Obviously they have the buyer's Paypal AND ebay details then???

Huh? What's that got to do with anything? If you used my card to buy something on eBay, then I would dispute it because you used my card without permission. I couldn't care less whether you received the delivery or not, I'd still do a chargeback.

There is no link between the cardholder's address and the eBay delivery address. The buyer can add any delivery address that they like in the eBay checkout.

OK - I will explain ONE scenario. A teenager signs in using mum's Ebay ID and orders a shirt to be delivered to his girlfriend. The girlfriend receives the shirt, so son leaves feedback. Then mum finds the charge on their credit card and disputes it with the bank.