Consumer complaint received 2025-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
Subject : Complaint Against Affirm, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX Complaint Details : I am filing this complaint regarding Affirms failure to properly investigate my dispute and the unethical practices of the XXXX XXXX XXXX XXXX, operated by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Despite paying {$10000.00} for the program of which {$9000.00} was financed through Affirm the promised services were not delivered, the mentorship breached their contract, and they engaged in unethical practices that caused significant harm to my credit, financial standing, and trust. 

Timeline of Events : Contract Signed ( XX/XX/XXXX ) : I entered into the program after being assured by the salesperson that the XXXX XXXX XXXX XXXX would provide comprehensive business automation, including software, funnels, and other tools, all covered for 12 months. These assurances were central to my decision to enroll. 

Seeking Help ( XXXX - XX/XX/XXXX ) : I sought assistance for the services promised, including business automation and addressing specific credit report issues. For the first two months, I repeatedly requested help but did not receive the promised support. 

Problems Escalate ( XX/XX/XXXX ) : By XXXX, the program began to deteriorate significantly. It became clear that none of the promised services would be delivered without additional payments. 
I also discovered unauthorized actions, including mishandled credit disputes and the lack of transparency regarding the affiliate program with XXXX. 

Attempt to Resolve ( XX/XX/XXXX ) : In XXXX, I informed the mentorship program that it wasnt working out and requested assistance. I was told they would discuss my concerns and call me back. However, I never received a follow-up call or text until after I filed a dispute with Affirm. 

Response to Affirm Complaint ( XXXX ) : When I filed the complaint with Affirm, the mentorship program showed no concern for the impact they caused, focusing instead on protecting their merchant account. 

Background Facts : Misrepresentation of Services During the Sales Call : The salesperson assured me that the program would provide business automation, including software, funnels, and other tools, all included for 12 months. 

In reality, every aspect of the program required additional payments to implement, creating further financial strain. 

Failure to Disclose Affiliate Program : The program failed to disclose that participants were enrolled in an affiliate program with GoHighLevel. We were not set up independently, as promised, but instead placed into a shared system until all participants funnels were built. This lack of transparency was unethical and violates GoHighLevels affiliate disclosure standards. 

Unauthorized and Mishandled Credit Disputes : The mentorship team disputed accurate information on my credit report, including my maiden name, employer, and birthdate, without my consent. 

Their actions led to inaccurate data being furnished to credit bureaus, the loss of positive credit history, and a significant drop in my credit score.

Despite specifying the primary issues, I wanted addressedan inaccurately reported timeshare and unauthorized inquiriesthese were ignored.

Breach of Contract and Unethical Practices : The mentorship programs failure to deliver promised services constitutes a breach of contract. 
When I sought assistance, I was advised to forge a document to resolve a credit dispute. This advice was illegal and unethical. 

When I offered to settle for the unusable education they provided, I was dismissed and essentially told best of luck. 

Affirms Actions : Affirm initially paused payments during the dispute but has since declined my dispute twice, automatically reactivating the $ XXXX monthly payments. 

A third dispute has been opened via phone, but previous investigations failed to address the documentation I provided. 

Impact : As a result of Affirms inaction and the failures of the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, I have suffered : Financial loss of {$9000.00} for undelivered services. 

Damage to my credit profile due to unauthorized disputes, inaccurate data being furnished, and the loss of positive credit history. 

Business disruptions due to the failure to deliver promised support and deactivation of tools. 

Emotional and professional risk from being advised to commit forgery. 

Additional financial strain due to monthly payments of {$360.00} being reinstated despite the ongoing dispute.

Company response to consumer: Closed with explanation