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

• 

  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:03/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Affirm financial said I owe for a charge with *******. Called ******* they said it was fraud and took it off my bill, then I get a message from affirm saying I owe them for the charge from *******. I never opened and account with **********************, I dont owe them anything.

  

  Business Response

  Date: 04/11/2025

  Thank you for the opportunity to respond to Ms. ************* BBB complaint. Affirm has reviewed her complaint, which states her concerns of unauthorized activity occurring on her account.
  
  ********************** records indicate that loan U3CM-SNDJ was processed on February 12, 2025 for $536.86 for a purchase with ******* for Accessories with a *****% APR to be paid over 12 monthly installments of $49.30. 
  
  On March 24, 2025, Ms. ************ reached out to Affirm regarding Unauthorized Activity made under her account. The Account Safety team followed up with her on April 03, 2025  informing her that she was found not responsible for the loan or repayment. 
  
  The loan in question has since been marked as unauthorized and her account has been flagged for unauthorized activity. The loans also did not include furnishing and were not reported to Experian. 
  
  As a precaution, the team placed restrictions on this Affirm account from making manual payments and obtaining any future loans. The account will remain locked until she completes Affirms secure verification process. If shed like to move forward with securing her account please call ********************** at ************ so that they can begin the verification process.
  
  Affirm would like to thank her for her patience with this matter. In the event that she has any further questions or concerns, Affirm encourages her to reach out to Affirm via ****************************************************

• Initial Complaint

  Date:03/27/2025

  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 booked a hotel, flight, and protection bundle from Expedia through Affirm on 10/18/2024 at 8:03 AM PST. I canceled the hotel, flight, and protection plan on 10/18/2024 at 8:10 AM PST (as seen on the cancelation pdfs attached). ******* sent emails confirming the cancelation and stating the total amount to be refunded, $959.46. Affirm offered a partial refund on 10/22/2024 of $855.46, not resulting in the full refund given by *******. I opened up a dispute on 11/13/2024, as my next payment was due on 11/21/2024. Affirm froze this loan, meaning they would not let me pay any amount due until the investigation was fully conducted. On 01/07/2025, they emailed to let me know they sided with Expedia and that I needed to pay the rest of the loan in full. I paid the remaining balance of $115.15 on 01/07/2025 (part of this was interest). However, ******* then refunded me the full remaining balance of $104.00 on 1/8/2025. Affirm refunded me the credit of $104 in 3 separate payments. On 1/15/2025, Affirm reported to Experian that I paid this account late by 30+ days. However, I wasn't allowed to pay any amount during the ongoing investigation, never received any services or products, and showed ample evidence I received a full refund minutes after I purchased the bundle. I tried communicating this further to Affirm, but their staff told me that they always freeze accounts during investigations, and if I didn't want it to be frozen, I shouldn't have disputed anything. Also, the rest of the Expedia refund was too late.This is fearmongering to make consumers feel like they should not dispute any claims even if they're clearly in the right due to facing unrightful consequences, and always siding with merchants is the issue. I am making this complaint to get this report removed and for a refund of interest charged of $11.15. I wasn't allowed to pay and make things right with Affirm while we waited for Expedia to refund. I should not be penalized for their process.

  Customer Answer

  Date: 03/31/2025

  Thank you so much for taking on this complaint. Affirm removed the issue from my credit report and it was immediately removed. 
  
  Thank you and your team for your time. This complaint # ********  can be closed. 
  

  
  

• Initial Complaint

  Date:03/27/2025

  Type:Sales and Advertising 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 got married and requested to update my name with Affirm. The process was super inefficient and took more than two weeks for them to update my name. During this name update process, they then suspended my account and would not allow me to use it until they completed the process. I had to send multiple follow up request because they were taking so long. This process needs to be reformed. 03/27/2025 They finally updated my name after I had requested 2 additional follow **** I then went into my account and my spending power went from 3k to 0! My credit has been constant and I never experienced issues like this until you guys suspended my account to update my name! I then went onto the chat feature and two reps on the chat feature were super unhelpful. My limit went to 0 because of you guys not because of my credit. The whole reason I even had a major limit like that was because of my credit. The process does way more harm then good and needs to be updated and reformed. You guys have made me reconsider even using Affirm in the future. Very disappointed.

  

  Business Response

  Date: 04/11/2025

  Thank you for the opportunity to respond to Ms. ******** BBB complaint. Affirm has reviewed the complaint, which states that her purchasing power declined following a name change request.
  
  On March 14, 2025, Ms. ****** called Affirm to request a legal name change. A customer care agent created a case and advised Ms. ****** that a follow up email will be sent. Ms. ****** followed up by calling again on March 24, 2025 and the case was escalated. Affirm sent an email with a verification link and steps to complete to proceed with the name change. Ms. ****** requested for the link to be resent, and a new one was sent on the next day. The email also set expectations to allow up to 4 business days to review the documents provided and complete the legal name change.
  
  On March 27, 2025, Ms. ****** followed up by email advising that she cannot use her account until the process has been completed. Affirm replied to confirm that the legal name change process has been completed. Ms. ****** then reached out by chat to advise that she will be filing a complaint as her purchasing power declined following the change in her account.
  
  ********************** would like to apologize for the delay in processing Ms. ******* name change. Regarding her purchasing power, this is an estimate and loan approval depends on a variety of factors, including the customers credit and specific store where they are shopping. These estimates are valid for 7 days and can be refreshed after by clicking Check your purchasing power. This will then provide an updated estimate of how much can be borrowed. More information about purchasing power can be found here:
  
  ************************************************************************
  
  Please know that we are constantly working on improving our systems and will take note of her feedback to adequately support Affirm customers moving forward. In the event that Ms. ****** has any further questions or concerns, we encourage her to reach out to Affirm via ****************************************************.

  Customer Answer

  Date: 04/12/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* ******

• Initial Complaint

  Date:03/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have an open account with this company Affirm they have been notified by me several times to close my account. My most recent phone call to this company was on date of March, 27, 2025 They keep giving me the run arounds to close my account at my request. My calls are always transferred to different departments stating they can't do anything and they will have to transfer my request to a different department that can handle this delay. I am seeking your assistance with this matter to help me get this account closed with this company. Thank you!

  

  Business Response

  Date: 04/11/2025

  Thank you for the opportunity to respond to Mr. ******* BBB complaint. Affirm has reviewed his complaint, which states his concern with wanting to close his Affirm account but is not able to. 
  
  In order to close an Affirm account, all loans must be paid or no longer active, the Affirm Money account must be zeroed out and close and the Affirm Cards, must be closed. In Mr. ******* case he has no active loans. 
  
  He first reached out via Affirm's chat service on January 9, 2025, to ask for help on closing his Affirm account. The ********************** ************* agent advised that he would need to close his Affirm Money account and his ********************** Cards before he could close the Affirm account. Mr. ****** explained that he was having issue with doing this and the chat ended shortly after.  
  
  He later called again on January 9, 2025, once again requesting that the account be closed. The Affirm ************* agent expired that he has to wait up to 30 days for any and all transactions to process and to please call back on February 4, 2025. On February 12, 2025, he called in as asked and stated that his Money Account was still opened. He was informed that his request was escalated for Affirm to have the Affirm Money account closed. His ********************** Card was closed on February 12, 2025, per his request. 
  
  As of April 11, 2025, Affirm has asked for his consent to be reviewed again for the Affirm Money account to be closed. We apologize for the delay in resolution but once the account can be closed ********************** will be in direct contact with you on the closure. 
  
  In the event that she has any further questions, we encourage her to reach out to Affirm via ****************************************************.
  
  

• Initial Complaint

  Date:03/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally address a matter that remains unresolved on my Affirm account, despite multiple attempts to seek resolution. Several weeks ago, I received communication via email from Affirm confirming that I had won my dispute case. However, to date, no credit has been applied to my account, and the balance in question remains unpaid through no fault of my own.I have called Affirm repeatedly over the last three weeks seeking clarity and action regarding this matter. Each time, I was assured that it was being looked into, but no progress has been made. Now, to my concern, I am receiving notifications stating that my account is at risk of being closed and reported to the credit bureaudespite Affirm acknowledging the dispute in my favor.This situation is deeply frustrating and has caused undue stress. I am requesting immediate action to:1. Apply the appropriate credit to my account as stated in your original email.2. Confirm in writing that this account will not be reported negatively to the credit bureau.3. Reinstate my account in good standing or officially close it with a $0 balance.Please consider this a formal dispute of the current status of my account. If this issue is not resolved within 7 business days, I will be forced to escalate the matter by filing a complaint with the ************************************ (****) and any other relevant agencies.I appreciate your urgent attention to this matter and request a written response confirming resolution.This is the message I got from them today Don't limit your access to Affirm.Your account is getting further behind.Having a tool like Affirm can be a game changer when you need to make a purchase. Unfortunately, a single late payment can prevent you from accessing Affirms services in the future.Dont let your late payment stop you from using Affirm. Make your payment today. ************** $303.45 21 days overdue Pay now Your total overdue balance may be more than this payment

  

  Business Response

  Date: 04/08/2025

  Thank you for the opportunity to respond to Ms. ****** BBB complaint. Affirm has reviewed Ms. ****** complaint, which states her concern regarding a delayed refund being applied to a previously disputed loan.
  

  Affirm records indicate that Ms. ****** iShopShops *** loan 8287-M75E processed on February 6, 2025  in the amount of $1,694.68 with *****% APR. The agreed-upon repayment terms were for 6 monthly payments of $303.45 on the 6th of each month. 
  

  On February 13, 2025, Ms. ****** called Affirm and requested to open a merchant dispute for her purchase. On February 28, 2025, Affirm sent a notification to Ms. ****** that her dispute was resolved in her favor and that she is no longer responsible for payment. 
  

  On March 6, 2025, Ms. ****** reached out to Affirm as she received notification that a payment was due on her loan although the dispute had been won in her favor. The Affirm ************* agent informed Ms. ****** that her loan was being reviewed and that she would receive a notification when the loan was refunded. 
  

  Between March 6, 2025 and March 27, 2025, Ms. ****** received past due notifications. Affirm would like to apologize and acknowledge the agent error that occurred in the handling of Mr. ****** concern. Please know that the Affirm agent was coached to ensure they are able to adequately support Affirm customers moving forward. 
  

  On March 27, 2025, Affirm refunded the loan in full. 
  

  Affirm complies with all requirements of the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Affirm can confirm that this loan was not reported negatively to the credit bureau. 
  

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

• Initial Complaint

  Date:03/27/2025

  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 **** I do not have a contract with Affirm **** they did not provide me with the original contract as i requested.

  

  Business Response

  Date: 04/11/2025

  Thank you for the opportunity to respond to Ms. ******* BBB complaint which states her concerns with credit reporting..
  
  Affirms records indicate they have not received direct communications from Ms. ******* regarding her concerns. 
  
  If she believes this 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 Affirms *********** at ******************************************************************************
  
  In the event that she has any further questions or concerns, Affirm encourages her to reach out to Affirm via ****************************************************

• Initial Complaint

  Date:03/27/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I just have a question that Im having difficulty getting an answer to because their customer service isnt the greatest and I cant get a response to any of my messages. I filed bankruptcy in 2016/2017 and I was told I could still use Affirm once its near the end and Im just trying to figure out if I can use it or if theres anything I can do to use it again.

  

  Business Response

  Date: 04/11/2025

  Thank you for the opportunity to respond to Ms. ****** BBB complaint which states her concerns with loan applications post Bankruptcy status.
  
  Affirms records indicate they were notified of her Bankruptcy on June 30, 2017 and it was discharged on October 30, 2017. 
  
  At this time, a case has been escalated on her behalf to the customer care team regarding the account status.
  
  Ms. ***** can expect a follow up from the team directly in 3-5 business days. When the account status is verified and updated, Ms. ***** is welcome to re apply for a loan with Affirm to see if she qualifies. 
  
  In the event that she has any further questions or concerns, Affirm encourages her to reach out to Affirm via ****************************************************

  Customer Answer

  Date: 04/12/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  **** *****

• Initial Complaint

  Date:03/27/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been an Affirm customer for a while now. At the end of January 2025 I decided to close my account. As required by Affirm I waited 30 days after my last loan was paid off. I called customer service and was informed I had to close my money account before they could close my Affirm account. So I talked to someone who told me he would close it asap. It was not closed. I called 3-4 different times trying to close my money account and each time was told they were closing it and it would take about three day 3/27/25 and was told it would be cancelled. His answer was hopefully it would be soon. I has been over sixty days since I first tried to cancel my Affirm account. Why is it so hard to get it done. I want my affirm account closed this is my last attempt before I go back to my lawyer. He suggested I try to work it out before I move further with him. If Affirm is reading this please close my money account and close my affirm account. It does not have to be this way.

  

  Business Response

  Date: 04/09/2025

  Thank you for the opportunity to respond to Mr. B******** BBB complaint. Affirm has reviewed Mr. B******** complaint, which states his concern regarding closing his Affirm Money account. 
  

  On March 10, 2025, Mr. B****** reached out to Affirm via the Affirm Help Center and requested to close his account. On March 11, 2025, Affirm informed Mr. B****** that the request to close his account needs to be made over the phone and he would need to call in for security purposes. 
  

  Affirm received Mr. B******** phone call on March 11, 2025 and the account closure request was submitted. 
  

  Per Affirm’s Terms regarding account closure “Your request may take up to 30 business days to process.” Mr. B****** can read more about Affirm’s Terms of Service here: *****************************
  

  On April 8, 2025, Mr. B******** Affirm Money account was closed. Once the Affirm Money account was closed, Mr. B******** Affirm account was also closed.  
  

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

  Customer Answer

  Date: 04/09/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. I have accepted this simply because I want to be done with this situation. They make it sound like they worked with me. I waited the 30 days. I made several calls. I am thankful to be done with this business. Their customer support is lacking.

  Buyer beware
  
  Sincerely,
  
  Ronald B******

• Initial Complaint

  Date:03/27/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I tried to use the loan app Affirm for Mr. ****** because it wasnt processing my credit card. Affirm charged me $3243.82 and then denied my loan. I have called Affirm several ************ say they have no power to cancel the loan & to call Mr. ******* Mr. ****** says that Affirm has to cancel. It has no been almost a full week and I have been charged a lot of money for a service I didnt even get approved. I want this money REFUNDED IMMEDIATELY. This is fraudulent behavior and I will never use Affirm again moving forward

  

  Business Response

  Date: 04/11/2025

  Thank you for the opportunity to respond to Mr. ***** BBB complaint. Affirm has reviewed the complaint in which Mr. **** disputes a purchase made using Affirm, stating that he has been charged for a service that was not approved, and demands an immediate refund.
  
  Affirm records indicate that Mr. ***** MR ****** loan (ID: ********** application was completed on March 21, 2025, in the amount of $5,518.82. This loan was approved for 3 monthly installments of $804.26, with an Annual Percentage Rate (APR) of *****%. Mr. **** paid a down payment of $3,243.82 against this loan on March 21, 2025. Subsequently, on the same date, a duplicate loan application was submitted (loan ID: **********. This subsequent application was declined.
  
  On March 25, 2025, Mr. **** contacted Affirm by phone and expressed concern that Affirm had charged him for a purchase that was later cancelled. An Affirm ************* agent reviewed the account, explained the timeframe for resolution, and suggested escalating the customer's case as a high priority to facilitate the refund process. Mr. **** followed up on this and contacted Affirm again on March 27, 2025. An Affirm ************* agent responded, stating that the loan was currently pending merchant processing and that the hold would either be reversed, captured, or expire by April 20, 2025, at which point the loan balance would adjust for any unused funds. The agent advised Mr. **** that if he wished to expedite the removal of the loan, he could contact the merchant,  MR ****** to request removal of the hold or provide proof of order cancellation.
  
  The case was escalated to the relevant team at Mr. ****** request for additional support. On April 1, 2025, an Affirm ************* agent responded to Mr. ***** explaining the loan status and confirming that Affirm could not void the loan until the merchant issued a reversal of the authorization or failed to process the loan by April 20, 2025. In the latter scenario, the loan would automatically void, and the down payment would be reversed. The agent advised Mr. **** to contact the merchant and obtain a screenshot confirming the reversal or cancellation of the loan to assist further. Mr. **** responded, stating that he had already contacted the merchant multiple times without success.
  
  Please note that an Affirm ************* agent followed up with the merchant directly regarding this concern on April 1, 2025. The merchant, Mr. ******* reversed the authorization on the loan, and the loan was voided. This decision was communicated to Mr. **** on April 10, 2025.
  
  Please be aware that once the application was submitted and approved, the responsibility for finalizing the order and processing the loan rests with the merchant. Affirm cannot cancel or void a purchase that is still pending finalization from the store unless we receive direct confirmation that the purchase will not be processed. Affirm simply handles the financial aspect of the purchase.
  
  At this time, Affirm confirms that Mr. **** is no longer responsible for the loan: 0IG5-X541 and that a refund of $3,243.82 was issued to his original payment method on April 1, 2025.
  
  If Mr. **** has any further questions or concerns, we encourage him to reach out to Affirm through our help center at ****************************************************.
  
  

• Initial Complaint

  Date:03/26/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I make payments and they do not process them within their timeframe and my bank is financially punishing me for their ineptitude.

  

  Business Response

  Date: 04/09/2025

  Thank you for the opportunity to respond to Mr. ********* BBB complaint. Affirm has reviewed the complaint which states that his bank account is not being charged on the date mentioned on his payment schedule. 
  
  Affirms records indicate that loan 3FE7-TOKD was processed for $965.69 on May 7, 2024, for a purchase with Drumland. The agreed upon repayment terms were 24 installments of $54.99 at an Annual Percentage Rate (APR) of *****% with payment due on the 8th of each month. Between June 8, 2024 and March 20, 2025 the loan received 10 payments of $54.99 each.
  
  Affirms records also indicate that loan EHM3-OLXM was processed for $63.04 on February 20, 2025, for a purchase with ******. The agreed upon repayment terms were 6 installments of $11.43 at an Annual Percentage Rate (APR) of *****% with payment due on the 20th of each month. Between February 20, 2025 and March 20, 2025 the loan received 2 payments of $11.43 each.
  
  Affirms records also indicate that loan 36YW-4XTR was processed for $698.24 on November 2, 2024, for a purchase with SharkClean. The agreed upon repayment terms were 12 installments of $68.75 at an Annual Percentage Rate (APR) of *****% with payment due on the 2nd of each month. Between November 2, 2024 and April 2, 2025 the loan received 5 payments of $68.75 each and 1 payment of $68.75 which is still processing.
  
  Mr. ******* called Affirm on November 5, 2024 to let us know that his amounts due are not being debited from his bank account on the date it is due but a few days after. An Affirm agent explained that payments made from bank accounts would be processed within 3-5 business days. Affirm has no control over the day the amounts are actually debited in the window of 3-5 business days as payments are managed by our third party payments processor. Mr. ******* escalated the call to a supervisor who informed him that payments made by debit cards are debited from his account the same day.

  Mr. ******* called again on March 14, 2025 to let us know that the payment may fail due to non availability of funds. However, he was going to transfer funds immediately to ensure it is processed. He requested the amount be debited within 24 hours. Affirm explained to him that it is not possible for us to guarantee the amount will be debited within 24 hours, however it will be within 3-5 business days provided sufficient funds to satisfy the payment are available in the account. Mr. ******* called in again on March 18, 2025 letting us know he was unhappy that the payment was not processed as requested within 24 hours.
  
  Affirm would like to reiterate that it is not possible for Affirm to ensure the amounts are debited on a particular date when made from a bank account. However payment will be debited in the 3-5 business days window. Mr. ******* could however, update his payment instrument to a debit card to ensure the payment is debited the same day. Affirm would like to politely decline Mr. ********* request for a billing adjustment as his payment schedule is up to date and accurate.
  
  Affirm appreciates Mr. ********* patience as we responded to his complaint. In the event that he has any further questions or concerns, we encourage him to reach out to ***********************************************************************.