I am having the exact same problem. I was using my PayPal just fine with my confirmed bank account, mainly on Xbox Live. Suddenly, last week, it stopped working. I can't purchase anything on Xbox Live anymore and it asks me for a Credit Card when I try to renew my Netflix membership, which was auto-renewing through my bank account for months before this just fine. I searched for answers to this problem for awhile and didn't find jack.
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