Consumer complaint received 2024-08-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: MN

Complaint narrative:
Subject : Urgent Request for Investigation into Fraudulent Activities Involving XXXX, Affirm, and XXXX XXXX Dear Consumer Financial Protection Bureau, I am experiencing significant harm due to fraudulent activities orchestrated by XXXX and Ish Mentorship, with inadequate handling by Affirm. Despite providing over XXXX pieces of evidence, my case has been dismissed without proper investigation. The ethical resolution is for Affirm and XXXX to cancel and refund the {$3500.00} loan amount, ensuring my good standing. I request a thorough investigation into these entities to prevent further consumer deception. 

XXXX XXXX, led by XXXX XXXX, promises to fly customers to XXXX, cover all expenses, and pay for Affirm loans with XXXX cost to the consumer. However, these promises are blatant lies designed to steal money, as XXXX XXXX neither fulfills these promises nor makes the Affirm payments. This fraudulent operation is in conjunction with XXXX and is incentivized by financial interests, scamming consumers out of thousands of dollars. 

I am writing to urgently request a thorough investigation into a fraudulent case involving the merchant XXXX, the financial services provider Affirm, and XXXX XXXX, led by its CEO, XXXX. Despite providing over XXXX documents as clear proof of fraudulent activities, my case has been mishandled by Affirm 's customer service team, particularly by XXXX XXXX XXXX. 

During a phone call on XX/XX/year>, between XXXX am and XXXX am XXXX, XXXX XXXX XXXX refused to provide information regarding escalating this case and denied further contact information and details. This dismissive attitude has exacerbated the issue and prevented a fair resolution. 

XXXX advertises a XXXX and XXXX standard return policy for all items, yet Affirm 's team erroneously adhered to a XXXX policy. This discrepancy highlights a significant failure in Affirm 's investigation process, causing undue harm to me as a consumer. 

The fraudulent activities originated from XXXX XXXX, led by XXXX XXXX, who promises to fly customers to XXXX, covering all expenses including Affirm payments, with the client paying {$0.00}. These promises are blatant lies designed to steal money. XXXX XXXX neither fulfills these promises nor pays for Affirm payments, operating a dual scam in conjunction with XXXX. This scam is incentivized by financial interests and is a clear case of fraudulent activity. 

Affirm 's negligence in addressing this issue has left me with no choice but to seek assistance from the CFPB. If Affirm continues to side with the fraudulent merchant rather than the consumer, they will be complicit in these deceptive practices and subject to potential legal actions, including asset freezes. 

My intended resolution is to enforce Affirm and XXXX to cancel and refund the {$3500.00} loan amount while keeping me in good standing. Additionally, I request a thorough investigation into XXXX XXXX, XXXX, XXXX, and Affirm. The XXXX XXXX group is scamming people with false promises to steal money, operating under the reins of XXXX, Affirm, XXXX, and XXXX. XXXX XXXX makes over $ XXXX per month through these criminal activities. 

Attached is a link to my XXXX XXXX folder containing XXXX images of proof of fraud, scam, and willful negligence. Your prompt attention to this matter is crucial to avoid further legal violations and potential liabilities. 

Link to XXXX XXXX XXXX with screenshot proofs : https : XXXX? usp=drive_link Thank you for your immediate attention to this matter. 

XXXX forum detailed review and insights : https : XXXX Scammer links : https : //www.ishmentorship.co https : //www.ishmentorship.co/dubai https : //www.instagram.com/ishmentorship/ https : //www.instagram.com/iishtheceo/? hl=en https : //www.ishmentorship.co/matrix Please help me, and anyone else affected. 

Affirm Product ID : XXXX XXXX  Transaction ID : XXXX Date, time : XX/XX/year>, XXXX AM Both companies are negligent in responding and helping, as well as refusing to provide more information ; as well as their inability to conduct proper investigations and remedies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation