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Refund question

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Hi i bought an item in ebay with payoneer cc from a seller that i didn't get, and after a month i got a message from ebay telling me that they banned the seller because of non authorised activity. i tried to get a refund they told me that they cant help because i didnt buy with paypal and i should contact the bank if i want a refund so how can i do that ? and i it possible to get my money back ?

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