Am I Being Scammed?

I listed a guitar for sale on eBay at the end of January.  I had finally decided it was time to get busy with cleaning out the house of my husband's belongings -- he passed away in June 2010. The guitar was the first item I offered for sale.  My asking price included the option for "Best Offer" and I received, within the first two days of the listing, an offer of a little over half what I'd asked.  Before I had responded to that offer, the item was ended with a "Buy It Now" by another buyer, who agreed to buy it at full asking price.

Immediately upon the sale, the buyer sent me a note requesting I await payment until the following Friday, "payday" as he called it.  I agreed to wait the week and sure enough, on Friday, February 11, I received the promised payment.  I packaged the guitar with care, tuned down the strings as the buyer had requested, and included in the case a photo of my husband, John, as he had indicated he'd like to have that with the guitar.


Monday morning the guitar was delivered to Fedex for shipping.  The package was properly insured and I tracked its progress from my origination to the delivery destination.  It arrived and was signed for on February 16.  I left positive feedback for my buyer and went to bed, happy the guitar had made it there safely.

Today I was out of the house all day.  I took a day off work and drove up to Maryland to see my father, who'd recently suffered a stroke.  It was an emotional day for me. Seven total hours of driving, and a three hour visit with Dad, and I arrived home tired.  I logged onto my computer to discover my buyer had sent me an eBay message indicating that he did not feel the guitar was worth what he paid for it.  I, of course, sent him a return message, agreeing, as is my policy, to take return of the guitar, at which time I will refund his payment.  Then I discovered the buyer had opened an eBay dispute, indicating that the item was not as described.

When I logged into my Paypal account, I was greeted by a negative balance.... it seems that today, Paypal put a hold on the payment the buyer had sent, and which I had already withdrawn.... leaving my Paypal account in a negative balance standing, preventing me from being able to do much of anything.

Of course, I have responded to the dispute, explaining, in 1000 words or less, what transpired.

At this point, I will be happy to get the guitar back.  It is a beautiful instrument.

I will have to await to see whether I am actually being scammed.  I sure hope not.  I hope the buyer is legitimate, returns the instrument and accepts the refund... but I don't think I will be selling any more big ticket items on eBay again.

Here is the link to the item....
http://cgi.ebay.com/ws/eBayISAPI.dll?ViewItem&rd=1&item=370480693824