UPDATE: I decided to call Paypal today on the phone. Got a really nice customer service rep. He not only listened to me attentively, but spoke to his supervisor and got authorization to refund the entire amount! Knowing that I intended to close my account, he suggested that if I closed the Paypal debit card, I could downgrade my business account to a personal account. So I did that. And now my family and friends can send me money and i won't have to pay a fee. It's all about finding the right person on the other side of the phone call. I am very happy and thankful. I have been with Paypal for many, man years, in excellent standing. He said that his boss noticed that and it was the reason why the refund was authorized. Thank you, Paypal! I like it when a company is fair to loyal customers!
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