I got scammed on Instagram when I was in the hospital getting chemotherapy.

It was christmas time, and I got an ad for a cool looking steam punk keyboard. I ordered it for my kid who had recently got into PC gaming. It was only $60, and when it didn't come I checked my bank and credit card and didn't see any charges, so I assumed that I didn't actually finish the order. Until almost a year later when I realized I paid with paypal, and they used funds I had sitting in there for some reason. By then it was too late to challenge.