Affirm doesn't respond to emails and it's incredibly difficult to get anyone on the phone. So no, I don't think he could've charged back through affirm.
As I said, I have been through this exact situation with Affirm, and I did get my money back, so I know it is possible. I know others (the merchant I bought from went bankrupt) who did not get their money back- both who used Affirm and who used other mechanisms.
So I'm not saying whether or not OP would have gotten their money back had they went directly to Affirm- just that they should have given Affirm the chance. And none of this excuses Affirms allegedly bad customer service in this situation.
So I'm not saying whether or not OP would have gotten their money back had they went directly to Affirm- just that they should have given Affirm the chance. And none of this excuses Affirms allegedly bad customer service in this situation.