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My paypal debit card was declined not enough money. Why won't paypal return my money to me.

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My paypal debit card was declined not enough money. Why won't paypal return my money to me.

Its been 29 days and paypal won't return my money on a pending case. I paid for the item with my charge card. I sent the receipt from the doctors office showing the item was paid for and they still won't give me my money back.  Paypal rules state after 5 days the money should be returned and its 29 days and it still says pending. What do I do?