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

CFPB complaint data Grade F 4,401 complaints

Affirm Holdings, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 52 states, reputation grade F.

Complaints by issue type

What consumers report about Affirm Holdings, Inc

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #490

  • VOL 4,401
  • GRADE F
  • 12MO 2,555
  • STATES 52
  • TIMELY 100%
  • ISSUE Attempts to collect debt n…
  • RANK #39
  • COMPOSE #490

Volume peers

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

TrueAccord Corp.TrueAccord Corp.4,343Harris & Harris, Ltd.Harris & Harris, Ltd.4,346Afni Inc.Afni Inc.4,370Affirm Holdings, Inc (this)Affirm Holdings, Inc (this)4,401Aldous & Associates, PLLCAldous & Associates, PLLC4,480
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 →

How the 4,401 complaints break down

Every complaint issue type on record for Affirm Holdings, Inc, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
45.5/100
Affirm Holdings, Inc

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
4,401
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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)
Corpus ranks
#39 volume
#490 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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
87
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
0%
12%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Affirm Holdings, Inc a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 97.5%98%98.5%99%99.5%100%100.5% 10%15%20%25% Timely response rate (%) Dispute rate (%) Affirm Holdings, Inc vs. 10 similar-volume peers, by response speed and dispute rate AFNI INC.Harris & Harris, Ltd.TrueAccord Corp.Aldous & Associates, PLLCDiversified Consultants, Inc.NAVY FEDERAL CREDIT UNIONNCB Management Services Inc.Amsher Collection Services, Inc.Navient Solutions, LLC.CAVALRY INVESTMENTS, LLC
Source: CFPB Consumer Complaint Database

Affirm Holdings, Inc's complaint volume in context

Affirm Holdings, Inc vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

4,401 Top 1% higher than 99% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Affirm Holdings, Inc 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
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.

Top states by complaints against Affirm Holdings, Inc

Across 52 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.