Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10648527
Complaint Overview
Complaint ID: 10648527
Company: Affirm Holdings, INC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Ohio
ZIP Code: 43016
Date Received: 2024-10-31T12:00:00-05:00
Date Sent to Company: 2024-10-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Misleading Customer Support During Hardship Led to Unjust Delinquency Report I reached out to Affirms customer care team in good faith, explaining my financial hardship and seeking guidance on how best to manage my payments under the circumstances. During the conversation, the customer care agent assured me that I would not be penalized and advised me to simply make payments as I could, with no further repercussions. Despite this reassurance, and after being under XXXX days late on a single payment, Affirm reported my account as delinquent to XXXX. I was surprised and disheartened by this, especially after trusting the support teams guidance. I have since opened a dispute with XXXX, which Affirm has unfortunately declined to resolve. I genuinely hope this feedback encourages Affirm to reconsider its approach when working with customers facing hardship. Clear communication and empathetic support are essential, especially when people are already navigating difficult financial situations.
Frequently Asked Questions
What is Complaint #10648527 about?
Complaint #10648527 was filed against Affirm Holdings, INC regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-10-31T12:00:00-05:00.
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 (Credit reporting or other personal consumer reports) 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.