Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
XXXX XXXX : Affirm , Inc . 
RE : Consumer loan FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/year> I am disputing Affirms determination that I am responsible for payments totaling over {$8200.00}. Affirm has stated that I must continue paying, but this is incorrect. 

I submitted all information and documentation that Affirm repeatedly requested, including receipts, cancellation confirmations, and other evidence. Despite my compliance and repeated follow-up, Affirm ignored or dismissed my evidence and issued a decision that I am still liable. 

Affirm has not provided a clear explanation of how my documentation was reviewed, nor have they shown proof that the debt is valid. Their decision appears arbitrary, and I believe they are violating my rights under the Fair Credit Reporting Act ( FCRA ) and potentially the Truth in Lending Act ( TILA ). 

This is a problem because : The balance of $ XXXX is inaccurate. 
Affirm has failed to validate the debt properly. 
Their process has been unfair and non-transparent. 
I am being forced to pay for charges I do not owe. 
The other guilty party, XXXX XXXX Hosts ( aka, XXXX XXXX ) still retains my {$400.00} deposit. They should return it to me. 

I request : 1. A full and independent investigation into Affirms handling of my dispute. 
XXXX. Written confirmation that I am not liable for this $ XXXX balance. 
XXXX. Return of my {$400.00} deposit by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Correction of any negative information Affirm has furnished to credit bureaus. 

-- -- -- -- -- -- -- -- -- -- -- -- I signed up for XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>, as evidenced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX days later, XX/XX/year> - after watching XXXXXXXX XXXX XXXXs introduction XXXX XXXX program XXXX times ( to make sure I understood it correctly ) and watching the enthusiasm of his followers, I came to the conclusion that this was XXXX ) not what XXXX XXXX was advertising XXXX XXXX be ( because it required more-than-complete dedication and massive dedication of time virtually every day to make this plan work ), and XXXX ) therefore was not what I was looking for when I believed XXXXXXXX XXXX ( very effective pitch that gave XXXX idea that this would be fairly simple and not very time-consuming. And, apparently, from the comments of the participants in his program, there are many problems which XXXX or XXXX not be able to be satisfied in order to become a success in this field. 

Therefore, I cancelled my participation with XXXX XXXX days after signing up. 
From what I was able to deduce- and it was never stated XXXX way or another by XXXX- this is intended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhat was not me. As I explained in my cancellation letter of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I know I will need more money in the future to handle XXXX XXXX XXXXXXXX ] ... I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' I explained ( as you can see in the attached ) that was where I had to concentrate my attention now, and not on what I see his process to be. I even sent them a copy of XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The XXXX emails I sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXX are noted here. Because I got not XXXX email, not XXXX call, nor any response at all from XXXX and XXXX, I completely stopped writing them. But I did not stop getting dinged for non-payment. 

Everybody over there was right on top of THAT process. Here are those emails XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX When I got no response from XXXX XXXX XXXX  and found no way to email Affirm, I wrote these XXXX snail mail letters to Affirm XXXX XXXX XXXX XXXX AffirmXXXX XXXXXXXX XXXX XXXX During the time of this alleged loan, Affirm sent me nearly XXXX notices of late payment. 

I hereby reiterate my now-demands ( formerly " requests '' ), stating : XXXX. I enrolled in the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. After attending the initial onboarding webinar on XX/XX/year>, it became clear that the program required a significant and ongoing time commitment, which had not been disclosed beforehand and was misrepresented in the marketing. These flaws were implied in all of the marketing, but not specifically detailed. And, while it is clearly a time-consuming and intelligent-straining process, there was no indication or warning of this in any of the marketing information prior to signing up. 
XXXX. I immediately cancelled participatin in the program on XX/XX/year>, just XXXX days after signing up. 
XXXX. I have not accessed, used, or benefited from any of the program content, systems, or services offered by XXXX XXXX or his company. 
XXXX. Despite my cancellation and request for a refund of the {$400.00} deposit, I did not receive any acknowledgment or refund from the merchant. Not a single reply from XXXX XXXX XXXX 
XXXX. XXXX days ago, on XX/XX/year>, I received an email from Affirm that " We've determined that you are responsible for your payment plan '' and that I owe them {$8200.00}. 
XXXX. I believe this " determination '' on their part is incorrect, not based on information ( given but continually asked for again ), not transparent as to their reasoning, and it should be reversed. 
XXXX. Moreover, Affirm should acknowledge that I do not owe them any money, and XXXX XXXX XXXX XXXXhould repay my {$400.00} deposit. Any negative remarks, comments, or dinging by the XXXX major credit bureaus should be corrected to show that I owe nothing no Affirm or XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation