Consumer complaint received 2024-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
To whom it may concern, I have requested a loan from Affirm more than a year ago. It was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I signed a contract with them, that if I did not receive a job offer after a year, they will refund me. I was very unsatisfied with their service, reached out to them several times, but they said they will refund only after a year. However, now, after a year, they still deny to refund. 

I searched online and spoke to other people, and it seems a lot of people have the same experience with the XXXX XXXX 

I reached out to affirm, but they also deny to dispute. And their resolution is in favor of XXXX XXXX. They have refunded a few of my American friends. And I do believe that this is discrimination against an international student like myself. 

This is the email that I have sent to the Affirm : I am writing to request a refund for the services provided by XXXX XXXX, which have been utterly unsatisfactory and misleading. When I engaged with the company, I was assured a refund if I did not secure a job within a few months. Despite following all provided guidance and remaining patient as advised, I have not obtained any employment. Instead, I was repeatedly told to be patient due to the " bad job market. '' After the end of my XXXX XXXX I contacted XXXX XXXX  multiple times under significant pressure, requesting a refund to seek alternative job placement assistance. Each time, my request was denied, with the excuse that the refund guarantee was applicable only after a year. I complied with this stipulation, waiting an entire year full of stress. Upon fulfilling the requirement of submitting a signed, notarized letter confirming my lack of employment, I was informed it would take a couple of months to process the refund. 

It has now been an additional two months, and not only have I not received the refund, but my emails are also being ignored or with unsatisfactory responses. This is unacceptable. The service provided has not only failed to assist me in securing employment but has also contributed to significant financial and mental strain. 

I have consulted with recruiters from the XXXX XXXX XXXX XXXX XXXX XXXX who have indicated that the advice given by XXXX XXXX is highly unethical and detrimental to my job search. Furthermore, an online search reveals that others have experienced similar issues, with some even initiating lawsuits against your company. I have attached several reviews corroborating these findings. 

I insist on an immediate full refund. This situation has caused undue stress and financial hardship, and I am no longer able to tolerate this unprofessional behavior. 

Sincerely, XXXX This is an article about them recently published in Science XXXX XXXX XXXX XXXX This is the email that I have sent to the XXXX XXXX : Hi XXXX and XXXX, It's crucial to grasp the review process fully. I've executed all the tasks outlined. Notably, I've reached out to not just XXXX, but XXXX XXXXndividuals, substantially expanding my XXXX XXXX from approximately XXXX XXXX XXXX XXXX all documented on my profile. I'm prepared to show evidence either by compiling a dated spreadsheet or showcasing it directly on my XXXX profile. Every detail is documented. 

Furthermore, I've diligently applied to around XXXX XXXXs, with each application meticulously recorded along with its date in my email records. I'm fully prepared to share this documentation upon request. Additionally, I've faithfully attended all Friday meetings, absorbing XXXXXXXX XXXX advice ( Apply to a job when it's online, it's TIME SENSITIVE ). Despite discrepancies between forum response times ( which takes two business days ) and XXXX 's recommendations, I've adapted by utilizing XXXX, consistently achieving a match rate of over 90 % for each application. 

Regarding interactions with XXXX, I've proactively reached out multiple times, including a meeting in XXXX which resulted in resume adjustments. Despite these efforts, subsequent applications were met with rejection, including one at my dream company, XXXX, where my resume was deemed " too academic '' by the hiring manager. 

In XXXX, I sought guidance from XXXX XXXX XXXX, subsequently meeting with XXXX, who suggested a shift in strategy towards leveraging XXXX for networking. Despite my earnest efforts, subsequent messages to XXXX went unanswered, leaving me disheartened. 

I've since engaged with you, participating in two meetings and implementing suggested changes such as using XXXX and expanding my target companies list. However, discrepancies arose when companies and contacts were not added as promised, exacerbating the challenge, particularly as many were outside my field of expertise. 

Throughout this arduous journey, I've navigated numerous setbacks and sought referrals independently, with limited success from those provided by the program. Moreover, discussions with other program participants reveal similar dissatisfaction with their experiences. 

My absence from communication since XXXX stemmed from a lack of trust and perceived indifference towards my struggles. Amidst these challenges, I've sought professional support through therapy and psychiatry, which I'm prepared to substantiate with a doctor 's letter. 

In light of these circumstances, I implore you to consider my request for a meeting with both you and XXXX promptly. It's imperative that we address these concerns and explore viable solutions together. 

Don't forget that I am the first person that wants to get a job ASAP and to have a better life! 

Thank you for your attention to this matter. )

Company response to consumer: Closed with explanation