Consumer complaint received 2023-01-08
Company: Affirm Holdings, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This complaint is against XXXX. It is related to the complaint filed against Affirm ( CFPB Complaint # XXXX ), wherein Affirm denied any responsibility and directed me to address XXXX directly. 

As stated in my complaint against Affirm : " I took out a small loan from Affirm for XXXX airline tickets ( Loan XXXX ) via XXXX in XX/XX/2022. These flights were cancelled, due to extenuating circumstances explained to the airline. The airline initially provided future flight credits. Then, after extended phone conversations, the airline issued a refund. This refund has not been processed by Affirm, despite that I have made extensive good faith contact with them regarding the issue : they were notified by email and phone, I provided appropriate documentation, and I communicated through their " where is my refund '' customer service tool. They have not provided a cancellation of this loan, to date. I filed an internal dispute with Affirm, which has produced no results. Now, many months after the flights were cancelled and the purchase was refunded by the airline, Affirm continues to pretend as if this is a valid loan, demand payment on the loan ( which I have refused to do, as I do not owe any monies ), and threaten me with reputation, legal, credit, and/or service consequences for my failure to pay on a loan that should not even exist. Affirm has not only been harassing and threatening me, they have also provided false and fraudulent information to credit reporting agencies. Since that reporting, they have " charged off '' the loan and sent it to collections via XXXX. I questioned the validity of the collections and offered {$150.00} to simply end this mess, so long as any negative credit reporting or collections information was removed from my credit report. XXXX stated that they can not negotiate and that I would have to speak with Affirm. Affirm stated that they are no longer responsible for the loan and that I would have to speak with XXXX. Many months ago, I filed a complaint with XXXX and Affirm continued to do nothing, placing the burden on me to extract information out of XXXX. After the failure with XXXX, I filed a complaint with the State of Maryland Office of the Attorney General. This Office was not particularly helpful or interested, as they chose to accept Affirm 's statements as fact and question the validity of my own. However, Affirm agreed to rescind credit reporting consequences as part of the process and freeze any negative processes on this loan. Merely days after this Office closed my complaint, Affirm " charged off '' the loan and sent it to collections. Affirm is doing all of this with full knowledge of my employment as a federal law enforcement officer, attempting to use bullying and coercive tactics to force me to pay monies I do not owe out of fear of consequences for my career. They have lied to me, they have lied to XXXX and they have lied to the State of Maryland 's Office of the Attorney General. They have violated agreements made/stated to the State of Maryland 's Office of the Attorney General. Affirm has acted, entirely and wholly, in bad faith throughout this entire process. '' Having been directed by Affirm to contact XXXX, I did so. In keeping with my multiple prior attempts to make contact with XXXX, XXXX did not respond. 
I was offering to pay {$150.00}, if the loan is marked as fully paid ( not settled, charged off, etc. ). Affirm indicated that the balance due, and all issues related to it, are the responsibility of XXXX. XXXX, as a debt collector, is acting wholly in bad faith by failing to communicate with me. My first communication to XXXX occurred on XXXX XX/XX/2022. Since Affirm denies responsibility for the loan, and TrueAccord is refusing to act in accordance with the requirements set forth in the FCRA ( and elsewhere ), I am hereby demanding that any debt I allegedly owe be wholly negated ( not settled, charged off, etc. ) due to the blatant negligence of XXXX and their regular and repeated violations of the FCRA ( and other applicable laws and regulations ). I am further demanding that any negative reporting to any bureaus/agencies ( credit, consumer, etc. ) be wholly and forever rescinded. 

Neither my credit history/report/reputation nor my financial situation is a game. I am tired of being toyed with, bounced between two corporate entities who have no regard for good faith actions or the law.

Company response to consumer: Closed with explanation