This is the second time ebay and paypal has cheated me this it cost me over $120.00 in November of this year 2014 I had 4 items that the post office broke items I gave the buyers there money back just I should one item was a watch the lady said it was not as described and rbay step in and gave back her money without any one notifying I call ebay and ask why they did that I told that all she had done was not puss in they stem and if they would say out of it I could have handle it. And it was not there job to give back money it was mine so they held my money and then turn around and took money out of my back account. Because iam on ssa I did not have the money in my back so they over drew my account to the turn of $60.00 I still have $70.00 in my paypal account that say's pending because they don't have reason for broken in shipping for the buyers to chose from, the only choice the buyer has is to say not as describe. I call paypall and they said it was ebay that was holding it I ask how long was they going to hold it first they said 21 days then they said until the 6 items was delivered then they said 3 days it's now been a week and still no money. Ebay cheats and lies beware they can get money out of your bank even if you have it set up so no one can