Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
The merchant ( XXXX XXXX, XXXX XXXX XXXX ) presented this program as a buy-in for employment, explicitly stating that I was paying him directly to use his platform to sell insurance. This was marketed as an opportunity tied to being hired, not as a standard consumer coaching product. 

He asked me to apply to qualify for affirm to have smaller monthly payments. And he texted me a link to apply for affirm payment options. I clicked the link and applied, and it turns out it was a " down payment '' for the program, and he collected my payment and ended the call. 

XXXX hours after this call with XXXX, on XX/XX/XXXX, I contacted him directly and explained i wanted to cancel the payment and not move forward with employment. At this point, I had not participated in any program services, received any materials, engaged in any work, and had not yet even been formally charged through affirm. 

After I requested cancellation and XXXX refused, I repeatedly asked the merchant to provide his terms and cancellation policy, to which he refused multiple times. At no point before, after, or during the conversation where he asked me to apply for this payment plan, was I provided with any written contract, terms of service, cancellation policy, or refund policy. 

On XXXX XXXX XXXX I disputed my loan with Affirm, and explained to them my experience with XXXX XXXX XXXXXXXX. Affirm resolved that dispute without further information in favor of XXXX on XX/XX/XXXX. I opened another dispute on XX/XX/XXXX with more evidence, this dispute was resolved in favor without further information from them on XX/XX/XXXX. I opened another dispute the same day, writing a letter formally requesting information as to why my disputes keep getting denied. On XX/XX/XXXX, they resolved my final dispute in favor of XXXX. The reasoning being XXXX XXXX XXXX XXXX XXXX provided Affirm with a cancellation policy ( directly from affirm ... the following- ) " XXXX mentioned that you need to create, produce, and publish XXXX high-quality long-form videos ( each over XXXX minutes ) to qualify for a refund if you're not satisfied with the product. This request must be made within 30 days of your purchase. Additionally, you are required to attend XXXX coaching calls and demonstrate that you are implementing feedback and iterating according to their policy. Considering the details shared, the dispute has been concluded in favor of the merchant, as Affirm only manages the financing aspect of your purchase. '' I am further contesting this with CFPB, because I never once received before after or during my conversation with him nor after canceling, and it would have been impossible for me to do, since I asked for it, and they never gave it to me. FurthermoreI never was given access to his portal or discord channel where I would be able to contact the team for training and begin work, and therefore would have never been able to fulfill his policy had I beengiven this information. 

After asking XXXX directly multiple times, this " policy '' was never presented, disclosed, agreed to, or even acknowledged by me at any point until XX/XX/XXXX, from affirm. 

I am requesting assistance in obtaining a full refund and cancellation of this transaction, as he charged me for a loan without my consent, without terms, and I withdrew all confirmation of moving forward and canceled formally, before any agreement was established or services given. I am additionally filing a complaint for misleading presentation of the service, and providing policies to affirm that were never given to me or presented to me after asking repeatedly.

Company response to consumer: Closed with explanation