What it says on the tin. I was broke, borrowed money from a friend via Paypal, transferred THAT full amount to my Dad to put into our joint chequing account so I could buy groceries until payday. The stated amount available in my account was $19.62, so that's exactly the amount I sent. Instead of defaulting to my Paypal balance as expected, they apparently attempted to draw money from my now-empty bank account. So I got hit with a $45 NSF fee, my Dad has the $19.62 in his paypal balance, I still have (now with today's exchange rate) $19.70 in MY balance and PayPal will get a notification from the bank that they have no funds to release to them. So what happens when PayPal finds out the bank isn't paying? I'll leave my balance here (hopefully the exchange doesn't drop the value to $19.61 or less between now and then) so they can withdraw from my existing (and sufficient) balance. Hopefully I don't get a bunch of restrictions on my account over a fraction of a penny being rounded down or whatever happened. Did the exchange rate actually change by a fraction of a penny in the time it took to type in the numbers transfer my full balance and hitting Submit? Is that why they ignored my balance and chose my alternate source? I know I should have double-checked to make absolutely certain they were drawing from my Paypal account, that's really my responsibility I suppose, but I've never sent more money than I had on hand so that's never been something I've had to watch out for in the past. Force of habit, I guess. If absolutely necessary, I'm sure my dad would return the amount transferred, but that amount is already in -my- account anyhow. So, anyway, what happens now?
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