Hello,
I've been a Paypal and eBay user for around (20) years so I'm pretty experienced with both. Prior to making a purchase via Paypal's Billing Agreement, I always make sure to specify which credit card I plan to use if my primary source is not sufficient. For example:
Primary Funding Source
PayPal Balance What's this?
Backup Funding Source
MasterCard Credit Card XXXX-XXXX-XXXX-XXXX
In my case, I have a total of (6) credit cards on my account, (5) of which had enough funds to cover my two transactions. Unfortunately or perhaps deliberately, Paypal chose to completely ignore my designated Backup Funding Source as well as the (4) other funding sources with sufficient balance and instead went directly to the one card without enough money. This mysterious decision to bypass the designated source plus the (4) others caused me to incur two $35 overdrafts today and another (2) pending $35 overdrafts for a grand total of $140.
As a (20) year customer, I'm certainly upset and baffled at the same time. I've contacted my bank to dispute the (2) incorrectly charged transactions, and I've filed Paypal claims for resolution. As you might have noticed, there is no specific Paypal complaint regarding them using the wrong payment source. I also contacted my backup funding source and they've confirmed the following:
1.) I had enough money to cover both transactions.
2.) Paypal never tried in the first place to charge the money, they just willfully ignored my designation.
Please let me know if anyone else has experienced this same issue and how you resolved it. Of course the billing agreement states that Paypal has the right to use other funding sources if the backup is denied. In my case this is moot as I explained above, not to mention ignoring the other (4) funding sources.
Thank you
