Ravensteve,
That doesn't mean that Ebay cannot touch your bank account, Your bank is doing their job, They let you fill out the authorize form that you did not gave Ebay permission to withdraw money out of your account, They send that to Ebay's bank account, to refund you the money back, but that doesn't mean you will get your money back, If Ebay send them the form that you signed during the time you registered at Ebay that gave them permission to used your bank, You won't get your money back. They win, and you lose. Make sure you know what you signed before you registered at Ebay.
I know how that works because I filled one out before, It happened 3 years ago or so, I recovered on my bank statement that someone from Cingular Wireless Automatic withdrawn money out of my account for two celluar phones that I purchase in Florida. I was like celluar phones? So I had to call my bank, they asked me to come in and filled that form out that I did not give them permission to automatic withdraw money out of my account. I explain my reason too that I never purchase two cellular phones in Florida. Cingular Wireless refunded the money back to my bank, because they didn't have my ID on file, they didn't have my signature on file. Of course the person who used my bank account was an ex boyfriend of mine. He have done it twice, Once to pay his electric bill in Florida and purchase two cellular phones in Florida under my name.