Where Is My Seller Protection

I sold something on ebay for 395 i shipped it out ... then transferred the money into my bank account a couple days later there was a case open saying that the card that was used was fraudulent I thought nothing of it maybe it was an internal error. A few more days passed and they closed the case and put a negative on my account for 395 i recently got a payment for a couple items i sold ... and they took the 395 from that wth... i lost my product and they took money from me they said since the product was over $250 and i didn’t opt in for signature confirmation it's my fault. Where's my seller protection...isn't that why people use paypal?

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