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buyer protection request and failed payment

ZQ2
Contributor
Contributor

buyer protection request and failed payment

I have issued a payment with my bank account through paypal in 11st Jan 2020, but I just found that's possibly a fraud so I request a buyer protection and transfer the money away from my bank account at the same time, in that way my bank will refuse this payment. As the seller probably will not respond to my buyer protection request, it may take some days before it could be escalated by Paypal (at least untile 18th jan). And I guess as that payment will be failed or declined cause insufficient funds in bank account, my question is what's next before the buyer protection request could be resovled, will that payment just be declined or cancelled (which I hope so), or that fail payment will influence my paypal account and charge me for overdraft fee?