you are not alone buddy, me i sold bitcoin to a buyer and the buyer paid with vanillacard (US prepaid mastercard), its not 1 times negative balance, i got twice negative balance, 1 from paypal system, 2nd from i dont know who, based on the buyer said, he didnt dispute. paypal doesnt give protection to the seller!! the 1st chargebacked by paypal system already solved, know paypal said the buyer dispute the credit card, and now the payment put on hold again so my balance become negative again. and now i lose my bitcoin and lose my money! how can this be so fair?? how can you burden the seller with 3rd party? so buyer is every thing? just buy something and dispute then the seller need to pay for the damage?
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