I quit worrying about it being my fault a long time ago. My stock response is, "Yes, dear, and how are you going to fix it?" This usually stops the blame game.
I think I'd be telling son of yours that he opened the account, he was responsible for the account and he owes YOU for the amount taken out of your savings. If he had honestly gone to the credit union to stop the PayPal withdrawal, they would have told him they couldn't do it. PayPal has to stop it. So, he needed to contact PayPal. PayPal, in turn, would have told him to contact whomever was actually receiving the money. Obviously, a lot of work for $5 a month, no matter how much it ultimately adds up to.
Of course it is easier to blame you than take responsibility for his own actions, also cheaper. If it's your fault he doesn't have to pay you back for what you are honestly owed.
As to the rollover story, I'd chalk that up more to over-exaggeration than flat out lying. A simply roll in the ditch isn't half as exciting as rolling over in the ditch.
