I don't have a direct solution to offer you for the problem you've encountered, but I do know that you can approach any of your banks associates to ask them about stopping Non-Sufficient Fund transactions from being approved. You can put a stop to any future problems from PayPal, Ebay, or other company that tries to charge your account when you don't have the money there. It's one of the ways banks make money, but I believe it's your right to choose whether or not they allow it on your particular account. Goodluck.
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