Despite all the hype about eBay, the fact is they have made it increasingly difficult to communicate with them, and their customer-fraud policy is laughable.
If you are determined to reach eBay customer service, be prepared to spend at least a half hour figuring out how to do so. They have buried contact information in such an obscure and illogical place that you'll need great patience to figure out how to reach them.
As for fraud protection, eBay limits liability to $200, no matter how much you may have paid for an item. Furthermore, they refuse to refund your shipping charges, even if your purchase was never shipped. The final insult is they will charge a $25 "processing" fee to handle your complaint.
Compare this to Amazon's fraud-protection program, which covers you up to $2500, includes shipping charges and doesn't nick you for any "processing fees."
Fraud is more widespread on eBay than they would have users believe. Perhaps for that reason, they won't stand by buyers for more than $200, less shipping charges, less that irritating fee.