Snip unnecessary size and bold tags..
Well.. Why are you letting them take $25.00 from you? Call back and hassle them enough, and they'll refund that as well. And they'll probably put you on the "special attention list" if you cause them enough headaches.
That will mean they will actually make a note that says if they try to charge you bulls**t fees, that you'll call them over and over again until it gets squared away.
Hey, this is life. Some businesses will try to take advantage of you. That's the way of the world. Yeah, they do have more power over you than you do over them. That does not stop you from sending multiple emails to their service department, and making multiple phone calls requesting a certain manager until someone gets the idea not to f**k with you.
You may think it's not worth it, but if you do not push hard for your main payment source to take care of you, it'll happen again, and you'll have to make that additional phone call anyways.
I'm not really getting what's the big deal. You lost $25.00 that you can easily get refunded if you push hard enough. All this came about because you accepted a Paypal payment with no Ebay record of a "Buy it Now". If you had not accepted that payment until the buyer had committed through Ebay, then you'd be a lot better off. They would be committed to buy the product, so you could refuse the refund. With a "Buy it Now" confirmation, Paypal is going to be MUCH less likely to automatically refund the person's money.
And as far as the person doing a stop payment or whatever through their credit card company, this is no different than anyone in a brick and mortar business that sells a high dollar item. At any time, a customer can walk out with the goods and immediately call their credit card company to reverse the charge.
Your only option is to refuse to take credit card payments under any circumstances. Good luck with that option.
You are refusing to look at it from Paypal's point of view. Lots of shady people out there doing shady stuff. If Paypal has to get involved in credit card refunds, then SOMEbody has to pay. You already acknowledged the person was acting suspicious, so why on earth did you accept the Paypal transaction from them????? From Paypal's point of view, they figure if they charge you $25.00, it will cause you to be more careful about accepting money out of the blue with no auction confirmation to back it up.
JMO,
Russ