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 14, 2026 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Oct 14, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 14, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 14, 2026 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Oct 14, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 14, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 14, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 14, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 13, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 13, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 13, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 13, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 12, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 12, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Oct 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 12, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 12, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 12, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | 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
Talk about Affirm
No comments yet. Start the conversation - questions are welcome too.