Hi Kimchi19,
Welcome to the PayPal community,
I am sorry to hear you are having such issues with this. If you are getting the error saying "sorry your bank wasn't able to verify your Card at this time" then I would recommend to reach out to your bank account. I understand that you have called them already but I would advise to call them again and ask to speak to the online authorisation department. The team will be able to view any online card denials and should be able to help you.
Also, if it is just one particular payment you are getting this error on I would suggest that you ask the person you are sending the payment to to send you a payment request instead. This can sometimes help.
Thanks for posting
Paula
... View more