Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I am filing this complaint against Affirm due to their failure to properly investigate my dispute regarding a transaction with XXXX XXXX, a company that has engaged in misrepresentation, high-pressure sales tactics, and questionable business practices that have left me in an unfair financial situation. 
On XX/XX/2025, I initiated my first dispute after realizing that XXXX XXXX  had not honored the payment terms they had promised me. Due to a medical hardship, I was offered a two-month payment pause, which influenced my decision to move forward. However, they revoked this agreement, leaving me responsible for payments I was led to believe would not be due at that time. 

Concerns Regarding XXXX XXXX  Business Practices Through my experience and extensive research, I have come across numerous complaints from individuals who have faced similar issues with XXXX XXXX. Their concerning practices include : - High-pressure and manipulative sales tactics that pressure individuals into making quick financial commitments without fully understanding the terms. 
- Lack of transparency in their policies, particularly regarding refunds, payment plans, and modifications. 
- Inconsistent messaging about pricing and payment options, which leaves customers in a vulnerable position after theyve already paid. 
- Course content that is widely available for free online, making it difficult to justify the high price point they demand. 

While I understand that many programs have strict refund policies, my dispute is not about requesting a refundit is about the fact that XXXX XXXX  changed my payment terms and then failed to uphold that modification, effectively breaking their own agreement. 

XXXX XXXX of My Dispute Affirm denied my initial dispute on XX/XX/2025, citing that the merchant followed their posted refund policy. However, my issue is not with their refund policyit is with the fact that they modified my payment agreement and then failed to honor it. Their contract does not outline what happens when payment terms are altered, meaning their own policy does not cover this situation. 

I provided substantial evidence, including : XXXX. Proof that the merchant offered me a payment pause, which they later revoked. This represents a breach of contract and raises concerns about fair business practices. 
XXXX. The course material I accessed was so irrelevant that I dont even remember it, further proving that XXXX XXXX  program is not what they make it out to be. 
XXXX. A pattern of deceptive behavior from this company, supported by numerous online reviews detailing similar experiences from others. 

Despite this, my dispute was denied again, and Affirm has continued to rely solely on the merchants general refund policy rather than addressing the specific contractual issue I raised. I do not believe this was a fair or thorough investigation, and it is extremely frustrating to feel as though my concerns were dismissed. 

Request for CFPB Review I am asking the CFPB to review Affirms handling of this dispute and request that they provide a clear written explanation as to why my evidence was not sufficient to justify a chargeback. Additionally, I believe XXXX XXXX  sales and business practices warrant further investigation, as there is significant evidence suggesting they operate in bad faith and take advantage of consumers. 

At the very least, Affirm should not be financing businesses that mislead and manipulate their customers. Consumers deserve fair treatment and transparency, and I feel that both Affirm and XXXX XXXX  have failed to uphold those principles in this situation. 

Thank you for your time and consideration in reviewing this matter. I sincerely appreciate any assistance you can provide.

Company response to consumer: Closed with explanation