Consumer complaint received 2021-06-16
Company: Affirm Holdings, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I purchased a XXXX TV from XXXX that was financed with an Affirm loan at check-out the total cost was anout {$640.00}. I was to make a downpayment of approximately {$240.00} on the cost of the TV with a remaining balance of approximately {$400.00} financed through Affirm. XXXX delivered the TV late, it arrived late on XX/XX/XXXX and was completely damaged. On XX/XX/XXXX the same day I requested a replacement. On XX/XX/XXXX I was required to make the downpayment ( even though the item arrived damaged ) because of the loan with Affirm. I made the payment of {$240.00}. On XX/XX/XXXX XXXX issued a {$200.00} partial refund of the cost to my Affirm loan balance for the damaged product and shipment delay. The TV was picked up from my home and scanned by two XXXX  agents ( one XXXX  male and XXXX  female ), on the same day XX/XX/XXXX. Despite multiple calls, XXXX refused to issue a replacement until the original item was received at their warehouse in Nevada, following which I would not receive a replacement until 5-10 business days after. On XX/XX/XXXX I cancelled the order and requested a full refund and cancellation of the loan balance with Affirm. Affirm indicated it could not cancel the loan until XXXX had issued a full cancellation/refund. The tracking confirmation indicates the TV was returned to XXXX on XX/XX/XXXX XXXX  tracking number. On XX/XX/XXXX XXXX responded to my email stating : " I found today that the XXXX Return Tracking # XXXX, for this original order # XXXX, shows as delivered to our XXXX XXXX, NV return center on XX/XX/XXXX at XXXX. The return center is allowed 7 days to check in the shipment and inspect it, as well as initiate the refund into system back to cx 's account, if everything checks out ok. This is the normal process in refunding an item that's return policy calls for 'Post Receipt Replacement '. You should be able to see your refund back in your Affirm account between now and Wednesday, XX/XX/XXXX. '' To date no refund has been issued to my Affirm account. I have contacted Affirm and notified them that the balance is disputed, however, Affirm claims it will require payment by XX/XX/XXXX, of the balance and will report the unpaid balance to my credit report if not paid on that date. I have filed a fraud dispute with my bank to return the {$240.00} payment, however affirm is still maintaining a balance of {$230.00} on my account. No response has been received from XXXX despite multiple emails and contacts on social media. I would like to state that if Affirm misreports the balance owed as unpaid resulting in a negative remark on my credit report, I intend to file a FCRA claim for damages to my report in the amount of {$2500.00} for each misreported item per each report. I have notified XXXX and Affirm and provided them with ample time to investigate and correct the errors.

Company response to consumer: Closed with explanation