I 've been a member of the eBay and PayPal community since 2000. I only sell things intermittently but have run into serious and costly problems only recently. I listed several XXXX XXXX XXXX collector item statues on eBay for sale in their online auctions, all used with descriptive pictures. Every one of them sold and as eBay forces you to use PayPal for all of your transactions as a seller, I also had to use this service to transfer money. eBay and PayPal charge a 15 % fee between them, raking in lots of money. In my auctions, I listed that I do not accept returns or refunds and all items are as is. I also stated the requirements of my auctions, XXXX Mail XXXX shipping, damage insurance and signature delivery, and of course, no international sales. After receiving these items sent by insured mail, I began to receive notices of 'not delivered ' or that a buyer is complaining due to 'item not being as described '. I accepted XXXX items as a return due to damage and filed insurance claims, not because I wanted to but because both eBay and PayPal literally forced me to. PayPal withheld funds from my balance and even forced me to take refunds in situations I found were to be fraudulent. Despite proving that I was being defrauded and even their customer service agreeing with me and claiming 'that buyer has done it to many others ', they ruled in favor of the buyer and forced me to accept refunds on these items. As if that was n't bad enough, they send messages to the buyer telling them to keep the items. Now I 'm out for the loss they take from my paypal balance, or even hitting my bank account, and the collectible that I was forced to take back is still in the hands of the buyer that defrauded me. Not to mention, the fees totaling a minimum of 15 % of the selling price, I still have to pay. This is blatant fraud, but their response is to hide behind their unconscionable user agreement I never signed. Simply because I logged into their website, I supposedly agreed to their terms. I did n't agree to be defrauded, or to lose my things and have to give a refunds, plus pay fees. I look online and see various websites that are laden with comments that eBay and PayPal find in favor of the buyer in nearly every single issue. All a buyer has to do is to claim they did n't receive something at all ( despite their signature on the package from USPS ), or that the item they purchased was n't received 'as described ' and they automatically issue a refund before any other notification is given to the seller. No matter what evidence is presented, they issue a refund, then they tell the buyer to keep the item! I see what the CFPB does with debt collection companies, this is no different. They are acting as a third party and enabling fraud with disregard for the law. They must be stopped! I see various state lawsuits for XXXX violations and even fraud, but this belongs to the CFPB! Please get involved in this, they 've cost me well over {$1000.00} in less than a month. As they tried to take another {$520.00} from my personal bank account, I had to close my account, my card and dispute the charges. I never agreed to this! I 'm a XXXX veteran with XXXX children at home, a full time student and XXXX. It was suggested to contact you. Thank you for your time and consideration.