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Yes I temporarily lost £350 via paypal and eBay. I sent some amateur radio equipment to someone via UPS tracked fully insured. Was signed and delivered. The buyer decided to return it immediately (suspicious) but I had no choice. I received the item back and it had a different serial number. The buyer had stolen a working radio and replaced it with a broken one. I contacted eBay and they told me to work it out with the buyer and they couldn't do anything. The buyer did not respond and opened a case against paypal. I provided evidence to paypal and paypal sided with the buyer because as far as they cared, both deliveries were signed for. Then because I didn't have any money in paypal they took it out of my account instead. The bank allowed this and it caused an unauthorised overdraft that cost me another £30. I closed that bank account and removed it from paypal immediately.

The buyer listed the radio I had sent him immediately on eBay for way above a reasonable price. I took screenshots and made a police report. Didn't hear anything back in a week. Considered small claims but I'd have to potentially travel to the claimant's area which is a good 3h drive each way at the time.

So the buyer/reseller was in Ipswich which is 15 miles or so from my brother-in-law so he went round there and recovered it for me. My brother-in-law is an ex army (Gulf War vet) 6'5" bouncer. The guy did not argue with him. He was told he could come and collect the broken one at his cost from Bristol. He never did.

I now run a mule account on ebay managed payments and do not accept paypal for anything and do not send anything until cash is cleared from the mule account into my main account.

Edit: also worth pointing out that ebay do not allow sellers to leave negative feedback for buyers so you can't even rate or report the buyer publicly. If you leave any comments in a positive feedback other than sucking dick, they will remove the feedback.