I haven't gone to the bank, no. I have a very unhelpful one (even in cases of outright proven fraud) so i just have always dealt with paypal since they have always been reasonable. ive never had an issue with charge backs over the 180 days as long as i could prove i was owed what i was owed. but they had a new change i guess to their system so that essentially means im only getting it back if she sends it back unless i want to put more effort into it. and honestly as much as 40 dollars is a decent amount and i believe i should get it back, at this point i just want to have it closed and move on, because i'm kind of a pick your battles person and this just isnt worth expending more energy on fighting. i only made this post after finding out about several other things so i felt that it warranted bringing attention to this situation, in the hope that it can be a learning experience for others about keeping clear deadlines and expectations, and being aware of paypal policies, as well as hopefully a learning experience about managing expectations and responsibility for the artist because she does do lovely work I just think that she could be better in regard to her wait times and things like communication with individuals on deadlines, wips, that kinda thing.