Complaint Review: Paypal

Paypal reversed charges and sent me a message 37 days after a transaction -

Recently we notified you that an unauthorized activity claim had been filed against a transaction you received. You have four more calendar days to respond to our request for additional information. After that, we will continue our investigation without your input.

As a reminder, we are currently investigating the following transaction:

Senders name: Shelly Mucha
Transaction ID: 72V66551VR324240G
Transaction date: Jan 20, 2012
Transaction amount: $146.00 USD
Your transaction ID: 0JF52783D4410601M
Case number: PP-001-668-887-205


I responded to Paypal and provided evidence - Shelley Mucha is committing chargeback fraud.  She borrowed money and asked to repay it with paypal.   Read her note on the transaction below "returned to you".  

Date:  1/20/2012 10:54:24 AM
Reference Number:  529EA-E8B05-14E31
Transaction type:  Transfer Sent To  
Name/Email:  smucha4life
Current Status:  Completed
Amount:  $146.28 USD
Purchase Type:  Other
Shipping Details:  Not Provided
Details (optional):  Let's Do $146.28 ok?

 The paypal transaction was from her IP address.  Below is an email received from Shelly Mucha on the 31st that says  "You recieved 146.00 dollars from me".

    PayPal details   
    Shelly Mucha sent you $146.00 USD Transaction ID: 0JF52783D4410601M
    
    Just thought you'd like to know Shelly Mucha sent you $146.00 USD. Note from Shelly Mucha:    returned to you.

From: Rachelle <smucha
Date: Tue, Jan 31, 2012 at 12:18 PM

You recieved 146.00 dollars from me on 01-20-12

Rachelle L. Mucha
11301 N 700 W Demotte, IN 46310
Phone Number(s): +1 (219)-789-4150  +1 (219) 987-5695
PayPal claim: Case ID #PP-001-668-887-205