I feel your frustration JohninOttawa. I am looking back on three months of CC statements. I always choose to have my CC handle the exchange when paying on my iPhone app (yes I see the option MOST times). Out of 24 transactions 12 they went ahead and applied exchange after I choose to have my CC handle it. A 50% error rate is beyond deplorable. I won't do the math on what it cost me since it's clear PayPal won't make right their errors and it will enrage me further. Time to find... ANY other WAY than using PayPal to PAY. Go ahead and use my jingle PayPal I will only charge you an un-agreed on amount for the privilege.
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