Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
RE : DISPUTE WITH XXXX XXXX THAT INVOLVED INTENTIONAL BULLYING BY REFUSING TO PROCESS RETURNED MERCHANDISE. 

NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, OHIO XXXX PHONE : ( XXXX ) XXXX THE FOLLOWING DOCUMENTS DISPLAY : 1. THE PAID SHIPPING LABEL FOR THE DEFECTIVE MERCHANDISE THAT WAS RETURNED TO XXXX XXXX ON XX/XX/scrub>XXXX XXXX XXXX 
2. EMAILS CONTIAING THE PASSCODE TO THE DIVICE THAT WAS PROVIDED NUMEROUS TIMES BY BOTH PHONE AND EMAIL. 
3. EMAILS BEGGING XXXX  XXXX  AND AFFIRM TO PROCESS THE RETURN AND TO STOP BULLYING ME. 

I PURCHASED A DEFECTIVE PHONE FROOM XXXX XXXX  AND IT WAS RETURN TO XXXX XXXX PROMPTLY. THE THIRD-PARTY FINANCING COMPANY, KNOWN AS AFFIRM, WAS INFORMAED IMMEDIATELY THAT XXXX XXXX HAD BOTH THE DEFECTIVE MERCHANDISE, AND THE PASSCODE OT THE PHONE. I CALLED ON THE PHONE AND GAVE THE XXXX XXXX AGENT THE CORRECT PASSCODE BY PHONE. ADDITIONALLY, I SENT EMAILS INFORMING THEM OF THE PASSCODE. 

HOWEVER, DUE TO THE WORST CASE OF RACIAL BULLYING BY A TELLECOMMUNICATIONS COMPAY IN HISTORY, XXXX XXXX AND AFFIRM REFUSED TO PROCESS MY RETURN. I ENDED UP CALLED XXXX XXXX ON AVERAGE, THREE TIMES PER WEEK FOR OVER A YEAR IN ATTEMPTS TO RESOLVE THIS PROBLEM. ON-LOOKERS TO THE SITUATION WERE HORRIFIED BY THE UNETHICAL AND DOWNRIGHT EVIL BEHAVIOR OF XXXX XXXX. MANY PEOPLE TOLD ME TO SUE THEM. I HAD VERY GOOD CREDT AND THE INTENTIONALLY DESTROYED MY CREDIT AND REFUSED TO FIX IT. 

DISPITE SHIPPING DOCUMENTATION SHOWING THAT XXXX XXXX HAD RECEIVED THE MERCHANDISE, AND THE PASSCODE TO THE DIVICE, THEY REFUSED TO PROCESS THE RETURN. IN A BULLYING CAMPAIN THAT LASTED WELL OVER TWO YEARS, I CALLED THREE TIMES PER-WEED, YET THEY REFUSED TO PROCESS THE RETURN OF THE DEFECTIVE MERCHANDISE. 

I BEGAN CALLING XXXX XXXX XXXX TIMES PER WEEK AND SPOKE WITH MANY AGENTS AND SUPERVISORS. HOWEVER, THEY HAD WRITTEN IN THEIR NOTES TO RACIALLY BULLY ME. THE AGENTS WOULD PRETEND TO HELP ME, BUT THEN REFUSE TO PROCESS THE RETURN. 

THEREFORE, I REQUESTED TO SPEAK WITH THE SUPERVIXORS AND HAD SPOKEN TO SEVERAL OF THEM. THE SUPERVISORS SAID THAT THEY WOULD ASSIST ME EACH TIME, AND THEAT THEY WOULD CALL ME BACK. YET, THE SUPERVISORS WOULD NEVER CALL ME BACK, AND THEY WOULDNT PROCESS THE RETURN. THE XXXX XXXX. 

I CALLED AFFIRM IMMEDIATELY, BUT THEY SAID THAT XXXX XXXX HAD TO TELL THEM IN WRITING THAT THEY HADNT PROCESSED THE RETURN. 

I SWITCHED PHONE COMPANIES TO XXXX, AND THE XXXX XXXX AGENT SAW THE NOTES ON MY CASE, AND REFUSED TO PORT MY PHONE NUMBER. AN AGENT FROM XXXX CALLED XXXX XXXX AND XXXX ADMITED TO THE XXXX AGENT THAT THERE WERE NOTES ONM Y RECORD TO RACIALLY BULLY ME AND NOT TO HELP ME. THE AGENT FROM XXXX TOLD ME TO CONTACT THE FCC. 

THE FCC GOT INVOLVED AND XXXX XXXX ADMITED THEIR WRONGDOING BY REFUSING TO PROCESS THE RETURN AND REFUNDED MY MONEY. HOWEVER, XXXX XXXX NEVER SENT AFFIRM THE WRITTTEN LETTER THAT AFFIRM REQUESTED TO INFORM THEM THAT THEY HAD THE RETURNED MERCHANDISE, ( EVEN THOUGH AFFIRM HAD A COPY OF THE SHIPPING AND RECIVING RECIPET ). 

FOR SOME REASON, AFFIRM WANTED A LETTER FROM XXXX STATING THAT THEY HAD THE MERCHANDISE, BUT DIDNT PROCESS THE RETURN. THIS WASNT FAIR BECAUSE I GAVE AFFIRM THE FEDERAL SHIPPING RECEIPTS AS DISPLAYED BELOW, SHOWING THE COFNIRMATION NUMBER THAT WOULD VERIFY THAT XXXX XXXX HAD RECEIVED IN A TIMELY MANNER AND HAD THE MERCHANDISE IN THEIR POSSESSION. 
A XXXX XXXX SUPERVISOR TOLD AN AFFIRM AGENT IN A THREE-WAY CONVERSATION THAT HE WOULD SEND THE WRITTEN LETTER. HOWEVER, HE NEVER SENT THE WRITTEN LETTER TO AFFIRM TO HAVE THE 90 DAY-LATE READINGS REMOVED. THEREFORE, AFFIRM, REFUSED TO REMOVE THE 90 DAYS LATE CHARGES FROM MY CREDIT WITHOUT XXXX XXXX  WRITEN LETTER. 
XXXX XXXX AND AFFIRM INTENTIONALLY SET ME UP TO RACIALLY BULLY ME FOR OVER TWO YEARS. I RETURNED THIS DEFECTIVE MERCHANDISE THAT I WAS SENT BACK TO XXXX XXXX IN A TIMELY MANNER. I HAVE ADEQUATE WRITTEN PROOF OF THAT RETURN BEING RECEIVED BY XXXX XXXX. I AM SEEKING ALL LATE READINGS FROM AFFIRM TO BE REMOVED FROM MY CREDIT. I HAVE NO OTHER NEGATIVE READINGS ON MY CREDIT OTHER THAN THIS. 

THANK YOU FOR YOUR TIME. IF YOU SHOULD HAVE ANY ADDITIONAL QUESTIONS, PLEASE FEEL FREE TO CONTACT ME DIRECTLY AT THE NUMBER LISTED ABOVE. 

MOST SINCERELY, XXXX XXXX XXXX

Company response to consumer: Closed with explanation