I think so, this story is strange. Working for a client you meet on Upwork or negotiating payment outside of Upwork goes against their ToS so you would expect t

I think so, this story is strange. Working for a client you meet on Upwork or negotiating payment outside of Upwork goes against their ToS so you would expect them to deal with it at least morally if not legally. If Robin were to pay the client outside Upwork for the $12500 charged back does the freelancer still owns Upwork 20% of the earnings? If Robin isn't paying and Upwork isn't covering the fraud is the freelancer still required to pay the 20% fees?