I've been having this problem recently--paid for some items on Ebay, went out of town, paid for some more on my smart phone, and came home today to find a letter from my bank with two insufficient fund charges on my account. Can't wait to hear about the 3 other payments I sent out. What I think has happened for me is my old bank, Wachovia, did not charge a fee if a Paypal charge was denied and went on to backup funding via my credit card. Now that Wells Fargo switched me over this month as part of their merger with Wachovia, suddenly I am receiving letters saying I'm being charged $35 each time Paypal is denied. As soon as my pending charges are settled, I am SO removing my bank account from Paypal AND looking into a new bank if possible. I think what is new here for me is Wells Fargo charging a new type of fee that I have never encountered before. Can only imagine that it's the BANKS' way of finding a way to stick it to us with fees to pay back all of their TARP loans.
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