Audit — BNPL + Payments + Card Evidence
Both Inboxes Read: Affirm/Klarna Rebuilt + Queue Evidence Round 2
Generated: Wednesday, July 1 2026 · 11:13 PM EDT (NY) · 16 Tamuz 5786
Definitive-sweep agent · repo zee78900/hookstreet-workspace · commit 492f668
Sources: ztreitel@gmail.com (LIVE via ops-api /gmail/personal — first read since #336 unlock) + sam@hookstreetcapital.com (Gmail MCP) + live Action_Queue
TL;DR (index)
- Triage box — the missed Apple payment (cured Jul 1, will recur Jul 23) + the overdue Nike plan ($110.12 tail).
- Active plans — 7 live Affirm plans + 1 Klarna tail, every loan ID/date/amount email-verified; July calendar ≈ $991.69 firm.
- Memory rewritten —
reference_affirm_klarna_schedules.md rebuilt from live evidence (what drifted).
- Card evidence — 10 PROOFs attached; 4 close-candidates (#312 #471 #333 #581).
- The inbox knew — 10 live-money facts no card tracked.
🚨 Missed-payment triage — read this first
Apple · Affirm (loan A3M3-KO71)$210.54/mo
missed Jun 23 → 8 days overdue Sam paid $210.54 manually Jul 1, 1:01 PM (One-Time Payment Authorization) — cured. Affirm confirmed no late fees, but three "this can affect your credit report" emails fired Jun 25/27/30. Root cause: AutoPay is OFF (exactly what queue card #062 warned on 5/26). Next: Jul 23 $210.54 — it WILL miss again unless AutoPay is turned on or the payment is scheduled. ~$631.62 left (Jul/Aug/Sep, est.).
Nike Apple Pay Prod · Affirm (loan GQKC-LETS)$110.12 open
overdue since Jun 29 $96.27 AutoPay FAILED Jun 29 ("issue with your Visa *0405") → "Your account needs attention" Jul 1. Then Jul 1, 3:51 PM: Nike refund $178.69 applied to the balance — $110.12 remains (Affirm: "shipping or restocking fees"). The overdue flag was live an hour before the refund posted. Action: open the Affirm app, pay/verify the $110.12 and confirm the delinquency is cleared (scheduled autopays were Jul 13 + Jul 27 $96.27).
Klarna Nike — Jul 3 charge, verify$96.27
verify in app Klarna pay-in-4 on the same Nike buy: 1st $96.27 paid Jun 13, next was Jul 3; Klarna refund $96.27 issued Jun 30 after the return. Confirm the Jul 3 pull was cancelled by the refund — if not, it hits this Friday.
Affirm + Klarna — every active plan (email-verified)
| Plan · loan | Installment | Next due | Card | Status |
|---|
| Apple · A3M3-KO71 | $210.54/mo (23rd) | Jul 23 | *0405 | AutoPay OFF ~$631.62 left (est.) |
| Priceline #1 | $224.80/mo (2nd) | Jul 2 | *0405 | AutoPay on ~2 more after Jul (est.) |
| Priceline #2 · KCJI-QL0Q | $257.06/mo (16th) | Jul 16 | *0405 | AutoPay on ~2 more after Jul (est.) |
| Priceline FLIGHT · PDRV-OWHR | $59.06/mo (28th) | Jul 28 | *0405 | AutoPay on $236.24 left (Jul–Oct) |
| Amazon #1 · NULO-P6KC | $54.40/mo (17th) | Jul 17 $54.39 FINAL | *0405 | finishes July |
| Amazon General · UP2L-73OR | $42.84/mo (29th) | Jul 29 $42.83 FINAL | *0405 | finishes July |
| Best Buy · OXW8-RGZ8 (new May 8) | $77.98/mo (11th) | Jul 11 | *9405 → 1260 | pre-fund 1260 $389.90 left (Jul–Nov); loan $446.81 + $21.07 finance |
| American Airlines · GXWY-LSXQ (new Jun 7, via Affirm Card) | $65.03/mo (9th) | Jul 9 | *0405 | AutoPay on Jul/Aug $65.03, Sep $65.02; loan $190 + $5.08 finance; $1.60 refund credited |
| Nike · GQKC-LETS (new Jun 11) | $96.27 bi-weekly | see triage | *0405 | overdue · $110.12 tail |
| Klarna — Karp Automotive | — | — | *9405 | COMPLETE final $80.59 paid May 1 |
| Klarna — Nike | $96.27 ×4 | Jul 3 (verify) | Klarna | refunded $96.27 Jun 30 |
July BNPL load: firm ≈ $991.69 ($913.71 on *0405→5609 + $77.98 on *9405→1260) + up to ~$206 Nike residuals pending refund reconciliation → worst case ≈ $1,198. New surface: Affirm Card lives in Apple Wallet since Jun 7 (June statement issued Jul 1 — amounts only in-app).
Memory rewritten — reference_affirm_klarna_schedules.md
Rebuilt in place from live email evidence (was an Apr 28 screenshot snapshot, 64 days stale). What had drifted:
- Klarna Karp: shown active → actually closed May 1.
- 3 plans it didn't know existed: Best Buy (May 8, the only one on *9405), American Airlines (Jun 7), Nike (Jun 11 — financed on Affirm AND Klarna simultaneously).
- Apple AutoPay flipped OFF since (snapshot said ON) → produced the Jun 23 miss.
- Both Amazon plans FINISH in July — memory had no end dates.
- Added: loan IDs for every plan, the July calendar, the Affirm Card surface, and a refresh recipe (which Gmail queries rebuild this file).
Queue evidence round 2 — 10 PROOFs attached
CLOSE-CANDIDATES (4) — evidence says done; Sam confirms, then DONE:
| Card | Evidence (in the PROOF note) |
|---|
| #312 Affirm Best Buy Jun 11 | Paid $77.98 Jun 11 from Visa 9405 — Affirm confirmation email. |
| #471 Nike return | Returns RECEIVED Jun 26 (orders C01591172172 + C01591184823); refunds processed Affirm $178.69 + Klarna $96.27. No label left to print. |
| #333 Duke 9332 $243.03 | PAID Jun 29 via Speedpay, conf 294739859, acct *1799, card *6895, $0 fee. (Jun 10 conf 293346498 was the earlier $674.97 reconnect payment.) |
| #581 Citi arrangement | $307.00 payment received + credited Jul 1 (Citi Dividend *4301 confirmation) — after the Jun 17 + 26 "not received" warnings. Confirm arrangement shows current. |
Evidence attached, stays OPEN (6):
| Card | What the inbox says |
|---|
| #062 Apple AutoPay | The predicted lapse HAPPENED (Jun 23 miss). Paid manually Jul 1; AutoPay still off → Jul 23 at risk. |
| #528 National Grid 1012 | $843.13 past-due notice Jun 25 (disconnect-risk warning Jun 10). No payment confirmation exists in either inbox through Jul 1 — still unpaid on the email record. |
| #580 Jul 1 bills | Kia: $599 due 01-JUL-26, acct *4530, 2025 Telluride, billed to Cheryl — kiafinance.com / 866-331-5632. |
| #614 Confiance $350 | Square invoice #000100 due Jul 1, in sam@ at 9:10 PM Jul 1 — Pay Invoice button in the email. |
| #347 Circleback | $25.00/mo still declining on the $1-limit privacy.com card (May 28, Jun 11/13/15/17/18). Fix the card rule or drop the service. |
| #346 US Bank plan | $316.00 posted Jun 11 (card *0049) — plan on track, July pull ~the 11th. |
Also sighted, no PROOF fired: #362 OVH receivable (Jun 12 email + Jun 8 owner statement confirmed in sam@) · #530 20four7VA raise chase (3rd follow-up Jun 19) · #608 — this sweep is the proof that email IS the Affirm feed (loan IDs, schedules, failures all reconstructable; no API needed).
"The inbox knew" — round 2 (personal side, last 30d)
- Apple Affirm missed Jun 23 — 6 warning emails before anyone noticed; card #062 had predicted it May 26. Credit-report risk, not fees.
- Nike Affirm overdue + $110.12 tail — AutoPay failed on *0405 Jun 29; refund didn't fully zero the loan.
- The Nike triple-BNPL buy (Jun 11–12): one shopping trip financed three ways — Affirm plan (~$577), Klarna pay-in-4 (~$385 via a $390 in-store card). Returned Jun 26; refunds $178.69 + $96.27 + two Nike order refunds (C01591172172, C01591184823).
- Two BNPL plans nothing tracked: American Airlines $65.03×3 (Jul 9 next) and Best Buy $77.98×6 hitting the overdraft-prone *9405→1260 monthly through Nov 11.
- Affirm Card in Apple Wallet since Jun 7 — a whole new spending rail; June statement issued Jul 1. Not in any obligations sheet.
- National Grid $843.13 — disconnect-risk warning Jun 10, past-due Jun 25, and no payment confirmation anywhere. Resolves the $356.77-vs-$843.13 confusion: 5594431012 balance is $843.13.
- Citi arrangement cured Jul 1 — $307 received on Dividend *4301, after two default warnings. (Also answers #280 "Citi Zee card — check on this.")
- Credit-file churn vs the "STOP new apps" rule (#345): new inquiries Jun 9 + 11, new accounts reported Jun 18 / 25 / 29 (Amex MyCredit + CapOne alerts). Something is still opening tradelines during the HELOC-protection window — identify what these are.
- Rocket Money: June spend $26,244 through Jun 29 — a free spend-watch feed for the BofA "racehorse" concern (#624); BofA card *6895 was also added to Apple Pay Jun 30 (faster to spend with).
- Google security alerts Jul 1 night: new sign-ins on an iPhone and an iPad to ztreitel@ — consistent with the in-laws iPad setup (#247/#248), but confirm it was you.