u/Low_Wrangler743

I disputed a purchase because the merchant sent me the wrong product that couldn’t be returned. I tried resolving with the the merchant but they were unresponsive. I filed a dispute but during the dispute the merchant finally replied to my messages. The merchant said to not return the product, they were sorry and they were going to process a refund.

I told Affirm that the merchant replied and they advised that the merchant couldn’t process a refund if there was an active dispute so I asked Affirm to close the dispute.

After the dispute was closed, I didn’t hear anything from the merchant and my refund was never processed. After a few weeks, I opened the dispute back up and uploaded the screenshots of my conversation with the merchant saying they were going to process the refund.

After only a few days, Affirm notified me they had closed the dispute in favor of the merchant. I’m really at a loss on how this is possible. I can’t seem to figure how to talk to someone at Affirm about my dispute and how it was ruled in favor of the merchant.

Any advice?

We have two-year-old twins and just found out we’re expecting another set at the end of the year. Our current family vehicle is a 2022 Subaru Outback (worth about $20k) and I daily a 2018 Nissan Leaf.

We need to step up to a minivan. I’ve been looking hard at Toyota Siennas and Honda Odysseys because they’re the only ones with a real reputation for long-term reliability. The problem is the prices. I’m seeing a lot of 8-year-old Siennas with 100k+ miles going for around $25k, which feels crazy high for that age and mileage. I’m nervous about buying someone else’s potential maintenance nightmare. The few cars I was interested in, the seller wouldn’t allow me to take their vehicle in for a pre purchase inspection.

I have $25k in savings and a tight monthly budget. We already put $1k/month toward investments/savings/tithing. I could pause that for a few months to save more, but I really don’t want to go over $25k total on the vehicle (including what we get from the Outback).

We haven’t had any debt in 10 years, and I hate the idea of financing, but with four little ones on the way I’m getting analysis paralysis. I just want something that will reliably get my wife and kids from A to B without breaking down and stranding them.

What cheap, reliable family haulers are you guys actually driving these days? Any recent Sienna or Odyssey purchases under $25–28k that have held up well? Would love to hear real experiences.

Looking to buy a minivan and I’m seeing Pacifica owners saying they chose the Pacifica for the more premium features and cheaper price compared to Sienna.

The manufacturer websites are listing a Pacifica Select at $49k and the Sienna XLE at $45k.

What am I missing here?

I have one set of 3 year old twins and another set on the way. I have about $16k to spend on a used minivan. I’ve been looking at odysseys and siennas in the 2011-2017 range.

My priority is reliability of the engine/drive train. I want my family to get from point A to point B without worry. Electronics, comfort features and nice to have things take a backseat to reliability.

My second priority is ease of access to the kids. I can’t wrap my head around what would be the easiest setup for having four kids in car seats.

Does anyone have recommendations on if a sienna or odyssey from 2011-2017 might work out better for my situation?

Thanks