[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?