When it comes to auto parts. Theres always some kind of return policy. Like you cant return certain electronic parts. In the fine print its probably sitting there what happens if anything is returned. For now its only $250 and needs to be PIF. The tranny cost probably 5 times more than that or more. Mistake was it was an open loan and payments still had to be made regardless while working on the refund. "I let the affirm account sit as I planned to continue disputing this charge but unfortunately i let too much time pass and they charged off the remaining $250 balance". Stop disputing cause it hits your scores each time it updates. Time for GW letters although Affirm is a tough one. Like I said PIF quick before a collections is added and more damage is done.
Whos the transmission dealer or auto parts store you used?
I'm failing to see how you didn't get a full refund for the wrong part being shipped. No business that I know of charges a restock fee if they send the wrong item. If they did, they wouldn't stay in business for long.
Are you sure what you're being charged for isn't the accrued interest and fees from the loan? Many of these buy now, pay later lenders have this issue with their customers.
@Brian_Earl_Spilner wrote:I'm failing to see how you didn't get a full refund for the wrong part being shipped. No business that I know of charges a restock fee if they send the wrong item. If they did, they wouldn't stay in business for long.
Are you sure what your being charged for isn't the accrued interest and fees from the loan? Many of these buy now, pay later lenders have this issue with their customers.
+1. Good thinking.
@Brian_Earl_Spilner wrote:I'm failing to see how you didn't get a full refund for the wrong part being shipped. No business that I know of charges a restock fee if they send the wrong item. If they did, they wouldn't stay in business for long.
^^ This is exactly what I was going to say! 
The merchant made a mistake. I don't know of anywhere, any state, in the US where it's legal to charge a restocking fee when the merchant sent the wrong product!
OP, if you're really sure that the charge is for what you stated, you have EVERY right to continue disputing it--until you get a full refund. If your facts are accurate, it should never have come to this. Please clarify the sequence of events, starting with receiving the wrong transmission. What happened next?
@SoCalGardener wrote:
@Brian_Earl_Spilner wrote:I'm failing to see how you didn't get a full refund for the wrong part being shipped. No business that I know of charges a restock fee if they send the wrong item. If they did, they wouldn't stay in business for long.
^^ This is exactly what I was going to say!
The merchant made a mistake. I don't know of anywhere, any state, in the US where it's legal to charge a restocking fee when the merchant sent the wrong product!
OP, if you're really sure that the charge is for what you stated, you have EVERY right to continue disputing it--until you get a full refund. If your facts are accurate, it should never have come to this. Please clarify the sequence of events, starting with receiving the wrong transmission. What happened next?
@SoCalGardenerEach time you dispute accurate info it comes back verified and updated. It refreshes the CO as a new update and then the score dings happen. Not a great idea to keep repeating. OP should settle or PIF and let it age off. Bout all they can do as is stated above m
@FireMedic1 wrote:
@SoCalGardener wrote:
@Brian_Earl_Spilner wrote:I'm failing to see how you didn't get a full refund for the wrong part being shipped. No business that I know of charges a restock fee if they send the wrong item. If they did, they wouldn't stay in business for long.
^^ This is exactly what I was going to say!
The merchant made a mistake. I don't know of anywhere, any state, in the US where it's legal to charge a restocking fee when the merchant sent the wrong product!
OP, if you're really sure that the charge is for what you stated, you have EVERY right to continue disputing it--until you get a full refund. If your facts are accurate, it should never have come to this. Please clarify the sequence of events, starting with receiving the wrong transmission. What happened next?
@SoCalGardenerEach time you dispute accurate info it comes back verified and updated. It refreshes the CO as a new update and then the score dings happen. Not a great idea to keep repeating. OP should settle or PIF and let it age off. Bout all they can do as is stated above me.
You assume they're disputing the info on their credit report. They could simply mean they've been disputing the charge with the lender the same way you would contact a credit card for a fraudulent charge.
@Brian_Earl_Spilner wrote:
@FireMedic1 wrote:
@SoCalGardener wrote:
@Brian_Earl_Spilner wrote:I'm failing to see how you didn't get a full refund for the wrong part being shipped. No business that I know of charges a restock fee if they send the wrong item. If they did, they wouldn't stay in business for long.
^^ This is exactly what I was going to say!
The merchant made a mistake. I don't know of anywhere, any state, in the US where it's legal to charge a restocking fee when the merchant sent the wrong product!
OP, if you're really sure that the charge is for what you stated, you have EVERY right to continue disputing it--until you get a full refund. If your facts are accurate, it should never have come to this. Please clarify the sequence of events, starting with receiving the wrong transmission. What happened next?
@SoCalGardenerEach time you dispute accurate info it comes back verified and updated. It refreshes the CO as a new update and then the score dings happen. Not a great idea to keep repeating. OP should settle or PIF and let it age off. Bout all they can do as is stated above me.
You assume they're disputing the info on their credit report. They could simply mean they've been disputing the charge with the lender the same way you would contact a credit card for a fraudulent charge.
@Brian_Earl_Spilner I went with my statement from the OP's opening post: "I disputed with Affirm but they ruled in the merchant's favor." As well as others said about disputing. But we're from all over. Take things differently. Down here in the south we call it a refund of the remaining balance after turning in the part that didnt fit. On here I guess dispute can be fix anything.
@SoCalGardenerDisregard the post in the quote above. Us country folks call it a refund not a dispute. I apologize. My bad.