Consumer complaint received 2023-02-04
Company: Affirm Holdings, Inc
State: NJ
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:
I purchased a product on XXXX in XXXX and there was an option to do a payment plan so I clicked on the button. one month later I was getting threatening texts from a company called Affirm saying I was late on a payment and I own them {$25.00}. it looked like a phishing text because I do not know any company named Affirm so I ignored it. Then yesterday XX/XX/23. I received a threatening call from Affirm stating I'm late on payment and my account will be going to collections. I told the person I do not no Affirm and never did business with you so you have the wrong person. I then received another threading phone call saying I own the money. I then asked what do you do and he replied welend money for purchases products. So I the asked what was the product and he said before I can tell you I need to ask some personal information which got me upset and I asked him how do you have my personal information and he said XXXX. I then called XXXX and they told me that Affim is a company they work with to do some of their purchase options. I then asked XXXX why are they not listed on my invoice showing me that i will be making payments to them and why are they reaching out to me directly since i did not do business with them directly and did not know that they were part of the transaction and this is an violation of my privacy and it is illegal for them to give my personal information to another company with out my authorization. I also explained to XXXX that I've done payment plans before through XXXX and the money was always pulled from my credit card on file but that was after I received a text from XXXX saying they will be charging my card for the payment plan on a specific item, which was fine. So I ask XXXX why is this different and they refused to answer the question and did a conference call with with Affirm who threaten again and said that they will need to ask me some personal information before they can tell me anything about the order. So I said how do you expect me to believe you and pay for anything when they are not on the XXXX invoice and I was never told that it would be a third party that will be paying XXXX and that I will be paying them the installment. I told them that if you send me an invoice from your company with the details of the transaction I will take it to XXXX and pursue them for violating my privacy for withholding that Affirm is the company that is establishing the payment plan and that I would have to pay Affirm directly. That did not happen and the rep said he did not have a invoice he could send me and I said this is fraud because unless I have an invoice from you stating the date and the purchase made was from your company through XXXX I can never be assured that the money I'm paying you is going to pay off the product and them XXXX can then go after me a year later stating that I owe them money based on the invoice they sent me. The guy kept threatening and I said I am going to report you for the illegal practice between Affirm and XXXX selling purchases from their customer to a third part company and giving my personal information away.

Company response to consumer: Closed with explanation