the message is on planetfeedback. under shared letters for citigroup. the message is dated 6/26. from what she says i believe citibanks dispute department has tried to get her money back for her but can't because of that paragraph in paypals terms and conditions. I have a reply to her message on their stating what the paragraph says (if you need to read it) will someone who knows something about credit card disputes please reply to her message on planetfeedback. I dont know if anyone can help her at all. but at least try please.