Consumer complaint received 2025-02-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
I had an Affirm loan that was closed XXXX. My husband was served divorce papers on XX/XX/XXXX. On XX/XX/XXXX he asked me to charge or open a loan for him to purchase a car part. I told him no we are in the process of a divorce all purchases need to go through the lawyers. On XX/XX/XXXX I seen a purchase go through our old joint email with my name on it for XXXX XXXX XXXX XXXX for a total of {$55.00} order # XXXXand it was charged on a credit card. At the time I thought it was from his new personal checking account that he opened. Since I found a XXXX XXXX XXXX in his posecion of my husband it may have been used for this purchase. I can see the post on our old email but he has blocked me from accessing them. XX/XX/XXXX I seen another email come through with confirmation with my name on loan XXXX for XXXX XXXX  XXXX set for XXXX XXXX XXXX. Total {$1000.00}. I did not approve this. I asked my husband why it has my name on his Affirm loan. He said he didnt know. I asked if he opened a loan with my name and information and he said no. He said he would call Affirm to fix it. XX/XX/XXXX I seen another email that said hi XXXX thank you for setting up auto pay bank account XXXX for loan # XXXX. This is our joint account that we dont use. He has overdrawn several times and I had to cover the payment so it didnt affect my credit. I asked XXXX why my name was still on the account and he said Affirm made a mistake its not my fault I didnt put your name on it. I called Affirm on XX/XX/XXXX to find out what was going on. I told them I didnt put not give my husband permission to open a loan using my information that we are going through a divorce. I asked if he would be able to piggy back on my account that was closed XXXX. They said no that I had an individual account and him or anybody else would not be able to. I gave them my name and birthdate and they said that under my that the Birthdate doesnt match the loan information. They wouldnt give me any information. I have since called them several times and spoke to 5 different supervisors. I let them know I cant access the old email to reply back to them theyve change the email but everytime I call they say it doesnt match well send you an email in 3-5 business days. They just keep turning me on circles. They are located in the XXXX with limited information or ability to fix the problem. XX/XX/XXXX he XXXX sent me a text saying he spoke to Affirm and we can call them back when I get home that they just need to hear my voice saying its ok to take me off the loan and put his name on it. I told him its not my loan its yours and I shouldnt have anything to do with your loan. XX/XX/XXXX I have an audio of my husband saying that Affirm made a mistake. He said I need to talk to them to take my name off. I reminded him that we are going through a divorce and he would have to speak to his lawyer. He said he was going to speak to his lawyer. My concern would be is my social security number on this loans and XXXX XXXX XXXX? Did he use my prior loan information. Why did they say my birthdate didnt match? Why did he use an email neither of us use anymore and why did he put our joint bank account information on it knowing his social security checks would be going to his personal bank account? If my information is on there it will affect my credit with his late payments! Did my husband commit fraud or did Affirm have something to do with it? If I opened a loan I would have used my name, personal email, my phone number, my birthdate, my social security I would have set up auto pay with my personal bank account. XX/XX/XXXX my husband opened another loan XXXX XXXX XXXX - total loan {$150.00}. I did not open this nor approve it. XXXX I sent a dispute for both loans # XXXX explaining everything with both loans, other charges and attempted charges. After entering all the information, explanation. I asked for them to send me the loan documents. To mail them to my XXXX XXXX that my husband takes my mail from the house. I sent them my personal email information yet they continued sending information to the joint email. I also asked for them to mail me the application for the loan that was filled out to open the loans. XX/XX/XXXX I found a Affirm XXXX XXXX XXXX in my husbands possession with my name on it. XX/XX/XXXX I received a email to my personal email stating I was responsible for the XXXX loan ID XXXX. XX/XX/XXXX I received a email on my personal email stating -Dispute static -Won resolved in my favor loan # XXXX no other information was sent. I still havent seen the Application/ itinerary. XX/XX/XXXX I sent another dispute # XXXX. I put all the information about the loans, charges, credit card and that I did not approve any of them nor did I open any of them. I put mine and my husbands last 4 numbers of our social security, our new personal emails, our personal phone numbers, our birthdates. Explaining that I had a police report and my lawyers both needed more information on the loans, XXXX XXXX XXXX  mail to my XXXX XXXX information. I wasnt sent anything but they keep say Im responsible but I cant find out or access the Affirm accounts! XX/XX/XXXX I received a reply from Affirm saying Im responsible for the XXXX stating that usage patterns were the same device was used ( XXXX no longer works my husband only has his personal phone. The same bank account was used XXXX it sounds like theyre piggy backing of my pass loan that was closed XXXX of XXXX. My husband then changed it to his own personal account. I didnt inform Affirm in a timely manner ( I started as soon as I seen the first charge with my name on it ( XX/XX/XXXX ). The information on the itinerary belongs to me. My first call I made they said my birthday didnt match! Since I sent my last Dispute I tried to call again today and I think now they say it match. I remember telling them the first times I was calling that how can it be my account if my my birth date doesnt match Ive always had the same birth date! Ive always thought of fraud being someone takes your information and uses it without your permission. Please help me with this ongoing horrible experience with this company. XXXX also ordered another replacement XXXX XXXX  credit card luckily it got forwarded to my XXXX XXXX XXXX

Company response to consumer: Closed with explanation