cloned credit card makes it impossible for me to return funds or merchandise

[streamingmx]

My account has been unusable for years because of an unresolved dispute. I'd like to reactivate it but I need to speak or exchange information with a human.

Years ago my account was compromised. Hundreds of dollars were charged to my credit card to purchase merchandise to be delivered in destinations unknown to me. I filed a complaint with the bank. The fraud was so evident that the bank waived the charges. I did not have to pay any of those fraudulent charges. However, the merchants delivered the merchandise to the hacker. PayPal requires me to either return the funds or the merchandise. I do not have either. Does this have a solution? Can my account's limitations be removed?

[PayPal_Siobhan2]

Hi streamingmx, 

Thank you for contacting the PayPal Community Forum and welcome as a new member! 

Your question is very account specific and we would be unable to tell you why this has happened over a public forum. I would suggest contacting us via Facebook - https://www facebook.com/PayPal/, Twitter - @AskPayPal., email or phone and we would be happy to advise.

- Siobhan

[streamingmx]

I followed your suggestion by writing to AskPayPal, but it was useless. They only reply with whatever the website already publishes. I know what the steps are to lift the limitations in my account. I have to reimburse PayPal for the chargebacks that I allegedly received from my bank. But nobody is comprehending my issue: I cannot reimburse chargebacks that were originated as fraudulent charges to my credit card. If the original charge was fraudulent, the chargeback simply cancels out the balance. My bank did not charge my credit card. Is that so difficult to understand? Therefore, PayPal's solution of me "reimbursing" them translates to asking me to absorb the fraud event. Which is totally unfair. It was PayPal's weak authentication methods that allowed my account to be compromised in the first place. 

[PayPal_Drew]

Hi @streamingmx, 

Sorry if that's the case. 😞 

If our team is unwilling to resolve the negative balance, that would mean we are unable to confirm the fraudulent activity on your account. I apologize if this creates an inconvenience. 

Regards, 

Drew