Consumer complaint received 2025-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, not the XXXX or XXXX, A fair resolution to this issue would include, but not be limited to, the following : * Full Refund : A complete refund of the {$2600.00} paid to XXXX XXXX through Affirm, as no services were provided and I was unable to access the tools necessary to comply with their refund policy.

* Credit Report Correction : Immediate and permanent removal of all negative reporting related to this account from my credit report, specifically any mentions of late payments, as the debt has been actively and consistently disputed since shortly after the purchase date.

* Cessation of Collections : An immediate halt to all further collection attempts, including emails, text messages, and phone calls, from XXXX XXXX  Affirm, Asset Builders, or any other affiliated entities.

* Debt Forgiveness/Cancellation : Complete forgiveness and cancellation of any remaining alleged debt, including the disputed amounts of {$4300.00} and {$3800.00}, given the lack of clear agreement, conflicting information, and admitted confusion by Asset Builders.

* Investigation and Accountability : A thorough investigation into the deceptive practices, aggressive collection tactics, conflicting financial demands, and inconsistent and confusing refund offers from XXXX XXXX Affirm, and XXXX XXXX to prevent similar issues for other consumers.I agreed to a loan for {$2600.00} at {$260.00} per month for 12 months, financed through Affirm, for services from XXXX XXXXy. This was not the agreement for {$4300.00} at {$1400.00} a week for 3 weeks that they are also claiming in separate communications.

Within a month of the purchase date, I began attempts to dispute this charge and the discrepancies with both Affirm and XXXX XXXX. I later discovered that XXXX XXXX sent conflicting emails, one mentioning {$4300.00} at {$1200.00} a week for 3 weeks, and another mentioning {$3800.00} at {$1200.00} for XXXX weeks, both alongside the {$260.00} monthly payment to Affirm. 
I subsequently found out another financial provider, Asset Builders, was involved, whom I was completely unaware of and could not find online. After I initiated a dispute with Affirm, they seemingly contacted Asset Builders, who then reached out to me. Asset Builders admitted they had no clue how 'this mess up happened ' but still demanded I pay the {$2600.00}, and then hung up on me. During this conversation, Asset Builders inexplicably offered to refund me {$500.00} for a previous program I had purchased from XXXX  XXXX, despite my current complaint being solely about the {$2600.00} loan. This willingness to refund a separate, un-disputed prior purchase, while refusing to address the immediate and larger issue at hand, is perplexing and further illustrates their inconsistent and uncooperative behavior. 
During this sole conversation, before admitting confusion, the Asset Builders representative attempted to deny my refund by falsely claiming I was late on a payment for the {$2600.00} loan, which was unequivocally untrue at that time. 
XXXX  XXXX 's refund policy states that I must make XXXX calls, but I have never been granted access to their XXXX system, which prevents me from complying with this policy to obtain a refund or access the services. They explicitly stated in an email that I wouldn't be able to access the XXXX without making a payment, even though problems with payment demands began hours before finalizing the agreement. 
I have been harassed with repeated payment demands through emails, text messages, and phone calls, sometimes as early as XXXX AM, even before the due date for the alleged $ XXXX {$3800.00} payments. Affirm initially denied me credit, but a few hours later, XXXX  XXXX texted me a link, and I was then inexplicably approved for credit from Affirm. 
I feel that XXXX  XXXX and XXXX XXXX  have been unfair and violated my rights under the Fair Credit Reporting Act. They have misrepresented the debt, provided inaccurate and inflated amounts owed, and failed to provide proof of my payment settlement or where I selected a XXXX payment plan ( as their email clearly states she chose it for me ). 
They have repeatedly prevented me from disputing the debt by immediately closing disputes without requesting any information from my side. Furthermore, they have inaccurately reported my account as more than 60 days late on my credit report, despite the debt being actively and consistently in dispute since shortly after the purchase date. The harassment and aggressive collection tactics continued daily even while the dispute was ongoing. Given that XXXX XXXX  admitted confusion and failed to assist, I believe I have strong grounds to challenge their claims. The pressure to pay began even before I finalized the agreement, and payment demands were made up to XXXX times a day, every day, before any payment was even due.

Company response to consumer: Closed with explanation