A product I purchased via an online escrow marketplace was defective (huge solder blob that sticks outside of the epoxy coating, connected to +12V). The seller is actively trying to make me end the dispute I created "so we can refund you" (without involving the escrow).
When I said I don't have Paypal, i.e. they couldn't refund me outside of the system, they wanted me to reclassify the dispute as a "personal reason".