There are a lot of assumptions going on in this thread without any real evidence to back them up. One of the biggest ones (IMO) is that the card arrived undamaged. For those that want to put 100% of the blame on the buyer, I have this question. If, when opening the package (and another thing, was it a PWE or an actual 'package', though I may have missed that) the buyer bent the card, should he take all the blame as well? If, when opening the package, he acted in the manner of a hazmat team handling a possible biological weapon, the buyer discovered the card to be in a 'different' state than what was presented at the time of the sale, would that also be the buyer's fault?
I'm not saying that the buyer wasn't responsible for tearing the card, but to say he received the card 'undamaged' in the package is making an assumption without actual knowledge. Whether a PWE or an actual package, if the little information the OP provided is to be taken at face value, then I find it difficult to imagine that the card actually arrived 'undamaged'. While a tear in a card would trump a simple corner ding, how can someone say the buyer is 100% responsible without knowing all the facts?
I also believe somewhere in the thread the OP indicated that the seller usually puts the card in a top loader (or thought he did, or something like that). That would lead me to believe that the seller understood the risk of sending something 'raw' through the mail, implying that in not doing so (intentionally or not), he assumed part of that risk.
As noted by others, both parties have some blame in this, but I'm not in the position to judge the extent of the blame.
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