Debt collection -- Electronic communications -- Complaint #9478725
Complaint Overview
Complaint ID: 9478725
Company: Affirm Holdings, INC
Product: Debt collection
Sub-Product: Other debt
Issue: Electronic communications
Sub-Issue: Frequent or repeated messages
State: Florida
ZIP Code: 337XX
Date Received: 2024-07-10T12:00:00-05:00
Date Sent to Company: 2024-07-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
Received the first email on Thursday, XX/XX/year> at XXXX XXXX stating to Please Verify your email address ( which I didn't ) and the second email was the same day and time that states You Saved a device for faster checkout. Email number 3, received same day at XXXX XXXX stating Here is what's happening. Payment will be sent to Daily Sale and my monthly payment will be {$180.00} for 12 months. Never heard of Daily Sale and never applied with Affirm or ordered them to pay anyone. I Googled the company Affirm for the phone number and called them several times. By now on the 3rd email there was a loan number and I referred the number to the person I spoke to, which was very difficult to understand as it was obvious they did not speak English well. I gave that person the loan number and stated that I never applied for anything and why was this sent to me. They asked me for my birthday so they can verify who I was. I refused to give that to them and stated that I gave them the loan number that was provided in the email. Then that person says I can't find your information. I did however give them my phone number as I'm listed all over XXXX as I'm a realtor. XXXX even has my home address as well. After 4 phone calls the last person stated they would freeze this loan/account and they supposedly have a Account XXXX XXXX of which will review the account. Was told that they would take approximately 3 to 5 days to resolve. Well, Saturday, XX/XX/year> at XXXX XXXX they're investigation was complete and in my favor that this was unauthorized and would take 30-60 days for my credit report to be cleared out. Which didn't make sense since I checked my credit report and there was nothing reported. The last email I received on Sunday, XX/XX/year> at XXXX XXXX stating We'd love to hear from you. Asking if they were able to resolve my request. I never responded.,
Frequently Asked Questions
What is Complaint #9478725 about?
Complaint #9478725 was filed against Affirm Holdings, INC regarding Debt collection specifically about Electronic communications. It was received by the CFPB on 2024-07-10T12:00:00-05:00.
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.