If you use a credit card from your PayPal wallet, and there is a dispute, to whom do you go for service?

Do you go to PayPal, or the credit card if there is a dispute which requires service?

Backstory — I ordered from Temu.com, wish me luck!

I don’t know the answer to your main question.

However, I ordered from a company that apparently uses Temu (the shipment came from Temu) and it was fast and had no issues.