Affirm

Affirm has been harassing me for months even though I am making my payments. I lost a job and had to pause payments for a bit once I restarted paying them. They started harassing me at all hours of the day. They just called me after XXXX and I know it is illegal for them to do so. Also, each time I block a number, they contact me with a different one. So, they are purposely harassing me and trying to psychologically torture me. I will be suing after this report as well!! I sent them an email asking them to no longer contact me and they continue to do so.

I am filing a complaint against Affirm regarding a disputed purchase made through XXXX, an online marketplace, for {$1700.00}. The item purchased was XXXX XXXX XXXX XXXX XXXX The seller 's listing stated the item " comes with all the replace accessories. '' Upon receiving the item, the accessories included were counterfeit/non-authentic replacements, not the genuine XXXX XXXX accessories that a reasonable consumer would expect based on the listing description. The listing language presented the accessories as an included feature, not as a disclosure that original accessories had been substituted. I filed a dispute with Affirm on the grounds that the item was not as described. Affirm denied my dispute, stating the item was " as described '' accepting the seller 's interpretation that the phrase " replace accessories '' was a disclaimer rather than a product description. This interpretation is unreasonable and prejudicial to the consumer.…

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I am disputing a charge financed through Affirm for a XXXX XXXX booked via XXXX. The reservation was canceled immediately after booking, and I never stayed at or used the hotel. Despite this, XXXX refused to issue a refund, and Affirm has continued to hold me responsible for the charge after I disputed it twice. This charge is for services never rendered. I acted in good faith by canceling immediately and have documentation showing the cancellation and the fact that I never checked in. Affirms refusal to remove this charge is unjust, and I should not be held liable for a service I did not receive. I am requesting : A full reversal of the loan/charge associated with this transaction Removal of any balance, interest, or fees related to this charge Confirmation that this will not negatively impact my credit I have already attempted to resolve this with both XXXX and Affirm multiple times.…

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Subject : Request for Investigation and Removal of Debt from Credit Report To Whom It May Concern, I am writing to formally dispute and request the removal of a debt that has been reported in my name regarding an account originally associated with Affirm , Inc. and referenced by your company. According to the information provided, this account reflects a balance of {$430.00} as of XX/XX/year>, related to a purchase through XXXX XXXX XXXX. At this time, I am requesting a full investigation into the accuracy and validity of this debt. I do not recall authorizing or having full knowledge of this account in the manner it has been reported. Additionally, I have not received sufficient documentation verifying that this debt is valid, accurate, and legally collectible.…

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My package was forged and dropped on my porch. I filed a dispute witb XXXX, they pushed me to the seller XXXX they pushed me to financer and the police. I filed a complaint with XXXX for driver. Case number XXXX. Affirm denied my dispute by stating that the order was delivered with proof, even though the proof-of-delivery signature is not mine and I submitted evidence showing that the package was left unattended on my porch despite requiring a signature. This was a XXXX XXXX XXXX XXXX Affirm purchase. I provided documentation showing that the delivery record is defective : the shipment required a signature, the signature on the proof of delivery is forged or unauthorized, and timestamped photo evidence shows the package was left on the porch rather than handed to a signer. Affirm closed the dispute without properly addressing that evidence.…

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I am extremely concerned because this company appears to be violating my rights under federal law. Pursuant to 15 U.S.C. 1681s-2 ( a ), data furnishers are legally obligated to report only information that is accurate and complete. The reporting of unverifiable, misleading, or inaccurate information constitutes a serious violation of the Fair Credit Reporting Act and can not be ignored.

Complaint : I am filing a formal complaint regarding an unauthorized charge of {$660.00}, processed on XX/XX/XXXX, on my Affirm account associated with XXXX. I have never made any purchases through XXXX. I contacted XXXX directly, and they confirmed that there are no purchases associated with my name or email. The activity appears to involve misuse of my phone number, which does not constitute valid authorization. There have been multiple fraudulent transactions on my account, including additional XXXX and XXXX charges, which Affirm has already identified and stopped. This {$660.00} charge is part of the same pattern of unauthorized activity. In early XX/XX/XXXX, I spoke with an XXXX representative named XXXX. During that call, I was informed that my email address and phone number were not connected within the account system, and that there was no activity associated with either.…

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I have repeatedly applied for Affirm services and have been denied based on 'inability to verify identity. ' I have contacted Affirm support multiple times. Each time, representatives state the issue is resolved, yet the system continues to deny me. I was promised an email link to upload my government ID to manually verify my identity, but Affirm has failed to send this link despite multiple requests. Under the Equal Credit Opportunity Act ( ECOA ), I am entitled to a specific reason for denial and a fair opportunity to provide the necessary verification. Affirms internal technical failure to provide the promised verification method is preventing me from accessing credit. I request that Affirm manually trigger the identity verification process or provide a secure portal to upload my documentation immediately. ''

On or around XX/XX/year>, I was charged for a purchase through XXXX using Affirm financing. I was charged multiple times, including an initial charge and an additional charge through an Affirm loan. Despite these charges, I did not receive any product or service. The transaction was later canceled, yet I was still charged a {$290.00} fee, which was described as a consultation fee, even though no meaningful service was provided beyond submitting basic information online. I disputed the charges with Affirm, explaining that I never received any product or service and that the charges were improper. However, Affirm denied my dispute, stating that the merchant acted within their policy. Their response repeatedly referred to returning a product, which is inaccurate, as I never received anything to return. This situation involves billing for goods/services not received, duplicate charges, and an unjustified fee after cancellation.…

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The issue is with Affirm ( affirm.com ) My identity is incorrectly linked to a phone number that is not mine. I am unable to access or update my account because the verification system fails and times out. Customer support has not resolved the issue. I am requesting that Affirm unlink my identity from the incorrect account and allow me to register or update my correct phone number.

Despite my previous XXXX requests XXXX through certified mail ), the unverified item ( AFFIRM ) listed below remains on my credit report. I requested on XXXX occasions that XXXX verify with the lender that the item listed below is accurate and provide me with the documents and contact information XXXX used to validate the item from AFFIRM. The only information I received any documents from XXXX obtained through their investigation to validate the item. Does the Fair Credit Reporting Act 15 U, S, C, 1681 ( g ), ( i ), require, upon request, that XXXX forwarded/send me copies of the documents that they were provided by the lender during investigation to verify the account of my dispute as per my request. I also did not receive information on the AFFIRM company how they verified the accuracy. I have never communicated with this company in any capacity whatsoever ( credit cards/loans/ agreement, etc. ) or received any correspondence from them.…

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Validation of Debt Request - AFFIRM INC - XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am filing a complaint regarding Affirms handling of a disputed transaction involving merchant non-fulfillment. On XX/XX/year>, I made a purchase through The Edit by NL using Affirm financing ( Loan ID : XXXX, amount {$110.00} ). When the package arrived, it contained items I did not order, along with a packing slip clearly showing another customers name and address. This confirms the merchant shipped the wrong order. I contacted the merchant immediately and received no response. I submitted a dispute to Affirm and provided documentation including : My original order confirmation Photos of the incorrect items received The packing slip showing another customers information Evidence of my communication attempts with the merchant Affirm denied my dispute, stating there was insufficient evidence that the order was incorrect. This conclusion is not reasonable given that the shipment included another customers packing slip, which directly demonstrates merchant fulfillment error.…

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On XX/XX/year>, I entered into a consumer loan agreement through Affirm , Inc. ( Loan ID : XXXX ) in connection with a XXXX rental transaction totaling {$1500.00}. A required down payment of {$370.00} was paid at the time of the transaction. The loan was issued through Affirms lending partner, XXXX XXXX, as reflected in the Truth in Lending Disclosure provided. Following execution of the agreement, I confirmed the transaction via telephone with Affirm representatives. Affirm maintains that all customer service calls are recorded, and these recordings should reflect that the transaction was verified and authorized. Despite this, Affirm failed to properly process or complete the transaction. The loan remains active within Affirms system and continues to reduce my available purchasing power ; however, the funds were not properly executed for the intended transaction. As a result, I am unable to utilize the approved credit or obtain alternative financing.…

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My name is XXXX XXXX XXXX writing on behalf of a credit collections account that I have several different times this month alone made it clear I did not all and gave documentation to the credit bureau agency proving such they still less than 30 days. Came back with inaccurate information. I also attempted to contact the corporate office and they chose to do nothing but allow unprofessionalism and inaccuracy to continue and my credit report is displaying an account that I do not owe the information is false on my report, stating I when I do not. The credit bureau agency is XXXX

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I financed {$5200.00} through Affirm ( Loan # XXXX ) with merchant XXXX for personal training services that were never delivered. Despite complete non-delivery of services, Affirm continues to charge me {$1200.00} in interest ( 14.91 % APR ), bringing my total obligation to {$6500.00} for nothing received. I filed three disputes with Affirm all denied. I initiated arbitration the merchant refused to participate. Affirm has now blocked me from filing further disputes while continuing to collect interest. I am requesting full loan cancellation and refund of all payments made to date.

On XX/XX/year>, I was contacted through XXXX and recruited to join a business program called XXXX XXXX XXXX XXXX XXXX. I was instructed to take out an Affirm installment loan of {$2400.00} classified as general merchandise. After completing the loan I discovered this was a scam. I called Affirm the same day while the loan was still in processing status with {$0.00} paid and {$0.00} disbursed to the merchant. Affirm refused to cancel the loan, open a dispute, or take any action to protect me as a fraud victim despite the loan not yet being fulfilled. I am requesting the CFPB investigate XXXX refusal to assist a consumer who reported fraud on the same day the loan was issued while it was still processing.

Complaint Narrative I am filing this complaint regarding fraudulent Affirm transactions resulting from identity theft. I did not authorize these transactions, did not participate in them, and received no benefit. The fraudulent activity occurred on XX/XX/year>, and consists of the following unauthorized charges : {$470.00} {$9.00} {$300.00} These transactions total {$790.00} and are tied to an Affirm account identified as XXXX. This activity is confirmed in my FTC Identity Theft Report, which I filed under penalty of perjury. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) and applicable identity theft protections, Affirm is required to block and remove fraudulent information and can not hold me liable for unauthorized transactions.…

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I attached as much of the documentation for payments that I have access to. I've also attached a conversation that took place between XX/XX/year> and XX/XX/year>. Essentially, the company charged me {$1600.00} worth of interest when no math explains that. The rep gave me several explanations, none of which made any sense, and then proceeded to explain the same non-contextual points. They also avoided answering the questions that would've explained the error. It honestly feels like XXXX was handling my case. I'm not trying to get out of the loan. I'm trying to have the interest I was charged corrected. Although, at this point, I think I should also receive some kind of additional credit towards the loan, XXXX % of the remaining balance. XXXX XXXX XXXX

XXXX a victim of identity theft Someone used my personal information without my authorization to open and use an account with affirm to purchase furniture online with the merchant XXXX XXXX XXXX XXXX I did not apply for this credit and I did not authorize any transaction related with this account on my credit report. I immediately contacted affirm and reported the fraud, and I provided documentation proving that I was not responsible for this purchase. Despite this, the account continues under my name and with collections agency, negatively affecting my credit Im not responsible for this account this includes the name and address where the furniture was delivered which not does not match my information, additionally the individual who used my identity provided their own bank account information which affirm used to withdraw payments I requesting a full investigation and immediate removal of this fraudulent account and any related negative information from my credit report.…

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Affirm /amount XXXX / case ID XXXX Processed XXXX I am disputing a loan issued by Affirm for a XXXX purchase that I did not intentionally complete. I was browsing tickets on XXXX and selected the pay with Affirm option solely to review potential payment terms. I was reviewing ticket prices and payment options and did not knowingly authorize a purchase. Despite contacting Affirm immediately, the dispute process was not handled properly, and I did not receive adequate communication. My dispute was denied without a clear explanation or evidence of authorization .At no point did I knowingly confirm or intend to complete a purchase This situation has caused financial hardship, as l am currently unemployed and awaiting a XXXX determination

I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law.…

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I bought a camera with XXXX for {$630.00} paid through affirm and was given 35.97 % interest. I returned the item due to a defect with the camera and was still charged the full interest amount of the camera. I never paid one single payment on this camera because it was returned before the first payment was even due. I returned as soon as I realized there was an issue with it. I contacted them and they wouldnt disclose with me the date they said it was returned but the interest was a daily accruement. Very deceitful company.

XX/XX/XXXXCFPB CONSUMER COMPLAINT ESCALATED FRAUD & FAILURE TO INVESTIGATEXX/XX/XXXX Company :XX/XX/XXXX Affirm XX/XX/XXXX Product XX/XX/XXXXXX/XX/XXXX Installment Loan / Electronic Fund TransferXX/XX/XXXX Issue : XX/XX/XXXX Unauthorized transaction / Failure to investigate fraud / Lack of response XX/XX/XXXXComplaint Summary :XX/XX/XXXX On or about * * XX/XX/year>XX/XX/XXXX my checking account was debited XX/XX/XXXX {$1000.00} * * for a transaction labeled as an Affirm payment. Additionally, my bank reflects aXX/XX/XXXX pending amount of approximately {$1400.00} XX/XX/XXXX associated with this same issue. I do XX/XX/XXXX not XX/XX/XXXXhave any active loans or financial obligations with Affirm. When I log into my account, it clearly shows XX/XX/XXXX no active or pending loans * *. XX/XX/XXXX Critical Findings from Affirm ( via Customer Support Chat ) :XX/XX/XXXX After multiple attempts to resolve this issue, I communicated with several Affirm representatives.…

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I am filing a complaint regarding an account reported by Affirm Inc. in the amount of {$150.00}. I sent three written requests ( XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX via certified mail ) requesting clarification and documentation regarding this account, including whether IRS Form 1099-C was issued, as required under 26 U.S. Code 6050P. Affirm Inc. has failed to provide any meaningful response. Key issues : The account is being reported as charged off No confirmation has been provided regarding whether the debt was canceled, discharged, or remains collectible No documentation or validation has been provided despite multiple written requests These failures raise serious concerns under : FCRA 1681s-2 ( accuracy and completeness of reporting ) IRS reporting obligations under 26 U.S.C.…

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Validation of Debt Request - AFFIRM INC - YMV * * * * * I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

I transferred funds from my XXXX checking account to an Affirm money account. That transfer took fours days, when I asked to have it returned I was told that it will take up to five business days to be returned. That is an unreasonably long delay on the part of Affirm. No explanation was given for the extended length of time for an electronic transfer. At the time of this writing it is now up to day three. Companies such as Affirm should not be allowed to inconvenience consumers, while also financially benefiting from a delay in transferring funds. Affirm should be required to make same day electronic transfers, not offer an deliberately ambiguous time frame ( 1 to 5 business days ). Their website also lists my transaction as " pending '', with no further information given. It's not acceptable.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Validation of Debt Request - AFFIRM INC - XXXX * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.