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Paypal here used to be partnered with a bank and they have some dealings, but when I talked to them because I was concerned about an event that occurred, from what I could tell, I had no recourse open to me if someone made fraudulent purchases. The credit card that was on the account had expired. So far as I could tell my credit union didn't even know the answer to the question because I had given permission for charges from paypal.
That's part of the problem. Many retailers/bankers/whatever don't HAVE a plan for being hacked. They create one AFTER it happens.
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