Payday loan, title loan, personal loan, or advance loan -- Problem with a company's investigation into an existing problem -- Complaint #19693305

Complaint Overview

Complaint ID: 19693305

Company: Affirm Holdings, INC

Product: Payday loan, title loan, personal loan, or advance loan

Sub-Product: Installment loan

Issue: Problem with a company's investigation into an existing problem

Sub-Issue: Problem with personal statement of dispute

State: California

ZIP Code: 90815

Date Received: 2026-02-22T12:00:00-05:00

Date Sent to Company: 2026-02-22T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Made a purchase from a company called XXXX XXXX using Affirm on XX/XX/XXXX, Paid the installments and was fully paid on XX/XX/XXXX. Order was marked as delivered XX/XX/XXXXXXXX and never arrived. My father was home and recived the mail but no package was delivered, I went to ost office and when showed the provided tracking attendant showed the usps label with the exact tracking number and a different name and address. My father was able to go to the address we were given by post office and the package was there, Person that recieved it opened the package to confirm it was not mine even though it had my tracking number. I opened a case with USPS who closed the case as it was marked as delivered so it could not be lost. I contacted the merchant ( XXXX XXXX ) that day to say it was never delivered and an email the following day to confirm the tracking number but recieved no response. Contacted Affirm the following week and created a dispute that ended siding with the seller as he showed " proof of delivery '' I provided Affirm with a picture of the package label that has the tracking number with a different name and address, Four followup emails to the merchant asking for help with no replies from seller ( Which to me should prove its fraud as the seller responds to Affirm but ignores me ) but the seller provides the tracking number with delivered status and Affirm closes my disputes. I since contacted XXXX XXXXXXXX and they performed a chargeback while they perform an investigation, Now Affirm says my payments are 95 days past due ( Which they are not since the loan was fully paid untill the chargeback on XX/XX/XXXXXXXX ) and the loan will default and only help they can provide is a number for usps to open a case or to file a police report. ( The package was not stolen, Its possible it was mis delivered but since the Merchant has ignored all pleas for help since XXXX proves to me its fraud ) Im contacting your agency to see if theres anything you or I can do to keep this from affecting my credit as I should not have to pay for an Item that was never sent to me, Especially when I have reached out to the seller for three months and been ignored all while they updated their website since my complaint to provide easier customer service. I was told by Affirm that I am responsible to pay and my loan will default on XX/XX/XXXX, Any information on what my options are to seek further help is appreciated. Thank you in advance! The session is timing out so if any additional proof is required I will attach more if I have it.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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