Hey boys and girls, I've been away a couple days having to go to a funeral. Anyway I get home only to read an email from PayPal saying that an item I sold has been chargedbacked. This item was a World of Warcraft account I sold for $560, yes...to you non-nerds who would pay that much for an item :tongue:. Anyway this was back in early May, and since quitting the game and selling the account I've obviously spent this money. Now PayPal tells me it was paid for with a stolen credit card and they've issued a chargeback, basically taking the money away from me. So now my PayPal account has a negative balance of $530, and PayPal is telling me to pay this money. I was trying to understand the best I can the User Agreement on PayPal but I didn't find anything helpful out of it. I did learn however that I am not protected by their "Seller Protection", because I did not ship the item to the PayPal address registered to the account. Why did I not ship to that address? Because it was intellectual property that didn't require shipping. I got screwed here and apparently owe them money. Back in January I was the victim of credit card fraud on PayPal yet again when I sold a video card and shipped it to Indonesia, yes that was stupid of me and my fault and I thought lesson learned, but in this case how am I supposed to know it was a stolen card? And PayPal waits over a month to let me know its a chargeback when the money is spent already. I'm 22 years old with no job and no time to get a job, I'm in a rigorous 14 week training to become a Court Officer. I'm extremely worried whats going to happen. I have no money to my name and just recently had to spent about $2000 on uniform and equipment for my job, now I supposedly owe them $520. Does PayPal have the legal right to and will they take money out of the bank account linked to the PayPal account? This is what I'm most worried about because there is no money linked in that account, and I don't want them to start trying to withdraw money that isn't there and costing me +$30 fees from my bank. I'm going nuts over this, what if any are my options, what is PayPal going to do? Has anyone had a similar problem like this? If it wasn't going to cost me more money I don't have I'd get a lawyer, I feel like a victim of PayPal's bad policy here along with a victim of credit card fraud.