Quote:
Originally Posted by JSWolf
You did jump the gun by reporting the incident to PayPal.
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Wasn't me in the transaction.

Regardless, I disagree with you on this. BoB violated all common credit card (VISA, MC, Amex) terms and, as I mentioned above, the actual law, and therefore should (IMHO) be immediately reported.
If their action was defensible, they have no more to fear in the long run than the OP whose money was, at least temporarily, seized.