I've been a PayPal customer and credit card holder for years. But no more! I contacted them about an online purchase I made from a fraudulent clothing company called Nora Cora. The company would not allow me to return the items I needed to, In fact, they would not provide me an address for returns for weeks until I involved PayPal. But it ended up that Paypal was no better to deal with than the company who wanted me to return my items to Hong Kong! Or to give them away as gifts as they suggested. I called Paypal, I emailed Paypal, I responded to their online customer service. They just kept sending me Form responses. They told me to return the items on the same day that Nora Cora told me they would not accept the items because it was beyond the 15 days... yet it took them eight weeks to deliver. PayPal denied my claim because I did not pay to return the items to Hong Kong in order to receive tracking information. Cut up my PayPal card. They did not have my back. I'll never use them again. American Express would have helped me!