I´m quite happy with my paypal account and have no trouble. Charges you have with your bank too, nobody works for nothing.
Yep, happened to me a few weeks ago, but I guess that's the cost of doing business. I have heard that Paypal will be implementing a new system soon that will limit the amount of disputes opened, if you're a person who likes to charge back a lot you're account can be shut down.
This seems really ridiculous and just waste of your time and resources. if you delete one account and create another with same financial details then PayPal can easily traced you.
One of the many reasons I refuse to use Paypal anymore. It's junk. There are much much better payment processing options out there, with much lower fees as well.