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:06/13/2025

  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 am getting error messages whenever I try to process an application/complete a purchase with Affirm. They state that the issue is that my identity cannot be verified with the information provided. I spoke with Affirm twice over the past week and they confirmed my information was correct and advised that I check my Shop Pay/******* account to make sure everything was correct there, which I did as well. Still no luck, and despite having plenty of "purchasing power" available, I cannot use my account to process any purchases. I can't figure out what is going wrong and it seems that I've exhausted every option to fix it so far.

  

  Business Response

  Date: 06/27/2025

  Thank you for the opportunity to respond to Ms. ******** BBB complaint. Affirm has reviewed her complaint which states that she is receiving identity decline errors when she is attempting to create an Affirm loan.
  
  Ms. ****** called Affirm on June 9, because she was receiving declines due to her identity not being verified by our systems. Her name was updated on her Affirm account. However, we are unable to make changes to her Shoppay account. Ms. ****** called Affirm once again on June 11, 2025 to let us know our system is still unable to verify her identity. It was on this call she was requested to ensure her Shoppay information accurately matches the information on her Affirm account. As of June 27, 2025, the information on her Shoppay account such as Name, phone number and billing address is inconsistent with her Affirm account. She can update her information by logging into her Shop app. Once this has been done she should be able to continue with her applications. If she still faces issues post the update we request her to get in touch with us directly so we can investigate further.
  
  Affirm appreciates Ms. ******** patience while we responded to her complaint. In the event that she has any further questions or concerns, we encourage her to reach out to ****************************************************.

  Customer Answer

  Date: 06/27/2025

   
  Complaint: 23464963
  
  I am rejecting this response because: Affirm's response states that my name, phone number, and billing address do not match my Shop Pay account as of 6/27. However, everything that I can see for both accounts has the exact same information, so I am not sure what they are referencing that does not match.
  
  Sincerely,
  
  ***** Osprey

  

  Business Response

  Date: 07/03/2025

  Thank you for the opportunity to respond to Ms. ******* BBB rebuttal, which involves her concern about her information on her account.
  
  As Affirm confirmed in the initial response to Ms. ******* complaint, Affirm reviewed the information on both accounts and the information on the Shop Pay account does not match her Affirm account, this is likely why Ms. ***** is having issues. She is encouraged to contact Shop Pay for review her account and update the information as needed.
  
  In the event that Ms. ****** has any further questions, we encourage her to reach out to Affirm via ****************************************************.

• Initial Complaint

  Date:06/13/2025

  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've never dealt with such an incompetent person on the phone. Consistently argued with me even with proof I sent. I was refunded by Great Wolf and attached is proof yet you still refuse to show this on my account. If this is not resolved within 7 days and my account refunded I will be reporting this to the *** for fraud, attorney general and filing a police report.

  

  Business Response

  Date: 06/20/2025

  Thank you for the opportunity to respond to Ms. ******* BBB complaint, which states her concern that she has not received the refund she is expecting towards her Affirm loan. 
  
  Affirm's records indicate that loan BDMR-FHHX was processed on April 9, 2025, for a purchase with the merchant, ****************, in the amount of $1,520.26. This loan has terms of *****% Annual Percentage Rate (APR) and 18 monthly payments of $110.52 due on the 9th of each month. An adjustment in the amount of $90.19 was issued on April 9, 2025.
  
  
  On June 13, 2025, Ms. ***** reached out to Affirm and stated that she requested a refund from the **************** three days ago and her Affirm loan does not reflect this. 
  
  While on the phone with an Affirm supervisor, Ms. ***** sent a receipt as evidence of the refund. According to the receipt, a refund in the amount of $1,419.09 was processed on June 11, 2025.
  
  On June 17, 2025, Ms. ***** contacted via secure message to request that the dispute involving her loan be reopened as she had already provided the evidence of the refund issued by Great Wolf Lodge. At that time, an Affirm supervisor responded and advised Ms. ***** that she could file a dispute via the Affirm ************ A dispute was opened by Ms. ***** on the same day.
  
  Affirm apologizes that the agent did not file formal dispute for the loan on June 13, 2025 while the agent was on the phone with Ms. ************************ a dispute has officially been opened, both customers and merchants have the opportunity to provide evidence to substantiate their claims. Affirm will then evaluate the evidence submitted by both the parties, and send an email notification with the outcome within 60 days
  
  After the dispute has concluded, if the dispute is found in her favor, Ms. ***** will receive her expected refund. If the dispute is ruled in favor of the merchant, no refund will be issued and Ms. ***** will remain responsible for the balance of the loan.
  
  Affirm would like to apologize for any frustration caused during the verification process that was completed by the Affirm agent during Ms. ****** phone calls with the Affirm ************* team. Ms. ***** is encouraged to log into her Affirm account to verify her account information. Should any information need to be updated, she is encouraged to contact the ************* Team by calling ************ between the hours of 7 am and 10 pm CST seven days a week.
  
  
  In the event Ms. ***** has any further questions or concerns, we encourage her to reach out to **************************************************** .

• Initial Complaint

  Date:06/12/2025

  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 am an elderly victim of identity theft through Affirm, Inc. I contacted Affirm, *** today 06/12/2025 to make a complaint about not following up on my case that was resolved in my favor on 04/17/2025, after Affirm, Inc.'s investigation was completed about the fraudulent loans. The Affirm fraudulent accounts were never removed from my Experian report, despite so many assurances from Affirm agents that it would happen in a few days. Some Affirm fraudulent accounts that I have no control over them continue to wreak havoc on my credit report, and are now going to charge-off and towards collection. This is unfair. I am an old man 67 years, victim of identity theft who suffered emotionally from the negligence of Affirm, *** instead solving my problems, Affirm agents are trying to trick me to login into the fraudulent accounts and asking me to provide my ID to update the information in the fraudulent accounts. This doesn't make any sense to me.

  

  Business Response

  Date: 06/23/2025

  Thank you for the opportunity to respond to Mr. ******** BBB complaint, which states his concern regarding unauthorized loans that were reported to the credit bureau in his name.
  
  Affirm records indicate that loans GNWX-N8AN, LZ65-P2V0, FDY5-Y8ZI, T1SG-CIRU, 5W9F-WVLX, RH5R-6YIU and I17W-JB1O were reported to Experian in his name.
  
  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 originated prior to April 1, 2025 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. For information on credit reporting for repayment plans originated on or after April 1, 2025, please visit Affirms *********** here: ***********************************************************************************************************************************
  
  Mr. ******* contacted Affirm between April 1, 2025 and June 12, 2025 to report that unauthorized loans were generated in his name and requested that he be absolved of any responsibility to repay the loans in addition to the removal of any negative credit reporting impact. On April 17, 2025 we confirmed that Affirm loans C2P2-DYJH, 8C55-HOZQ, P8ZY-B89Z, H43B-80NX, RCW1-MDLA, KDDG-6YX8, SGE3-R6KY, K71B-8EAB were unauthorized. Restrictions were placed on the account in order to prevent any further unauthorized activity. The loans P8ZY-B89Z, SGE3-R6KY and K71B-8EAB that were reported to Experian were removed from his credit report.
  
  Mr. ******* followed up with Affirm between April 23, 2025 and June 12, 2025 claiming that there were still unauthorized loans reflected on his credit report. During this time, agents attempted to assist him with re-securing his account by verifying his identity. Affirm apologizes that the agents handling his case did not address the Amazon loans included in the unauthorized claim. Please know that the Affirm agents in question will receive coaching to ensure they are able to adequately support Affirm customers moving forward.
  
  On June 13, 2025, Affirms Account Safety team conducted an additional review of Amazon loans GNWX-N8AN, LZ65-P2V0, FDY5-Y8ZI, T1SG-CIRU, 5W9F-WVLX, RH5R-6YIU and I17W-JB1O and confirmed that these loans were unauthorized. Affirm has taken the necessary steps to remove the loans from Mr. ******** credit report. If he would like to move forward with securing his account he can call us at ************ so that we can begin the verification process.
  
  Affirm apologizes for any inconvenience this may have caused.
  
  In the event he has any further questions or concerns, we encourage him to reach out to ****************************************************.

  Customer Answer

  Date: 06/23/2025

   
  Complaint: 23463185
  
  I am rejecting this response because:

  Since April 1st, 2025, I have informed Affirm multiple times that I never created an account with them. The Affirm account opened in my name is a fraud; the perpetrator who carried out the identity theft to open it has full access to it and was using it to take out loans. This was negatively impacting my Experian credit report daily, by dropping its scores to a low level. My financial reputation was damaged by this unlawful act. 
  

  My response to Affirm, stating, "If he wishes to proceed with securing his account, he can contact us at ************ so we can initiate the verification process," is: Why does Affirm want to secure a fraudulent account? I do not possess a valid account with ********************** to secure. Affirm must permanently shut down any fraudulent account created in my name without my consent or knowledge. I am an elderly victim of fraud and identity theft who has been reported to the BBB, the Florida Attorney General, and the FTC.

  Please resolve this issue as soon as possible.

  
  Thank you for your time and attention.
  
  
  Sincerely,
  
  ********* *******

  

  Business Response

  Date: 06/26/2025

  Thank you for the opportunity to respond to Mr. ******** BBB rebuttal, which states his request to close the Affirm account generated in his name.
  
  As Affirm confirmed in the initial response to Mr. ******** complaint, the disputed loans were confirmed to be unauthorized by our Account Safety team. He is no longer responsible for repayment and the loans were removed from his credit report. Affirm has taken the necessary steps to close the account per his request. Rest assured that the restrictions remain in place and the account is now closed. Affirm appreciates his patience while we worked to resolve this matter.
  
  Affirm is happy to address any questions or concerns he may have. He can contact Affirm at any time at ****************************************************.

  Customer Answer

  Date: 06/26/2025

  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.
  
  Sincerely,
  
  ********* *******

• Initial Complaint

  Date:06/12/2025

  Type:Billing 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.

  Early June 2025 I received a chargeoff letter in the mail for an Affirm account. I contacted ********************** to dispute charge as fraud. Affirm would not provide me with any form of verification on the charge. No verification of debt, no verification of identity. Only that portions of my information on file matched my personal information. I have never held an Affirm account until I was guided to create one by Affirm after being told that they were not able to share details on the account. Charges were for a hotel and taxi on December 6-7, 2024. Thats the only details I know.

  

  Business Response

  Date: 06/21/2025

  Thank you for the opportunity to respond to Mr. **** BBB complaint. Affirm has reviewed Mr. **** complaint, which states his concern regarding the credit reporting of his Affirm loans 3OZX-TYD1 and NB8O-4QLC.
  
  Affirms records indicate that **************** Card loan 3OZX-TYD1 was processed on December 12, 2024 in the amount of $700.00 with *****% Annual Percentage Rate (APR). The agreed-upon repayment terms were for 12 monthly payments of $70.32 on the 12th of each month. The payment originally due on January 12, 2025 was never satisfied.
  
  When an Affirm payment becomes more than 120 days overdue, the loan will charge off and may be sent to one of our third-party collections partners. As a result, this loan was charged off on *** 13, 2025 and is currently being serviced by True Accord. If Mr. *** wishes to make a payment, he will need to contact True Accord directly at **************.
  
  Affirms records indicate that **************** Card loan NB8O-4QLC was processed on December 9, 2024 in the amount of $600.00 with *****% Annual Percentage Rate (APR). The agreed-upon repayment terms were for 12 monthly payments of $60.27 on the 9th of each month. The payment originally due on January 9, 2025 was never satisfied. As a result, this loan was charged off on *** 10, 2025 and is currently being serviced by January. If Mr. *** wishes to make a payment, he will need to contact January directly at **************.
  
  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 originated prior to April 1, 2025 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. For information on credit reporting for repayment plans originated on or after April 1, 2025, please visit Affirms *********** here: ***********************************************************************************************************************************.
  
  Mr. *** contacted Affirm on June 5, 2025, to request information on the loan delinquency being reported on his credit report. The Affirm ************* agent provided the current loan information to Mr. ******* and the agent advised him to place a fraud alert on his credit report.
  
  Mr. *** completed an unauthorized activity webform affidavit on June 5, 2025. Affirms Account Safety team conducted their investigation and determined that Mr. *** remains responsible for repayment of the loans. Affirm evaluated all information provided in the origination of the claim as well as details associated with the disputed loans. Mr. *** was notified of the outcome of the investigation on June 9, 2025.
  
  On June 10, 2025, Affirms Account Safety team conducted a second review of Mr. **** account per his request. It was again determined that Mr. *** remains responsible for repayment of the loans. Mr. *** was notified of the outcome on June 10, 2025.
  
  Mr. *** contacted Affirm again on June 10, 2025. Mr. *** requested debt validation documents for his loans. ************* Verification Documents were sent to him via email.
  
  Please note that Affirm has a regulatory obligation to furnish accurate loan and repayment information (positive or negative) to the credit bureau and can only update reporting if an inaccuracy is identified.
  
  Affirm has attached a copy of Mr. **** Truth-in-Lending Agreements, which bears his electronic signature, and Loan Verification Documents to this response. These agreements outline when payments are due and potential actions taken for payments not received and his responsibility to repay the loans. Together, these documents provide the debt verification that Mr. *** seeks.
  
  In the event that Mr. *** has any further questions or concerns, we encourage him to reach out via ****************************************************.

  Customer Answer

  Date: 06/21/2025

   
  Complaint: 23463163
  
  I am rejecting this response because: Affirm has a digital signature.  Ok, not my digital signature.  Affirm didnt have my phone number on file.  Affirm didnt have my email on file.  I have yet to see anything state anything more than "Someone created an account in your name and signed as if they were you."  Is there an ID on file?  Does the hotel have an ID on file?  I have yet to get any of these answers from Affirm because "my personal information isnt matching what is on file."
  
  Sincerely,
  
  ******* ***

  

  Business Response

  Date: 07/01/2025

  Thank you for the opportunity to respond to Mr. **** BBB rebuttal, which involves his concern about unauthorized loans. 

  Affirm has had the Account Safety team review the unauthorized claim one more time and the case has been closed in favor of Mr. **** An email has been sent to him with the details of the investigation and outcome.

  In the event that Mr. *** has any further questions, we encourage him to reach out to Affirm via ****************************************************.

  Customer Answer

  Date: 07/03/2025

  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.  I assume both Affirm charges will be removed from my credit report with haste.
  
  Sincerely,
  
  ******* ***

• Initial Complaint

  Date:06/12/2025

  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.

  I bought from a vendor that is using affirm web site to sell prints . Affirm is trying to force me to pay for prints that I didnt like and had a 30 day return hassle free from the vendor . They refused to give me a address to send the prints back too I sent them back within 30 days of hassle free refunds They now want me to pick another cheap print and charged me for the original I will not be force by affirm to buy something so cheap that I wouldnt hang it in my barn They need to honor the refund policy . Affirm needs to stop with asking me to pay for prints that were returned to them with in 30 days This is unfair debt practice they threaten to put it against my credit report if they choose to do this I will fight it also they will not get a ***** from me for these prints . I am checking into the attorney general for involvement . They claimed they have to follow the vendor which is bs . Affirm wants to take this on go for it you will not win Im now revoking any privileges of their rights to debt my bank account .

  

  Business Response

  Date: 06/25/2025

  Thank you for the opportunity to respond to Ms. ************ BBB complaint. Affirm has reviewed Ms. ************ complaint, which involves her concern hat she is being charged for returned prints despite the merchant's 30 day hassle free return policy, as well as her claims that Affirm has threatened her credit and has unfair debt collection practices.
  
  Her complaint references the following loan IDs: QR52-88RG and 1ATS-GDEZ.
  
  Affirm's records indicate that loan ID QR52-88RG was processed on April 8, 2025, for a Tailored Canvases purchase totaling $399.99. The loan is scheduled for 12 monthly installments of $37.68 with an Annual Percentage Rate (APR) of *****%. ******* was enabled on April 27, 2025. This loan is overdue for the monthly payment that was due May 28, 2025, in the amount of $37.68.
  
  Loan ID ********* was processed on May 2, 2025, for a purchase totaling $259.98, also with Tailored Canvases. This loan consists of 12 monthly installments of $24.37, with an APR of *****%. ******* was enabled on May 12, 2025. The loan is currently overdue for the installment due on June 2, 2025, in the amount of $24.37.
  
  On May 27, 2025, Ms. *********** emailed Affirm stating she would not make payments for the prints associated with either loan, claiming they were returned within the merchant's 30 day refund policy. The ** initial disputes for both loans were initiated on May 13, 2025 for the reason "cancellation or return not processed. Once a dispute has officially been opened, both customers and merchants have the opportunity to provide evidence to substantiate their claims. Affirm will then evaluate the evidence submitted by both the parties, and send an email notification with the outcome within 60 days
  
  On the same date, Affirm notified Ms. *********** via email that the dispute had been closed in favor of the merchant after review, citing insufficient evidence to support a refund. She was informed that the merchant's policy does not accept returns for personalized items unless damaged.
  
  Later that day, Ms. *********** emailed again stating that the items had been returned and received by the merchant. She warned of legal action and revoked Affirm's authorization to debit her bank account. Ms. *********** submitted images as evidence, including a ***** delivery notification confirming the product was received, and a screenshot of a conversation with her bank's customer service agent advising her to contact the merchant directly for a quicker resolution to the dispute.
  
  An Affirm agent followed up on May 27, 2025, to provide Ms. *********** with a step by step instructions on how to formally contest the dispute through Affirm's website.
  
  On May 28, 2025, Ms. *********** emailed once more, reiterating her refusal to pay and alleging false advertising and mishandling by both Affirm and the merchant. She stated her intent to escalate the matter to *********** to take legal action.
  
  On June 12, 2025, the merchant submitted tracking details confirming that Ms. *********** received the products tied to her loans and reaffirmed that, due to the customized nature of the items, they are not eligible for return under the stated policy.
  
  As a result, the disputes related to Ms. ************* loans were decided in the merchant's favor. She was informed that she remains responsible for the loan balances unless the merchant issues a refund. Ms. *********** is encouraged to coordinate directly with the merchant to arrange re-shipment of the products, as they are not eligible for return.
  
  If she has any concerns or questions about disputes she can visit here ********************************************************************. n the event she has any further questions or concerns, we encourage her to reach out to us here as well at ****************************************************.
  

  Customer Answer

  Date: 06/25/2025

   
  Complaint: 23462682
  
  I am rejecting this response because

  affirm is trying to collect for loans that isnt due  they admitted that the merchant  has them returned to them . 
  to allege that they were somehow sent back damage is misleading and false 

  if the prints were damage they certainly didnt acknowledge that when they signed for the prints on may 19 

   

  note I have pictures of the front and back of the prints on the day they were shipped out at the ***** store . 
  

  affirm is trying to collect for prints that the merchant has had .  It is unfair debt practice to expect a person to pay for the prints when affirm knows that they were returned  . 
  

  it is unfair debt practice  Affirm knows that this merchant had no intentions of ever giving anyone a refund its merely a click baiting to get people to buy and later force the person to pay for prints they simply dont have . 
  

  affirm is al as o responsible for trying to collect money they know that isnt due to say we go back to the merchant is a lame excuse of taking responbility 

  let me put it simple for everyone to understand if I see anything on my credit report against me for not paying for prints not in my position I will take this to court and *** affirm and the merchant its that easy  

  you can not force me to pick another price simply because the merchant doesnt want to give up the money they were paid for tailored canvases has a history of doing this tricking people and later acting as tho  they trying to have a solution the solution is simply  have the merchant who accepted the prints of paying the loans off 

   

  
  Sincerely,
  
  ****** ***********

  

  Business Response

  Date: 06/30/2025

  Thank you for the opportunity to respond to Ms. ************ BBB rebuttal, which involves her concern regarding the outcome of her merchant disputes.

  As Affirm confirmed in the initial response to Ms. ************ complaint, Affirm reviewed all the evidence provided in regards the disputes submitted and found the outcome of the dispute to be accurate. Tailored Canvases followed their policy and there was no evidence from Ms. *********** that indicated that the merchant had accepted a return. At this time Ms. *********** should continue working with Tailored Canvases for a resolution.

  In the event that Ms. *********** has any further questions, we encourage her to reach out to Affirm via ****************************************************.
  

  
  

  Customer Answer

  Date: 07/04/2025

   
  Complaint: 23462682
  
  I am rejecting this response because:
    1. The original warranty stated from  Taylors  Canvases  an 30 day hassle free refund . I have supply these to affirm and to tailored Canvases .  And to BBB 
  2. tailored Canvases then changes the wording on their so called hassle free refund to state no refunds . 
  

  3. tailored Canvases has kept the original prints that were shipped back to them in ********** . And was accepted and signed for by Juan 
  

  4. affirm is responsible in the fact that they are trying to collect on a prints that are Not In my position .

  5.  Affirm President or vice president is either stupid and or blind .  Or maybe both .  They must of failed reading They will never received a ***** for prints that Tailored Canvases has and is only willing to force me to pick another print .  Thats not going to happen . 
  

  6.Affirm can lie all it wants here  to the BBB is the bottom line affirm  is you put anything against my credit with the three major credit agency  you will be sued  for unfair debt practice 

  7. Im sick of going thru this with Affirm . if you care to look real close you see where its say tailored canvases at the bottom and gives  their email address on its its email address .

  8. Affirm knows tailored canvases is in ******* ******* and ********** . And further is part of the problem with this complaint.
   Affirm your not going to bully me your not going to get your way.  You and or Tailored Canvases will never received a freaking ***** for those prints

   

  No one who is in their right mind would pay for something that was returned and that the vendor kept .

   

   Bring it on 

  Affirm take me to court so I can sue you .  Because I promise you I will sue you . Your not the  only one who has attorneys in their  pockets 

   

  Sincerely,
  
  ****** ***********

• Initial Complaint

  Date:06/12/2025

  Type:Billing 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.

  This account is not mine. I did not open it and have no knowledge of it. Please remove it from my credit report. Account Name: ********************** *** Date Opened: 02/22/2024

  

  Business Response

  Date: 07/01/2025

  Thank you for the opportunity to respond to Mr. ******* BBB complaint. Affirm has reviewed the complaint which states that Mr. ****** has an unauthorized loan on his Affirm account.
  
  *********************** records indicate that loan LOEO-NYP8 was processed for $182.00 on February 2, 2024, for a purchase with Ulta. The agreed upon repayment terms were 12 installments of $18.28 each at an Annual Percentage Rate (APR) of *****% with payments due on the 22nd of each month. The loan shows two refund adjustments of $14.01 and $0.12 on February 28, 2024 and January 29, 2025. Between March 22, 2024 and January 22, 2025 the loan received 9 payments of $18.28 each and 1 payment of $36.56. No further payments are required towards this loan.
  
  Affirm received multiple credit reporting disputes between June 22, 2025 and July 1, 2025 from Experian initiated by Mr. ******* In each of those instances it was found that the credit reporting was accurate. Pursuant to his complaint an investigation was conducted into the loan and it was found that the loan was authorized by Mr. ******* He was requested to submit a webform affidavit to support his claim of unauthorized activity on July 1, 2025. To do so we ask that he complete a visit this *********** Page (************************************************************************************************************) and click on contact us. When filling out the form, we request him to provide any supplemental documents to support his claim of the unauthorized activity.
  
  Please note, Affirm has a regulatory obligation to furnish accurate loan and repayment information (positive or negative) to the credit bureau and can only update reporting if an inaccuracy is identified. At this time we have confirmed that all credit reporting is accurate and will have to respectfully decline Mr. ******* request to remove credit reporting for loan LOEO-NYP8.
  
  Affirm appreciates Mr. ******* patience while we responded to his complaint. In the event that he has any further questions or concerns, we encourage him to reach out to *****************************************************

• Initial Complaint

  Date:06/12/2025

  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 am filing this complaint because Affirm has reported 14 separate charge-off collection tradelines to the credit bureaus for purchases that were all made under a single Affirm account. These were not 14 different credit accounts they were individual installment transactions processed under a single login and credit relationship.Reporting each transaction as a separate charge-off and collection tradeline is misleading, excessive, and unfair. It grossly inflates my apparent credit risk, creates a false picture of my financial behavior, and has caused serious real-world ****************** Concerns:1. Fair Credit Reporting Act (FCRA) 15 U.S. Code 1681s-2: Data furnishers are required to report credit information that is accurate and not misleading. Reporting 14 charge-offs under one account makes it appear that I defaulted on 14 separate credit lines, which is inaccurate and damaging.2. FCRA 15 U.S. Code 1681e(b): Requires consumer reporting agencies to maintain the maximum possible accuracy of the information. This fragmented reporting fails that standard and does not reflect how the account was presented to or managed by me as a consumer.3. UDAAP (Unfair, Deceptive, or Abusive Acts or Practices): Affirms practice of splitting one account into 14 separate derogatory tradelines without clearly disclosing that each transaction would be treated as an independent credit line may qualify as a deceptive and abusive act, especially given the disproportionate harm it causes.4. If any of these accounts were turned over to third-party debt collectors without proper written notice, it may also violate the Fair Debt Collection Practices Act (FDCPA) 15 U.S. Code 1692g, which requires debt validation and notice within 5 days of contact.Personal Harm:As a result of these 14 charge-offs appearing on my credit report, I have been denied both rental and mortgage housing opportunities.

  

  Business Response

  Date: 06/16/2025

  Thank you for the opportunity to respond to Ms. ******** BBB complaint, which states her concern with the credit reporting of Affirm loans in her name.
  
  Affirm records indicate that loans 56LG-ZZ95, B1A3-96LE, QEC6-KGQY, 5PPP-S4WQ, XQ9H-S902, 2QRS-41WL, 5PBJ-2L00, 49VH-FXOX, S0IO-V59T, 38HY-5AUZ, R3EN-M4WR, B6NY-8SIG, EIHY-SL4T and MZSD-4H43 were reported to Experian in her name. The loans were charged off as her payments became 120 days past due.
  
  Ms. ******* recently settled the balances of her loans with Affirms third party collection agency. In accordance with the industry standard, Affirm furnishes consumer repayment history to Experian in batches on a regular basis, which covers a specific period of time. As a result, based on Affirm's credit reporting cadence, consumers should allow ***** days for their credit reports to be updated. Please note that the credit reporting will be updated to reflect the paid status, however the history of the late payments remains.
  
  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 originated prior to April 1, 2025 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. For information on credit reporting for repayment plans originated on or after April 1, 2025, please visit Affirms *********** here: ***********************************************************************************************************************************
  
  Affirm received contact from Ms. ******* on May 17, 2025 and June 4, 2025. Affirm provided her with information about the loans that were charged off and informed her about how to make payment on the loans.
  
  On June 12, 2025, and June 14, 2025, Affirm received notice from Experian that you disputed the accuracy of credit reporting associated with loans 56LG-ZZ95, B1A3-96LE, QEC6-KGQY, 5PPP-S4WQ, XQ9H-S902, 2QRS-41WL, 5PBJ-2L00, 49VH-FXOX, S0IO-V59T, 38HY-5AUZ, R3EN-M4WR, B6NY-8SIG, EIHY-SL4T and MZSD-4H43. Affirm reviewed each of these disputes to find that the loans were reported accurately.
  
  Throughout the period of delinquency she was sent email notifications alerting her to the overdue status, potential credit reporting implications, and approaching charge off.
  
  Please note, Affirm has a regulatory obligation to furnish accurate loan and repayment information (positive or negative) to the credit bureau and can only update reporting if an inaccuracy is identified. Furthermore, this was disclosed on Affirms Terms of Use and Privacy Policy as well as her Loan Agreement which she consented to and approved when she obtained Affirms loan. More information on Affirm's Terms of Service can be found here: **************************************. At this time we have confirmed that all credit reporting is accurate and will have to respectfully decline her request to remove credit reporting for the above mentioned loans.
  
  For her reference, copies of the Truth in Lending Agreement bearing her electronic signature and Loan Verification document have been attached to this response. Together, these documents provide the debt verification that she seeks.
  
  In the event she has any further questions or concerns, we encourage her to reach out to ****************************************************.

• Initial Complaint

  Date:06/12/2025

  Type:Billing 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.

  The original purchase of ***************** ticket was 3/31/25 for $472.96 that was supposed to be interest free with the Affirm Birthday Promo that was emailed to me. After I selected that option and upon receiving the contract it changed and had the total amount of $497.73. After numerous online disputes, phone calls and emails with agents that clearly did not understand English or the promotion I mentioned, the problem has not been resolved. The customer service manger and staff only provide the standard, AI, statements to all issues as noted in the attachment. The company even reported late payment to the credit bureau during the time of disputes. Please have the company waive the interest/finance charges and I will pay the total original purchase price in full of $472.96 and correct my credit report, then I'll never do business with Affirm again. Thank you.

  

  Business Response

  Date: 06/24/2025

  Thank you for the opportunity to respond to Ms. ******** BBB complaint. Affirm has reviewed Ms. ******** concerns regarding the interest rate applied to her loan, specifically a perceived 0% Annual Percentage Rate (APR) birthday promotion, and her merchant disputes related to an incorrect amount processed.
  
  Affirms records indicate that ***************************** loan EVB1-3JSO processed on March 31, 2025 in the amount of $472.96 with *****% APR. The agreed-upon repayment terms were for 3 monthly payments of $166.05 on the 30th of each month.
  
  Affirm has attached to this response the Truth and Lending Agreement associated with this loan which bears Ms. ******* electronic signature on March 28, 2025. This document acts as the contract and outlines Ms. ******** responsibility to repay the debt. A review of the installment amount, finance charge and overall payment amount can be found on page one.
  
  Affirms records indicate that on April 4, 2025, Ms. ****** contacted Affirm expressing concern about the interest on her loan (ID **********, believing it should have been 0% based on an offer she received. She was informed that interest could not be changed.
  
  On June 11, 2025, Ms. ****** reached out again about a birthday 0% APR promotion she received that she believed was not applied to her loan, and she provided the promotional email. On June 12, 2025, Ms. ****** called about the same concern. She was informed that the total interest depended on the loan amount and other factors. It was explained to her that the birthday email she received was an advertisement indicating that 0% interest loans can be available, but that her specific loan application was approved with interest. Affirms review of the birthday email provided by Ms. ****** confirms it states, "You can use your purchasing power at thousands of amazing brands and check out with as low as 0% APR," and does not guarantee 0% APR on all loans or specific purchases. The birthday email additionally includes an indication that rates range from 0-36% APR.
  
  Concurrently, Ms. ****** opened multiple merchant disputes regarding an incorrect amount processed for her airline ticket purchase. The first dispute was opened on April 4, 2025, with evidence of the airline ticket receipt. This dispute was closed in favor of the merchant on April 23, 2025. She reopened the dispute on April 30, 2025, again providing the airline ticket receipt, but it was closed in favor of the merchant on May 15, 2025. She reopened it once more on May 23, 2025, and it was again closed in favor of the merchant on June 4, 2025. On June 5, 2025, Ms. ****** opened another dispute concerning a return not being processed. On June 11, 2025, Ms. ****** reached out to have this dispute closed, and it was subsequently closed.
  
  Affirm's obligation as an intermediary for disputes is to conduct an investigation to determine if the merchant is working within their policies and procedures to address issues. However, Affirm's decisions are ultimately subject to the evidence provided by both parties. Our reviews of Ms. ******** disputes consistently found that the merchant acted within their stated policies.
  
  Affirm apologizes for any confusion Ms. ****** experienced. It is important to note that the loan was processed with the terms Ms. ****** accepted at the time of approval.
  
  In the event that Ms. ****** has any further questions, we encourage her to reach out to Affirm via ****************************************************.

• Initial Complaint

  Date:06/12/2025

  Type:Billing 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 name is ********* ******. I am a victim of identity theft and found multiple accounts on my credit report that I did not open or authorize. I am requesting that the following accounts be blocked or removed under FCRA Section 605B:Auto Loans: **************, Navy ********************, TD Auto Finance Credit Cards: ************* Delaware, *********** (3 accounts), ******************* Affirm *** Sales Contract: Home *************** ****************** Buyers: Cavalry Portfolio Serv (2), *************************, **************** (4), ***********************, Portfolio Recovery Assoc, ****************** accounts are not mine and are damaging my credit..

  

  Business Response

  Date: 06/26/2025

  Thank you for the opportunity to respond to Mr. ******** BBB complaint. Affirm has reviewed Mr. ******* complaint, which states his concern regarding the credit reporting of his Affirm loans G3G2-M5FX and IN2P-JI6A.
  
  Affirms records indicate that Mr. ******* StockX loan G3G2-M5FX was processed on August 30, 2022 in the amount of $300.25 with *****% Annual Percentage Rate (APR). The agreed-upon repayment terms were for 12 monthly payments of $20.49 on the 30th of each month. The payment originally due on March 28, 2023 went 120 days overdue.
  
  When an Affirm payment becomes more than 120 days overdue, the loan will charge off and may be sent to one of our third-party collections partners. As a result, this loan was charged off on July 27, 2023. Mr. ****** paid this loan off in collections on May 17, 2025. Once a loan has been charged off, the charge off status is irreversible.
  
  Affirms records indicate that Mr. ******* Priceline loan IN2P-JI6A was processed on April 11, 2022 in the amount of $404.36 with *****% Annual Percentage Rate (APR). The agreed-upon repayment terms were for 3 monthly payments of $141.58 on the 11th of each month. Please note, this loan has no delinquent payments and was reported as such to Experian.
  
  Affirm has confirmed that both loans IN2P-JI6A and G3G2-M5FX are reported accurately per Affirms records.
  
  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 originated prior to April 1, 2025 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. For information on credit reporting for repayment plans originated on or after April 1, 2025, please visit Affirms *********** here: ***********************************************************************************************************************************.
  
  On June 21, 2025, Affirm received a dispute from Experian for loan G3G2-M5FX. The dispute investigation is under review and the outcome will be communicated to Experian.
  
  On June 21, 2025, Affirm received a dispute from ******** for loan IN2P-JI6A. Affirm's investigation evaluated all information provided in the origination of the claim and as well as details associated with the disputed loan. Affirms investigation determined that the credit reporting of the loan (IN2P-JI6A) is accurate.
  
  Since Mr. ****** stated identity theft, Affirm escalated an unauthorized activity claim on June 25, 2025 for review by the Account Safety team. **********************'s Account Safety team evaluated all information provided in the origination of the claim and as well as details associated with the disputed loans.
  
  Affirms investigation determined that the loans on Mr. ******** account were authorized. Mr. ****** was notified of the outcome of this investigation on June 25, 2025. Mr. ****** was advised to complete a webform affidavit by visiting this *********** Page and clicking on contact us in order to provide supporting evidence for the unauthorized claim.
  
  Please note that Affirm has a regulatory obligation to furnish accurate loan and repayment information (positive or negative) to the credit bureau and can only update reporting if an inaccuracy is identified.
  
  Affirm has attached a copy of Mr. ******* Truth-in-Lending Agreements, which bears his electronic signature, and Loan Verification Documents to this response. These agreements outline when payments are due and potential actions taken for payments not received and his responsibility to repay the loans. Together, these documents provide the debt verification that Mr. ****** seeks.
  
  In the event that Mr. ****** has any further questions or concerns, we encourage him to reach out via ****************************************************.

• Initial Complaint

  Date:06/12/2025

  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.

  I have attempted on several occasions.Asking them to close this account.I called again today on 6/12/2025.They will not close it.I owe on money at all.

  

  Business Response

  Date: 06/23/2025

  Thank you for the opportunity to respond to Ms. ********* BBB complaint. Affirm has reviewed Ms. ********* concerns regarding the closure of her Affirm account.
  
  Affirm's records indicate that on April 28, 2025, Ms. ******* contacted Affirm expressing issues with using the service and requested to close her account. Ms. ******* was told that since she had an attempt of using the card that she had to wait 30 days to be able to proceed. Ms. ******* was not happy with the outcome.
  Affirm's review confirms that Ms. ********* account remains open, and Affirm has not received further contact from her regarding the closure request since April 28, 2025. Please note that for a complete account closure, customers must first close their ********************** Card, her Affirm Card is still open. On June 23, 2025 Ms. ******* has been sent instructions via email on how to close her Affirm Card and instructions on how to close her Affirm account after her ********************** Card is closed. Her account is currently eligible for closure.
  
  Additionally, Ms. ******* can find more information on account closures via ******************************************************************.
  
  In the event that Ms. ******* has any further questions we encourage her to reach out to Affirm via ****************************************************.

  Customer Answer

  Date: 06/26/2025

   
  Complaint: 23460786
  
  I am rejecting this response because:
  
  Sincerely,
  
  ****** *******

  Customer Answer

  Date: 06/26/2025

  That response is not true.I talk to them on 6/12/2025 about closing this account after April 30 day period in which they said I have to ******** I called them today on 6/27/2025.They say wait another 30 days My card is still active.I never used this card never Activated it online because I could never get into the account.I only used the account online twice before I was sent a physical card.Never could use the card They are not telling the truth.This don't make since.I don't owe them anything so why not close my account.Talking about they can not close it as long as my card is active.I can't get into the account ********* keep saying error.

  

  Business Response

  Date: 07/07/2025

  Thank you for the opportunity to respond to Ms. ********* BBB rebuttal. Affirm has reviewed Ms. ********* concerns regarding the closure of her Affirm account.
  
  On April 22, 2025, Ms. ******* reported issues with her Affirm card and account. She was informed that her account had been automatically suspended and was provided with instructions to unlock her card and activate her physical card for use.
  
  Affirm's records indicate that on April 28, 2025, Ms. ******* contacted Affirm expressing issues with using the service and requested to close her account. Ms. ******* was told that since she had an attempt of using the card that she had to wait 30 days to be able to proceed.
  
  On June 23, 2025 Ms. ******* was sent instructions via email on how to close her Affirm Card and instructions on how to close her Affirm account after her ********************** Card is closed.
  
  On June 26, 2025 Ms. ******* contacted Affirm to close her Affirm Account, but the ********************** customer care agent was unable to close the Account due to an active Virtual card.
  
  Affirm confirms that Ms. ********* Affirm card and Affirm Account has been closed. An email was sent to Ms. ******* on July 3, 2025 informing her of this. Affirm would like to inform Ms. ******* that since her Affirm account is closed she will no longer be able to access her account, including information about her prior Affirm loans, and while her account is closed she will not be able to create a new account or obtain an ********************** loan.
  
  In the event that Ms. ******* has any further questions we encourage her to reach out to Affirm via ****************************************************.

  Customer Answer

  Date: 07/11/2025

   
  Complaint: 23460786
  
  I am rejecting this response because:
  
  Sincerely,
  
  ****** *******