Consumer complaint received 2021-03-24
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2021, {$370.00} was utilized by XXXX whom has a contract with Affirm for loans. XXXX XXXX was sent funds on date from Affirm. XXXX XXXX agreed to get resume written by top individuals in that field of subject with a promise of 48 hour return. Confirmation of start from XXXX XXXX can the next XXXX  on a the writers assignment to the project. An old resume was submitted to XXXX XXXX. I had several request which the company ( XX/XX/XXXXXXXX XXXX agreed to respond within 24 hours however, it was an auto reply ) So, I was not getting the writer to respond but, after 3-4 days he finally respond which, I had already requested by XXXX XXXX for the removal and the response for customer service took two days just for a reply of WHAT IS YOUR ORDER NUMBER? I was totally shocked by the response with their phone number to reach them at XXXX. I told XXXX that they failed to deliver on their advertise promise and I wanted a Refund. Agent stated putting request in should be answered by tomorrow. Called Affirm and told them about the situation. Affirm agreed to file refund with the merchant. I called XXXX XXXX the next day to see if my refund was processed and told to call back the next business day. I called Affirm and told them again what was going. I really like Affirm but told Affirm about XXXX XXXX complaints with the XXXX  reached 444 complaints regarding the same issue. XXXX XXXX is taking money from Affirm and not doing the work leaving the customers to pay the loan and telling the Affirm that their company did the work. I was told I would get with Executive -resume, XXXX makeover and cover.. Resume contain issues related to alignment, grammar and other issues and XXXX was never done. However, the XXXX XXXX today states it was services done as a charge back in XXXX which, I never had service and advised this was XX/XX/2021 and the manager stated, " OH, we are not giving the money back because he feel we worked on it. Now, we can get you another writer but, you will not get the money back. Called Affirm and told them about the fraud being committed by this company and deceit where, Affirm is given money which belongs to us to XXXX XXXX knowing -- no refund will be given but stolen.. NOW< I am out of a resume and I advised AFFRIM I will not pay that loan off due to FRAUD AND FALSE ADVERTISMENT> Your loan confirmation XXXX XXXX has processed your order, and your loan has been confirmed! 
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{$340.00} Loan amount The amount of credit you borrowed through Affirm {$370.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation