I sell you my graded Batman comic on ebay for $300. I look up your zip code - Motor City, Detroit, MI 48202. I look up a shopping plaza (or any other address) in your zip - (New Center One Shopping Plaza, Detroit, MI 48202). I ship a bubble mailer with tracking to the shopping center instead of your address. When you open a Ebay claim for item not received, I upload the tracking from the shopping center. Ebay only sees that it was delivered to zip code 48202. Ebay then closes the claim as the item has been delivered. You lose out on the Batman comic & the $300.
I am an honest seller/buyer on ebay & I do not do this, but it happened to me & its an awful thing that happens frequently.