Credit reporting
Affirm: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 733
- Closed with money back
- 0%
- 2023 to 2025
- 186 to 339
Servicemembers filed 7.4% of Affirm's 9,949 complaints in the window, against 2.5% across the directory. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Incorrect information on your report". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 186 in 2023 to 339 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 265 |
| Payday loan, title loan, personal loan, or advance loan | 161 |
| Debt collection | 136 |
| Credit card | 66 |
| Credit reporting, credit repair services, or other personal consumer reports | 58 |
By issue
| Incorrect information on your report | 183 |
| Problem with a company's investigation into an existing problem | 80 |
| Attempts to collect debt not owed | 76 |
| Improper use of your report | 58 |
| Charged fees or interest you didn't expect | 53 |
| 2023: 186 | 2024: 208 | 2025: 339 |
Which accounts, specifically
| Credit reporting | 335 |
| Installment loan | 184 |
| I do not know | 72 |
| General-purpose credit card or charge card | 58 |
| Other debt | 53 |
What went wrong, specifically
| Information belongs to someone else | 72 |
| Their investigation did not fix an error on your report | 62 |
| Account information incorrect | 57 |
| Account status incorrect | 54 |
| Reporting company used your report improperly | 54 |
Busiest month: December 2025, with 43 servicemember complaints. Most were submitted by web.
Most complaints came from FL (75), CA (73), TX (73) , then GA, VA, MD.
How Affirm answered
| Closed with explanation | 733 | 100% |
Affirm responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Credit reporting or other personal consumer reports; Problem with a company's investigation into an existing problem. MD, 2024-08-29. Outcome: Closed with explanation. Complaint 9985440
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Payday loan, title loan, personal loan, or advance loan; Charged fees or interest you didn't expect. AZ, 2024-09-01. Outcome: Closed with explanation. Complaint 9983476
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Credit reporting or other personal consumer reports; Incorrect information on your report. LA, 2024-08-31. Outcome: Closed with explanation. Complaint 9973811
If this is your problem at Affirm
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page. This site's verified guide to the company's own military policies: Affirm SCRA: 6% Cap on Pre-Service Loans, Filed by Webform.
Compare with credit reporting peers
- TD Bank 684 servicemember complaints; 11% with money back
- Fidelity National Information Services, Inc. (Fnis) 574 servicemember complaints; 0% with money back
- Military Star card (AAFES) 545 servicemember complaints; 0% with money back
- Cbc Companies 439 servicemember complaints; 0% with money back
- Discover 1,237 servicemember complaints; 5% with money back
Next in the directory by volume: Transworld Systems, Ccs Financial Services.
Frequently asked questions
How many complaints did servicemembers file against Affirm?
733 complaints tagged servicemember were received by the CFPB about Affirm Holdings, Inc between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 186 in 2023 to 339 in 2025.
What do servicemembers complain about most at Affirm?
Credit reporting or other personal consumer reports accounts for 265 of the 733 complaints, and the most common issue is "Incorrect information on your report" (183). Next: "Problem with a company's investigation into an existing problem" (80).
Does Affirm give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 0 closed with non-monetary relief and 733 closed with an explanation only. Affirm answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.