I had fraud on my card in July, they allowed the first $600 transaction through and blocked the 2nd $800 one. I immediately reported it, hoping it would suspend the transaction while it was being disputed, as I didn't have 600 in my PayPal, so it was going to hit my bank acct. PayPal takes at least 10 days to investigate these disputes, and they allowed the transaction to complete. I contacted my bank, and they said they only had 24 hrs to return a payment. At that point I still had another 9 days to see what PayPal was going to do, so at the advice of my bank, they returned it for me. If they didn't take 10 days to investigate, perhaps they wouldn't have so many chargebacks. Also, I had some suspicious texts, and a phone call about using my card at Walmart in Florida the week prior, and when I called PayPal, they told me not to worry, they needed the whole card number to use it. (they verified the last four). I should have pushed harder at that point for them to issue a new card. Also this fraudulent charge was for an at&t bill and the PayPal rep had the audacity to ask me if "I was sure I didn't have an at&t account", then also told me I should just call at&t
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