Tough one
I haven't had any dealings personally with Rick, but know I have read quite a few threads with accusations here on Net 54.
I would likely take the refund (after which I do not think you will be able to leave negative feedback) and keep the card/cert on your radar.
Possibly just an "Ebay glitch" - though one I haven't heard of before - Ebay automatically relisted a card that had sold already? Really?
Possibly - someone looking to flip the card and unhappy with the 40% loss?
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