Gone into debt

patreon don't hold any funds as far i know, the "contract" is made between the creator & the user who want to fund x$ / month.

So in this case it was the creator's fault?

not sure. depends how the refund was done. normaly you can't refund money after such a long time.. paypal, creditcard companys etc. should not allow this.. normal you have even problems if you want to refund something on like paypal after just a few days.. so i don't know how this should have worked.

You beat me to it.

Paper cranes.