Affirm complaints

Thank you for the opportunity to respond to Mr. Harris's BCA complaint. Affirm has reviewed the complaint, which states their concerns with credit reporting in relation to loan U3JJ-CLUS. Affirm's records indicate that loan ID U3JJ-CLUS was processed on July 15, 2025, for a purchase with the merchant Amazon in the amount of $191.39. This loan carried terms of 0.00 Annual Percentage Rate (APR) and three bi-weekly payments of $47.85. Mr. Harris made a down payment of $47.85 on July 14, 2025, which brought the residual balance to $143.54. Aside from the down payment, a payment of $47.50 was made on November 14, 2025. There was one failed payment attempt on November 14, 2025. The July 30, 2025 due date became 120 days overdue, and the loan charged off on November 28, 2025. A collections payment of $66.00 was made on January 12, 2026, which paid off the loan. Although the loan is now paid off, the history of delinquency will remain. Affirm encourages all customers to make payments on or before their scheduled due date. While no late fees are incurred, late payments may impact a customer's ability to take out future loans with Affirm. If a payment is 30 or more days overdue, some loans originated prior to April 1, 2025 may be reported to Experian as delinquent. If payments are more than 120 days overdue, Affirm reserves the right to refer these loans to third-party collection partners. Once a loan has been charged off, the charge-off status is irreversible. For information on credit reporting for repayment plans originated on or after April 1, 2025, please visit Affirm's Help Center at https://helpcenter.affirm.com/s/article/affirm-credit-reporting. As outlined in Affirm's Terms of Service, Privacy Policy, and the loan agreement, Affirm is required under the Fair Credit Reporting Act (FCRA) to report accurate loan and repayment information to the consumer reporting agencies. Affirm is only permitted to update or correct information if it is determined to be inaccurate, incomplete, or unverifiable. By accepting the terms of the loan agreement, Deon Harris acknowledged and consented to these reporting practices. The current Terms of Service may be reviewed at https://www.affirm.com/terms. As such, Affirm declines the request to delete the reporting associated with loan U3JJ-CLUS, as it was found to be reporting accurately. At this time, we have sent Mr. Harris a copy of the Truth in Lending Disclosure and Loan Agreements bearing Mr. Harris's electronic signature, as well as the Loan Verification documents via email. These documents collectively serve as validation of the debt while it was with Affirm. If there are any further questions or concerns, Affirm encourages Deon Harris to reach out via https://helpcenter.affirm.com/s/contact-us.

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Thank you for the opportunity to respond to your Business Consumer Alliance complaint. Affirm has reviewed the complaint which states your concerns with purchases from Veinci. Affirm's records indicate that loan ID I7KP-ZLAH was processed on October 14, 2025, for a purchase with the merchant, Veinci, in the amount of $45.58. This loan has terms of 0.00 Annual Percentage Rate (APR) and 2 other payments of $22.79 due on October 29, 2025 and November 13, 2025. A payment of $22.79 was made on October 17, 2025. Loan ID ERUW-UCAV was processed on October 26, 2025, for a purchase with the merchant, Veinci, in the amount of $43.46. This loan has terms of 0.00 Annual Percentage Rate (APR) and 2 other payments of $21.73 due on November 11, 2025 and November 26, 2025. A payment of $21.73 was made on November 6, 2025. Affirm's records also indicate that loan ID SWKW-TGKN was processed on October 22, 2025, for a purchase with the merchant, Veinci, in the amount of $45.58. This loan has terms of 0.00 Annual Percentage Rate (APR) and 2 other payments of $22.79 due on November 7, 2025 and November 22, 2025.This loan was fully refunded on November 19, 2025. On November 3, 2025 and November 17, 2025 you initiated disputes for loan I7KP-ZLAH stating that you did not receive the order. While reviewing your disputes and uploaded evidence, the Customer Care team was unable to determine that a refund was due as the evidence provided by you at that time was deemed insufficient. In addition, the merchant provided evidence of delivery to your location. Due to these reasons, both disputes were resolved in the merchant’s favor. On November 17, 2025 and November 30, 3035 you initiated disputes for loan ERUW-UCAV stating that you did not receive the order. While reviewing your disputes and uploaded evidence, the Customer Care team was unable to determine that a refund was due as the evidence provided by you at that time was deemed insufficient. In addition, the merchant provided evidence of delivery to your location. Due to these reasons, both disputes were resolved in the merchant’s favor. After receiving your complaint, we investigated the issue an additional time on your behalf and found that the decision remains in the merchant’s favor. When a dispute is initiated, Affirm's role is to serve as an intermediary. We review the information provided by both you and the merchant to determine whether the merchant adhered to their stated policies and procedures. Both you and the merchant will be given the opportunity to provide supporting documentation or evidence. Affirm will assess all submitted materials and notify you of the outcome via email within approximately 60 days. Please note: Affirm's ability to resolve the dispute is based on the merchants policies and the documentation provided. Final outcomes may reflect the merchant terms. Please note that Affirm simply manages the financing of purchases. Order fulfillment and any returns/refunds are subject to the merchant’s policies. Affirm’s dispute process ultimately relies on the nature of these policies. To that end, Affirm is unable to resolve this dispute in your favor. At this time you remain responsible for the loans and are advised to continue working with the merchant for further resolution. As outlined in our Terms of Service, Privacy Policy and your loan agreement Affirm is required under the Fair Credit Reporting Act (FCRA) to report accurate loan and repayment information to the consumer reporting agencies. We are only permitted to update or correct information if it is determined to be inaccurate, incomplete, or unverifiable. By accepting the terms of your loan agreement, you acknowledged and consented to these reporting practices. You may review current Terms of Service at https://www.affirm.com/terms At this time, Affirm respectfully declines your request to remove the above listed loans from your credit report, as the loans were reported accurately to the credit reporting agencies. In the event that you have any further questions or concerns, we encourage you to reach out to Affirm via https://helpcenter.affirm.com/s/contact-us.

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Thank you for the opportunity to respond to your Business Consumer Alliance Rebuttal. Affirm has reviewed the complaint which states your continued concerns with purchases from Veinci. As previously informed the merchant provided evidence of delivery to your location for both loans I7KP-ZLAH and ERUW-UCAV. As such the dispute resolution remains in the merchant’s favor. You are again advised to continue working with the merchant for further resolution. You are also advised to reach out to the courier with any questions regarding delivery. Loan I7KP-ZLAH was delivered by YANWEN Express, tracking UK542598107YP at 3:12pm GMT on October 20, 2025. Loan ERUW-UCAV was delivered by YANWEN Express, tracking UK576597613YP at 8:30pm GMT on November 4, 2025. Here, we have confirmed that with the information available, all credit reporting is accurate and you were aware of and agreed to the terms of service. Affirm will have to respectfully decline your request to remove credit reporting for the loans. Additional details regarding credit reporting may be found at https://helpcenter.affirm.com/s/article/affirm-and-your-credit-score You also remain responsible for the loans at

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