I bought something on ebay--from someone who had been problem free for me in 2 prior transactions. This time, the item was damaged, as if someone had fallen on concrete perhaps and abraded the surface. Or, it could be paint. I wasn't sure, but it was unsightly and easily noticable. I emailed her and she claimed it was distressing. It was not and it was only on one side. I sent photos of the damage. No response. I filed a dispute with Paypal--as SNAD. An hour later, she emails me outside of PPal and says, she'd like to inspect the damage, send it back. I send it back and therefore I wait and do not upgrade to a claim because I think we're going to settle this--after all, I'm a repeat customer. Today, the seller excalates it to a claim and accuses me of damaging the item deliberately because I filed so quickly after receiving the item. What does this mean? A claim for what? She has my money--over $400 and will have the item probably tomorrow or Saturday. She has $1000 coverage on the listing. I'm a little confused. Paypal is saying I need only to send them the tracking number. What happens if she drains all the money in her account? TIA