Suggest you submit a complaint to the CFPB - there is a webpage and useful instructions for doing so. Ebay is a regulated financial institution and will have to

Suggest you submit a complaint to the CFPB - there is a webpage and useful instructions for doing so. Ebay is a regulated financial institution and will have to answer to the CFPB as to how they will be resolving your complaint. You can also submit a complaint to your state financial regulator - they usually have more teeth than the CFPB but take a little bit more time.