I told you from the beginning that I would accept an initial payment to begin the work for my time and my effort. I told you I would do two revision cycles and anything beyond that would require further payment. We never discussed how the final payment/art would be exchanged. I worked with you throughout production of the piece. I sent sketches and inks and asked for your input at every step along the way. I asked you to send me the payment before I sent the final piece because I used to send watermarked proofs and clients would accept that as enough and run off without sending me the final payment. Since that happened to me (more than once) I changed the way I do business. I have worked with several clients who have accepted this. I shared that information with you as proof I wasnt trying to scam you. You disrespected me and my business by demanding a refund for the down payment after I had already put in all the time and effort working on your piece. You instantly accused me of scamming you and disrespected me. I tried to work with you by sending you proof of the piece and offering to send a watermarked copy which already breaks my own rules and you responded by saying you were going to issue a charge back to rob me of the money I earned. You're a scam artist and any artist reading this needs to steer clear of this person because she doesn't respect you.