I sent in a 1970 Topps Reggie Jackson in NM/Mt to PSA many years ago, which came back a "5," presumably because of a ding in one corner. Only problem was that it didn't have the ding when I sent it in. That is the only such bad experience I have personally had, although I usually buy only graded cards now, simply because its easier, and don't submit that many raw cards (usually only when I re-up my membership with PSA).
Best wishes,
Larry
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