A couple of times, I haven't received my item in the mail, so I started a dispute and paypal gave me my money back. I have only had one problem with ebay. I bought a DVD remote for my XBOX and it never came in the mail, so I started a dispute thru ebay and paypal and the guy closed both his accounts and they were unable to get my money back because he didn't have the funds in his account. Funny thing is, you do need a credit card to start up a paypal account, so you would think there was some way to get my money back from this guys credit card? I don't know how that would work? I only lost out about $20, so I am not going to make a big stink about it. Another thing is that I keep getting fake emails from paypal asking for my information, or else they will suspend my account. Whenever you get an email from paypal, make sure that they refer to you as your NAME and not Dear Paypal customer!