My wife bought a couch from Walmart and used Affirm to finance it. However, she tried to cancel the order before it shipped but Walmart screwed up and sent it anyway. No problem they said, just return it. Well not having the ability to drive a couch in our small car, they arranged for the delivery company (a private one, hired by Walmart) to come pick it up. That took almost a month and multiple phone calls to actually happen. It finally did and somehow that company never communicated to Walmart that they took the couch out of our possession. Fast forward to almost a year later and she is now receiving debt collection notices from Affirm.
Walmart claims to not have received the return. The private delivery company has a tracking number but has no clue where the actual couch went. They always say they’ll look and call us back but Lo and behold, no phone call ever comes. We disputed the debt with Affirm and just received what is essentially a confirmation letter. Affirm is right, we haven’t paid them. Walmart is the source of the trouble since they refuse to mark the order as returned.
What can we do to successfully eliminate this debt collections effort? I feel as we could build our case against Affirm by providing the dates/times of the many phone calls to Walmart and the delivery service. We do have a tracking number but all it says is “delivered” without any specific destination. That’s all I can think to do you though and it doesn’t seem like enough. How do we fix this?
TLDR: Bought a couch through a finance company, returned it but the finance company never received notice of the return. Now the debt hounds are after us. Help?
Submitted April 08, 2021 at 09:15PM by squeakachu https://ift.tt/32cilAF
