Debt collection -- Written notification about debt -- Complaint #12113277
Complaint Overview
Complaint ID: 12113277
Company: Affirm Holdings, INC
Product: Debt collection
Sub-Product: Other debt
Issue: Written notification about debt
Sub-Issue: Notification didn't disclose it was an attempt to collect a debt
State: Virginia
ZIP Code: 229XX
Date Received: 2025-02-17T12:00:00-05:00
Date Sent to Company: 2025-02-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute a late payment reported on my credit file by Affirm. My payments were set up on autopay, and I consistently paid on time. Due to concerns over fraud and telemarketing calls, I did not respond to phone calls from Affirm, as my account was being drafted monthly without issue. Recently, I received an alert that my credit score dropped by XXXX points due to a reported late payment. Upon contacting Affirm, I was informed that XXXX accounts existed under my name. I immediately paid any outstanding balance in full, and Affirm acknowledged their error and apologized. They advised me to dispute this matter with XXXX to correct my credit report. I kindly request that you investigate this matter and remove the inaccurate late payment from my credit report. I have attached any supporting documentation, including proof of payment and communication with Affirm. Please confirm receipt of this dispute and let me know if additional information is required. I appreciate your prompt attention to resolving this issue. Sincerely, XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #12113277 about?
Complaint #12113277 was filed against Affirm Holdings, INC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-02-17T12:00:00-05:00.
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.