Debt collection
Affirm debt collection complaints
Consumers have filed 5,232 complaints about Affirm's debt collection, 2,677 in the last 12 months (+98%). Affirm answered 99.9% on time and closed 0% with relief. See the whole Affirm record.
Affirm against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Affirm | 2,677 | 99.9% | 0% |
Latest Affirm debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 21, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 21, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Oct 21, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 21, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 21, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 21, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 21, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 20, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Oct 20, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 20, 2026 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| Oct 20, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 20, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 20, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 20, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 20, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | In progress |
| Oct 20, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | In progress |
| Oct 20, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 19, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 19, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 19, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Oct 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 19, 2026 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Oct 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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