This is a sad situation, facts Frankie bought a coral that showed up dead due to a poor choice of shipping services, seller didn't refund the money or make it right.
I don't care what the conversation was in between the two of them harsh or flat out rude, basically this say to me, if you buy my product and it shows up healthy great but if it doesn't sorry about your luck.
I haven't seen a legit reason listed as to why Frankie did not receive a refund other than the seller didn't want to and that's just poor salesmanship all the way around, hell if I was in his shoes I would refund the money just to make this go away and save face.
Anyway you look at it he owes Frankie $100.00 and IMO 2 years interest according to the seller since he seems to think these things go away in time.
I'm sure this thread will cost him more than $100.00 in the long run and it's not going away.
Buyers Beware!!!