Consumer complaint received 2024-03-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (SC)

The company who initiated the loan is XXXX. My contact there was XXXX XXXX no last name ). They do XXXX XXXX XXXX with preliminary education in the form of Modules.  In order to have access to the service have to pay {$2000.00} which is done in the form of a loan from Affirm ( XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA ). The loan # is XXXX This is the letter via email that I sent to Affirm on day 2 after signing the loan which I was told by I signed the Affirm loan agreement on XX/XX/XXXX for XXXX, a company that trains and deals with XXXX XXXX XXXX XXXX  cancelled on XX/XX/XXXX I just received an email from AFFIRM today XX/XX/XXXX that I am responsible for the loan. AFFIRM 'S phone # is ( XXXX ) XXXX. They have not given me any reason why they have made this decision. I don't even know what I would paying for as I don't have the course & don't even know where the company is located. 

Letter I sent to Affirm Attached are my ( 2 ) requests for cancellation on Fri. XX/XX/XXXX. One to XXXX and the other to XXXX who I believe would be training. Although he referred me to the modules for a full understanding. At the time of my cancellation request ( XX/XX/XXXX ) ), I had not received any training materials or other resources from XXXX. I decided that the opportunity isn't something that I could commit to and be assured of making sales quickly enough to re-pay the loan. They claim that they would re-pay the loan for the XXXX XXXX mos. I did sign to that effect but I do not see a copy of that agreement anywhere in my email or on the Affirm site. After signing, the email said a copy would be in my Inbox. It is not!! I became increasingly concerned about that and that went into my decision to cancel, as well. 
In thinking about it overnight, it became a scary proposition. In addition to spending my days cold calling people who block calls is not something I look forward to doing. I thought the leads would be pre-qualified when it was first presented to me. 
When I requested cancellation on XX/XX/XXXX, XXXX ( my initial contact person ) stated that my request was understandable & that he would be sending me an email shortly. I did not receive an email until this morning ( XX/XX/XXXX ). 
XXXX initially told me that the cancellation policy required that I complete the course and reach out to the leads by phone within 12 hrs of receiving them. I expressed reservation & concern about the policy but he said that they would honor a refund if I wasn't happy. So I went ahead and signed the loan. Am I sorry I did that!! Note : I do not feel that is a true cancellation policy as they are forcing you to do the course and follow-up on leads when that is not your desire to do so. 
Anyway, I received an email from XXXX  Customer Support on Mon XX/XX/XXXX ( see below ). They sent me what appears to be access to the website portal. I have not opened it as I cancelled 3 days ago. They don't seem to want to acknowledge my cancellation stating that they've never had to cancel in the past and try to avoid it when resources have been utilized. I have not utilized the resources as I didn't have them to utilize. XXXX gave me the impression that I had the ability to cancel if I wasn't happy. He said that others canceled due to it not being right for them. It also appeared to me in my conversation with XXXX, that I might be asked to get involved with marketing which was not my desire. However, by that time, I had already signed the loan agreement. 
In summary, I would like to have the loan dismissed as I have opted out of this program as I have said. Please read the email I sent them in response to the one they sent me this morning. I have not received any communication from them since I sent mine. 

PS. In communication with them, I was never made aware of the company 's location, never knew their last names as it was never typed in the emails. They always identified themselves as the XXXX Team. The only 2 people I spoke with were XXXX XXXX XXXX ( initial sales call & brief so called on-boarding ). The on-boarding was basically me talking abouXXXX XXXX XXXX XXXX I was told that I would receive modules that explain the process. Again I signed for the program on XXXX & cancelled on XXXX. I had not utilized any resources from them as I had not received anything. They emailed me with the portal access on XX/XX/XXXX after I cancelled.