Verified: February 2026
Important Safety Warning: Beware of fake customer service numbers on Google. Scammers frequently buy ads to promote fraudulent phone numbers. Only use official channels listed below or securely within your Affirm app.
Level 1: Customer Support (Initial Complaint)
- How to complain: Contact Affirm’s customer care via their official Help Center portal at helpcenter.affirm.com/s/contact-us to submit a secure web form or initiate a live chat. You can also call their official customer service line directly at 1-855-423-3729. (Note: Affirm does not use a direct customer support email address; you must use the secure web form, app, or call).
- Availability: * Phone Support: Available seven days a week from 8:00 a.m. to 11:00 p.m. ET.
- Live Chat: Available Monday–Friday from 7:00 a.m. to 7:30 p.m. ET.
- Timeline: Wait 3 to 5 business days for an initial response to submitted web forms, or expect immediate assistance during live chat/phone business hours.
Level 2: Formal Written Escalation & Corporate Office
- Who to contact: If Level 1 is unsuccessful, you must send a formal written notice of dispute by mail. Affirm’s current corporate headquarters for legal correspondence is: Affirm, Inc., 650 California St., Fl 12, San Francisco, CA 94108.
- (Note: Affirm does not publicly list direct executive email addresses for consumer disputes. Formal correspondence must be physically mailed).
- Timeline: Processing physical mail takes time. Expect a minimum of 7 to 15 business days for receipt and routing to the appropriate compliance or legal department.
Level 3: Federal Regulatory Authority (Government Escalation)
- Authority: CFPB (Consumer Financial Protection Bureau). As Affirm operates as a financial technology company and partners with banks (such as Cross River Bank or Celtic Bank) for lending, they are subject to CFPB oversight.
- Portal/Contact: File a complaint online through the official portal at consumerfinance.gov/complaint or call 1-855-411-2372.
- Timeline: The CFPB typically forwards your complaint to Affirm within 15 calendar days and expects a formal, written response from the company.
Level 4: Legal Action & Small Claims (Final Step)
- State Attorney General: File a consumer complaint with your local State Attorney General’s Office. Search online for “[Your State] Attorney General Consumer Protection” to find their official website.
- Small Claims / Arbitration: If your dispute remains unresolved, consider filing a case in Small Claims Court in your jurisdiction or initiating Binding Arbitration as outlined in your specific Affirm Loan Agreement and Terms of Service.
Community Action: Is Affirm still ignoring your complaint? Reply below (do not share your SSN, passwords, or full account numbers), and our community will point you to the right legal templates!