unfortunately i might be going through this and i want to understand my options and the process. based on my research and people's suggestions, it seems like these are the options: option #1: resolve dispute informally. how does this work? if the seller agrees to take the item back and refund my money without my filing a claim with eBay or paypal, can she get any of her fees back? what are the pros and cons of resolving a dispute informally? option #2: file SNAD claim with paypal. from what i've read, i file the claim with paypal (not eBay), eBay contacts the seller and she is given the opportunity to respond, then paypal makes a decision. if i lose then my last resort is option #3: request credit card chargeback. i understand that this is does thru my credit card company but i imagine paypal must get involved at some point. can anyone provide information on how this process works? TIA!