Did you know that PayPal can file a claim/open a case on your behalf? I purchased a vintage handbag on Etsy, went on vacation, and when I returned home, I checked my PayPal account and was surprised to see an "open case" note in my account. I clicked on it for details and sure enough, the payment for the bag I purchased, was on hold and a case was pending. I called PayPal and the rep told me that PayPal keeps track of payments and sometimes certain payments are "flagged" for investigation. In my case, the seller must have had a pattern of fraudulent activity (her Etsy feedback was good, so I had no idea) and they opened a case on my behalf for my protection. The rep also told me that I would likely never receive the bag and if I did, I should be very careful about checking authenticity. She said that the case was still under review, but that PayPal would likely be refunding my money very soon. I had no idea that PayPal offered that sort of protection, but I'm impressed.