[bertjk]

This is so strange. If Affirm is the creditor why does he not ask Affirm to initiate a chargeback against the merchant? Is this one way Affirm can compete against credit cards, that they do not need to handle this kind of situation?

[o10449366]

Affirm does allow people to open a chargeback dispute, but personally I was always taught to go through your credit card/bank.

Also, after reading this account I would be very hesitant to go through Affirm for anything. Chase seems responsive on the other hand.

[sithadmin]

>personally I was always taught to go through your credit card/bank.

For direct merchant/service provider purchases. Different beast than an installment loan, legally speaking. Regardless of Affirm botching things after the loan was paid, I suspect that the party reversing and withholding payment on the loan was taking a contractually and legally indefensible position.

[wildrhythms]

The way I'm reading it is that Affirm doesn't know how to handle chargebacks gracefully. Maybe the chargeback system doesn't allow Affirm to "pass along" the chargeback to the merchant?

[badwolf]

The issue here, is Affirm is the paying bank. OP effectively opened a credit account with Affirm, and used that credit account to buy something. Then did a chargeback of his payment to the credit account, instead of having the credit account do the chargeback.

[munk-a]

I would always suggest trying to initiate a chargeback through the actual payment handler first - if they're unresponsive then I think it's perfectly reasonable to turn to your bank.

This write up looks like a great argument to just try and work through the system first.