Consumer complaint received 2025-07-12 00:00:00
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
State: MO

Complaint narrative:
I am a member of the XXXX XXXX XXXX XXXX and Im filing this complaint because I was targeted in a scam that involved the misuse of Affirms Buy Now, Pay Later platform. The scammer is named XXXX XXXX, who promotes himself online as XXXX XXXX XXXX. He operates under various business names including XXXX XXXX, XXXX XXXX XXXX, and occasionally other rebranded schemes tied to XXXX XXXX and XXXX XXXX. His entire brand is built around a fraudulent online persona where he flaunts rented luxury cars, staged penthouse content, and fabricated business credibility to gain the trust of young, ambitious people, often promising fame, business opportunities, and success in XXXX or XXXX. He used XXXX to approach me directly, claiming Id be flown out to XXXX XXXX for a XXXX experience where all expenses would be handled. He made it appear that the services being offered were legitimate and exclusive, but after pulling me in emotionally and hyping the deal, I was pressured into using Affirm and XXXX to pay for this opportunity myself. At no point was I clearly told this would result in thousands of dollars in debt. I now owe over {$5000.00} across Affirm and XXXX for something that never happened and never existed in the first place. 

After I completed the payments through Affirm, XXXX stopped responding consistently and eventually went completely silent. His number became unavailable when called. He has since ignored all contact, but screen recorded some of our conversations, which I believe he may try to manipulate or use out of context. I later discovered that Im not the only one hes done this to. Others on XXXX, XXXX, and XXXX have mentioned similar encounters with XXXXXXXX XXXX XXXX, and hes been flagged in communities warning about fake gurus, fraudulent mentorships, and BNPL-based scams. I have never received any of the services promised. I was lied to and deceived into taking out loans through Affirm that I would not have agreed to if I had known the truth. The emotional damage this has caused is realIve felt embarrassed, manipulated, and mentally drained. And as a military service member covered under the SCRA, this situation has deeply affected me both financially and emotionally, while also putting me at risk with loans I never truly consented to. 

Affirm is the financial vehicle that made this scam possible. I now believe Affirm does not do enough to vet these fake business accounts, nor protect consumers from being coerced into debt through manipulative and deceptive practices. Affirm has been sued in the past for transparency issues and refund mishandling, and I believe this pattern of behavior by both the platform and the merchant should not go ignored. Ive reached out to Affirm with my concerns and have received no helpful resolution to date. I am asking for this to be investigated immediately, that Affirm cancel or reverse the loans tied to this fraudulent scheme, that my rights under the Servicemembers Civil Relief Act be applied in full, and that any further payments or obligations under this fraudulent situation be removed. I have messages, screenshots, timeline details, and proof of payment to back every part of this claim.

Company response to consumer: Closed with explanation