This is why I don't feel guilty about "stealing" money from PayPal. That is to say, someone overcharged me $100 once (don't remember the context, but I think it was a service or late payment fee - had already paid for the product) and took it out of PayPal. It was a one-time charge so I never expected PayPal to pay them whatever they charge after that, but they did. So I just cancelled my account. They harassed me for a few years and gave up.
Now I had opportunity to take even more from them but didn't. Years later my account (not being used) was stolen by what I assume were some Indian scammers. I got it back but the scammers had spent $3000 for something. Not only did their fraud team charge back the $3000 to zero the account - they accidentally added another $3000 to my balance and - since I told them to really close the account this time - sent me a check for $3000. I was tempted to spend it but didn't want them coming after me for that much so I just voided it. I called to tell PayPal but the rep didn't seem like he knew what he was doing so they probably still think they owe me money.
This has been going on for 20 years. It's not going to stop.
Seriously. I remember seeing articles like this 2003.
This is why I don't feel guilty about "stealing" money from PayPal. That is to say, someone overcharged me $100 once (don't remember the context, but I think it was a service or late payment fee - had already paid for the product) and took it out of PayPal. It was a one-time charge so I never expected PayPal to pay them whatever they charge after that, but they did. So I just cancelled my account. They harassed me for a few years and gave up.
Now I had opportunity to take even more from them but didn't. Years later my account (not being used) was stolen by what I assume were some Indian scammers. I got it back but the scammers had spent $3000 for something. Not only did their fraud team charge back the $3000 to zero the account - they accidentally added another $3000 to my balance and - since I told them to really close the account this time - sent me a check for $3000. I was tempted to spend it but didn't want them coming after me for that much so I just voided it. I called to tell PayPal but the rep didn't seem like he knew what he was doing so they probably still think they owe me money.