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None. Hi there. In XXXX of last year, a former friend I helped start their business with committed credit card fraud and was able to make a chargeback through PayPal two months after paying me. Their claim violated Paypal 's terms, yet PayPal allowed the chargeback from the financial institution. I provided proof of completion of my services to this friend even though they claimed products weren't received and services, even though they are still using the imagery/brand direction I created. I provided all of this to PayPal. I spent months calling Paypal for updates and they gave me none until I called XX/XX/XXXX and they said the financial institution ruled against my favor. The financial institution took several months to make a decision, and decided in favor of my former friend, the