OP here. <TL;DR> I got full refund. You can open dispute cases at PayPal or Synchrony Bank. Do not open two dispute cases -- one with PP and another with SB simultaneously, which I did and I got double refund, and had to pay back later. For the record both PP customer service and SB customer service were equally professional, helpful and pleasant to work with. I verbally explained what had happened, and neither of them required me to prove further. Yet my personal preference is SB over PP as they worked like any other credit card companies where consumers are well protected. PP is traditionally an escrow for the seller and the buyer where disputes turn into arbitrage process -- at least that was my experience using PP for eBay.
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