eBay issue when using a Vault service
So I have been having my eBay purchases sent to my PWCC vault account. Unfortunately, I purchased an unopened box of cards and the seller sent t-shirts instead of the box. It turns out that the eBay terms of service state that if "The item was collected by a third party on behalf of the buyer" it is not covered by the eBay buyer protection service. That said, even if the transaction had been covered, I did not find out within the 3 day window from when the item was delivered which would have voided the eBay buyer guarantee.
I am going to dispute the charge with my credit card but just a heads up that shipping to a vault (PWCC, Goldin, etc) directly from an eBay purchase leaves you without any recourse from eBay if the seller ships something that isn't the actual item you purchased.
I will note, I have saved more in taxes by sending purchases to my vault account than I lost in this particular transaction so I am ahead overall monetarily (even if my credit card dispute isn't resolved in my favor). However, outside of items that have to pass the eBay authenticity guarantee, you are taking a risk having them sent directly to a vault account. I know that going forward, I will be changing where I get items shipped for unopened.