Product: Payday loan, title loan, personal loan, or advance loan

I am disputing and claiming to get full refund of my purchase of XXXX XXXX XXXX ( XXXX ) XXXX program for my wife XXXX XXXX by taking a {$3000.00} loan with 16 % XXXX through Affirm on XX/XX/XXXX. I paid off the loan on XX/XX/XXXX totaling {$3100.00} ( Exhibit XXXX ). The product I purchase through Affirm, which was XXXX XXXX XXXXXXXX XXXX, was overcharged and most services offered through that program were under-delivered than what was offered during enrolment. Find my wife, XXXX XXXX email to XXXX  ( Exhibit XXXX, XXXX, & XXXX ). 

My wife XXXX XXXX XXXX XXXX tried contacting XXXX directly to get a refund ( Exhibits XXXX, XXXX, & XXXX ), which didnt work. She also tried to get a refund through XXXX XXXX XXXX  XXXX XXXX XXXX ). Later, I opened my dispute against XXXX with Affirm XX/XX/XXXX. But, Affirm closed my dispute in a few weeks stating that Affirm can open a dispute only within a 60 days window period of purchase ( see Exhibit XXXX ). However, my dispute was not properly evaluated. The reply I got from XXXX XXXX at Affirm on XXXX states We encourage you to continue working with XXXX in regard to an amicable resolution. ( Exhibit XXXX ). My complaint was not against XXXX. Also, as I stated many times in my previous calls to Affirm, I was not given proper direction how to submit the documents. I was submitting the documents from a different email not associated with the Affirm account when I initiated the complaint with them in XX/XX/XXXX. 

Recent developments indicate that Affirm has agreed to refund consumers who initiated a dispute against XXXX XXXX XXXX XXXX XXXX XXXX ( Exhibit XXXX ). The author of this post XXXX XXXX is a world-renowned Journalist in XXXX magazine ( XXXX XXXX XXXX  ). 

Exhibit XXXX also indicates Affirm is not putting a 60 days window period for refunding consumers who initiated a dispute against XXXX XXXX. It states all disputes ( Exhibit XXXX ). I believe a 60 day window for disputing the services can be can be easily evaluated in a few weeks is understandable. But, for a training program and a well-orchestrated SCAM like the XXXX operating by XXXX, it will take at least XXXX months to understand that it is a scam. 

A recent class action lawsuit against XXXX XXXX XXXX in Superior Court of California for breach of contract. This class action lawsuit was filed by XXXX class members in California against XXXX for breach of XXXX ( Exhibits XXXX and XXXX ). According to the tentative ruling both parties agreed for a settlement amount of {$770000.00}. This clearly states that XXXX XXXXXXXX is not operating under their legal contract with the consumers. 

My wife joined XXXX through their XXXX XXXX XXXX through XXXX XXXX. The XXXX hour long call started with scaring my wife off saying she has no industry connection, her XXXX score is very low along with using very pushy tactics stating XXXX has only a few spots left for this year, it is filling up very fast, enroll fast there are only XXXX spots left, you can not get an industry job without us, all XXXX members get a job in XXXX months etc. etc. and basically never let you off the call for thinking. It is not an isolated experience. Many XXXX victims have complaint going through similar situations. Please see the screenshots attached from XXXX XXXX XXXX complaints against XXXX ( Exhibits XXXX are just a few ) I decided to pay for my wife to join XXXX because of they promised the below services. I am stating why me and XXXX found each and every one of them were mispresented or exaggerated while recruiting XXXX to the program and why we both found XXXX to be a SCAM. 

1 ) Personalized one on one training approach- This was the major reason why I decided to buy XXXX  XXXX program for XXXX XXXX She has a welcome letter from XXXX promising the one-one-one training ( Exhibit XXXX ). But, after joining XXXX, she realized that their personalized approach is through a messaging app called XXXX, where you can ask questions to mentors. There is no personalized one-on-one training in XXXX Their one-on-one training is a LIE. Further evidence that they did not provide one-on-one training can be found in XXXX XXXX complaint against XXXX ( Exhibit XXXX ) in which they never claimed giving a one-on-one training even after XXXX specifically asked XXXX to provide evidence providing one-on-one training. Their claim was that she got a job within 1 year ( can you believe it!! XXXX  year for a PhD to get a job!! ) joining their program, even though in their initial call they said they will refund the money if failed to get a job in XXXX  months and was also stated the same in their website. Their later removed it from their website ( I wish I had taken a screenshot, but I did not realize at that point that XXXX is a scam and I will need that screenshot later to prove that they said XXXX months to my wife ) .. Exhibits XXXX, XXXX & XXXX also provide evidence that she did not use their services to land in her current job. XXXX email to XXXX also states that she found the services offered by XXXX during recruitment was nowhere near the truth ( Exhibit XXXX ) XXXX ) XXXX XXXX editing- My wife got a recycled template to edit and modify my XXXX XXXX No personalization or targeted approach in XXXX profile editing. Till this date no recruiter contacted her seeing my XXXX profile. This claim is substantiated by XXXX XXXX  complaint ( Exhibit XXXX ) XXXX ) Resume building and review- This was another big selling point during the call. Again, my wife received a recycled template ( Exhibit XXXX ). The mentors helped to correct spelling and add some words from the job description. My wife never received an interview call using their functional resume. I later realized that their functional resume wont go through the XXXX XXXX XXXX. The functional resume that XXXX helped to build and promoting didnt help to get even XXXX interview. 

4 ) Live mock sessions- Very time consuming and less efficient which takes hours per day ( Exhibit XXXX ) 5 ) Friday class by XXXX XXXX- Its a one hour class that involves a lot of exercises which is a complete waste of time. We can get a lot of the information XXXX XXXX shared during the class free on XXXX and XXXX. 

6 ) Networking building help- Another big LIE. Its practically non-existent. XXXX XXXX had promised that CSA will help connecting with people in industry to make a network faster. But that service is non-existent in CSA. 

After using their strategy to find a job for XXXX months and applying for more than XXXX jobs, with no results, my wife stopped using their services and asked for a refund. She contacted XXXX XXXX on XX/XX/XXXX ( Exhibit XXXX ) asking for a refund. XXXX refused and she shared a XXXX video ( out of the XXXX meeting ) of my wife agreeing to their XXXX  month refund policy. XXXX is refusing to share the video of XXXX promising the above services. My wife stopped using their services, changed her job search strategy, changed her resume, and landed a job. I REPEAT the factor that she did not use any of their services or strategy to land in her current job. She clearly stated on her email sent to XXXX XXXX on XX/XX/XXXX ( Exhibits XXXX and XXXX ) that she wont be using their services or strategy anymore. My wife landed her current job XXXX  months after sending that email and stopped using their strategy and services ( Exhibit XXXX ). Later XXXX claimed merit on my wife landing a job on her own by using my wifes name and picture without her consent on their website as if she is promoting their services ( Exhibit XXXX ). XXXX XXXX is claiming that XXXX fulfilled their contractual agreement with my wife since she landed an industry job within an year joining their program. XXXX XXXX WITH HER WAS TO PROVIDE THE XXXX SERVICES THAT I LISTED ABOVE AND NOT HER LANDING A JOB ON HER OWN AND THEY TAKE THE CREDIT. I dont think PhDs need the help of CSA XXXX land a job in a year. 
I had no success in getting a refund from them either through direct contact or through BBB ( Exhibit XXXX ). I tried for a refund through Affirm previously. 

I am providing further evidence below to prove that CSA is not acting within their legal contract with the consumers and it is a SCAM. 
1 ) A recent verdict by Superior Court of California providing a ruling against XXXX has reached an agreement including a gross settlement amount of {$770000.00}. This class action lawsuit was filed by XXXX class members in XXXX against XXXX for breach of XXXX ( Exhibits XXXX and XXXX ). This lawsuit was filed in XX/XX/XXXX, XXXX months before my wife joining XXXX. What more evidence does Affirm need to prove that XXXX  is not operating under their contract with consumers? 

2 ) Affirm is no longer doing business with XXXX and even Affirm has agreed getting outrageous number of complaints against XXXX ( Exhibit XXXX and XXXX ). 

3 ) Articles published in XXXX unravels their pushy tactics, unauthorized video recordings, misleading and exaggerated service offerings, signing 1 year contract etc. : XXXX : XXXX XXXX XXXX XXXX XXXX  4 ) Another full review of their scam can be found in XXXX XXXX //XXXX  XXXX ) They are NOT XXXX accredited and has a rating of XXXX. XXXX has received XXXX complaints against XXXX in the last XXXX years. ( Exhibit XXXX ) More details in XXXX XXXX XXXXXXXX XXXX ) Overwhelming complaints against them online : Giving a few cases below XXXX XXXX XXXX, https : XXXX, https : XXXX, https : XXXX 7 ) There are many people who is sharing similar experiences like ours online ( Exhibits XXXX, XXXX ). I can find even hundreds of complaints against them online, proving this is not an isolated experience and XXXX XXXXs basically a scam.