as Allegiant refunded the money to Affirm months ago. 
  
  Sincerely,
  
  ***** *******

  

  Business Response

  Date: 02/21/2025

  Thank you for the opportunity to respond to Mr. ******** BBB complaint. Affirm has reviewed his complaint which states he canceled a trip with Priceline but has not been refunded. 
  
  Affirm's records indicate that loan BZG6-IRKJ was processed on September 16, 2024, for a purchase with the merchant, Priceline, in the amount of $420.50. This loan has terms of *****% Annual Percentage Rate (APR) and 12 monthly payments of $33.82 due on the 16th of each month. This loan required a down payment of $81.10 which was processed on September 13, 2024. After the down payment was processed the loan balance reflected $339.40. Additionally, a partial refund as processed to the loan on September 26, 2024, for $57.10.
  
  Please note this loan is showing an overdue amount of $135.28 as of February 21, 2025. The loan is also scheduled to be charged off on March 16, 2025, and if Mr. ******* is able to pay $33.82 this will prevent the charge off. 
  
  Affirm encourages all customers to make payments on or before the scheduled due date. Customers wont incur any late fees, but late payments may impact their ability to take out future loans with Affirm. If a payment is 30 or more days overdue some loans may be reported to Experian as delinquent. If payments are more than 120 days overdue, Affirm reserves the right to refer the loan to one of our third-party collection partners. Once a loan has been charged off, the charge off status is irreversible.
  
  Mr. ******* disputed the loan on four separate occasions: November 1, 2024, November 19, 2024, November 22, 2024, and February 15, 2025. Following an investigation into four of the five disputes, Mr. ******* was advised that the disputes had been closed in the merchant's favor. The evidence provided by Mr. ******* did not establish a connection between the refund and the Affirm loan, and Priceline confirmed that he received the services as agreed. Mr. ******* was further advised that he would need to liaise with ******************, as they were the entity that provided the refund, not Priceline.
  
  The dispute was initiated on February 15, 2025. Affirm has resolved the dispute in favor of Priceline, as Priceline has demonstrated that Mr. ******* received the services as agreed upon acceptance of the disclosure statement, as noted in the stored contract. Priceline states that they have no record of any communication from Mr. ******* indicating that the services were not rendered.
  
  Because Priceline has stated no refunds are due at this time and the evidence received from Mr. ******* is not substantial to his claim, Affirm kindly asks that Mr. ******* works with ****************** for the refunds since Affirm is not a partner with ********* and we cannot reach out to the airline directly.
  
  Please note, Affirm manages the financing of the purchase, and all refunds are subject to the policies of the merchant. Until the merchant refunds the loan, they are still responsible for repayment.
  
  In the event that she has any additional questions, we ask for her to contact Affirm directly via ****************************************************.

  Customer Answer

  Date: 02/21/2025

   
  Complaint: 22844703
  
  I am rejecting this response because:
  Allegiant states they refunded the credit card provided by you to secure the flight.  This flight never happened due to Hurricaine ******, have provided the evidence showing the confirmation from Allegiant that they refund was made to you.  It was not my credit card provided to purchase the flight, it was yours.  You need to research and find the credit that was given back to you.  Not me. 
  Sincerely,
  
  ***** *******

  

  Business Response

  Date: 02/25/2025

  Thank you for the opportunity to respond to Mr. ******** BBB rebuttal complaint. Affirm has reviewed his complaint which states he canceled a trip with Priceline but has not been refunded. 
  
  
  Affirm's records indicate that loan BZG6-IRKJ was processed on September 16, 2024, for a purchase with the merchant, Priceline, in the amount of $420.50. This loan has terms of *****% Annual Percentage Rate (APR) and 12 monthly payments of $33.82 due on the 16th of each month. This loan required a down payment of $81.10 which was processed on September 13, 2024. After the down payment was processed the loan balance reflected $339.40. Additionally, a partial refund was processed to the loan on September 26, 2024, for $57.10.
  
  
  Affirm encourages all customers to make payments on or before the scheduled due date. Customers wont incur any late fees, but late payments may impact their ability to take out future loans with Affirm. If a payment is 30 or more days overdue some loans may be reported to Experian as delinquent. If payments are more than 120 days overdue, Affirm reserves the right to refer the loan to one of our third-party collection partners. Once a loan has been charged off, the charge off status is irreversible.
  
  
  Mr. ******* disputed the loan on four separate occasions: November 1, 2024, November 19, 2024, November 22, 2024, and February 15, 2025. Following an investigation into four of the five disputes, Mr. ******* was advised that the disputes had been closed in the merchant's favor. The evidence provided by Mr. ******* did not establish a connection between the refund and the Affirm loan, and Priceline confirmed that he received the services as agreed. Mr. ******* was further advised that he would need to liaise with ******************, as they were the entity that provided the refund, not Priceline.
  
  
  The dispute was initiated on February 15, 2025. Affirm has resolved the dispute in favor of Priceline, as Priceline has demonstrated that Mr. ******* received the services as agreed upon acceptance of the disclosure statement, as noted in the stored contract. Priceline states that they have no record of any communication from Mr. ******* indicated that the services were not rendered.
  
  
  A new dispute has been opened as of February 21, 2025 and is still pending investigation. 
  
  
  Because Priceline has stated no refunds are due at this time and the evidence received from Mr. ******* is not substantial to his claim, Affirm kindly asks that Mr. ******* works with ****************** for the refunds since Affirm is not a partner with ********* and we cannot reach out to the airline directly.
  
  
  Within his evidence he provided there was an email from Customer Relations, but it does not specify from Allegiant or Priceline. Within this email it states that two different refunds were processed. One was for $299.00 to the card ending in **3350 and one for $130.00 back to the card ending in *8866. Neither of these card numbers correlate to the Affirm loan in question.
  
  
  Please note, Affirm manages the financing of the purchase, and all refunds are subject to the policies of the merchant. Until the merchant refunds the loan, they are still responsible for repayment.
  
  
  In the event that he has any additional questions, we ask for him to contact Affirm directly via ****************************************************.
  
  

  Customer Answer

  Date: 02/26/2025

   
  Complaint: 22844703
  
  I am rejecting this response because: After all that was said above and your poor professionalism, Priceline found the refund.  Now please process on your end and return my downpayment. You have blamed me, harassed me, put comments on credit report and it was never my issue, instead of working with me you worked against me as shown in your feedback above.  What a horrible way to show customer appreciation. 
  
  Sincerely,
  
  ***** *******

• Initial Complaint

  Date:01/22/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 01/09/2025 I purchased a vacation package through *********** but using affirm for a layaway Plan I was approve 1200. With a deposit of ******* down As I book our family vacation I realize I had a mistake in a name and needed to correct so a called Travelocity within a 30 min ask them if they could fix it. As they explained to me they would have to cancel this transaction so I could re book our vacation as well they informed me it should not take more than 3 days for my money to be returned and form of payment after a week and a 3 way call with affirm and Travelocity it was confirmed that affirm lied to me and they did received a partial refund and a letter that *********** send and spoke with letting them know this was cancelled as well the payment that affirm send them was refunded back in with they received the same day as well for them to drop the remaining balance of ******* all on an email.Affirm says that there is a pending charge but *********** submitted all paperwork plus emails that it was canceled sense they still have the money and loan but refuses to release my money because there is a pending charge As well they have multiple emails on this cancellation I fell that they are trying to still my money as well charge me for something they did not loan and still have this money on there procession Like they was supposed to loan me 1200 but never paid or used now they wants me to pay 1200 more plus keep my deposit ******* so they would profit over ******* plus fee. My deposit plus 1200 they never loan and have in their procession plus charge me for money I never received or used

  

  Business Response

  Date: 02/07/2025

  Thank you for the opportunity to respond to Auge Peguero BBB complaint. Affirm has reviewed Auge Peguero  complaint, which involves their concern regarding a cancellation that has no been refunded.
  At this time, Affirm is currently investigating his/her complaint and will provide a follow up to their email on file within 3-5 business days.
  In the event Auge Peguero has any further questions or concerns, we encourage them to reach out to ****************************************************.

• Initial Complaint

  Date:01/22/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I started this loan though them and they required a down-payment in which I paid for with my credit card. Fast forward to payment due one would assume payment would be taken off of the same card you started the loan with. I put the money on that card for payment and now they are telling me they can't accept it. It has to be in a debit card or bank account which I cant do and was mislead to believe at the beginning of where the payment would be coming out of. I need them to accept a 1 time payment from that card to make my monthly payment. Going forward I will make sure it is in the right form of payment. I contacted their chat and all they send me is the same paragraph over and over again zero customer service on their end to help me fix this situation. I do not need this hurting my credit but I have no other way to make this paint the money's there and I tried to give it to them and I cant.

  

  Business Response

  Date: 02/07/2025

  Thank you for the opportunity to respond to Ms. ********* BBB complaint. Affirm has reviewed Ms. ********* complaint, which involves her concern regarding her payment method not being accepted.
  At this time, Affirm is currently investigating her complaint and will provide a follow up to her email on file within 3-5 business days.
  In the event Ms. ******* has any further questions or concerns, we encourage her to reach out to ****************************************************.

• Initial Complaint

  Date:01/22/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Affirm has over charged for services that was canceled. October 2024 I booked a flight to ******* ********** with reservations for ****************. I canceled the ****************, but kept the flight tickets and booked with country Inn. ******* confirmed the on-time cancellation and submitted proof that the difference had been returned to affirm. However, affirm has not credited my account of that refund requiring me to pay for two hotels when one was not utilized. I have disputed this additional cost with the firm twice. They are only using an AI system to determine if the charge is warranted or not, and they have declined my dispute. They are overcharging me $300.96.

  

  Business Response

  Date: 02/07/2025

  Thank you for the opportunity to respond to Ms. ********** BBB complaint. Affirm has reviewed Ms. ********** complaint, which involves her concern regarding an incorrect charge on loan she has with Affirm. 
  At this time, Affirm is currently investigating her complaint and will provide a follow up to her email on file within 3-5 business days.
  In the event Ms. ********* has any further questions or concerns, we encourage her to reach out to ****************************************************.

• Initial Complaint

  Date:01/21/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Submitted drivers license AND A LIVE PICTURE OF MY FACE for verification which returned in failing to identify. Called their support number to make things right and try to do what it takes to verify identity. Their answer was to email me stating that my account is locked for suspicious activity. I'm calling in trying to make things right to verify my identity and their answer was to treat me like a criminal.

  

  Business Response

  Date: 02/07/2025

  Thank you for the opportunity to respond to Mr. ******* BBB complaint. Affirm has reviewed Mr. ******* complaint, which involves his concern regarding getting verified to get back into his Affirm account. 
  At this time, Affirm is currently investigating his complaint and will provide a follow up to his email on file within 3-5 business days.
  In the event Mr. **************** any further questions or concerns, we encourage him to reach out to ****************************************************.

• Initial Complaint

  Date:01/21/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Never used Affirm before until I tried to last week. Used to having financial institutions wanting ID of course so I sent that in, but they also wanted a live picture for verification. I was hesitant but did it anyways to get it over with so I can finance a purchase. Their system ended not being able to identify me when I did so much already so I called the customer service number to resolve this to very myself. They informed me that they'd send and email within 3-5 business days. I received the email stating that my account is now frozen due to suspicious activity and now I'm confused on what's going on. I'm trying to verify my identity and Affirm's customer service is giving me the run around.

  

  Business Response

  Date: 02/07/2025

  Thank you for the opportunity to respond to Mr. ********* BBB complaint. Affirm has reviewed Mr. ********* complaint, which involves his concern regarding not being able to use his Affirm account. 
  At this time, Affirm is currently investigating his complaint and will provide a follow up to his email on file within 3-5 business days.
  In the event Mr. ******** has any further questions or concerns, we encourage him to reach out to ****************************************************.