[P S]

PayPal is a truly odd system. I am surprised that it's even legal. Because it is so strange yet incredibly useful, the government does not know how to regulate it. PayPal is required by law to help people over the phone because money transactions are involved like a bank (this why eBay, payPal's parent company does not have to help over the phone because they don't handle money).
But PayPal can't help you as effectively as a bank can because instead of bank transactions which have a clean paper trail, PayPal transactions occur in the etho-sphere of the email universe.