Ebay
Buyers have all the power on ebay. If you don't make him happy with a refund or return, he will hit you with negative feedback. A few negatives and your reputation will suffer with other buyers. It's tough to be a seller on ebay. Tough to have to give in if somebody is unhappy. To make matters worse, somebody else could submit that same card for grading and it might get a number grade next time! Fortunately, this type of thing doesn't happen too often. If it were me, I'd give a full refund and be done with it.
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