Payday loan, title loan, personal loan, or advance loan -- Incorrect information on your report -- Complaint #7492514
Complaint Overview
Complaint ID: 7492514
Company: Affirm Holdings, INC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Installment loan
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: North Carolina
ZIP Code: 28104
Date Received: 2023-09-02T12:00:00-05:00
Date Sent to Company: 2023-09-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2023, I received an email notification from Affirm that my account was nearing 60 days past due, at which point my delinquency may be reported. The email also stated to resolve my outstanding payment today. I then called Affirm and spoke with a representative who stated that Affirm does not report 30 day delinquencies, but does report 60 day delinquencies. The representative also said that a payment was needed to be made by XX/XX/XXXX to prevent the account from going 60 days past due and avoiding a possible 60 day late credit mark. On XX/XX/XXXX, I logged into the Affirm website and paid off the loan in full. Unfortunately, Affirm still reported the account as 60 days past due. I previously disputed this through my XXXX credit monitoring file, but Affirm did not correct their error.
Frequently Asked Questions
What is Complaint #7492514 about?
Complaint #7492514 was filed against Affirm Holdings, INC regarding Payday loan, title loan, personal loan, or advance loan specifically about Incorrect information on your report. It was received by the CFPB on 2023-09-02T12:00:00-05:00.
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 (Payday loan, title loan, personal loan, or advance loan) 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.