Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
On XXXX I ordered a XXXX XXXX engine from XXXX. XXXX minutes later I canceled it little did I know my life would be destroyed and because of this. So Monday comes and I call to confirm cancellation I get told that they arent open on weekends and that they couldnt stop the item from shipping. I asked them how that was possible since I canceled the same day she explained that the message would have had to have been give to the shipping team before hand etc. Fine cool Ill return it when I get it. So XXXX I get a email saying package delivered I open my for to find a fedex tag on it ; it stayed we missed you, downstairs I got check downstairs and nothings there so I emailed XXXX and Affirm and let them know. XXXX replied with tracking information to make sure the package wasnt still in route and when I called fedex they said that that tracking number left on the note was the wrong one for my package and that they would try to find it and get back to me. Affirm replied and said XXXX has the package and sent tracking information. XXXX from XXXX stated I will go ahead and open a case and contact the carrier for more information. We will monitor it until found. I texted her again XXXX for a status update and she stated They will be following up with me directly. Once I have more information I will advise. XXXX I stated I received the note, I emailed it to you guys. When I went downstairs it was not there. I also contacted XXXX and she said that door tag that was left on my door was not for my package. Nevertheless I didnt get my package and the package shouldve never been left downstairs being as expensive as it is. Please look further into this as I will not pay for something I did not receive. XXXX from XXXX replied with Thanks for confirming. We are going to reship this item, will be arriving in XXXX business days. This through me off I couldnt understand why she would reply that to what I said I then emailed back and said Hello please cancel the order instead of shipping my order out. I am moving today and will not receive it if it is shipped here. Thank you. XXXX I emailed again for a order cancellation conformation. On XXXX XXXX replied And said that she was sorry but theyre unable to cancel the order once it was scanned delivered theyre only able to reship it. Which made no sense at all to me. She then continued to tell me to meet the carrier at the delivery location or I would be responsible for a restocking fee. I replied What is your restocking fee? And should I really have to pay it when I emailed to cancel this order the very first time I ordered it and you guys keep sending it to my house talking about you cant cancel it? That seems like you guys are forcing me to have to pay a restock fee. She then told me that might order it was shipped out Monday morning and they can not stop it in time and since it was mark delivered they can only resship it and I ship it back then I would have to pay a restocking fee she said if I had any concerns or questions I could contact them and left me a number Ive called that number countless times and Ive never gotten a call back Ive left voicemails and never received one back I contacted affirm and they told me they couldnt do anything that I would have to contact the merchant I told them the merchant was being noncompliant they confirmed that they had a cancellation notification for my loan but they can not do anything because a XXXX XXXX I had to give them a reply they opened up a case but nothing came of it the loan became a debt collection and ruined my credit because affirm cant do anything in XXXX tools is being noncompliant my credit is being ravaged and destroyed I cant even get a house Soley because this is ruining my credit Im devastated by the way a popular company like in XXXX XXXX has behaved and they are lucky I dont sue them for defamation. I would just like to get this off my credit so that I can move on with my life, this is ridiculous and unacceptable.

Company response to consumer: Closed with explanation