FYI--what you describe is not limited to eBay. I sell software through PayPal and I have been defrauded by someone who downloaded, marked it as "Significantly

FYI--what you describe is not limited to eBay. I sell software through PayPal and I have been defrauded by someone who downloaded, marked it as "Significantly not as described". Once they did that, my money was pulled. I proved the buyer still had my software installed on their site, PayPal refunded my money, the buyer contacted their credit card, PayPal pulled the money again. PayPal can be gamed in many different ways, but the credit card is the buyer's shield that even PayPal can't defend against. :(