Ok just a little info maybe somebody might have some help for me I get a email last night that a guy who bought something from me a year and a half ago has told his credit card company he never received the part Paypal has withdrawn the funds( a good amount ) bringing my account to a negative balance for up to 75 days while they wait for me to prove he received it I spooke with the paypal C/S person and apparently when a buyer uses their CC ( i have no way of knowing what they use to fund their paypal purchase too me) the CC has rights for 4 years to make claims against sellers WTF? My first issue is how am i going to be bale to provide this information with so much time passing i certainly don't keep a del conf for a year and a half and i know i did not send it with signature required so ultimately i am sure i will lose. This brings me to my second issue, how to save my account and not pay this money back while this guy has been using what he bought for a year and a half? I use ebay quite frequently and i have a couple of websites that also have buy it now buttons attached to paypal and it will really make a huge inconvience trying to sell little $12 bits while i wait for personal checks to clear I have been on ebay for a very long time as well as paypal and don't want to have to start both new accounts in my wifes name or something if i don't have to. I am able to have paypal credit back the funds that were in the positive for a week while i try to track down proof at which point i can withdraw the funds so at least i get what is mine out, but then they will of course side with the credit card company and take the amount out and if i don't pay it ( a sizable amount i don't have, nor feel i should get fraud done to) they will close down my account. I am thinking maybe just have my wife open a paypal account and then just use that account to link for my sites and also can i use that account on my ebay account then for payments? What to do and what is going on with this world??? sorry for the rant i am just baffled with this lady telling me anybody who uses a CC on paypal has up to 4 years to file a claim with their CC saying non-receipt and if the seller does not have a signature they will automatically refund the CC??? everybody go get your money back and commit fraud, come on.