Why do you need seller policy, such as "no refunds, all sales are final, refunds for authenticity issues only" if they can always claim w/ paypal. I'm a fair and honest seller, let's say if i make a listing error or forget to mention major flaw of the bag ,I can always work something w/ buyer. And if they still want to return it, that's fine. But as you know that there are so many picky and particular who cannot accept small flaws of a used bag. They just have different expectations.