you are so lucky you got your money back!
that is why i got out of silver and really just mess with copper now. there is SO much fake silver and gold! and is it really hard to tell the difference between real and fake on the new fake stuff, my local coin dealer showed me a fake morgan dollar he had gotten ripped off on, it looked real! it was even worn to look old, it fooled me and i have been playing with gold and silver for over a decade! it is just to easy to get screwed with fake stuff anymore, i have seen people selling fake silver dollars at the flea market and people was buying tons of them "the seller said he did not know if they was real or not" and people just bought tons of them thinking they was going to flip them at a pawn shop for a quik profit, i even told people they was fake and they bought them anyway!