Hi lawlykilla,
From reviewing the information you've supplied here, it sounds like a chargeback case was filed against you. We know chargebacks can be frustrating and do everything in our power to help our sellers but due to consumer protection laws and our agreements with the credit card companies, the final decision of any chargeback is made by the buyer's card issuer. You can learn more about this process here.
The good news is that PayPal does offer protection to sellers who meet our Seller Protection eligibility requirements. Once you meet these requirements and are able to provide us with proof of delivery or proof of shipment, we will cover the costs associated with that chargeback case.
Regarding the $20 chargeback fee that is assessed when seller are not eligible for PayPal's protections, PayPal assesses this fee to help defray the actual costs of a chargeback (which are actually much higher than $20). Chargebacks are a risk regardless of the payment processor because the buyer can always go to their card company; however, you may be able to find additional information about mitigating risks here.
I apologize again for this recent experience but hope that you find this information helpful.
Thank you,
-AshleyP
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