My example above was not that "Frank is mean to my character, therefore Sally is OOC bullying me". The point of the example is that it is very hard to differentiate between the IC/OOC line, especially if someone feels like they are being attacked.
Look at it this way:
Player Jane has had OOC conflict with player Sally. Bob (Jane's character) has conflict with Frank (Sally's character), but there is no reason in the game or the previous posts for Bob to be rude to Frank. Bob has asked Frank to leave him alone, or go away, but Frank continues.
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At this point, would you (as Jane) feel that the conflict that is happening because it is IC for Bob and Frank or because of the previous OOC history with Sally?
Yes, it would be easier to say that all IC conflict is not related to OOC conflict but as droa said below, IC harassment due to OOC conflict does happen and that was the point that I was trying to illustrate here. I'm sorry for the confusion.