User Calvin Lau ordered 2 links from 2 different sites from me... on 10/7/2017 https://www.blackhatworld.com/members/calvinlau.1038892/ Site 1 for $220... Site two for $165 (Site name redacted for privacy reasons) Order was placed on Oct 9 under the name "Michael Rafferty". The first site for $220 refused to link to his casino site. I let him know and issued him a REFUND. First I notified him via BHW and send a refund via PAYPAL on 10/27 The other link is still UP and LIVE with his casino link intact (will pm it to a moderator if needed as I do not want to post it publicly) Yet he charged back for BOTH links in Paypal. One for an article for whom a refund ALREADY was issued and another one where the link is still up and work was delivered. Charging back for work that was delivered and for a refund that was already issued is FRAUD. Paypal has frozen $375 out of my account and as a result I had to do a lot of work this month for FREE because the funds I received from that work was FROZEN. Paypal will hold the money for 60 days until his bank decides what to do (I already provided Paypal with the above proof). I am not in a Third World country, I am from the US but $375 is A LOT of money to me. A LOT. It's MORE than what I spend on groceries on myself in TWO MONTHS. (I spend less than $150 per month as I am VERY frugal). I live hand to mouth and depend on this money to pay bills. As a result I am even hesitant about renewing my thread on BHW because I have this money frozen in my account and paying an extra $30 is a bit tough. I have contacted Calvin Lau/Michael Rafferty via email, CALLED HIS PHONE NUMBER, his address on file is a mailing address (post office box) and not a legit address. All I know is that he lives in MA. Again charging back for a refund that was already issued is FRAUD. He is asking to receive money for nothing as it was already REFUNDED. This person should be legally persecuted IMO for stealing from me. Charging back for work that was already delivered is also FRAUD. I feel like I should file a police report on this person as they legitimately STOLE from me.