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:09/05/2023

  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 affirm account and somebody hacked it and charged ****** dollars and change it was not me it was an unauthorized charge I filled out a fraud complaint with affirm and they will not do anything about it they said I am responsible. I understand its my word against theirs but they should have reached out to verify especially on such a large amount. Im so upset because I can not afford to be responsible for a charge I did not use. I have excellent credit and have always paid affirm in full I feel like they should help with this problem not just tell me there is nothing they can do Im at a total loss of what to do next

  

  Business Response

  Date: 09/18/2023

  Thank you for the opportunity in responding to ************************** BBB complaint. Affirm has reviewed her complaint in which she states her claim that a loan was obtained in her name without her authorization.
  
  Affirm's records indicate that on June 5, 2023, loan SD96-UHHQ processed with the merchant, Crown & Caliber for a purchase in the amount of $9,980.56. The loan had terms of ****% Annual Percentage Rate (APR) and 18 monthly payments of $589.41.
  
  On June 12, 2023, ********************** contacted Affirm claiming the loan was not authorized by her. Later that day, Affirm sent her an email advising that her claim would be reviewed.
  
  On July 7, 2023, Affirm's Account Safety Team sent ********************** an email advising her that upon review of her account, she was found to be responsible for the loan. A fraud affidavit form was sent to her to complete and return in the event that she wanted to refute the decision.
  
  On August 16, 2023, ********************** contacted Affirm requesting for more information regarding her claim. On September 5, 2023, another email was sent to ********************** advising her that she needed to complete the fraud affidavit in order for her claim to be further investigated. 
  
  At this time, Affirm would like to encourage ********************** to complete and return the Affidavit attached to the email sent on July 12 and September 5, 2023. This will allow for a complete and comprehensive investigation with the added benefit of ************************** input and information. 
  
  The information provided within the Affidavit will only be used for the purpose of the investigation. ********************** can find more information regarding Affirm's Privacy Policy at affirm.com/privacy.
  
  We apologize for any frustration this situation may have caused for **********************. In the event that she has any further questions, we ask that she contacts Affirm directly via email.

• Initial Complaint

  Date:09/05/2023

  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.

  On Aug 4,2023 Affirm **** charged my bank account $67.03 and $48.74 from which were both unauthorized. This caused my Aug rent payment to be returned and I was charged a late fee of $215.28 and a NSF fee of $75 by my rental complex. On Sept 4th, 2023 they again charged the same bank account $67.03 and $48.74. I called Affirm to advise that I now have 4 unauthorized transactions on my bank statement and account, and all they kept saying was that they do not see the authorizations on my account. I have no loans open or closed with those payment amounts, and it literally is on my bank statement showing they took the money out twice now. Both the customer care rep and the supervisor asked me to do chargebacks and/or report the payments as fraud to my bank, but I advised them that if I do that my bank will not let anymore Affirm payments clear my account thus not being able to pay my current open loans. I would like Affirm to reimburse me the unauthorized payments totaling $231.54 as with the late and NSF fee totaling $290.28 that my complex charged me for my rent being returned due to Affirm's system error.

  

  Business Response

  Date: 09/20/2023

  Thank you for the opportunity to respond to ********************** BBB complaint. Affirm has reviewed ********************** complaint, which states her concerns with unauthorized payments made to Affirm. 
  
  Affirms records indicate that ******************** currently has six active Affirm loans. However, as noted in her complaint, the amounts of $67.03 and $48.74 do not correspond with her active loans. 
  
  Affirm received phone contact from ******************** on September 5, 2023,  where she advised that she had noticed the charges from Affirm in her bank account. As noted in her BBB complaint, the Affirm agent and supervisor that spoke with ******************** informed her that they were unable to locate charges for the amounts of $67.03 and $48.74, and suggested that she file chargeback disputes with her financial institution. 
  
   As mentioned by our agents, Affirm recommends that ******************** contact her financial institution to file  chargeback disputes. This will allow us to properly investigate the claim and ensure an appropriate resolution for the matter. However, Affirm also recommends that ******************** review any recent purchases she may have made and verify if she may have given someone she knows permission to use her payment instrument. If this is not the case, then Affirm will assess her chargeback dispute accordingly.
  
  Affirm suggests that ******************** inform her bank of the payment amounts and payment dates of her Affirm loans that are unrelated to the unauthorized transaction. For ********************** reference, the loan IDs, payment amounts, and payment due dates are listed below. 
  
  Loan 4D27-PJBD: Payment amount $22.41. Payment due on the 12th of each month.
  Loan ST42-UYKF: Payment amount $38.35. Payment due on the 30th of each month.
  Loan H334-N93J: Payment amount $17.94. Payment due on the 30th of each month.
  Loan IU4G-A63Q: Payment amount $13.66. Payment due on the 8th of each month.
  Loan 22M4-NRYN. Payment amount $29.94. Payment due on the 28th of each month
  Loan N46B-E22V: Payment amount $16.48. Payment due on the 8th of each month. 
  
  
  Affirm thanks ******************** for her continued patience in this matter. Again, Affirm does recommend that ******************** initiate chargeback disputes with her financial institution to ensure an appropriate resolution. 
  
  In the event that ******************** has any further questions, we encourage her to reach out to Affirm via **********************************************************;
  
  

• Initial Complaint

  Date:09/05/2023

  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 purchased a weight loss program, Calibrate and Affirm was the payment company on July 21st, 2023. The payment agreement was for $1674.00. I made that first payment of $139.50 immediately. Affirm says that payment went to Calibrate. Calibrate did not order my blood work as they stated they would. After hours of trying to get ahold of someone at Calibrate, I was told my insurance doesn't work with their program. This was through text on an app. I was never able to talk to anyone at Calibrate as they have no phone number! I immediately asked for a refund. They refunded the money to Affirm on August 25th, 2023 for $1474.00 saying there was a $200 cancellation fee. Since I had already paid the $139.50, I then paid $60.50 to Affirm that same day to close out my account for that $200. Affirm keeps sending me texts daily telling me I owe another $139.50 because I new payment hit on August 21st. After digging on Affirms website for over 30 minutes to find a phone number, I got ahold of someone. I told them I already paid the $200 and they would not accept that. To make this go away I had to pay another $139.50 and demand receipt that this loan is paid off. So I paid $2013.50 total, with a refund of $1474.00. That means I paid $539.50 to 2 companies that I received nothing from and cancelled my account with them within the first 2 weeks of ordering this service. THIS IS A SCAM! If I didn't pay, they were going to affect my credit score. Someone please stop these two companies from doing this!

  

  Business Response

  Date: 09/19/2023

  Thank you for the opportunity to respond to **************** BBB complaint. Affirm has reviewed **************** complaint, which states her concern regarding the status of her loan. 
  
  Affirm records indicate that **************** Calibrate loan HR7D-ST40 processed on July 21, 2023 in the amount of $1,674.00 with ****% APR. The agreed-upon repayment terms were for 12 monthly payments of $139.50 on the 21st of each month. 
  
  On August 25, 2023, the merchant issued a partial refund of $1,474.00 toward the loan. ************** remained responsible for the remaining balance. Please note that Affirm is simply the financier of a purchase and all refunds and cancellations are subject to the policies of the merchant. 
  
  ************** made a payment of $60.50 on August 25, 2023, which did not satisfy the remaining balance. On September 5, 2023, ************** followed up to ask why she was still being asked to pay. Affirm explained to her that the merchant had only issued a partial refund. ************** made a payment of $139.50 on the same day, which settled the loan. 
  
  Affirm can confirm that ************** is no longer responsible for repayment of this particular loan. If ************** believes that she should be issued an additional refund, Affirm encourages her to reach out directly to the merchant in order to work toward a resolution. Affirm has attached a copy of **************** Loan Verification document to this response to confirm the loans settled status. 
  
  If Ms. ***** has documentation showing that the merchant has confirmed she is due a full refund, we ask that she send it directly to Affirm at *************************************** with a reference to her case ID ********. 
  
  In the event that ************** has any further questions or concerns, we encourage her to reach out directly via email. 
  
  

• Initial Complaint

  Date:09/05/2023

  Type:Customer Service 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 had a legal last name change with my local court. My name was updated with the **** ******************************* my banks, credit cards etc... I submitted a request to have my name updated with Affirm back on August 8th, 2023. I have submitted all of the necessary documentation that Affirm requested of me. Since then, I have not been able to purchase anything with Affirm. There have been multiple emails, messages, and phone calls made to get this resolved with no resolution or explanation. Today is September 5, 2023, and I am still on the phone with them trying to get this resolved. I have spent tens of thousands of dollars with Affirm, and have never once missed, or have been late on a payment. This is the worst customer service that I have ever experienced.

  

  Business Response

  Date: 09/21/2023

  Thank you for the opportunity to respond to Mr. ******* BBB complaint. Affirm has reviewed Mr. ******* complaint, which states his concern regarding his recent attempts to apply for a loan. 
  
  Affirm records indicate that **************** updated the name on his account on September 5, 2023. After this update, **************** followed up to ask why he was being declined when he applied for a loan due to his identity when he had previously applied with no issue. 
  
  Affirms Account Safety team reviewed Mr. ******* issue and resolved the matter on September 21, 2023. **************** should now be able to apply for a loan and pass the identity verification. Please note that **************** is still subject to a credit eligibility check when he applies for another loan. 
  
  Affirm would like to sincerely apologize for any inconvenience this may have caused. In the event that **************** has any further questions or concerns, we encourage him to reach out directly via email. 
  
  

  Customer Answer

  Date: 09/22/2023

  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:09/05/2023

  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 purchased a necklace from ***************. I paid off my account from *** in August 2023. I called *************** to verify my status, and a customer service representative informed me that my account was paid in full with a credit of $62 and my credit limit is $6000.00. Affirm called me in August about my doing business with ***. They said they were a 3rd billing company. I asked them to send the signed contract showing or stating me doing business with Affirm (they never did or could provide me with this information). I informed the Affirm representative that I purchased the necklace from ************** and would do business with *** only. After a second call from Affirm, I explained again and asked them to send or email me a copy of a signed contract. Affirm has never produced a copy of a signed contract and ************** said my account is in good standing. During these conversations, the Affirm person said they understood and would take care of the mistake. They never did. I would like to report Affirm for doing subpar business and trying to misrepresent themselves as a reputable third-party above-board billing service.

  

  Business Response

  Date: 09/20/2023

  Thank you for the opportunity in responding to ************************ BBB complaint. Affirm has reviewed his complaint which states his concerns with being charged for a loan he claimed to not have made a purchase for.
  
  Affirm's records indicate that on June 13, 2023, loan HDD8-4TP4 processed with the ***********************, for a purchase in the amount of $5,972.39. ******************** agreed to loan terms of *****% Annual Percentage Rate (APR) and 12 monthly payments of $599.96. To date, Affirm has received no payments from *********************
  
  On July 16, 2023, ******************** called and spoke with Affirm inquiring about recent payment attempts and claimed he made the purchase with the merchant directly. Affirm advised him to contact the merchant directly if he was expecting any refunds by the merchant.
  
  On September 5, 2023, ******************** contacted Affirm again reiterating that he did not make the purchase with the merchant. The agent speaking with ******************** advised him that his loan verification document would be emailed to him. Regrettably, this request was not completed and we will be providing a coaching opportunity to the agent ******************** spoke with on this day for not providing the requested information. Please be advised that ******************** will be responsible for repayment of the loan until the merchant provides a full refund towards the loan. We have provided a copy of ************************ loan verification and Truth in Lending Agreement in our response to this BBB complaint. Together, these documents validate ************************ loan.
  
  We apologize for any frustration this situation may have caused for ********************. In the event that he has any further questions, we ask that he contacts Affirm directly via ****************************************************.

• Initial Complaint

  Date:09/05/2023

  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.

  There was a Priceline loan approved on my account that I reported as fraud- it was not me. Theyre still saying Im responsible but they have no proof.

  

  Business Response

  Date: 09/18/2023

  Thank you for the opportunity in responding to ********************** BBB complaint. Affirm has reviewed ********************** complaint which states her concerns about a loan she claims to not have authorized.
  
  Unfortunately, the personal details provided in ********************** complaint do not match the Affirm account details. Please note, for security purposes Affirm can not disclose account specifics when the information provided does match the Affirm account in question. ********************** would like to apologize for any inconvenience or frustration caused by this. 
  
  Affirm kindly suggests that the account holder reach out directly for further assistance. The account holder can reach out through the Affirm *********** at helpcenter.affirm.com 
  
  In the event that ****************** has any further questions, we encourage for her to reach out to Affirm directly via ****************************************************.

• Initial Complaint

  Date:09/01/2023

  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 company debit monthly amounts from our checking account. When contacted they could not find any electronic information related to **. No explanation as to how the company could debit from us but not have any electronic information. The company informed us that they would start an investigation of fraud.

  

  Business Response

  Date: 09/15/2023

  Thank you for the opportunity in responding to ******************** BBB complaint. Affirm has reviewed her complaint which states her claim that payments were made to Affirm from her bank account without her authorization.
  
  Upon review of ******************** complaint, Affirm was unable to locate any accounts with the information she provided with her BBB complaint.
  
  On September 1, 2023, **************** called and spoke with Affirm indicating that payments made to Affirm were not authorized by her. She was advised that her claim would be escalated to the appropriate team.
  
  On September 5, 2023, Affirm's Account Safety Team sent an email to **************** instructing for her to contact her financial institution to file a chargeback so she can obtain a refund of the funds in question.
  
  We apologize for any frustration this situation may have caused for ****************. In the event that she has any further questions, we ask that she contacts Affirm directly via email.
  
  

  

  Business Response

  Date: 09/15/2023

  Thank you for the opportunity in responding to ******************** BBB complaint. Affirm has reviewed her complaint which states her claim that payments were made to Affirm from her bank account without her authorization.
  
  Upon review of ******************** complaint, Affirm was unable to locate any accounts with the information she provided with her BBB complaint.
  
  On September 1, 2023, **************** called and spoke with Affirm indicating that payments made to Affirm were not authorized by her. She was advised that her claim would be escalated to the appropriate team.
  
  On September 5, 2023, Affirm's Account Safety Team sent an email to **************** instructing for her to contact her financial institution to file a chargeback so she can obtain a refund of the funds in question.
  
  We apologize for any frustration this situation may have caused for ****************. In the event that she has any further questions, we ask that she contacts Affirm directly via email.
  
  

  Customer Answer

  Date: 09/18/2023

   
  Complaint: 20555341
  
  I am rejecting this response because:

  We contacted the **** of Nova Scotia and initiated a complaint for fraudulent activity. The bank referred us to GoCardless a company out of **. A ******** bank, honoring a false debit from a ** company affiliated with a ** company. We filed a complaint with GoCardless but we are skeptical that we can get any resolve from this convoluted mix of companies. GoCardless gave us the option of filing a Complaint with the ******* BBB or file a complaint with ****** ****ing Ombudsman. 

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

  

  Business Response

  Date: 09/22/2023

  Thank you for the opportunity in responding to ******************** BBB rebuttal complaint. Affirm has reviewed her complaint which states her claim that there were payments made to Affirm from her bank account without her authorization.
  
  Affirm is unable to locate any accounts belonging to **************** with the information provided in her complaint.
  
  As previously stated, on September 5, 2023, Affirm's Account Safety Team sent an email to **************** instructing for her to contact her financial institution to file a chargeback so she can obtain a refund of the funds in question.
  
  On September 19, 2023, **************** emailed Affirm requesting for an update on her claim. On September 20, 2023, Affirm sent **************** a fraud affidavit form for her to complete and return so her claim could be investigated further. She was advised that once a completed affidavit was received, it could take up to 30 days for it to be reviewed. **************** sent in an affidavit on September 21, 2023 and it is currently being reviewed.
  
  In the event that **************** has any further questions, we ask that she contacts Affirm directly via email.
  
  

• Initial Complaint

  Date:09/01/2023

  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.

  Yesterday, August 31, 2023, I attempted to create an account with **********************. I entered all of the information the way it was presented on the website. They sent me an *** via text message and entered in the one-time passcode. I received an error notification that my account could not be created at this time. I thought I just needed to give it more time so I attempted to create an account again today, 9/1/2023. I went through the same process with the *** and I received the same error. I tried to contact them through chat and was directed to their phone number. I called the phone number and gave the agent my information. The agent only told me that my account couldn't be created. He didn't give me a reason or explanation. The agent asked me, "what was the first time you attempted to create an account with **********************?" Since it was yesterday, I'm now concerned that a fintech company wouldn't let me create an account which seems to be based on a failed ***. I work at a Neobank so I'm familiar with the *** process and understand the risks. My concern is that there is no way for me to know if someone was attempting to create an account with my name previously. Or if there is another concern that I'm not even thinking of. They did not ask for a credit check or any relevant loan information, because I was denied an account.

  

  Business Response

  Date: 09/15/2023

  Thank you for the opportunity to respond to Mr. ********* BBB complaint. Affirm has reviewed Mr. ********* complaint, which states his concerns with creating an Affirm account. 
  
  *********************** records indicate that ******************** attempted to create his Affirm account on August 31, 2023, September 1, 2023, and again on September 9, 2023. In each instances ******************** was sent an Account Application Disclosure explaining that Affirm could not create an account for him because we could ont verify his identity based on the information received. 
  
  Upon the receipt of this complaint a case has been escalated for further review of the issue that ******************** has encountered. Affirm will be following up with ******************** via email with updates on his case as they become available. Affirm thanks ******************** for his continued patience as we review his request. 
  
  In the event that ******************** has any further questions, we encourage him to reach out to Affirm via ****************************************************
  
  

• Initial Complaint

  Date:09/01/2023

  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.

  Filed a dispute for ******************** back in June 27th. Weapon x refunded the money to affirm August 21st. Currently my loan is still in dispute even though affirm has gotten there money back from the vendor. I am still owed my money I paid into the loan plus it needs to be closed

  

  Business Response

  Date: 09/15/2023

  Thank you for the opportunity to respond to Mr. ********** BBB complaint. Affirm has reviewed Mr. ********** complaint, which states his concerns with receiving a refund towards his purchase, obtained with an Affirm loan. 
  
  Affirms records indicate that loan 40KT-1I9Y processed for $5,698.99 on June 22, 2023, for a purchase with ********************. The repayment terms of the loan are 12 installments of $572.49 at and APR of *****% and payment due on the 22nd of each month. 
  
  At the onset it is important to note that Affirm strictly manages the financial portion of the transaction. All matters of returns, refunds, order cancellation and fulfillment are subject to the policies put in place by the merchant. Without specific evidence indicating that a refund is due, or that the merchant is operating outside of their set policies, Affirm is unable to process a refund. 
  
  Mr. ********** complaint states that the merchant processed a refund towards the Affirm loan on August 21, 2023. However, Affirms records do not show that a refund has been received from the merchant. 
  
  Loan  40KT-1I9Y is currently in a dispute status as Mr. ********* contacted Affirm on June 27, 2023, to report an issue with his purchase, and that he had been unable to reach the merchant. Affirm followed up on July 12, 2023 and requested documentation to determine if a dispute could be opened on Mr. ********** behalf. Affirm received follow up and documentation from ********************* on July 18, 2023. 
  
  On July 23, 2023, Affirm sent Mr. ********* a message to confirm that a dispute was officially opened and provided an overview of the dispute process. At this time, the dispute is ongoing. 
  
  Affirm acknowledges that this has been a lengthy process and thanks ******************** for his continued patience throughout it. Upon the receipt of this complaint Mr. ********* case has been escalated for review of the most recent documentation he has provided on September 5, 2023. 
  
  Affirm will be providing an update to Mr. ********* within his Affirm account as soon as it becomes available. Affirm apologies for any inconvenience or frustration caused by this process. 
  
   In the event that Mr. ********* has any further questions, we encourage him to reach out to Affirm via ****************************************************
  

• Initial Complaint

  Date:09/01/2023

  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 been trying to finish my application with affirm. But they always ask me to end a call and wait for there call. But they never do.

  

  Business Response

  Date: 09/15/2023

  Thank you for the opportunity to respond to ********************** complaint. Affirm has reviewed ********************** complaint, which states his concern regarding the recent loan applications. 
  
  Affirm records indicate that ******************** has attempted to apply for several Affirm loans, but has received declinations for many of his applications. Please note that Affirm considers each transaction separately, the amount that a customer can borrow from ********************** will be dependent on the information that we have at the given time. 
  
  Affirm considers many factors when determining whether we can approve a loan request such as the details of the customers loan request, their credit history, and their repayment history with Affirm if applicable.
  
  ******************** is welcome to try and apply again in the future, however, at this time Affirm regrettably cannot approve his loan application and he will need to utilize a different payment method. 
  
  In the event that ******************** has any further questions or concerns, we encourage him to reach out directly via email.