I am unsure of what to do here. My bank account is the primary with PayPal. I initiated a transaction and received notice from PayPal that if my bank account did not have sufficient funds to cover the transactions, it would use the backup credit card to pay the balance. As a result of this assurance, I chose to not add $15 to my bank account, which would have made the bank account balance sufficient to cover the entire transaction. Unfortunately, PayPal tried charging the entire amount to my bank account, and when it found insufficient funds, PayPal did not use the monies there and then go to my credit card to fund the balance, as the notice to me said it would. This caused my bank balance to be overdrawn and I received an overdrawn account fee. PayPal tried the bank account again and I received another overdrawn account fee. The entire transaction was $41 and I have bank fees in the amount of $40. PayPal said the only thing it can do is draft a letter to my bank asking that the fees be reversed. PayPal also said that because the system is automatic, it could not stop the attempt to get funds from my bank account and also it did not have the tech sophistication to figure out the amount I had in my bank account and then use the backup credit card for the balance...even though that was what the notice from PayPal said it would do. PayPal refused to refund the overdrawn amounts (the bank fees) and put me on hold for several minutes after I asked for a supervisor. Also, when speaking with Pele, the first person with whom I spoke at PayPal, no matter what my question was, his response was to not answer my question, but to repeat himself over and over and over and over. Has anyone else had this experience? Has anyone ever resolved this type of dispute, or one substantially similar, with PayPal? Any ideas as to with whom I need to speak regarding this? Anyone have their legal counsel contact information? Any other ideas? I am extremely frustrated that PayPal stated it would do one thing and yet it did not do what it said it was going to do. Thanks, edsager
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