Debt collection -- Electronic communications -- Complaint #8745660
Complaint Overview
Complaint ID: 8745660
Company: Affirm Holdings, INC
Product: Debt collection
Sub-Product: Private student loan debt
Issue: Electronic communications
Sub-Issue: Frequent or repeated messages
State: California
ZIP Code: 92220
Date Received: 2024-04-10T12:00:00-05:00
Date Sent to Company: 2024-04-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
My name is XXXX XXXX and I applied for XXXX XXXX on XX/XX/year>. This is an online website and I was talking to a representative on the phone who guided me through the process of ordering the service. There was no contract involved. He did not mention that the monthly payments would go through a company called Affirm, a lending agency, which I did not know at that time. He did not say there was no cancellation or refund once your order is approved. After I signed up and went to a friends house, I decided to cancel. I was told that the policy is that there are no cancellations or refunds. But, since this was just a few hours later, that I probably would be able to get a cancellation. He gave me an email to email my request for cancellation. I emailed my cancellation request the same day. I was sent a refund ticket the next morning and the email said it might take 10-15 days to get a response. The response was given on XX/XX/XXXX. The response was that they would not give me a cancellation according to their policy. I have not received any service for tutoring. I don't want tutoring from them. So, I contacted Affirm. They are charging {$1900.00}. I explained what happened with the online tutoring service. On their website there is no mention that Affirm is a lending agency, and I did not know that Affirm was a lender until after I was approved, and then they mentioned a loan was confirmed for me. I was taken by surprise. Affirms response was that they will follow the policy of the online tutoring service. So, they declined to intervene on my behalf. Now they want me to pay for a product or service I tried to cancel even though I have not received any service or product from the online tutoring service. The online tutoring services phone number is XXXX and their email is XXXX and their website is XXXX XXXX XXXX I could not find any physical address at all. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #8745660 about?
Complaint #8745660 was filed against Affirm Holdings, INC regarding Debt collection specifically about Electronic communications. It was received by the CFPB on 2024-04-10T12:00:00-05:00.
How did Affirm Holdings, INC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Affirm Holdings, INC?
Yes, visit the Affirm Holdings, INC company profile at readthecomplaint.com/company/affirm-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.