This isn't in reference to anything at the moment. I have no disputes or problems with any transactions currently, BUT over the years I've had a couple of problem purchases. Some were on Ebay and one was a problem that has been beaten to death here about a group buy gone bad. In no cases did Paypal ever successfully retrieve my funds, but did once manage to charge me a $25 fee for trying... am I alone in this? I hear people always saying that Paypal will cover you and don't worry, but has this ACTUALLY happened for you? were my situations an anomaly? or do many find the Paypal reality to not live up to the promise? for disclosure... one of my instances was a custom build that went over the 45 day period, which I sort of understand..even though the promised delivery date was beyond that so by the time I knew there was a problem it was too late...but shouldn't have been. the others were people who withdrew the funds and abandoned their account and Paypal said they could do nothing. in those cases the promise of protection was meaningless.