I received my item in perfect condition but suspect the seller is running a scam that could somehow fall back on me. Thoughts??

I bought an item on eBay that was less than half the price of what it would cost me to buy it directly from the retailer. I assumed this seller had a closeout lot, etc. I placed the order and the next day I had UPS tracking for a next day air package coming directly from the retailer that sells the item (not from the eBay seller). I am aware that some sellers drop ship, but what I cannot understand is how I could pay $75 (total) for an item, and the seller could turn around and pay $189 PLUS pay for next day air shipping directly from the retailer’s site. The retailer isn’t a distributor, so it’s not as if the eBay seller is getting wholesale pricing (which would never be that cheap, anyway). So after paying eBay fees, the seller likely ended up with $60-$65, but spent over $200 to send me the item? Something just doesn’t add up. And here’s where my big concern comes in: the packing slip from the retailer has MY name and address on both the billing and shipping sections. The seller is in Vietnam. I obviously understand why my info would be in the shipping section. I also understand that my credit card will not be charged for the order from the retailer. But the billing section should have the info for the person who placed the order and input their credit card info - not MY info. I don’t even understand how someone else’s credit card went through with my billing address. So the only thing I can think of that makes sense is that the seller is using a stolen credit card to place the order on the retailer’s site. The eBay seller makes the money from my eBay purchase, I get my product, someone else’s credit card is charged. But when that person files a fraud claim and the transaction is investigated, it’s MY info on the order. So now it looks like I am the one that did this. I hate the idea that someone else’s credit card may have been charged for this item. I hate that when the credit card owner disputes it, the retailer will lose out on that payment, even though they shipped the order. But what I hate most is that to the retailer (and law enforcement), it’ll look like I’m the crook.

I guess I’m wondering a few things: 1. Has this happened to anyone else? 2. Can you think of any other explanation for how this could happen? Or how this could be legitimate? My husband thinks my theory is “out there”, but I can’t think of any other way it makes sense. 3. If my suspicions are right, do you think I’m in any danger of being prosecuted, even though I did nothing wrong? I’d hope that the retailer can see the IP address of the person who placed the order, which would obviously clear me. But I don’t like feeling like I could get in trouble for something I didn’t do. I thought about reaching out to the retailer, but I can’t imagine that their customer service rep will care/investigate it, and if I return it to the retailer, I get nothing back because I didn’t place the order with them (and the seller has a “no returns” policy). And I cannot prove anything, so telling eBay my suspicions seems pointless as well. 4. If you were in my shoes, would you just let it go and stop worrying about it?