I am a current seller on ebay and a buyer has scammed me out of approximately $800. I have tried to explain to both ebay and paypal support that the buyer is lying about the item but both have told me I have not choice but to pay the negative balance. I do not want to pay it and will do everything to get out of it. If I do not pay off the balance will it affect my credit? My SSN and bank account + card is linked to paypal. How can I get out of paying for it?