What is the most common complaint against Affirm Holdings, Inc?

The most common issue consumers report about Affirm Holdings, Inc is "Attempts to collect debt not owed", specifically "Threatened or suggested your credit would be damaged". This is based on 4,401 complaints filed with the CFPB.

Are complaints against Affirm Holdings, Inc increasing or decreasing?

Complaints against Affirm Holdings, Inc are rising. The company received 2,555 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Affirm Holdings, Inc's reputation grade?

Affirm Holdings, Inc has a reputation grade of F (score: 45.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Affirm Holdings, Inc respond to consumer complaints?

Affirm Holdings, Inc has a 100% timely response rate to CFPB complaints.

In how many states does Affirm Holdings, Inc operate?

Affirm Holdings, Inc has received CFPB complaints from consumers in 52 states, with the most complaints from California (571 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Affirm Holdings, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 52 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

2,039
Took or threatened to take negative or legal action

1,352
False statements or representation

396
Written notification about debt

374
Communication tactics

137
Electronic communications

80

Data updated September 2026

CFPB complaint disposition

CCDB record affirm-holdings-inc Affirm Holdings, Inc

Grade F · 4,401 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #39 · compose #4571

VOL 4,401
GRADE F
12MO 2,555
STATES 52
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #39
COMPOSE #4,571

Volume peers

Nearest volume peer: Afni Inc. (4,370 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Affirm Holdings, Inc's 4,401 CFPB complaints sit next to Afni Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Distributed filing map

Affirm Holdings, Inc spreads filings across 52 states - California leads at only 13.0%

Despite a broad state map, Affirm Holdings, Inc still sits volume #39 against composite #4,571 - the two RankMaps diverge by 4,532 places. Corpus placement method.

Most-even geography: Lead state under 15%; California still leads at 13.0% across 52 states
Even monthly load: Peak under 8%; Highest month 2026-01 at 7.2% (233 filings)
Divergent corpus ranks: #39 volume; #4,571 composite; Cleanest-composite ladder is 4,532 places worse than volume

How does Affirm Holdings, Inc compare to its peers?

How does Affirm Holdings, Inc compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Affirm Holdings, Inc National average

Complaints (last 12 mo)lower is better

2,555

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

12%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	2,039
Took or threatened to take negative or legal action	1,352
False statements or representation	396
Written notification about debt	374
Communication tactics	137
Electronic communications	80
Threatened to contact someone or share information improperly	23

Where do complaints against Affirm Holdings, Inc come from?

Affirm Holdings, Inc's own per-state count, not a national baseline.

California

571
Texas

566
Florida

451
Georgia

330
North Carolina

240
New York

191
Arizona

183
South Carolina

180

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Affirm Holdings, Inc: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 4,401.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.85702030311697%.

4 peers

Know your rights before responding to Affirm Holdings, Inc: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.