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Hi bogeyman_1815,
Thanks for posting on the Community Forum and sorry to hear about this.
In a situation where a buyer files a chargeback with their credit card company, the card company would refund them directly. Ultimately it is their decision to reverse a payment in this type of situation, not PayPal's.
I am very sorry that you have had this experience, and you can find more information about chargebacks and how the process works here:
https://www.paypal.com/uk/webapps/mpp/chargebacks
If you have any other questions at all, please let us know
Sophie
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