Affirm Holdings — CFPB Complaint Data

Updated 2026-10-13

Data source: CFPB Consumer Complaint Database. This company’s rollup was computed October 13, 2026. View the live CFPB record.

Source coverage through: September 9, 2026. Last successful pipeline run: October 13, 2026 UTC. Coverage is 33 days behind today.

This snapshot is materially stale; do not treat absolute counts or rankings as current. Confirm the latest record directly in theCFPB database before relying on a total or ranking.

Use this record as context before you pay, respond, or file a complaint: it shows what consumers reported and whether the company responded, but it does not prove wrongdoing or tell you whether your individual debt is valid.

A CFPB complaint means a consumer submitted a complaint against Affirm Holdings and the company was given a chance to respond — it isn't a lawsuit, a fine, or a verified finding that the company did something wrong. Raw complaint counts also aren't adjusted for company size: a large national company will show more complaints than a small one even if it handles a lower share of its accounts poorly.

22% of Affirm Holdings's complaints on record are about "problem when making payments" — the single most common issue category.

Total complaints (ingested)
1,751
Trailing 12 months
1,751
Timely response rate
100%
1751 of 1751 complaints with a timely-response field. Not whether the complaint was resolved.

Have a problem with Affirm Holdings?

A CFPB complaint is free, takes about 10 minutes, and generally requires Affirm Holdings to respond within 15 days. Before you file: attach documents (statements, letters, screenshots), be specific about the product and problem, and state exactly what resolution you want.

File a complaint at consumerfinance.gov →Read the full step-by-step guide →

Top complaint issues

The specific problems people reported, most common first.

  • Problem when making payments382
  • Attempts to collect debt not owed — what to do358
  • Took or threatened to take negative or legal action — what to do346
  • Problem with additional add-on products or services140
  • Charged fees or interest you didn't expect103

Complaint trend (monthly)

Complaints against Affirm Holdings fell 53% over the last 3 months compared to the 3 months before that.

Apr
Jul

State distribution

Where complaints against Affirm Holdings are coming from.

See CFPB complaint trends by category →
How Affirm Holdings compares to other companies, ranked →