I've been a member of PayPal for 7 years but never used it until 12 days ago when I decided to purchase summer clothes that totalled 79 dollars. I had transferred 110 dollars to my paypal acct. and you could see that it was there. I have a visa but it's a loadable one and I thought the whole purpose of PayPal was the convenience of using money from the bank. I am on gov pensions and all my money goes directly into the bank. So when I'm sick, I can't really jump and go load my visa card and THEN make online purchases. This is the whole reason I started back on paypal. Also it says "you don't need a balance to use paypal" This is another issue I had....everytime I tried to make a purchase, paypal would decline it....ask for another option payment and it would literally take me 8 to 12 hours at a time to try to make 5 small itty bitty eBay purchases. Never mind, paypal ALSO didn't accept spotify either!! I called PayPal 4 times spoke to 4 different individuals in different areas of the world and all they did is drive me crazy....all different answers all trying to convince me that I was making the mistakes....92 minutes on the phone....and then 53 minutes etc....wasting all my time. So after all this after 2 days, things and charges and returns on ALL my items happened at the bank. Total charges at first were 162 dollars for 4 returned items totalling 28 dollars. I made an appt at the bank, talked to the manager, he opened my acct up and looked at the screen and from the time I left my house and got to the bank, my charges were up to 360 dollars. For items totalling 78 dollars....when I HAD 110 dollars in my paypal acct!!!!! The manager was gracious, encouraged and warned me to close paypal, I signed documents to have every paypal transaction stopped and he returned the 360 dollars!! PayPal said it wasn't their fault. My query is, all the items have been shipped....what should I do?
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