I hate ebay truly as just today a buyer did a chargeback against me!!! she received the item back on 11/3 (have confirmation which I submitted to paypal) but filed unauthorized charge. I emailed her and she told me she didn't file the chargeback, that she loved the item, wasn't sure what happened- I called paypal who said she DID file it as she has to initiate it with her CC company. I am sick of getting screwed!!! This is **four** problems within a matter of days...U G H. THEN I went to pay for an item thru paypal and as my account went negative due to the above chargeback (I had pulled all my $ out thankfully) - and paypal said they will take out the money I wanted to send PLUS the funds not in there to cover the chargeback. I spoke w/paypal today and they said I could still MAKE payments without having to worry about the chargeback but that isn't the case when I went to do it!!! Now I guess unless I want to default on paying for auctions I'll HAVE to allow the funds to be taken out of my account to bring my balance positive?!?!? Otherwise I can't use paypal till this chargeback is resolved which could take 90 days according to paypal, the CC companies can take that long to review it I think I am going to freak LOL.