Consumer complaint received 2023-04-15
Company: Affirm Holdings, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Affirm and XXXX car rental failed to investigate thoroughly and violated my consumer rights. I never used the funds of XXXX XXXX car rental loan charged to me through Affirm. Affirm has reported a charge of {$900.00} to my XXXX credit report, and Affirm failed to validate the debt with my original signature on this loan contract. I have contacted XXXX and Affirm since last year, and they could not take any accountability. I have sent them evidence and proof that I was charged for a product I never received nor used. 

XXXX A car reservation made through XXXX XXXX XXXX XXXX  was canceled. 
XXXX XXXX accepted the loan through Affirm despite the car rental reservation cancelation and the buyer 's protection plan purchase. 
XXXXXXXX XXXX XXXX  company refused to refund the money I never received towards a canceled car rental to affirm and reported a charge to my credit report. I have attempted countless times to resolve this issue with affirm and they claim that I have not provided sufficient evidence to support my case. 

Team XXXX XXXX XXXX XXXX  Tue, XX/XX/2022, XXXX to me Creating journeys that matter Hello, We hope you will have a lovely experience wherever XXXX takes you. XXXX XXXX XXXX will be waiting for you at the branch. 
VOUCHER NUMBER GENERAL INFORMATION DRIVER NAME : CAR GROUP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEE YOUR RESERVATION You will receive an email with further reservation details. Please note that this may take up 48 hours. If your reservation is within the next 48 hours, we will prioritize sending your details before your pick-up time. Hope you enjoy your ride. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date for car rental reservation pickup : XXXX XXXX XXXX XXXX XXXX XXXX  a XXXX via XXXX XXXX XXXXXX/XX/2022, XXXX to me Creating journeys that matter YOUR RESERVATION IS CANCELLED Your reservation is canceled. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reply-To : Your loan 's confirmed! 
Hi, XXXX has processed your order, and your Affirm loan is now confirmed. 
We'll send you payment reminders and account updates via email and text, and you can access your account at XXXX 
Your Loan Breakdown With Affirm, you'll never have to pay compounding interest, hidden fees, or unexpected costs. What you see is what you'll pay! 
{$920.00} Loan amount The amount of credit you borrowed through Affirm {$960.00} Total of payments The amount you will have paid after making all scheduled payments {$45.00} Finance charge The amount this credit will cost you Your refund has been processed by XXXX and applied to your loan through Affirm. 
Sign in to view the details of this refund. 
Refund Details Refund amount {$56.00} Refund date Affirm denies issuing the refunded amount above. The Trip Cancellation Coverage was purchased in the reservation. XXXX cancellation policy states, If you have purchased Trip Cancellation Coverage, you will be fully refunded minus the Trip Cancellation Coverage fee when canceling 6 hours before pick up. The car rental reservation was canceled 8 hours before pick up.

Company response to consumer: Closed with explanation