In paypal you can link your paypal to your savings/checking account so when you buy something that is more than your paypal balance, it will automatically dip into your LINKED account. Thats how I got stung for $500, drained my paypal of the 180 and then dinged my savings for the other 320. Happened overnight and I didnt see it until noon the next day when I got a message from paypal saying "you paid *** $500 via paypal", wait...WHAT? I immediately logged into my paypal account and I was cleaned out. Then I looked at my bank account ans saw a -320. Bank didnt do **** as it was a "legitimate" transaction. Paypal fessed up saying I was hacked, accessed outside my IP address but paypal said it not their fault and the bank agreed. F me. And to poke the other eye, the $500 Nordstroms gift card I 'bought' was already used up, 4 hours prior to it even getting mailed to me per Nordstrom's fantastic gift card customer service (really). Even told me where it was used, Connecticut! The card was mailed from Glandale, CA. The card numbers were used electronically over the internet to buy something at a mall and then the item was picked up. Seller must have bought the cards in Glendale (again, Norsdtrom's records) at noon on a thursday at 1100 PST, the items were purchased in Connecticut 1500 east coast time, and them mailed to me with a time stamp at 1645 PST. I had this guy by the nuts with all this data in writing from Nordstroms but court fees and the time it would take me to subpoena him to small claims court in Glendale and then collections (he'd never just pay me) would have cost me the same amount. Live and learn. Hopefully my loss is everyone here's gain.