Stories like the one above are why fans need the keep screenshots, recordings, proof of arrangements made, and so on when purchasing anything from content creators. It's unfortunate, but it doesn't surprise me the guy above needs to ask for a refund. She can afford to leave her business up to an agency that's just there to make as much money as possible, and in any way it wants. Hopefully, OF looks into his case and refunds him somehow soon, but I don't know how good they are with refunds now.
It's one of the reasons I prefer smaller content creators; it's not a guarantee of course, but I've never had issues so far with creators that can't afford to rip off the tiny few guys that buy their stuff.