Consumer complaint received 2024-05-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
XX/XX/XXXX ( Saturday ) : I receive a call from XXXX from XXXX XXXX  XXXX after filling out an ad about a job as an " XXXX XXXX ''. He asked me if I have heard of appointment setting and then told me they would be calling me later in the day to further interview me for the job. 
I got a XXXX call after at around XXXX from a guy ( I think his name was XXXX ) . They started asking me what experience I have and they explained to me how I would get paid. I would get paid for setting " qualified calls '' and if these " qualified calls '' result in a sale, I would get commission ( no base pay ). They never explained what the product they were selling was or how I would be finding these customers and setting the appointments. Then he asked me how was my credit and told me that they had investors that are putting money into the company in order to hire more " XXXX XXXX '' and provide services. Then they proceeded to take my information, which seemed normal to me because its a job, and they told me they would set me up with a onboarding call ( which they say is for me to start working ). I set my appointment for the nearest day which was Wednesday the XXXX. 

XX/XX/XXXX ( Wednesday ) : Before I get on the call which was scheduled at XXXX, my friend told me to look them up. To my surprise when I look them up I see reviews on how they scam people and XXXX threads with people describing their experience and that it was a rip off. That they get a loam from Affirm in your name in order to pay-to-work which would be the same thing I would be doing to other people. I got extremely worried and checked my affirm account ( which I have to pay for XXXX purchases in installments ) and I notice the {$4000.00} loan in my account. I start looking for more information and decided to cancel my XXXX XXXX call with them until I figured out what was going on. I ran across a post on XXXX that gave information on how to refund the loan and that is how I came across CFPB. I already talked to Affirm and filed a dispute but I also wanted to use CFPB because I can't risk losing {$4000.00} to a fraudulent pay-to-work scheme that convinced me I was getting an actual job. I do not wish to be part of their pyramid scheme type business and would not like them to receive those {$4000.00} and make me pay for it because they scammed me into a loan convincing me I was getting an actual job. I tried contacting XXXX XXXXhe guy I spoke to the first time and received no response. I ended rescheduling the " onboarding call '' appointment for the next day ( Thursday the XXXX ) so I can talk to them about information on getting the loan refunded. 

XX/XX/XXXX ( Thursday ) : I receive the XXXX  call link for the onboarding call at XXXX and they never joined the call. I waited XXXX minutes. 

XX/XX/XXXX ( Friday ) : I still haven't received any info from Affirm or from XXXXXXXX XXXX XXXXXXXX. They tried giving me a call at XXXX this day and I even joined ( even though it wasn't '' t scheduled ) and they still didn't join the call. They told me they were having " technical difficulties '' and couldn't get me in the XXXX  call. So I decided not to try to contact them anymore. 

Extra information : They also made me sign up for some app called XXXX in order to receive the " pay '' they were going to send me.

Company response to consumer: Closed with explanation