Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
I ordered a textbook for XXXX of my classes on XX/XX/XXXX I believe. I wanted to save money by buying it from XXXX but I didn't realize that it was a third party retailer. I specially gave instructions for the book to be personally delivered to me because I knew that I would be in class. The company instead delivered it while I was in class. I come to find out the book never arrived because the delivery vehicle was never spotted by the housing office. No one can enter the apartment complex without proof of residence or affiliation with a company. Im supposed to get an email for whatever is delivered and I never got that email. I tried contacting Affirm about it because I couldn't pay it all at once so they helped me with that. Although the book never showed and so I asked the housing office ans they told me to go to the mail office on campus and they said that nothing showed up for me. I even contacted the XXXX about this and they searched for it about 2 months before giving up on it. The book said it was delivered XX/XX/year> but I got confirmation from usps as of XX/XX/XXXX that they couldn't find the package at all. I have documentation that I never recieved it. I've also contacted Affirm over dozens of times trying to resolve this because I'm a college student who doesn't have XXXX to waste or just throw around. I was led in circles because the housing office didn't see it, thw mail office on campus didn't see it and the usps didn't see and I asked my neighbors and they said the day my book was delivered they never even saw a delivery vehicle showed up. With that being said Affirm just emailed me again for the XXXX time that im responsible for the purchase because the merchant didn't provide enough proof. I forgot to mention that I contacted XXXX and they said that no refund or replacement of the book was available but they didn't give me a real reason for it. As of today I still haven't gotten the book and the semester already happened so I dont even need the book now. I just don't understand how a company can XXXX over people who need things to better themselves in life. So yeah XX/XX/XXXX placed the order. Said it was delivered XX/XX/XXXX. XXXX contacted Affirm that same day. Then contacted multiple times each week until I contacted XXXX XX/XX/XXXX. They searched and couldn't find it as of XX/XX/XXXX. Now I get an email as of today about my issue not being resolved. At this point I just want my credit score to not be affected by this because if I knew it was going to happen I never would've ordered the book in the first place. The boom in total is {$140.00} I payed about XXXX so the balance is XXXX. Im not going to continue paying for something I never recived. I spoke with over XXXX agents from XXXX telling me they would refund affirm but I guess they never did. Same thing with affirm saying they would help but not doing so at all. If they keep trying to do this someone is going to get sued. Also the companies affiliated with this are XXXX, Affirm and XXXXI XXXX na say that I will never order online anything from XXXX or XXXX and I won't use affirm either for not helping me with this even though they know im the one who is paying the price for something i never recieved.

Company response to consumer: Closed with explanation