Well, I guess it doesn't make a lot of sense to continue this discussion.
The OP says that neither he nor his partners/the affiliate program that sent the money in question directly dealt with carders. And he states that he never provided any exchange service.
Ruth claims he did provide an exchange service and directly received money from a fraudulent account.
So we have one person's word against another's and since there is no evidence for the one or the other in the provided screenshots I'd say... we gotta move on
