Buyer wants a refund but I can't find the transaction in either my Paypal or bank account.

Buyer wants a refund but I can't find the transaction anywhere on my paypal account. She insists she's paid & I did get an Ebay message sayign it had been paid. Why is it not showing up? It's not in my bank account either. Again, I've spent hours on this. Any idea where it is or how to find it? Thanks.

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