In case anyone else looks at this thread, and FYI... I was able to refund this payment and reverse the fees. The only twist was that since I had already transferred the money from PayPal to my bank account, PayPal is going to pull the money back from my bank account to fund the refund transaction. Fortunately I have the cash to fund that. This whole reversal will take almost a week to process, but once it's done I can have my relative re-pay me through the Friends and Family option with no fees. A hassle maybe, but worth getting my money back.
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