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  1. Paypal issue. This happened to me a long time ago, but from what I understand, paypal still works the same way..... You agree to sell an item to someone. They pay you thru paypal. You receive the money, they receive the item. Transaction complete.....not so fast. The buyer claims thru paypal that they gave the money, but did not receive the item. Paypal claws the money back from your bank account (linked to paypal). Now the 'buyer' has the item, and took the money they paid you back. Robert