Not too long ago I was ordering something on ebay and intended to pay for it with my PayPal account. I was told the account was frozen and I couldn't use that account, nor would they let me put anything on a personal charge or debit card. I was furious because I thought they were telling me my credit was bad. They suggested I call PayPal and find out more information.
Apparently, PayPal was acting on my behalf by freezing my account. They informed me of an attempt to use my account by someone in another country. They were alerted somehow. We went through some security questions, changed the password, etc and they reinstated my account. I was so relieved they had discovered the fraud attempt before it happened.