<prompt> Human: Hello PF,Im in some hot water with a purchase I made on eBay 2 months ago and was hoping if anyone could provide any insight or help.I purchased a collectors themed video game model on eBay and paid through PayPal. Initially, I wanted to use my debit card because it offers protection for items not received Ive used it once before successfully but for some reason the payment wasnt going through. After calling both PayPal and my bank Wells Fargo three times each to fix the problem, a Wells Fargo representative eventually just told me to go ahead and use the e-check option, as it provides the same protection as the debit card. At first I was skeptical because I read up that an e-check is essentially a check and once its through its gone. I asked him again to make sure that it offered the items not received protection and be verified. So I went ahead and made he purchase.Fast forward three weeks later and the eBay seller provided a fake shipping tracking number 1234 and I knew I should call in right away to get my money back. The seller never responded to any of my messages but he responded to the PayPal dispute when I opened one for item not received. My case was closed in his favor a few days later for the reason: item is virtual and intangible so there is no buyer protection. I thought to myself, but this isnt a virtual item? The item was clearly listed in the toys and games department on eBay, meaning it was a physical item as described. I called in PayPal to explain my situation and the representative said the claims department must have immediately thought it was intangible from the video game theme, but it wasnt. He gladly opened an appeal for me and the case was open again. A few days later he appeal was denied. I called in again to explain the situation again. The customer rep sided with me and said he would open an appeal again, this time making more notes on the case. Case was denied. I tried again, this time having an eBay representative on a three way line so they could confirm facts and any unclear matters and at the end of it all, the PayPal representative made a clear statement that the case should be decided in my favor. A few days later my claim was denied. I havent tried calling them again, I see PayPal as a dead end now.A few days after this I opened up a claim with my bank for items not received. I was processed through an ACH form that I was able to fill out over the phone. I confirmed that I did not receive anything of value on my end for what I paid for, agreed to a long list of terms, and then an investigation would be started for me. A few weeks later I call in again because I was supposed to have received a response through the mail already, and the representative didnt know what to say other than open another one. So I did, and a week later I ended up receiving two letters about my ACH claim. They were both denied and their reasoning was we found that the items you purchased were authorized and therefore we will not be able to refund your money. But then I was scratching my head because my reason for opening the claim was that I didnt receive anything, not that I didnt authorize it. So I called in and finally got a representative who seemed to know what was up. He explained that ACH has no jurisdiction or protection for items not received, only for unauthorized claims. He also said that the fact that the receiving bank was international also made it much more complicated. He said there was nothing I could do from the claims end and apologized for the misinformation when I made the purchase.Is there anything more I can do? Does a bank have a customer retention department or anything that can get me my money back or at least reimburse me for something ? I would never have made the purchase in the first place if I knew that I had no item protection. Is there somewhere I can contact to file a complaint to see any light of my money? PayPal was no help, eBay immediately sided with paypals decision, and the bank last resort was also no help.Does threatening to switch banks do anything at all? I guess if anything this is a good enough push for me to get a credit card to make online purchases. Ive read up on how much protection a cc offers in comparison to debit and check.I am thinking about switching to chase now and permanently residing there . Im 19 and still in college, every dollar counts. Is there any mercy for the likes of me?Thank you for reading and thank you for your responses.  <response>: Does threatening to switch banks do anything at all? Unless you have millions and millions of dollars in your account, theyll probably be secretly happy to see you move onto another institution. 