Bad debt write-off
Hi all. Looking for advice since Wayfair customer service is not helpful!
I purchased a sofa back in February and split the payments between a credit card and a debit card. Did it over the phone, Wayfair lady said everything was good and the sofa was shipped to me.
Looked in the account and saw that the debit portion was still pending. I re-did it to get it to go through. Check a few days/weeks later, still says pending. Re-do it again. I've gotten no notifications from Wayfair that anything is wrong. I was actively attempting to pay.
Next time I pull up the account, it says that it's been paid in full. But upon closer inspection, it says that the $200 debit card portion is a "bad debt write-off." Immediately call Wayfair to figure out what that means. Lo and behold, they don't know. Lady says she can see that no attempts were made to contact me and that she has put in a ticket to get someone on it. No one ever called.
Called again. Customer service has literally no idea what it means, just says it may or may not have gone to collections. It hasn't appeared on any credit report, but the lady says that maybe it'll appear in 90 days. They said wait and see if it hurts your credit. ¯\_(ツ)_/¯ They think it went somewhere, but they can't see where it went. Genuinely I have worked harder to fix this than Wayfair. I want to give them their money!! I don't want it to affect my credit!
*Not sure if it makes a difference, but this was ordered through my mom's business account using my credit/debit cards. So extra shitty that they treat their business account holders this way as well.
Thoughts? Has anyone had this experience before? If so, can it be fixed and how? TIA!
EDIT: Called back and went through many different departments. Wayfair uses Cedars Business Services. According to them, Wayfair did not properly notify me, nor did they provide Cedars with my email for them to contact me (??). Ended up paying $211 ($11 service fee) for them to remove it immediately. Got told it wouldn't go on my report and that this has been a common problem in 2026 with Wayfair. Apparently, Wayfair's software team is "on it."
Hope that^ helps someone since Wayfair is incompetent! Call Cedars and they'll fix it for you and send you email confirmation, a receipt, whatever you need.