Thanks all....
I'm not selling a pen on ebay, that would be heresy!
My wife and I are selling other stuff, we decided to downsize everything and keep only the truly important things, so ebay, here we come.
I contacted ebay via "live chat" and that worked surprising well, I was able to talk to someone about why this was coming up, and it turns out I put a fake phone number in my profile

. The person told me I really shouldn't have been able to post a credit card or pay pal info with that fake number there, but said sometimes it happens. Before I could sell I would have to "get the phone call".
So I pushed the call me button with "call me now" selected, and a millisecond later, the phone rang, it was like something from "The Matrix"

but it gave me the code, and I was on my way.
Thanks for the responses!