It sounds like you're in a complex situation involving the sale of an item, a payment dispute, and interactions with banks and eBay. Here are some steps you might consider taking to address this situation:
1. **Understand Your Obligations:** First, clarify the terms of the transaction with eBay and the implications of the claim. If the buyer claimed that the item didn't arrive, eBay's policies may have resulted in you being refunded or charged


