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:02/07/2024

  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 purchase item online with ******* the item was delivered damage I received refund of ****** back to the company Affirm which is a loan company I contact the company Affirm and ask them why I have a balance and it was actually paid out all I want is my account closed they dont want to closed my account I dont owed them anything.

  

  Business Response

  Date: 02/26/2024

  Thank you for the opportunity to respond to Ms. ******* BBB complaint regarding wanting to close her Affirm account.
  
  
  **********************'s records indicate that loan W6H5-3LS3 was processed on January 22, 2024 for a purchase with the merchant, ******** in the amount of $217.58. This loan has terms of *****% Annual Percentage Rate (APR) and 6 monthly payments of $40.15 due on the 22nd of each month.
  
  
  Affirm received contact from her on January 31, 2024 and on the same day we requested that she please send evidence to further review and investigate her claim. Affirm did not receive any evidence from her.
  
  
  On February 4, 2024, ******* processed a full refund to the loan for $217.58. On February 12, 2024, **************** called Affirm asking for the account to be closed. At the time of the call the Affirm agent advised correctly that due to the final transaction on the loan being February 4, 2024, we must wait 30 days from that date to be able to close the account. That would put the account on March 4, 2024, to be closed.
  
  
  If she calls on March 4, 2024, Affirm will be happy to help her close her account.
  
  
  We apologize for any frustration this may have caused. In the event that she has any further questions, Affirm encourage her to reach out to Affirm via ************************************************************

• Initial Complaint

  Date:02/07/2024

  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.

  Verifying my Identity. I requested to have my name updated/changed from ***************************** to ***************************** due to me getting married and my PA issued drivers Licenses now has ******** ******************* and I sent in all required information to have this updated on 12/23/23. When it was first updated, they misspelled my first name, so I had to call back in having them to correct the spelling. they corrected the spelling now ever since I keep getting denied loans due to not being able to verify my identity I have provided (all legal documents/state issued ID SS# and from you list you proved that is used to verify my identity.) I called in on 1/24/24 @5:24PM for 13 minutes and 21 seconds and spoke with customer service rep **** she stated that my case is still in the queue, and no one has touch it yet! She was to update me on the status of my case, and she will have it resolved on 1/26/24 at 4:30PM with a call back. I never received a call yet and today is 1/26/24! 3-5 business this issue was to be resolved this has been my 37 attempt, 10 hours 43 minutes 24 second on the phone, 37 emails to get this resolved. I just received an email once again to call in to the customer service to have this fixed but every time I call, they are so confused and pass me along am highly UPSET and that is to say the least about this matter. I myself as a **************** Rep would never treat, ignore or lie to my Customers/Consumers/Retailers/Vendors here at my place of employment. I have been already told by a AFFIRM **************** rep that losing my business will have no effect on your company I am just one person and that will not hurt your company someone else will come along to take my place and get more loans than my brokeass (apparently he went of the pathetic script they all read same lines be read to me when I call in, people want real conversation not a monologued) ! That says a lot about AAFIRM as a company and that is very disappointing and arrogant! I would just like this to be over!reference Case ID ******** Case ID Number:25950667 Case ID ********

  

  Business Response

  Date: 02/23/2024

  Thank you for the opportunity to respond to Ms. ******* BBB complaint regarding her name change. 
  
  Affirm understands that she has had some issues with updating her name to be able to take out new loans with Affirm. We have reviewed and see that she requested loans on February 2nd, 3rd, 6th and 7th, 2024 and received declinations due to not being able to verify her identity. Affirm sent her a request to complete her identity verification on December 23, 2023 initially and the name was updated on January 4, 2024. We apologize that the first name was updated incorrectly at the time. Moving forward this agent will receive coaching to ensure they are able to effectively support Affirm customers when calling in.
  
  As of February 10, 2024, Affirm sees that her name has been updated correctly to *****************************. Additionally, Affirm sees that she has an approved loan as of February 23, 2024, and it is waiting on her confirmation. 
  
  We apologize for any frustration this may have caused. In the event that she has any further questions, Affirm encourage her to reach out to Affirm via ************************************************************

• Initial Complaint

  Date:02/07/2024

  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 deeply troubled by the unauthorized sharing of my nonpublic information with credit bureaus, resulting in inaccuracies on my credit report. This violates my privacy rights under 15 USC 1681 Section 602 and contradicts 15 USC 1681 Section 604 A Section 2 regarding the need for my written consent.The inaccurate reporting, especially in regard to payment history, breaches 15 USC 1666 B, causing significant financial and emotional distress. I request immediate rectification of these errors and a prompt resolution plan. Please address this matter urgently and rectify the inaccuracies associated with JPF4****, ******** and IDHM****Despite multiple attempts to resolve this issue with both the data furnisher and the credit bureau, proper protocol and procedure have been ignored in the requests for removal of inaccurate and fraudulent information. The burden of proof to deny my request has not been met, despite submitting multiple FTC reports, signed witness statements, and affidavits.I have provided sufficient information to prove my identity, and any request for more sensitive identifying information, considering my identity theft victim status, could contribute to further misuse. Continuation of denial infringes upon my federally protected rights under the ***** Fair Credit Billing Act, Truth in Lending Act, and Equal Credit Opportunity Act.Due to repeated denials without tangible proof or a sworn affidavit from the credit bureau, asserting legal proof that the items were not from identity theft, these items should be removed immediately, complying with the 5-day mandate of Federal Law.

  

  Business Response

  Date: 02/21/2024

  Thank you for the opportunity in responding to **************' BBB complaint. Affirm has reviewed her complaint which states her request to remove loans from her credit report.
  
  On February 22, *****, loan JPF4-446M processed for a purchase with the merchant, Tradesy for $459.00 with loan terms of *****% Annual Percentage Rate (APR) and six monthly payments of $83.33. The loan was paid off on October 11, 2018, but the loan was more than 30 days past due.
  
  On March 1, 2018, loan IDHM-IBZS processed with the merchant, Tradesy for $670.50 with loan terms of *****% APR and six monthly payments of $121.49. Due to having a past due balance for more than 120 days, the loan charged off on October 30, 2018. The loan was paid off on May 23, 2021.
  
  Affirm assures that we comply with all requirements of the Fair Credit Reporting Act (****). Her complaint specifically references Section 602A. This section states the purposes of the **** and does not establish any obligations or consumer rights. She also stated that, in accordance with Section 604(a)(2), Affirm needed her consent to obtain a copy of her credit report. When ************** accepted Affirms Terms of Use and Privacy Policy and submitted her credit application, ************** consented to having her credit report pulled. She can view Affirm's Terms of Service can be found here: **************************************
  
  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 her request to remove credit reporting for loan IDHM-IBZS and JPF4-446M.
  
  In the event ************** has any further questions or concerns, we encourage her to reach out to ****************************************************.

• Initial Complaint

  Date:02/07/2024

  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 requested a virtual card for Great wolf lodge on Dec 26, 2023 in the amount of $450 from Affirm I was approved and made a payment that day in the amount of $112.50. I was approved and used the card in the amount of $273.80 on Dec 27, 2023, but the service I received from Great Wolf for the product was unacceptable and they immediately refunded the full amount on that day. On Jan 11, 2024 they took another payment for $112.50. On Jan16, 2024 they processed one payment for $112.50. I waited for the second refund to process but never received it. I was never notified in any form by Affirm so I contacted them via chat on Feb 7, 2024. I was told by **************** the second refund was declined to the same exact card, same exact amount, and on the same exact date. Because it declined I would have to receive the refund via check in the next 30 days. I asked to speak with a supervisor and was given a phone number to call. I called and spoke with a supervisor that stated it was declined by my bank and it was their policy that because of that they had to send it by check. I contacted my bank about the transaction and they stated that only one refund came through, and they didn't have any reason to decline the refund. I contacted Affirm again and spoke with ******* another supervisor and explained all of this to him. He restated the policy to me, and I asked had they already cut me a check and he stated no. He said they don't check to see if refund process or not. So I asked if I didn't call you all would not have processed my refund at all. He said he didn't say that , but I told him that's exactly what he stated indirectly. I also explained that they are still taking payments for loans off of that same card so why is it that only my second refund didn't work. I asked why they couldn't try it electronically since the bank said they had no record of a second refund. He said he could only send to escalation team and that would take 3-5 business days.

  

  Business Response

  Date: 02/22/2024

  Thank you for the opportunity in responding to **************************** BBB complaint. Affirm has reviewed her complaint which states her request of a refund towards a loan.
  
  Affirm's records indicate that on December 27, 2023, ************************ obtained Virtual Card loan TY9Y-2OGD for a purchase with the merchant, Great Wolf Resorts in the amount of $450.00. She agreed to loan terms of 0% Annual Percentage Rate (APR), down payment of $112.50 and three bi-weekly payments of $112.50. ************************ completed the down payment and first bi-weekly payment.
  
  On January 16, 2024, there was a full refund applied towards the loan. Affirm successfully refunded a payment of $112.50 back to her original payment method later that day.
  
  On February 7, 2024, ************************ contacted Affirm inquiring about her refund and indicated she only received one refund of $112.50. Regrettably due to technical issues with our payment processor, Affirm was unable to process a refund of her down payment back to her original payment method. Affirm advised her that her request would be escalated. Affirm sent her an email confirming a refund of $112.50 was owed and would be sent to her via a refund check and asked for her to allow 30 days for it to arrive.
  
  We sincerely apologize for any frustration this situation may have caused for ************************. In the event that she has any additional questions, we ask for her to contact Affirm directly via email.

• Initial Complaint

  Date:02/07/2024

  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 deeply troubled by the unauthorized sharing of my nonpublic information with credit bureaus, resulting in inaccuracies on my credit report. This violates my privacy rights under 15 USC 1681 Section 602 and contradicts 15 USC 1681 Section 604 A Section 2 regarding the need for my written consent.The inaccurate reporting, especially in regard to payment history, breaches 15 USC 1666 B, causing significant financial and emotional distress. I request immediate rectification of these errors and a prompt resolution plan. Please address this matter urgently and rectify the inaccuracies associated with WQPK****Despite multiple attempts to resolve this issue with both the data furnisher and the credit bureau, proper protocol and procedure have been ignored in the requests for removal of inaccurate and fraudulent information. The burden of proof to deny my request has not been met, despite submitting multiple FTC reports, signed witness statements, and affidavits.I have provided sufficient information to prove my identity, and any request for more sensitive identifying information, considering my identity theft victim status, could contribute to further misuse. Continuation of denial infringes upon my federally protected rights under the ***** Fair Credit Billing Act, Truth in Lending Act, and Equal Credit Opportunity Act.Due to repeated denials without tangible proof or a sworn affidavit from the credit bureau, asserting legal proof that the items were not from identity theft, these items should be removed immediately, complying with the 5-day mandate of Federal Law.

  

  Business Response

  Date: 02/20/2024

  Thank you for the opportunity in responding to ****************** BBB complaint. Affirm has reviewed her complaint which states her request to remove a loan from her credit report.
  
  Affirm's records indicate that on August 30, 2021, ************** obtained loan WQPK-9XXE for a purchase with the merchant, Lull for $867.42. She agreed to loan terms of 0% Annual Percentage Rate (APR) and 18 monthly payments of $48.19.
  
  Between the dates of October 4, 2021 and May 3, 2022, ************** completed eight payments. On September 26, 2022, the loan charged off due to having a past due balance for more than 120 days. The loan was sent to Affirm's partnered, third-party debt collector, January. They can be reached by calling **************.
  
  Affirm received three **** disputes between the dates of June 20 and November 15, 2023, in which ************** claimed the information being reported to the credit bureaus was inaccurate. Affirm closed each of these disputes after confirming the information being reported to the credit bureaus was accurate.
  
  Affirm assures that we comply with all requirements of the Fair Credit Reporting Act (****). ****************** complaint specifically references Section 602A. This section states the purposes of the **** and does not establish any obligations or consumer rights. ************** also states that, in accordance with Section 604(a)(2), Affirm needed her consent to obtain a copy of her credit report. When she accepted Affirms Terms of Use and Privacy Policy and submitted her credit application, she consented to having your credit report pulled. Ms. ***** can view Affirm's Terms of Service that can be found here: **************************************.
  
  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 respectfully declines her request to remove credit reporting for loan WQPK-9XXE.
  
  Upon review of ****************** complaint, Affirm has no records of her indicating that there was unauthorized activity on her account. If she believes the loan was unauthorized, she is encouraged to contact Affirm directly to enable a comprehensive investigation to be completed with the benefit of his input and information. To do so, she can call in at ************ from 7 a.m. to 10 p.m. Central Time, seven days a week or by completing the form on our *********** at ******************************************************************************.
  
  We apologize for any frustration this situation may have caused for Ms. *****. In the event that she has any further questions, we ask for her to contact Affirm directly viahttps://helpcenter.affirm.com/s/contact-us.

• Initial Complaint

  Date:02/07/2024

  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.

  I authorized a payment in the amount of ***** to be withdrawn from my checking account on 1/30. On 1/31, I noticed -THREE- charges for that amount (***** x 3) had been taken from my account. **********************'s app clearly states that you can cancel a payment with if you make the request within 3 calendar days after the payment is submitted. I immediately contacted them and was told I had to wait for the incorrectly withdrawn payments to post. I then contacted them AGAIN when the payments had posted and the agent told me it was "being processed" and that I would receive an email.Of course, I never received the email - and when I contacted them today the agent I spoke with told me that the previous agent "never escalated" the issue and now I was stuck - no refund, no assistance. Well that is horrendous customer service and I feel it's being done 110% intentionally.I authorized ONE payment for ***** - not THREE PAYMENTS and I want the other two unauthorized payments refunded immediately. I did everything they asked by their rules and they are still s******* me.

  

  Business Response

  Date: 02/22/2024

  Thank you for the opportunity to respond to Ms. ******** BBB complaint. Affirm has reviewed her complaint which states her concern with extra payments processing that she did not make. 
  
  Affirm's records indicate that loan MBHJ-OUDB was processed on September 12, 2023 for a purchase with the merchant, Best Buy, in the amount of $900.00. This loan has terms of *****% Annual Percentage Rate (APR) and 12 monthly payments of $90.41 due on the 12th of each month. 
  
  She first contacted Affirm via the Affirm chat service on January 31, 2024, when she noticed the double payment made on January 31, 2024 for $90.41 each. She stated that she did not do this, and one needed to be removed. The assisting Affirm agent asked her for the loan ID and the chat ended. 
  
  She reached out again,  the same day and in speaking to a new Affirm agent, she advised of the double payment that was made. The Affirm agent explained that the payments were still pending and that once they were processed Affirm could reverse one. On February 1, 2024, she contacted Affirm via chat again and asked about the payments and why they still showed. The Affirm agent stated they would look into it further and keep an eye on them for her. 
  
  Later on February 7, 2024, ****************** contacted Affirms chat again and asked again about the payments. It was found that the previous agent she spoke with did not escalate the request properly. Moving forward this agent will receive coaching to ensure they are able to effectively support Affirm customers when calling in.
  
  The case was properly escalated on February 7, 2024 and ****************** was informed that Affirm was able to reverse one of the two payments made for $90.41 and to allow 3-10 business days for it to reflect on her bank account. 
  
  In the event she has any further questions or concerns, we encourage her to reach out to ****************************************************.

• Initial Complaint

  Date:02/07/2024

  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.

  I am not liable for this debt with Affirm, Inc., I do not have a contract with this collection agency Affirm.com, they did not provide me with the original contract as requested. Additionally, I have provided evidence of this not being a debt that I owe.

  

  Business Response

  Date: 02/21/2024

  Thank you for the opportunity to respond to **************** BBB complaint. Affirm reviewed **************** BBB complaint which concerns her claim that she is not liable for the Affirm loan in her name. 
  
  Affirm records indicate that **************** Amazon loan (ID HVZA-QYZW) was processed on April 18, 2022 in the amount of $277.74. ************ agreed to make 6 monthly installment payments of $49.38 and a loan APR of *****%. Four adjustments have been applied towards **************** loan to date: $18.26 on May 6, 2022; $48.53 on May 8, 2022; and $21.11 and $50.62 on August 26, 2022. ************ has not made any payments towards the loan to date. As a result, the loan was more than 120 days overdue and was charged off on September 16, 2022. 
  
  If a payment is 30 or more days overdue it 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 Affirm's third-party collections partners. Once a loan has been charged off, the charge off status is irreversible. At this time, **************** loan has been charged off to Affirms third party collections partner, **********. ************ may contact ********** at  ************** to arrange payment towards the loan. 
  
  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, Affirm has confirmed that all credit reporting is accurate and will have to respectfully decline **************** request to remove credit reporting for loan HVZA-QYZW. 
  
  ************ may log into her Affirm account online or through the Affirm app to view the Truth in Lending agreements associated with her loan. 
  
  In the event ************ has any further questions or concerns, we encourage her to reach out to **********************************************************;

• Initial Complaint

  Date:02/07/2024

  Type:Product 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 order 2 separate items from Amazon for Christmas. These items came from a seller. I h ad to send back to the seller for approval of a refund. Which both seller approved my refunds. Amazon let me know I was getting my refunds from Affirm who I went thru to pay weekly . Affirm on the Jan 9th the refunds were proceed. To this day I have not received any refunds. I have called,email and chat many times with the company asking about my refund. Affirm tell me Amazon paid back only partial *** to affirm. I tried to get Amazon help . The 2 items I ask for refunds their accts were paid in full approximately 17th Jan. Affirm I am app. Is hard to find any info. They want loan # which 1 item I found. The other one I can't find. I gave them the order # and as much I could give.. then I am told I will only get the *** of the item. No tax or shipment return, which one seller is returning. The last time I talked to someone they didn't want to hear and the info I had. Then I get a supervisor who was very rude, nasty and said I need to listen to him. He didn't want me to tell him anything. Also it sad that I ask for Corporate # and one of them yes we don't have a Corporate. I have been waiting since Jan9 2024 for my refund to be put back how I paid. Enclosed are the info on the items . Thank u for your time and help.

  

  Business Response

  Date: 02/21/2024

  Thank you for the opportunity in responding to ************************** BBB complaint. Affirm has reviewed her complaint which states her request of a refunds towards her purchase with the merchant, Amazon.
  
  Affirm's records indicate that on December 11, 2023, loan ISHN-JKXD (Order IDs: 112-3457975-4887455 and 112-2931816-9038669) for $61.30 with loan terms of *****% Annual Percentage Rate (APR) and six monthly payments of $11.13. On January 2, 2024, ********************** paid $11.26 towards the loan. On January 9, 2024, the merchant provided a partial refund of $29.67. On January 26, 2024, ********************** paid the remaining balance of $10.14 to settle the loan.
  
  Additionally, on December 13, 2023, loan 6F8X-HUF0 (Order IDs: 111-7719876-2788206 and 111-5842596-1923440) processed for $100.66 with loan terms of *****% APR, down payment of $43.22 and six monthly payments of $10.43. On January 2, 2024, ********************** made a payment of $10.43. On January 8, 2024, the merchant provided a partial refund of $47.69 towards the loan. ********************** was refunded the $0.52 that was overpaid on the balance.
  
  Between the dates of January 23 and February 2, 2024, ********************** contacted Affirm requesting for her loans to be refunded. On February 3, 2024, Affirm sent her an email confirming that refunds were already applied to her loan and to contact the merchant directly if she believes she is owed any additional refunds. Affirm is only able to apply any applicable refunds once confirmed by a merchant.
  
  We apologize for any frustration this situation may have caused for **********************. In the event that she has any additional questions, we ask for her to contact Affirm directly via email.

  Customer Answer

  Date: 02/23/2024

   
  Complaint: 21253745
  
  I am rejecting this response because: AMAZON PAID *****TO BE CREDIT TO AFFIRM AND I PAID ***** TO PAY OFF LOAN. TOGETHER BOTHER ITEMS TOTAL ******. BOTH ITEMS WERE RETURNED. YET I am told I am not due a refund.  I paid off the loan. So what I paid and Amazon credit comes to 101.21 minus .52 for overpayment would bring ****** .I feel I paid for some of the purchase that I returned. I understand the ***** being credit toward the loan. After my loan was paid off which I was told it had to be. I feel the money I put in should be refunded. I don't see any justice not getting my share back. Thank you. 

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

  

  Business Response

  Date: 02/29/2024

  Thank you for the opportunity in responding to ************************** BBB rebuttal complaint. Affirm has reviewed her complaint which states she is still missing a refund. 

  
  Affirm's records indicate that on December 11, 2023, loan ISHN-JKXD (Order IDs: 112-3457975-4887455 and 112-2931816-9038669) for $61.30 with loan terms of *****% Annual Percentage Rate (APR) and six monthly payments of $11.13. On January 2, 2024, ********************** paid $11.26 towards the loan. On January 9, 2024, the merchant provided a partial refund of $29.67. On January 26, 2024, ********************** paid the remaining balance of $10.14 to settle the loan.

  
  Additionally, on December 13, 2023, loan 6F8X-HUF0 (Order IDs: 111-7719876-2788206 and 111-5842596-1923440) processed for $100.66 with loan terms of *****% APR, down payment of $43.22 and six monthly payments of $10.43. On January 2, 2024, ********************** made a payment of $10.43. On January 8, 2024, the merchant provided a partial refund of $47.69 towards the loan. ********************** was refunded the $0.52 that was overpaid on the balance.
  The total amount of reign applied to the above loans is $77.88. Within her evidence this is reflected that she has been provided the accurate refunds per what Amazon has stated. 

  
  As a courtesy Affirm has requested further review of her loans and her evidence by our Resolutions team to see if we can assist further. As soon as they have had the opportunity to review they will be in direct contact with her. 
  We apologize for any frustration this situation may have caused for **********************. In the event that she has any additional questions, we ask for her to contact Affirm directly via email.
  

  
  

  Customer Answer

  Date: 03/01/2024

  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:02/07/2024

  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.

  Complaint #******** I filed the above complaint against Affirm for trying to hold me accountable for a loan that was a scam. The outcome of that complaint was in my favor. Affirm then reported the loan to the credit bureaus. I disputed the activity but Affirm apparently told the credit bureaus it was a legitimate transaction. Although I provided details to *********** along with a transcript from the previous complaint I still cant get the loan removed from my credit report.

  

  Business Response

  Date: 02/22/2024

  Thank you for the opportunity to respond to *************************** BBB complaint regarding a loan reporting to the credit bureau. 
  
  Affirm has reviewed the account and loan ****-RVXO again and have determined that the merchant dispute was closed in their favor. 
  
  We have investigated any credit reporting implications as a result of their recently adjudicated merchant dispute and have taken steps to ensure that it is not inaccurately reflected on their credit report. Please allow 3-5 business days for this change to reflect. 
  
  We apologize for any frustration this may have caused. In the event that they have any further questions, Affirm encourage them to reach out to Affirm via ************************************************************
  
  

  Customer Answer

  Date: 02/22/2024

  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. As long as the loan is removed from my credit report I accept the resolution.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:02/06/2024

  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 experience with Affirm regarding the UE8JRHXX account has been marred by their inaccurate and unlawful reporting practices. Despite the account being long since paid off, Affirm has unjustly labeled it as "charged off" and continues to claim a remaining balance of $127, which was actually returned due to a manufacturing defect in a small appliance.I diligently communicated this discrepancy to Affirm over a year ago, providing evidence of the return and the absence of any outstanding balance. However, Affirm has failed to rectify their mistake, causing considerable issues for me and adversely affecting my credit file.The inaccuracies reported by Affirm have not only damaged my credit standing but also caused undue stress and inconvenience. It is unacceptable for a company to disregard their customers' *************** and perpetuate erroneous information that undermines their financial credibility.I demand that Affirm take immediate action to zero out the falsely claimed balance and expunge the inaccurate "charged off" status from my credit file. Their failure to do so reflects poorly on their commitment to accuracy, transparency, and customer service.It is imperative for ********************** to uphold the principles of fairness and accountability by swiftly addressing and rectifying their reporting errors. I expect nothing less than a prompt resolution to this matter to restore the integrity of my credit file and ensure fair treatment of consumers in the future.

  

  Business Response

  Date: 02/22/2024

  Thank you for the opportunity to respond to Mr. ****** BBB complaint. Affirm has reviewed **************** BBB complaint, which involves his concern that his Affirm loan is not being reported accurately to the credit bureaus.

  Affirm records indicate that Mr. ****** Target loan UE8J-RHWV processed on May 27, 2022 for a purchase of $300.00. This loan has a *****% APR, with 12 monthly payments of $29.24. The loan was charged off on May 28, 2023, after having an overdue balance for 120 days. Affirm's records do not show that any payments have been made towards the loan after it was charged off. At this time, ************** may contact Affirm directly to make payments towards his loan by calling the ************* Team at ************ between the hours of 7 am and 10 pm CST seven days a week.
  
  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.

  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 the Loan Agreements which ************** consented to and approved when he obtained Affirms loans. More information on Affirm's Terms of Service can be found here: **************************************************;

  At this time Affirm has confirmed that all credit reporting is accurate and will have to respectfully decline **************** request to remove credit reporting for loans UE8J-RHWV.
  To date, Affirm has not received any contact nor evidence from ************** regarding his expected refund for the returned product associated with his loan. At this time, Mr. ****** loan is outside of Affirms 60-day dispute window. ************** is encouraged to contact the merchant directly for additional information related to his expected refund. It is important to note that Affirm strictly manages the financial portion of the transaction. All matters of returns, refund, order cancellation, and fulfillment are subject to the merchants policies. When the merchant processes a refund towards an Affirm loan, Affirm will credit the loan balance for that amount.

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