Perhaps for future use...
a.) I listed a Credit Card as my PREFERRED method of payment in PayPal, so my PayPal charges got directly onto my CREDIT CARD - not deducted from PayPal $.
b.) I never use PayPal Friends & Family.
The benefits to me are:
a.) sellers do not have my Credit Card #, and
b.) my purchases are secured against most issues by my credit card company.
Good luck, I hope this issue eventuallt works out.

