I am never using Paypal again. They market their company by saying that "we got you covered", users beware, this is a bold lie! I personally learnt that I was not covered. I bought an item on eBay, checked out the payment with PayPal. However, I received a defective product and when I requested PayPal to kindly issue me with a refund, they refused.

The item return time was still valid, however, in their claims to deny the refund, Paypal insisted on providing all sorts of excuses in order to protect their profits.

https://www.paypal.com
webform@intl.paypal.com

If you pay more than $15-20, do not use Paypal, instead, use credit card processors. It is too much money to lose.