Total CFPB complaints
3,497
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 3,497 complaints
Affirm Holdings, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 52 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Affirm Holdings, Inc
- Attempts to collect debt not owed
Attempts to collect debt not owed
1,651 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
927 complaints
- False statements or representation 332
False statements or representation
332 complaints
- Written notification about debt 284
Written notification about debt
284 complaints
- Communication tactics 80
Communication tactics
80 complaints
- Electronic communications 49
Electronic communications
49 complaints
F
Grade F · 47.8/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Affirm Holdings, Inc?
Affirm Holdings, Inc has accumulated 3,497 total CFPB complaints across 52 states, with 1,945 filed in the most recent 12 months against 1,552 historical complaints before that window. The trailing-12-month volume represents 55.6% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 52 states, led by California with 463 and Texas with 406, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 47.8/100 places Affirm Holdings, Inc in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1,945
55.6% of total history
Rising ↑
States active
52
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
F
47.8/100 composite
Response-quality profile
How Affirm Holdings, Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 92.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Affirm Holdings, Inc compare to its peers?
Affirm Holdings, Inc National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action927 (%)
Attempts to collect debt not owed1,651 (%)
False statements or representation332 (%)
Written notification about debt284 (%)
Communication tactics80 (%)
Electronic communications49 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 927 |
| Attempts to collect debt not owed | Debt is not yours | 866 |
| Attempts to collect debt not owed | Debt was result of identity theft | 555 |
| False statements or representation | Attempted to collect wrong amount | 332 |
| Attempts to collect debt not owed | Debt was paid | 190 |
| Written notification about debt | Didn't receive enough information to verify debt | 167 |
| Written notification about debt | Didn't receive notice of right to dispute | 117 |
| Communication tactics | Frequent or repeated calls | 80 |
| Electronic communications | Frequent or repeated messages | 49 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 40 |
Where do complaints against Affirm Holdings, Inc come from?
The states where consumers have filed the most CFPB complaints against Affirm Holdings, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Affirm Holdings, Inc
Across 52 states with at least one filing
- California
California
463 complaints
- Texas
Texas
406 complaints
- Florida
Florida
365 complaints
- Georgia
Georgia
267 complaints
- North Carolina
North Carolina
197 complaints
- New York 160
New York
160 complaints
- Arizona 140
Arizona
140 complaints
- South Carolina 130
South Carolina
130 complaints
Frequently Asked Questions
What is the most common complaint against Affirm Holdings, Inc? ▼
The most common issue consumers report about Affirm Holdings, Inc is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 3,497 complaints filed with the CFPB.
Are complaints against Affirm Holdings, Inc increasing or decreasing? ▼
Complaints against Affirm Holdings, Inc are rising. The company received 1,945 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: 47.8/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 (463 complaints).
What can I do if Affirm Holdings, Inc is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Affirm Holdings, Inc violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |