Oh! I had no idea that a request for reasonably-owed charge back that attempts to resolve proved fruitless, could result in a ban from all the Corporate products. THAT is scary.

A few years ago I'd protested a charge from Ebay for an item that never shipped and the seller was 100% nonresponsive, past his allotted time to respond. I had to protest it because eBay's position was that since I'd (in desperation; eBay wasn't helping) contacted PayPal about the fraudulent charge, that PayPal was responsible, while PayPal made eBay responsible.

I received an immediate (provisionary) credit to my bank account, and got to keep it. I will say that since then, eBay's Customer Service has greatly improved standards of customer care, and that since then, every concern has been immediately reasonably addressed, and their follow-up has been great.

edit: typo