hi rick,
yes, ebay will check the situation out for a 3rd party unauthorized user, and credit your fees back if it's proven,which they did with me. however, in my case, that fraudulent listing is showing in my auctiva listings and when clicked on, it shows that the item is no longer available. thus being because ebay took care to end it for me. i believe that these "hackers" or whatever u want to call them, are getting in these accounts through auctiva and not ebay. some may enter through ebay if the person in fact, replies to spoof emails by replying or clicking on a link sent to them through email. but for everyone's safety, let's hope that auctiva finds a way to somehow make it a little more difficult to get in to someone's account. let it be known that i NEVER reply to any emails or click any links from any such site. i ALWAYS pull up another page and start fresh. i just think that the encryptments need to be looked at a little closer or does auctiva even have that?