Consumer complaint received 2022-04-26
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I was doing online shopping on XXXX. I had created a cart with several items that I was considering purchasing. I decided that I would use Affirm.com to pay for my purchases, and applied for and was approved to make the purchase. Before actually completing the XXXX purchase, I decided I did not want to incur the debt and never finished my XXXX order. XXXX never processed an order for me on that day. 

On XXXX XXXX I received a congratulations text from Affirm and a payment schedule for the purchase that I made on XXXX. I was able to to talk via instant message and explained what had happened. I was told a ticket would be opened and I would hear from them. 

About XXXX week later, I received notice that I had a message from Affirm. They told me that they could not talk with XXXX, but that XXXX did take the money they sent them ( even though there was no order ) on my behalf. I explained again that there was never a completed order. I was told to contact XXXX and to sent them my recent purchase history from XXXX. I did both and received an email from an XXXX customer service representative that reiterated that there was NO Affirm purchases listed in my purchase for the months of XXXX through current. I sent the purchase history and email to Affirm. 

About XXXX weeks ago I got another secure message from Affirm telling me they were looking in to my dispute and would let me know when resolved. I thanked the rep and waited. I continued to get notices that I needed to make a payment on a loan that shouldn't exist. On Friday, XX/XX/XXXX, I received an email that my credit would be impacted if I did not bring my account to current. At that time, I also started to receive XXXX calls a day from the collection department for Affirm. They did not leave a message, and my phone kept identifying the calls as 'spam ' but finally today I decided to call the number back and it was Affirm collections. I explained to the rep on the phone that this was in dispute and I wanted to talk with a manager. The rep, XXXX, told me that they did not have any 'managers ' in the unit but he would give me a number to call. I thought that was odd, but took the number. When I tried to call the number, it was a number that was no longer taking calls. 

I went on to the Affirm website, logged in to my account, and found that the messages and the dispute were gone and attachments that I provided - no evidence that there had been a dispute was gone. Affirm.com has no number to call to resolve. I went to the virtual assistant and eventually was told that there was no one that could help me so I would have to email help support. I realized at this time, that Affirm is a fraudulent company and I am being forced to pay money on a loan that I never received for purchases that I never made in order to protect my credit score. I went ahead and paid the {$200.00}. I am educated with a good job and realized that if they can do this to me ; they have probably done it to countless others who have no where to go. Affirm.com needs to be shut down. They are dealing in money and credit and the only phones that work that people can call is their collection department ; where they have no one that can assist with an issue or dispute ; they can only collect money. I believe that this is fraudulent ; I told Affirm it was ; XXXX told them it was ; yet they still were able to swindle me out of {$200.00}

Company response to consumer: Closed with explanation