I had 2 disputes with zales. One of them zales refunded the money back. But it has been 2 weeks and they are still sending me messages saying payment is late. The other dispute is still ongoing. But they refuse to help in any way. Sending me very ugly and nasty emsils. I have called your company multiple times. Given them the zales dispute number. They refuse to help and they are rude and nasty. The lady at zales over the phone told me that they have had on going problems with Affirm.