> If he had logging by screenshots it might be easier but with manual logging of hours there is very little reason to believe. OP wrote "I sent Upwork two year

> If he had logging by screenshots it might be easier but with manual logging of hours there is very little reason to believe. OP wrote "I sent Upwork two years’ worth of projects". I assume that meant he showed them the actual work, rather than simple activity logs. With any luck, the content of the projects should be sufficiently specific to "Robin"'s business that it could show it was not unrelated work being passed off as Upwork activity. And if I were in OP's place, I would have sent any chat logs I had had with Robin. At some point the effort required to fake all that evidence should be high enough to make it exceedingly unlikely for OP to be a simple credit card fraudster. I should note that none of the above is my key reason for siding with OP. The key reason for siding with OP is that Upwork, if I understand the system correctly, process the payments themselves and does not give its freelancers any way to actually prevent credit card fraud, so it cannot demand that they take on that responsibility. If I buy products on Amazon Marketplace with a stolen CC, does Amazon demand money from the sellers? I sure hope not.