I sold a nice Nolan Ryan card on eBay for $15 to someone and apparently forgot to seal the media envelope when I shipped it. The buyer got the empty package with the removable tape still on and no card

.
I refunded him and I think we were mainly both upset that a really cool card had been lost.
Different situation because it was clearly my fault and not a huge deal because the amount was small.
But I'm just selling stuff from my PC, not trying to make money when I sell. I imagine that for those on the forum that are trying to make extra money at this the loss of funds, time, energy etc. would be a drag.
Best of luck to you both in getting this resolved.