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Another thought, you said they restored your settings before you found out, maybe this person DID change the password but ebay changed it back before you found out about it..
Let me clarify that -- It was a very short window of time that this all went down. I got the email alert confirming my email address change (which I of course did not authorize), so I logged into eBay (NOT by clicking on any links in the message, mind you) to find my personal settings changed. I was seconds away from contacting eBay when I actually received an email from them stating they discovered my account had been stolen and restored everything. So we're looking at about a five minute window. I knew before eBay notified me, but eBay found out before I had a chance to contact them.