Consumer complaint received 2022-04-14
Company: Affirm Holdings, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern. 
I have made purchase on XXXX of items that I promptly returned and was refunded by XXXX. 
For whatever reason I decided to us AFFIRM as a finance company ( that I never heard about before presuming that company affiliated with XXXX is good company. 
I was wrong. AFFIRM is totally behaving in illegal manner. 
Since I was notified by AFFIRM that loan from XXXX was posted I HAD to open an account. What a disaster. Till today after many phone calls with very poorly educated ( or sinister educated ) customer service I never was able to log into my account though AFFIRM has my proper phone number. 
I returned the merchandise to XXXX and got credit that was sent by XXXX to Affirm but, affirm figured out that because they earn any interest it's time to start FLASE CHARGES and started attempt to extort money they I don't owe them. 
I started receiving text messages to make payments. Affirm is extremely difficult to contact but, I was able to talk to their customer service and in my XXXX conversation seems everything was resolved and I DON'T owe them a XXXX. 
Yesterday on XXXX I was checking my credit report on XXXX and to my surprise and anger I found that Affirm placed me on my credit file as " delinquent non-payer '' This company received license to do business on US soil from Office of The Comptroller of Currency and their reputation is just horrifying. It is on me That I didn't read before taking small merchandise purchase on XXXX but, I believe there are office checking how banking business is performed in our country. 
Affirm is a public danger and menace on our country 's body. The attempt to extort from me money that I DON'T OWE is disgusting. 
I am asking CFPB to send my complaint to Office of The Comptroller of Currency so they can stop this deceitful company from committing crimes against Customers in the US.

I made effort and took time to " defend '' myself with Affirm Customer Service and what I got on the phone were lies and deceit. This is highly illegal. Please, see attached documents to see that I indeed purchase two items and signed up for loan with Affirm but, I did returned both items and was credit for it.

I have asked Affirms Customer Service if there is any other charge I am not aware of and if so, I asked that email with proof of purchase be send to me.

Affirm never responded to my demand.

In order to open an account on-line with Affirm, the demand biometric confirmation. I went through entire process and Affirm collected my biometric info but, I never was able to log into my account anyway and their Technical Support is just not educated or willing enough to resolve the issue though they promised that will be done within 24hrs, what a joke.

I am demanding Affirm to delete my biometric information and provide written proof to me.

Collecting information without service is illegal in US.

I am demanding that Affirm IMMIEDATLY will remove FALSE entries in credit bureau and send me written apology for lack of knowledge in business performances and business ethics.

I took only two loans, both were refunded and I DO NOT OWE anything to Affirm!!!! 
Our country is becoming nest for criminals like Affirm and I am asking CFPB to end this once and for all. 
Affirm is attempting to EXTORT AND THAT IS ILLEGAL!!! 
Please, see public opinion on how Affirm is rated by public ( attached ). 
Attached documents both from XXXX confirming refunds and Affirm confirming those transaction show clearly that we are dealing with something criminal against me.

Company response to consumer: Closed with explanation