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If you have failed bank transfer then Paypal automatically keep trying to access those funds to clear your negative balance.
They have already fronted the payment to the seller on your behalf and so want the money owed.
If you sent a bank transfer to your Paypal account OR paid via your card but at the same time Paypal also automatically applied for the funds from your bank or back up card then you would have 2 payments processing to your paypal balance.
The first one to arrive will clear the negative balance and the second one will be credited as a + to your balance and you can withdraw it back to your balance once cleared.