I found out yesturday that if you have a problem with a purchase you made outside of EBAY you are not covered under PayPal Buyer Protection. I had purchased some items off Etsy (awesome site, everything is handmade). The seller took a month to get them to me and they were completely different than we had discussed. The last message I received from the seller was, "I shipped your items I am no longer obligated to you anymore". So I tried to file a claim with PayPal and it was closed as soon as it was opened. I called PayPal to find out why, and I was told the details of the transaction could not be verified outside of an Ebay purchase and details could be changed. The rep told me to go through my bank and file fraud charges against the seller. I think that is awful of PayPal. Seems if you use their service you would be covered. Edit to add: The rep also mentioned something about you can't make claims on the quality of item received. That made no sense to me, my claim was mainly about receiving the wrong item.