Why ebay is suffering Loss ?

One of my buyer filed ebay Guarantee Claim that the item is faulty and he want refund.

I did get a mail from ebay that the payment has been refunded to the buyer.

 

After few days i received another email that your paisapay account is credit with Rs.*** under ebay seller protection.

 

One big question :

 

Why ebay is suffering loss, and atleast they should tell the buyer to send the item back to seller.

 

Buyer gets refund as well as product. Whats this ?

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