That's right -- if a buyer files a chargeback on you at any point in time, Paypal offers zero seller protection - IE they will not force a buyer to send the item back. I received an email from a buyer of a $3200 item this morning. This person purchased this item on May 8th, two months ago, and has now decided they wish to return as they thought the item was "new" despite the listing clearly stating the item had been used five times. The buyer threatened me with a chargeback via Amex, so I immediately called Paypal who informed me that if a buyer chooses to file a chargeback at any point in time, they can and will deduct the money from your account but will not become involved as far as ensuring the buyer has returned the item. So essentially if a buyer files a chargeback and wins, they do not necessarily need to return the item to you. I'm not sure how many are truly aware of this loophole, but it really fits right in with the already terrifying seller climate these days. It is baffling that Paypal can deduct money from your account as they see fit, but not uphold any type of seller protection whatsoever. Be aware, sellers.