Consumer complaint received 2023-06-17
Company: Affirm Holdings, Inc
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I have already provided a set of information trying to explain this is best as I can. Im a short and sweet In reference to COMPLAINT ID XXXX A loan process by Affirm/ XXXX on XXXX XXXXXXXX XXXX XXXX  website as this wont let me include his name XXXX gon na have the name affirm loan services only but the problem is with XXXX XXXXXXXX XXXX XXXX when I was purchasing a grill has not been satisfied as I have never seen the product I am manly complaining about getting my products or getting some sort of monetary value, relevant to what I agreed to get to the original loan terms I also believe they manipulated me by misleading me into excepting Im OK by claiming that the product was custom and I had no other options. I understood have impulsive my decision to buy this was so I accept the consequences But I also dont understand why I would be speaking with them on the XXXX and the XXXX through phone calls I will be commissioning XXXX XXXX get the phone records of those days and those contacts for he called me and asked what I wanted to do and I told him I wanted to cancel, as stated below in Preface : I apologize for the book that needs to be written. I did not wan na have to communicate this much. Im to dictate it to my phone just to get it written, but I can not let this be marked as Resolved because thats false information they continuously to provide you guys I am going to be providing screenshots to show that they are giving false information, and they are also reaching out to me, in an extortionate manner, I am absolutely done with this company they are not going to provide me my product.. or they wouldve they continuously harassed me Affirm has not listened to my complaint & accepted false efforts to make it look like they resolved a resolution that they know exactly what they are doing, because no one can answer why I dont even have a picture of the jewelry being formed The claim was that the product was custom, I only agreed to pay this loan, because I thought that I had already initiated the process But it can not be a custom product if they do not even have a picture of the jewelry It is a XXXX of XXXX XXXX XXXX gold, set of engrave teeth with my XXXX name on it yet nobody can even provide a picture of it. They have ceased contact with Me as of the last resolution after making me pay for another mold, and to pay for verified signature shipping Im going to try to include all the screenshots to prove the relevancy to that I think Im being sold multiple mold kits to pad the bill, as they had no answer when I told them, I wanted to confirm that I would not be buying any more more cats and they could work with me on fixing it at a later point, but I want in my product then Below Ill try to be brief in mind description of my current year worth a process just to get what I paid for XXXX. I process the dispute within the timeframe to the best of my understanding, and was delayed due to a verification process by the jeweler ( This was an extended after my selfie, and an ID did not work, as it did not match for the loan originated from. I understood this, and tried to correct it with the affirm telling them theyll move back ) -my bank statements has this as a previous address and they sent out the XXXX mold kit in XXXX ( and which I think they took a picture of a boxing claim that the grills was the box XXXX. I asked them to cancel this to avoid this because I needed to play some attention elsewhere, and Ive been stressed and put in distress even further by them repeatedly lying to me XXXX. XXXX worried who are provided a set of dental records to with both of those mold, along with a personally identifying information, considering they contacted me and told me that they can not provide the jewelry stated as custom because I had filed the complaint but I dont understand how something could be purchased them if they are not even attempting to work on the mold XXXX. I was willing to accept and work with them and I can provide additional screenshots it and would like to request that somebody contact me personally through my phone as I dont have time to review my email but I will try to do it better check of it now that things have settled down. 

XXXX. I have contacted the sheriffs office in XXXX XXXX XXXX and got a report ID, which briefly explain the same thing corroborate my claims XXXX. I am trying to maintain full transparency, because You guys are the only ones to give me any relief on other situations which negatively affecting my credit, and I do not want to use this as a service just to reach out to merchants so the latter is an explanation of why Ive only made two payments, and why Ill only be making two payments until I receive the product because I was missed lead into agreeing to pay those first XXXX payments, and that I would receive no dispute resolution even after offering to pay for all the underwriting fees just to make this not have to happen XXXX 

XXXX. I confirmed to affirm that I would not be paying any further if they gave me no resolution so I have stopped paying the loan after the first XXXX payments, as they issued a loan in my name for a product I never received or XXXX never XXXX. Ive contacted the bank for the issued loan try to notify them by the loan is not being paid due to the lack of receiving the product, but that I would be willing to work out something with them in order to not go delinquent but they all confirmed that I need to contact XXXX if I have any issues in which tells me I need to contact the merchant, I already know all of did this preemptively to figure out a payment arrangement and let them know what the merchant was doing The following will include overlapping screenshots to show the pattern of contact dispute no dispute resolution, and then the merchant contacted me blackmailing me due the complaint also, it will show the sheriffs department email for the report I filed it XXXX overlap some other screenshots so please do your best to see the entire picture XXXX trying to show ( Please pardon the crude profile picture I made that as a kid, and now I only use it for spam and merchant communications but the screenshots will include it ) To whoever reviews is thank you so much for your time I understand. This was a book no one wants to read so I personally thank you for being so kind to me to review it and help me as best as you can. 

Im struggling a lot right now and Im experiencing quite a bit of a life shock and I dont have time or effort to continue dealing with chasing down my set of jewelry that I bought and paid for. I believe they are just waiting for a goal to dip ( but at this point it is an investment that I could just melt down if I needed the money and gold ) I have a right to ask whats going on with my product and to be updated in any delays XXXX XXXX and Co have not provided this

Company response to consumer: Closed with explanation