r/Affirm • u/ttexrbomb • 16d ago

Affirm Charged Off Current Account

Has anyone else had an issue with Affirm suddenly charging off a current account that was paid as agreed?

I had multiple installment loans that were current with on-time payments. Out of nowhere, Affirm marked them “charged off,” changed the balances to $0, and then refused to allow additional payments through the app or customer service.

What’s even stranger is they referenced a bankruptcy from 2017 even though these loans were opened in late 2025, years after the discharge.

I’m trying to determine whether this is an isolated issue or if others have experienced similar reporting/account handling problems with Affirm.

Also, if anybody has a phone number to their legal department, I am getting absolutely nowhere with their customer service.

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u/ParabolonKidd 15d ago

If you had an Affirm account, and had a balance on them when you filed your bankruptcy then you would have had to list them.

If you had an Affirm account and had a zero balance with them, then you are not required to list them.

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u/ttexrbomb 14d ago

The issue is…

12/1/2017 - Ch 7 filed 3/12/2018 - Discharged 12/23/2025 - New Affirm loan - payments on 1/21, 2/17, 3/19, 4/20 5/8/2026 - loan charged off - Customer Service cited 2017 bankruptcy as the reason.

You can’t make this stuff up. I just need somebody at their corporate headquarters to contact me and take this seriously.