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Comment by crisopolis | Hacker News Reader

I agree it does read like the OP triggered the entire issue with payments using a chargeback originating from Chase, regardless of the support/platform issues with Affirm.

I don't believe charging back the loan provider had any outcome to getting their product/service.

Affirm was the wrong target.

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I have done a charge back against PayPal and I stand by it.

Basically, the vendor said it shipped me the product but never did. However, it gave PayPal a tracking number which was for something delivered to my town. I waited several months for the vendor to make things right.

I asked PayPal and the person said there is nothing it can do. I did a charge back and the bank gave me my money back.

So no, screw the vendors and screw the payment processors. I don't owe them anything. It is their responsibility to do things right or get a charge back.

> I asked PayPal and the person said there is nothing it can do

That's PayPal's fault then. If they don't make things right, you're justified to hold them to account.

Who should OP have targeted? The seller wasn't responding and OP had no way to force them to other than charging back against affirm.

OP could have initiated the chargeback through Affirm. I have used this process with Affirm before with much better luck. That being said, this does not excuse Affirms alleged poor customer service in this situation.

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.

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