It’s not criticism; it’s an intentional lie aimed at damaging our reputation. How can one measure the losses caused by this harm to us?
Ouch, this is pretty bad. Punishing unsatisfied users certainly damages the reputation, you have no right to do so. In the last case, you should return the money to the user if you do not want to allow him to use your service. This case will certainly cause much more damage and loss.
Unjustified retention of funds can be considered a fraud and it will certainly lead to a negative reputation.
If it is malicious or by competition, you cannot prevent it and you cannot influence such things much (blocking users and their money is only counterproductive), it's part of the business and you need to get used to such things.
You don’t understand—he’s not a dissatisfied user. He never even used our service; he’s just spreading false information about us. We believe he’s causing more damage to our reputation than his $100 is worth. This is just a small way he could compensate for the harm he’s done. But anyway, thank you for your opinion