For security I use a separate account just for PayPal purchases. Unfortunately I made a purchase and thought that I had sufficient funds in my bank account (as there was a delay in a prior transaction posting on my bank account). I received a message on Nov 13 advising that there was insufficient funds in my account and that there was a negative balance on my PayPal account. Understandably I had a NSF charge by my bank. On the same day I received the email from PayPal advising of the negative balance, I sent PayPal the money via the PayPal money transfer to clear the negative balance.
Then on Nov 14 PayPal attempted to withdraw the same debit amount (even though I had already sent them the money and it was on hold with them for processing. PayPal must have noticed that they MADE A MISTAKE as my account did not have a negative balance so they credited their withdrawal back to my bank account - HOWEVER I was hit with another $48 NSF charge and a $0.43 overdraft interest charge!!!!! I realize it takes time for them to process the payment that I sent them however surely they have the technical capabilities and intelligence to check for pending credits before they take money out of someone's account. PayPal, I am NOT IMPRESSED.
PayPal should NOT have taken the money out of my account as I already sent it to them - they owe me the NSF charge and overdraft charge.... and an apology!! I tried to contact PayPal using their Contact Us online ... but it kept asking for merchant info and transaction IDs... but the issue is them, no a merchant!
