Consumer complaint received 2025-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I contracted with a company called XXXX ( XXXX ) on XX/XX/2024. The XXXX person claimed that they would provide XXXX XXXX XXXX XXXX They state in their contract that they will provide XXXX candidates, in batches of XXXX, within XXXX days, of which I can choose XXXX to work with, and the billable time only begins once they XXXX work. XXXX XXXX is not included. I paid for the {$18000.00} service through Affirm. 

Immediately, they provided one placed individual to start XXXX within 2 days. I was confused because they had said they would provide a XXXX XXXX XXXX. Already, this was outside of the agreement made. They stated that they felt this was the best suited candidate for me and my business. However, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We spent several days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Therefore, no time had yet been counted and essentially no service had been provided by XXXX 

A few weeks had passed at this point, and I pointed out that they were supposed to be supplying me batches of candidates, not just placing them. I was willing to give them the benefit of the doubt, and they recommended one " XXXX '' and also provided a batch of XXXX, XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

At this point, we were again back to square one and none of the contract had been fulfilled as agreed. Considering the quality of the performance of this company and knowing that we were a week away from the XXXX  day mark, I asked to simply cancel the contract and issue a refund for the {$1600.00} payment that I had already made to Affirm. 

XXXX refused, claiming that they had not breached their contract, and they have a " no refund '' policy. However, based on the previous 2 months, it was very clear that they would not be able to perform on their agreement and if they were simply sourcing talent off of public websites XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I could do the same thing myself and save time and money by not having people quit on me right as we are about to get going. 

Since XXXX refused to work with me, I contacted Affirm directly, provided all of the evidence, including the contract which very clearly states what is to be provided, but is vague in descriptions of what exactly is the difference between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. They all appear to be inter-changeable and there are no definitions. 

Affirm has continually declined to consider my concerns nor the contract, and simply has responded over and over again that either " They have a No Refund policy '' or that XXXX has provided evidence showing that they have told me that I misunderstood the contract, and therefore continues to uphold the payment requirement with Affirm " because they have already paid XXXX ''. 

XXXX has completely not performed on their contract, and Affirm continues to uphold their contract without providing any of the evidence to me that they are claiming proves they are entitled to uphold their payment. I can only go by the original agreement and what was agreed to in the WRITTEN contract that both parties agreed to, which has not been fulfilled by the merchant. 

I have tried repeatedly to amicably settle this with both XXXX and Affirm, and neither party is willing to work with me. The merchant has proved to be incapable of fulfilling on their service multiple times, and Affirm continues to defend their standing and claim there is no violation of their contract when it is clearly a breach.

Company response to consumer: Closed with explanation