So I screwed up...
See, what had happened was...

I went to buy some TP's this weekend with the bug sale, on $50 set. The store bugged after I made the purchase and gave me the red error message. Hit home. Error message. Went out of store, bck in, it worked. Tried to buy again. Same error. Was getting ****ed. Walked away for 5 mins. Came back. Did it again. Still errored. Logged.

Logged on a few hours later to find I had 20,000TPs... I had just spent $150 on TP's. Not smart for a married man. I can see it now, yes honey, I spend $15 a month on a game and I also spent another $150 in one hour. Yeah, this is going to go well! Anyone got a spot in their basement they want to rent out?

Anyway, as expected DDO customer service could not help.

I remember when FTP came out it was found to be more cost effective to buy the packs and such rather than stay subscribed. I just can't find a link. I already bought two expansion shared bank slots, FVS, and two character slots. How expensive could it be? The packs, the core shared bank, WF, Monk, and 8 slots? Gets me wondering...

Spoke to Turbine DDO support again and Eric there could not have been nicer, but said the same thing, they can't refund points in any way, although he did promise to have a manager call me in the next few days. Here is hoping Turbine steps up and helps me here! If not, Premium here I come...

for my own safety I am calling and removing my card from my account..

That's why you should try to use an actual card rather than Paypal.  You can call the CC company and refute the charges.  Turbine gets the chargeback and you don't have to pay the bill.

If you want to pass this on (or not.)

If Turbine won't reverse the charges due to a technical error on their end, they are in breach of contract with their agreement with the credit card company. The card company will reverse the charges in a heartbeat if the OP explains the situation and asks them to.  They shouldn't legitimately be able to take any adverse action against his account, since it's not for subscription fees, however, technically they could involve the sandbox rule (you know... "It's my sandbox, play the way I say, or get out."), and it wouldn't be worth his time or $$ to sue them. He could however contest every charge ever made to them if they tried to do so. Success is less guarenteed, but fairly likely.

there are also test credit card numbers that can be entered, acknowledged as 'ok'' but will be refused charges.

That's just hearsay.  I'm not going to believe that you were annoyed by Gunga until I hear both sides of the story.