Same thing has happened to me. Payment Option worked July 6, 2017 Did NOT WORK July 7, 2017. = Obviously, The Russians are at it again ! = Too bad the PayPal Customer Service no longer has a Chat Line. = I expect PayPal will correct this problem soon ? Is PayPal monitoring these posting ?
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PayPal balances do not earn interest for the account holder. If you want to earn interest, then transfer funds to an interest-bearing bank account. From User Agreement: "Any PayPal balance you hold represents an unsecured claim against PayPal and is not insured by the Federal Deposit Insurance Corporation (FDIC)."
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Of course you got scammed. It happens a lot for new sellers who don't check account details before shipping. It happens for buyers who don't take the time to learn about PayPal policies before trying to make a quick sale and a lot of money. Scammers know how to entice those sellers. It happens a lot for high priced high demand items, especially on Craig's list. Potential buyers send a fake screen shot or just text by spoofing a PayPal email address.
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Refunds are not instantaneous. Refunds to cards can take up to 30 days. As long as the refund is showing in your account and associated with the original payment transaction all is fine.
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