I bought a digital camera, off ebay using the buy it now, and the guy never shipped the camera. He ripped off a bunch of people, and E-bay blocked his account. I didnt like the way PayPay was handeling the issue, so I called my credit card company and they got my money back. If you go to your credit card company, PayPal throws the complaint to another department, and it takes longer to get your money back. Pay Pal likes to handle the issue internally instead of your credit card company getting involved. I didnt care. In the time it was taking PayPal to investigate the issue, my credit card company got my money back faster.