Thank you for your reply, but I am a bit confused.   The buyer sent me a message, not through Ebay, and because it was low cost, I decided to refund item so as not to receive negative feedback. So I refunded through Paypal.  So there is not dispute opened at all.
But if ebay automatically send this buyer a request for payment, as  the order is sitting in my Sold items saying Buyer has not completed checkout, (as refund has been applied to whole amount), then they may very well give negative feedback, which I was trying to avoid.