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Refund

Money was taking from my hank

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Refund

If you had to refund and the buyers payment didn't clear the refund will be pulled from the payment source you have on file to pay fees and cover refunds.  
If you had funds taken for the refund it is because you had no available funds in eBay to cover. 

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Refund

   Poor hank. It wasn't his fault....................

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