Bonni, I'd love to know if that's PayPal's or Visa's definition of porn. :-) I mean, I know they have to draw the line somewhere, but really! Khai, PayPal actually takes your money in the guise of protecting you from fraud. They claim they are freezing your account because of suspected fraud or something like that. What are the cops going to do then? And you'd have to call the FBI, not the cops, because in most cases, it's outside the local jurisdiction. However, if you read the PayPalSucks.com site, they do say that hiring a lawyer is the best way to get your money back. Unfortunately, in most cases that costs more than PayPal took from you to begin with.