Here at ChangeFund we encourage feedback and give our customers a fair and transparent process to register their concerns and complaints.

You may lodge a complaint as follows:

  • In writing: (via email)
  • Verbally: (over the phone)
  • Online: (website and live chat)
  • Customer Surveys
  • Focus groups


ChangeFund Complaints Department

Phone: +64 447 2211                    

Email:  [email protected]  


Please note we are happy to receive a verbal complaint. However, it may be easier if you detail your complaint in writing to ensure all the facts are stated.


Before you lodge your complaint, gather all the facts relating to your complaint and think about what you want us to do. This helps us understand where you are coming from so we can deal with your issue straight away.


When you register a complaint with us, we commit to:

  • Actively listening to you
  • Work with you to understand your complaint and to determine a mutually agreeable resolution. Obtain your acceptance of any proposed resolution, prior to implementing it
  • Suspend any credit management action against any amount that is the subject of an open complaint
  • Not pursue legal proceedings whilst a complaint is currently being investigated




Process Timeframe
Complaint acknowledgement
  • Written acknowledgement of receipt of your verbal or written complaint will be sent within 24 hours
Complaint resolution
  • We will always advise you of the resolution of your complaint
  • Where possible, we will seek to resolve your complaint on first contact
  • Where this is not possible we will advise you of the proposed resolution within 5 working days from the date we receive your complaint
Redress of complaint
  • If you are unhappy with our decision communicated, you have the opportunity to seek further investigation.  Acknowledgement of redress will be sent within 24 hours  Final approval of resolution will be sought from Disputes Resolution Manager
  • Response to redress will be sent within 5 working days
Urgent complaints
  • For urgent complaints, where you accept the proposed resolution, we will implement the resolution within 2 working days from receiving your complaint
When timeframes will not be met If we feel that we will not met the above timeframes we will advise you (prior to the timeframes elapsing) of:

  • the reasons for the delay
  • the specific timeframe that will apply; and
  • if the anticipated delay is likely to be a further 10 working days or more and the delay is not the result of a declared mass service disruption we will advise you of your options for external dispute resolution
Resolution actions
  • We will complete all necessary actions to deliver the resolution we offer within 10 working days of you accepting the resolution unless:
  • You agree otherwise; or
  • the resolution is dependent on your completing actions and these actions have not been completed
Complaint outcome in writing
  • When we close a complaint (with your consent) and you request a written confirmation of the outcome we will provide this within 5 working days


Further investigation and assistance

Internal escalations

We value, encourage and learn from your feedback. If you are unhappy with the way in which we handle your complaint, and the timeframes that apply, you can request that your complaint be transferred to a senior representative.  


Please note:

  • Our staff are trained to deal with customers lodging a complaint in a courteous and helpful manner. They will assist you in lodging a complaint.
  • Once all relevant information is received, we will commence a thorough investigation of your complaint within 24 hours and will keep you fully informed throughout the process.
  • If your complaint cannot be resolved immediately, it must be referred to our Disputes Resolution Manager who will attempt to resolve the complaint as soon as possible.
  • If your complaint is not resolved within 5 business days we will respond to you in writing within a maximum of 40 days (21 days for hardship disputes) of your initial complaint.
  • If your complaint is not resolved within 40 days (21 days for hardship disputes), we will notify you that you are entitled to pursue the complaint with the external disputes resolution scheme. We are a member of the Financial Services Complaints Ltd (FSCL).


External escalations

In some instances it may be more appropriate for your complaint to be dealt with by an external party. Alternatively you may request an external review your complaint. On such occasions we will assist you by providing you with the following alternatives and contact points.


FSCL can be contacted at:
Financial Services Complaints Ltd
PO Box 5967, Wellington, NZ, 6145

Phone: 0800 347 257    

[email protected]


Please note, you must first try to resolve your complaint directly with ChangeFund. FSCL cannot accept a complaint if you have not attempted to resolve it directly with us first.


Financial Services Complaints Ltd (FSCL) has been established to assist customers resolve complaints in a fair, timely and cost-effective manner. They provide both an alternative to legal proceedings for resolving financial services disputes.


They are required to meet certain benchmarks prescribed by the  Financial Service Providers (Registration and Dispute Resolution) Act 2008 and have been approved by the Minister of Consumer Affairs to operate as an external dispute resolution (EDR) scheme in the financial services industry.


You can refer your complaint to the FSCL if:

  • you are unable to resolve your complaint with your financial service provider
  • your complaint is unresolved after 40 working days of making a complaint to your financial service provider
  • your financial service provider tells you to take your complaint to FSCL.  If this is the case please refer your complaint to us immediately as delay could affect FSCL’s ability to investigate your complaint.

Types of complaints covered by the FSCL

  • breaches of contract by the Participant  
  • breaches of statutory obligations
  • breaches of industry codes and/or non-compliance with relevant industry practice by the Participant
  • complaints relating to repossessions of motor vehicles or other goods  
  • any other matters provided for by FSCL


Some examples of possible complaints are:

  • Unauthorised transactions.
  • Incorrect application of fees and charges.
  • Delays and other contractual issues.
  • Breaches of privacy or confidentiality.
  • Breaches of relevant Codes of Practice

You can lodge your complaint online at [email protected] or alternatively download their pdf complaint form from our website located under our concerns and complaints section (a copy of their terms of reference attached)

Retention and review of records

We will retain all records of complaints for a minimum of 2 years. We will actively monitor complaint records on a regular basis to identify emerging issues and look to improve them as soon as practical.

Formal reviews and analysis will be undertaken quarterly to:

  • Ensure that satisfactory resolutions are being delivered.
  • Identify possible improvements to our process or product.
  • Identify systemic issues


Click here to download our Complaints Policy.

Please feel free to contact us on [email protected] for further information.