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It depends on your card issuer if they accept PayPal payments but usually, they do not as it's just another way for balance transfer. You may check with your card issuer.
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You can file an unauthorize transaction right from your transaction summary page. PayPal usually resolves this within the day or at least 1 day (based on experience). It might be because PayPal had rejected your unauthorized claim.
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If you deemed that the transaction is not made by you, call PayPal immediately or file a dispute and PayPal will investigate this for you.
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There are two cases where the sender is charged a small fee even if it is by "Payments to Friends & Family". 1. If your friend's source of fund is a credit card and not via PayPal balance. 2. If your friend is from a different country.
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The main reason is you probably have a permanently limited account due to term violations and as part of the sanction, your money is help for 180 days before you can withdraw it. Also, after that, you can only withdraw the funds through the check issued by PayPal.
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