I have never had a dispute on ebay, nor have I ever had negative feedback. I have never overdrawn my Paypal account, nor have I ever failed to pay my bill on time. I have, however been told by Paypal that they will be holding my funds for a couple of weeks because I'm supposed to be some kind of "risky account"! I immediately quit using ebay, and started selling exclusively on Craigs List, and insisting any checks or money orders must clear before I send the merchandise, or simply accept a credit card. The greedy bastards at ebay/Paypal are simply using everybody's money for a couple of weeks for FREE! I will not be going back til they change that practice. I actually sell stuff a little quicker on Craigs List!