I've had experiences dealing with fraud from both PayPal and Bank of America recently. BoA were easy to get on the phone and refunded my money instantly. PayPal won't let you speak to a human, and after a week or so of going back and forth determined that it was acceptable for me to be overcharged for an item as long as I got the correct item in the mail.
Using a real credit card (not debit) gets you a great deal of protection and is a better option than ever using PayPal.
Really? I've spoken to humans at PayPal many times. When I call, I don't even have to navigate a phone tree or wait on hold, someone just answers. The people I talked to were helpful and knowledgeable about their service and handling problems (which is what I called about, some weird customer that sent a bunch of <10-cent payments to my account then disputed them, and more recently with a question about the new IRS 1099-K form).
It wasn't hard to find the number to call either. You log in, click on Contact Us, then Call Us. Two clicks and you have a phone number.
Using a real credit card (not debit) gets you a great deal of protection and is a better option than ever using PayPal.