I had always been leery of PayPal and had done my best to avoid using them.in August I relented to my 15 year old sons pleas to open a PayPal account in order to purchase a computer graphics card on EBay. (My son received the graphics card without any problem.)
2 weeks after the PayPal account was opened, 8 fraudulent charges appeared on my credit card all from the a vendor who neither me nor my son had ever used (or heard of) and totaling more than $700. I notified my credit card company of the fraudulent charges and they suggested that I also notify PayPal of the problem while they investigated my claim.
The next day I notified PayPal of the 8 fraudulent charges via phone. PayPal took down the information and provided help getting back into the PayPal account (which my son could not remember how to get into by then) and promised to investigate. 12 hours later (at 3:00 am) I received 8 e-mail notifications of my claims. 1 minute later, I received 8 more e-mails denying my claims.
I called PayPal customer service again and was told that all of the charges had been made from the same computer and that was the reason the claims were denied. They refused to tell me what products had been purchased and how they could know that the purchases had all been made from the same computer until I demanded to speak with a supervisor. The PayPal supervisor did absolutely nothing to help the situation and blamed the transactions on my son (who did NOT make those purchases).
The good news is that the Fraud Division of my credit card company took matters in hand and removed the charges from my card. If my bank account information had been part of the PayPal account, I would not have had any recourse.
Beware of using PayPal, as they will not protect you!
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