Consumer complaint received 2024-08-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/scrub> 2024, I was making a purchase on XXXX for {$140.00}, I tried to use my Affirm XXXX that had available credit of {$2300.00}, but because i forgot that i locked this card for all purchases and transactions so my purchase was continually declined. I was taken to another screen that instructed me to enter all of my personal information, at the time I believed it was just a security issue. I entered all of the required and requested information and next my purchase was approved ( Loan # XXXX ) At first I did not realize that the approved amount 's was for {$160.00}, because the actual purchase price was for {$140.00}. Unbeknownst to me at the same time in error I apparently applied for a XXXX loan for {$170.00} ( Loan # XXXX ). I immediately notified Affirm of these gross mistakes chatting with XXXX XXXX on XX/XX/XXXX at XXXX. I was told not to worry that on XX/XX/XXXX the purchase amount will be corrected and the second loan will be cancelled. I tried to calmly explain to XXXX that nothing was purchased on Loan XXXX XXXX and I should not have to wait for this loan amount to be closed out. I mean seriously it was a simple mistake and had i realized what I was doing at the time I would never have been so extremely careless. 

I spoke with another representative a few days later that gave me a completely different response stating that the only way Affirm will adjust the amount on Loan XXXX is if XXXX notifies Affirm that the items were returned and I am do a refund, which for the record XXXX notified Affirm of XXXX of my refunds on XX/XX/XXXX, in the amount of {$49.00} at XXXX, which as of today Affirm had yet to adjust the balance to reflect XXXX of the returned items. On XX/XX/XXXX, at XXXX Affirm was notified that another return in the amount of {$50.00} was made and no changes have been made to reflect either return. I have XXXX final item waiting to be processed in the amount of {$49.00}, and seriously wondering when Affirm will update this loan to a XXXX balance and close it. After discussing the issue with the first loan, I brought up loan # XXXX and questioned why if nothing was purchased using this loan why arent they closing it out since it was a gross mistake and the representative that i spoke with stated that the only way Affirm will close this if XXXX notifies them that a return was made and to issue a full refund. I can not begin to tell you extremely frustrating and aggravating this horrible and horrendous ordeal and experience has been dealing with Affirm. I strongly feel that I made a huge mistake dealing with Affirm and that what I am dealing with is predatory loans. I have never dealt with such an unethical and unscrupulous lender. I feel like they deliberately and intentionally refuse to do what is morally and legally right for the sole purpose to scam, cheat and defraud me out of {$41.00} on XX/XX/year>2024. Affirm claims that I owe them {$330.00}, which is absolutely and positively false and incorrect. I owe them nothing. I have spoken with so many representatives by online chat, phone and sent numerous messages on their online portal advising them that I felt they should be thoroughly investigated and brought up on fraud charges and held fully accountable and responsible for their deceptive, deceiving and misleading tactics and practices that take advantage and rip off unsuspecting customers. Affirm had yet to respond to my complaint and concerns and I am respectfully requesting your intervention and assistance with this company that I feel lacks honesty, integrity or reliability. They certainly are not reputable.

Company response to consumer: Closed with explanation