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:02/06/2024

  Type:Order 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.com, Ido not have a contract with Affirm.com, they did not provide me with then original contract as i requested

  

  Business Response

  Date: 02/21/2024

  Thank you for the opportunity to respond to ****************** BBB complaint. Affirm has reviewed ****************** complaint, which involves her concern that she is not responsible for the Affirm loan that was reported to the credit bureau in her name. 
  
  Affirm records indicate that ****************** Amazon loan (ID ********** was processed on November 29, 2021 in the amount of $140.00. ************** agreed to make 12 monthly installment payments of $13.65 and the loan APR is *****%. ************** made one payment of $13.65 towards the loan on December 16, 2021. However, no further payments were made before the loan became more than 120 days overdue. The loan was then charged off on May 20, 2022. On June 21, 2022, ************** paid the remaining balance of her loan. 
  
  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. 
  
  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 the credit reporting associated with her loan. 
  
  In the event ************** has any further questions or concerns, we encourage her to reach out to **********************************************************;

• Initial Complaint

  Date:02/06/2024

  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 have an account with ********************** and I am unsure of the status of the account (whether its in a pay or past due status). Affirm incorrectly listed my email in their system and will not allow me to check on my account online or by phone. They will not provide ANY information to me and constantly tell me they just simply cannot provide the requested info. The customer service reps barely are able to communicate and they are not trying to provide customer with any of the information customer is *********** in regards to pay status on account. Customer recently lost phone and all data on it so customer does not even have a screen shot of purchase info and not sure if affirm has set it up correctly or anything else. This has been a nightmare with no help provided by Affirm in the least bit. Its like they are trying to make sure customer is past due so they can collect more fees.

  

  Business Response

  Date: 02/22/2024

  Thank you for the opportunity to respond to ************** BBB complaint. Affirm has reviewed her complaint which states he has been unable to update her email so she cannot get access to her Affirm account. 
  
  She first notified Affirm of this concern on February 6, 2024, when she called in to get updates on her active loans. At the time of the call the Affirm agent was not able to verify all her information and could not assist with her request. Affirm later was requested to resend the secure link to verify her information so that she may update her email. 
  
  ************** was informed that her email had been updated as of February 9, 2024. She is able to access and use her Affirm account with this information once again. 
  
  In the event she has any further questions or concerns, we encourage her to reach out to ****************************************************.
  
  

• Initial Complaint

  Date:02/06/2024

  Type:Order 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 ********** i do not have a contract with ********** they did not provide me with the original contract as i requested

  

  Business Response

  Date: 02/21/2024

  Thank you for the opportunity to respond to Onix Fogo ************ BBB complaint. Affirm has reviewed Onix Fogo ************ complaint, which involves their concern regarding the credit reporting associated with their Affirm loans. 
  
  Affirm records indicate that Onix ***************************** has three Vrbo loans with Affirm: GZER-4KJE, UTJV-CD7U, and TH2S-XTQ5.
  
  Loan GZER-4KJE was processed on April 14, 2021 in the amount of $2,269.76. Onix ***************************** agreed to make 3 monthly installment payments of $350.14 and the loan had an APR of *****%. The loan required a down payment of $1,269.76 which was submitted on April 12, 2021. Onix ***************************** paid the loan off on July 14, 2021. 
  
  Loan UTJV-CD7U was processed on June 7, 2021 in the amount of $1,225.08. Onix ***************************** agreed to make 12 monthly installment payments of $119.43 and the loan had an APR of *****%. Onix ***************************** made two payments of $119.43 towards the loan on July 7, 2021 and August 5, 2021. No further payments were made towards the loan and it was charged off on January 6, 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, Onix Fogo ************ loan has been charged off to Affirms third party collections partner, **********. Onix ***************************** may contact ********** at ************** to arrange payment towards the loan. 
  
  Loan TH2S-XTQ5 was processed on July 16, 2021 in the amount of $820.52. Onix ***************************** agreed to make 3 monthly installment payments of $287.30 and the loan had an APR of *****%. Onix ***************************** did not make any payments towards the loan and it was charged off on December 15, 2021, to Affirm's third party collections partner, **********. 
  
  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 Onix Fogo ************ request to remove credit reporting for their loans. Onix ***************************** may access the Truth in Lending agreements associated with each loan by logging into their Affirm account online or through the app. 
  
  In the event Onix ***************************** has any further questions or concerns, we encourage them to reach out to **********************************************************;
  
  
  

• 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.

  to the best of my knowledge i was alerted by my bank that someone was trying to charge my atm card. we quickly closed the card and was sent a new one. In Oct 2023 a purchase was made at a ******* for $1800 on an affirm account using my info and bank account without my knowledge. I am 75 years old and never make such a large purchase, i'm living on social security and don't spend a lot. Anyway i contacted Affirm and let them know that it was not me that made that purchase. I spoke to a representative and filed a fraud claim and the told me that it would take ************************** the meantime on Nov 30, 2023 a charge was made on my checking acct. for $183.27 was taken out of my checking acct. i quickly notified my bank and was credited back that amount to my checking. I called my bank back and had to fill out an affidavit that it was not me that made that purchase. I was told by the bank to call Affirm again and deny the charge. that was early DEC. 2023, again they had no record of me calling earlier and had to file a claim again. In the meantime i keep getting late payment notices and to this day no contact from Affirm letting me know on the progress of their investigation. i don't what ******* store is involved and i fill like i'm getting the run around , i do know the acct.#*********. Hope that helps.

  

  Business Response

  Date: 02/21/2024

  Thank you for the opportunity in responding to ******************** BBB complaint. Affirm has reviewed his complaint which states his concerns regarding a loan he claim was unauthorized.
  
  Affirm's records indicate that on October 30, 2023, loan 2L2F-MF26 processed for a purchase with the merchant, ******* for $1,792.62. He agreed to loan terms of *****% Annual Percentage Rate (APR) and 12 monthly payments of $183.27.
  
  On November 30, 2023, **************** contacted Affirm indicating that the loan was not authorized by him. He was advised that his claim would be escalated to the appropriate team.
  
  On December 27, 2023, Affirm's Account Safety Team sent him an email advising that upon review of his claim and the details of his account, he was found to be responsible for the loan. He was instructed to complete a fraud affidavit form in the event he wanted his claim reviewed again. To date, Affirm has yet to receive a completed affidavit form by ****************.
  
  We encourage for **************** to complete the affidavit by completing the form on our *********** at ******************************************************************************. Once completed, it can take up to 30 days for Affirm to review his claim again.
  
  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 ******************** request to remove credit reporting for loan 2L2F-MF26.
  
  We apologize for any frustration this situation may have caused for ****************. In the event that he has any additional questions, we ask for him to contact Affirm directly via email.

• Initial Complaint

  Date:02/06/2024

  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.

  This complaint will be against two companies, affirm and super Arbor. My husband purchased a toolbox with super arbor Last year. They kept telling him it was out of stock, and that they were going to be getting it back in stock in a specific time period He was willing to wait for. After it had been almost a year he canceled his order in September. Due to the fact it was out of the affirm 60 day window affirm refused to give a refund. Super Arbor, then generated an email, letting affirm know that it was their fault and that a refund should be generated. Affirm is stating that they are unable to process this request and are unwilling to return us our $1000 even though we have never received our product. They also are unwilling to let me speak to anybody above a supervisor regarding this.

  

  Business Response

  Date: 02/21/2024

  Thank you for the opportunity in responding to *************************************** BBB complaint. Affirm has reviewed her complaint with regards to her concerns with having a loan refunded.
  
  In reviewing *************************************** complaint, we were unable to locate an affirm account with the information she provided in her complaint.
  
  Affirm is unable to provide any details unless we are able to verify the information to an account as we take the security of all Affirm customers very seriously. Affirm kindly asks for *********************************** to have the account holder contact Affirm directly.
  
  In the event that Ms. *********************************** has any further questions or concerns, we encourage for her to call ************ between the hours of 7AM to 10PM CT seven days a week or by visiting our *********** via ****************************************************.

• Initial Complaint

  Date:02/06/2024

  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.

  Affirm still owes me $809. Every time I call customer support nobody knows what is going on. The vendor, Saatva, is harassing me for the return of the mattress which I dont feel comfortable returning because Affirm cant tell me where that money is. I get different answers every time I call. I have spent at least 4 hours on the phone trying to get this all sorted. Their ********** is loud with people yelling and laughing in the background. I was told my check was in the mail over two weeks ago.

  

  Business Response

  Date: 02/21/2024

  Thank you for the opportunity to respond to ********************************************* BBB complaint. Affirm has reviewed ********************************************* BBB complaint which involves his concern that he has not received his expected refund after returning a product to the merchant associated with his Affirm loan. 
  
  Affirm records indicate that ********************************************* Saatva loan (ID ********** that was processed on January 9, 2023 in the amount of $1,832.72. ************************** agreed to make 6 monthly installment payments of $127.08 and the loan had an APR of *****%. ************************** fully paid off the loan on July 9, 2023. On January 7, 2024 and on February 11, 2024, ********************************************* loan was fully refunded by the merchant (in the partial amounts of $1,733.72, $99.00 respectively). 
  
  As a result, of the refunds, ************************** is due a full refund less any accrued interest. ************************** was advised on January 16, 2024 that he would be receiving his refund via check due to the age of his previous payments. Affirm would like to apologize for the delay in processing this refund check. Affirm has confirmed that ********************************************* refund check of $1,070.23 was issued as of February 21, 2024 with an estimated arrival time of 7-10 business days. ************************** can expect to receive a second refund check for the refund of $99.00 that was processed by the merchant on February 11, 2024. Updates regarding this check payment will be sent via email and/or Affirm's Secure Messaging Portal to **************************. 
  
  In the event ************************** has any further questions or concerns, we encourage him to reach out to 
  **********************************************************;

• Initial Complaint

  Date:02/06/2024

  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.

  Im not liable for this debt with AFFIRM **** I do not have a contract with AFFIRM **** They have not provided me with the original contact per my request

  

  Business Response

  Date: 02/20/2024

  Thank you for the opportunity in responding to Mr. ******* BBB complaint. Affirm has reviewed his complaint which states his request to remove a loan from his credit report.
  
  Affirm's records indicate that on November 10, 2022, Mr. ****** obtained loan 6A2I-HUTX for a purchase with the merchant, Amazon in the amount of $636.22 with loan terms of *****% Annual Percentage Rate (APR), down payment of $159.06 and 18 monthly payments of $33.24.
  
  On April 10, 2023, the loan was 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, ***********. They can be reached by calling **************.
  
  On the dates of October 10, 2023 and February 6, 2024, Affirm received FCRA disputes in which Mr. ****** claimed the loans were being reported to the credit bureaus inaccurately. Affirm closed each of these disputes after confirming the information being reported to the credit bureaus was accurate.
  
  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 your Loan Agreements which you consented to and approved when you obtained Affirms loans.
  
  At this time we have confirmed that all credit reporting is accurate and will have to respectfully decline your request to remove credit reporting for loan 6A2I-HUTX.
  
  Upon review of Mr. ******* complaint, Affirm has no records of him indicating that there was unauthorized activity on his account. If he believes the loan was unauthorized, he 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, he 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 Mr. ******. In the event that he has any further questions, we ask for him to contact Affirm directly viahttps://helpcenter.affirm.com/s/contact-us.

• Initial Complaint

  Date:02/05/2024

  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 opened an account with ********************** back in 12/12/22 and have paid the account within a timely manner. However, as of 09/15/23, every time I attempt to use the account, I receive a letter stating that I am being declined due to an "outstanding external debt with their partnered bank." I have called on several occasions and I have also asked for clarification regarding this alleged outstanding external debt to no avail. To my knowledge, I don't have any external debts with ************ I keep inquiring about this issue to no avail. I would like to know if I owe an outstanding debt with their partnered bank, and what is the information.

  

  Business Response

  Date: 02/20/2024

  Thank you for the opportunity to respond to **************' BBB complaint. Affirm has reviewed **************' complaint, which involves her concern regarding recent loan declinations she has received. 
  
  Affirm records indicate that ************** has applied for financing with Affirm on several occasions between November 15, 2023 and February 4, 2024 and received a declination advising that Affirm's partner bank could not approve her for financing due to the amount of her external outstanding debt. Please note, this does not indicate that ************** has any outstanding debt with Affirm's partner bank specifically. Rather, this indicates that ************** *** have other outstanding accounts that are affecting her current eligibility to finance with Affirm. Additional information that *** have contributed to these declinations can be viewed in the email sent to **************' email for each decision. 
  
  As each loan application is considered separately, ************** must go through the application process to determine what loan options are available to her at checkout. Just because she was declined for a recent loan application does not mean that ************** will not be eligible for financing with Affirm in the future. She is encouraged to continue applying to determine her current eligibility. 
  
  In the event that ************** has any further questions or concerns, we encourage her to reach out to **********************************************************;
  

• Initial Complaint

  Date:02/05/2024

  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.

  On January 2, 2024 at 6:10pm MST, I received a text from the company Affirm that a purchase was made with Amazon in the amount of $524.77. I did not authorize this purchase, Ive never used Affirm on an Amazon purchase, and do not have access to this purchase to even know what it was. I already tried to resolve with affirm but they determined Im responsible for this purchase that I did not make. I have no idea who would have my information or would be capable of doing this, but it is clearly common because it happened to my brother last year and he is still trying to get the matter resolved 7 months later. Affirm does not protect its users and has zero accountability for fraudulent cases. I had to pay to prevent my credit being impacted but it is not right and I should get my money back because I did not make this purchase.

  

  Business Response

  Date: 02/20/2024

  Thank you for the opportunity in responding to ******************** BBB complaint. Affirm has reviewed her complaint which states her claim that a loan was obtained in her name without her authorization.
  
  Affirm's records indicate that on January 2, 2024, **************** obtained loan BJVW-**** (Order IDs: 111-6328677-1027456 and 111-9470573-1504266) for a purchase with the merchant, Amazon for $524.77. She agreed to loan terms of 0% Annual Percentage Rate (APR) and four bi-weekly payments of $131.19.
  
  After the loan processed on January 2, 2024, **************** contacted Affirm claiming the loan was not authorized. On January 9, 2024, an email was sent to her advising that her claim was being escalated to the appropriate team.
  
  On January 31, 2024, Affirm's Account Safety Team sent her an email advising that upon review of her claim, she was found to be responsible for loan BJVW-**** and that her claim would only be reviewed if she provided evidence supporting her claim. 
  
  On February 5, 2024, **************** paid off the loan. Affirm confirms that the loan will not have an impact on her credit score.
  
  We apologize for any frustration this situation may have caused for ****************. In the event that she has any further questions, we ask for her to contact Affirm directly via email.

  Customer Answer

  Date: 02/20/2024

   
  Complaint: 21249393
  
  I am rejecting this response because even though I paid it to prevent any negative outcome for my credit, I did not authorize this purchase. Im a new mom who has been battling health issues - I have a stack of medical bills. I cannot afford to just go paying $500+ for something I didnt even buy. You, Affirm, should protect your users but you fail to do so and fail to make things right. Im not the only one I know who has this exact same experience with Affirm. I dont think your response is acceptable. And I did submit new information (police report) on February 7th. Case ID was ********. 

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

  

  Business Response

  Date: 02/26/2024

  Thank you for the opportunity to respond to ******************** BBB rebuttal, which concerns unauthorized activity on her Affirm account. 
  
  At this time, Affirm's Account Safety Team has investigated ******************** claim to find that she would remain responsible for the balance of her loan, ID BJVW-****. This decision is final but will be reviewed further if **************** can provide new information to support her claim. In the event that **************** can provide further information, she may email it the Account Safety Team for review by responding to their adjudication message from January 31, 2024. 
  
  In the event **************** has any further questions or concerns, we encourage her to reach out to **********************************************************;

• Initial Complaint

  Date:02/05/2024

  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'm not liable with this debt with AFFIRM **** I do not have a contract with AFFIRM **** They did not supply me with the original contract as requested.

  

  Business Response

  Date: 02/20/2024

  Thank you for the opportunity in responding to ******************** BBB complaint. Affirm has reviewed his complaint which states his request to remove a loan from her credit report.
  
  Affirm's records indicate that on October 18, 2022, **************** obtained loan M8R1-R7MO for a purchase with the merchant, American Airlines for $217.61. She agreed to loan terms of *****% Annual Percentage Rate (APR) and six monthly payments of $39.39. 
  
  On May 19, 2023, the loan was 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, ***********. They can be reached by calling **************.
  
  On February 6, 2024, Affirm received an FCRA dispute in which **************** claimed the information being reported to the credit bureaus was inaccurate. Affirm closed this dispute after confirming the information being reported to the credit bureaus was accurate.
  
  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 your Loan Agreements which she consented to and approved when she obtained Affirms loans.
  
  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 M8R1-R7MO.
  
  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 her 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 ****************. In the event that she has any further questions, we ask for him to contact Affirm directly viahttps://helpcenter.affirm.com/s/contact-us.