Hi Jadeykinz_1824,
Thank you for posting and welcome to the Community Forum!
Please don’t worry, let me explain the process.
When your buyer opens a claim against you when you have already withdrew the money to your bank account, your account will go negative.
However if you will issue the buyer with a refund, the money will be taken from the held funds. Only one refund can be issued for any transaction.
If need any further assistance, we also provide support via Social Media (24/7). You can contact us directly on Twitter @AskPayPal or on Facebook at https://www.facebook.com/PayPalUK.
Hope it helps.
Anna
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