Consumer complaint received 2023-09-21
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX cancelled a purchase due to the available quantity changing before finalizing purchase. 
Affirm  says that they funded the purchase. Affirm, XXXX, and I had a conference call where Affirm asked XXXX for proof that the sale was cancelled at the point of sale. 
XXXX provided the proof requested, and required, by Affirm. 
Affirm continues to demand that I pay them for the money they say that they sent to XXXX. 
Affirm is requiring me to get a refund from XXXX, but since the purchase only exists within the Affirm system, I have no merchandise to return or refund. 
Affirm provided me with XXXX links to the single XXXX purchase which when clicked, lead to error messages in the XXXX system. 
Affirm refuses to accept the proof of the purchase cancellation at the point of sale that Affirm requested from XXXX, directly. 
I have no options. 
Affirm refuses to cancel the loan.

Affirm constantly calls me and disconnects the calls, immediately.

Affirm is sending me emails threatening my credit score. 
I gave them the proof that they had XXXX send me. Affirm told XXXX what to email me. Affirm is now, harassing me. 
I do not need a refund, as I am not paying Affirm for their mistake. 
I made no purchase and have no merchandise to return to XXXX for a refund. 
Affirm is attempting to bully me with harassment, and threats. 
These are the XXXX links that Affirm keeps sending me in their scripted customer service chat : https : XXXX https : XXXX Please try either of these links provided by Affirm? They lead to error messages because XXXX has no record of a completed purchase. 
Affirm has XXXX links to a single purchase that was cancelled at the point of sale that do not correspond to anything within the XXXX system. 
I attached screenshots of the proof requested of XXXX by Affirm in our conference call on XX/XX/2023. 
I attached screenshots of the email from Affirm acknowledging the receipt of the forwarded email from XXXX XX/XX/2023. 
Affirm told XXXX what to send me as proof of the sale being cancelled. 
Affirm acknowledged the receipt of the proof. 
Affirm has links XXXX links to the single purchase that never happened and they do not correspond to anything within XXXXXXXX XXXX system. 
Affirm has an order number that also does not exist within XXXXXXXX XXXX system. 
I attached a screenshot of what you will see when clicking on Affirm 's provided links to XXXXXXXX XXXX website regarding the " purchase ''.

Affirm won't even click on their own links. They just keep sending them. They won't even click on their own " proof '' when harassing me.

Affirm operates on a script.

I have no options.

I am not paying Affirm for this false loan. 
I make on time payments for my other XXXX purchases thru Affirm, and have already paid off another loan. 
I'm not giving Affirm money for nothing. 
They're bullying me, harassing me, and their own " proof '' doesn't exist within XXXXXXXX XXXX  system. 
The loan is false. There was no purchase.

Company response to consumer: Closed with explanation