I am sorry but I cannot excuse eBay or PayPal for the weakness, known to exist in the "Buyer Protection Program" it has been there for years and not corrected. And as far as eBay and PayPal the victims. eBay is the entity that allowed a refund without any notice (until after the fact), input, evidence or authorization from me. PayPal is the entity that will either debit you bank account for the refund or turn you over to a credit collection if you refuse to comply. Victims, I think not!