I used Pay in 4 loan to purchase an item and it was delivered. About 9 days after the order, the merchant sent me a paypal invoice requesting the full amount. I was not able to dispute the invoice but PayPal customer service said I had to resolve with the merchant. I emailed the merchant and they advised that the card information used declined (which PayPal confirmed that the card used from their bank initially declined but then the full purchase went through 4 days later). When I emailed the merchant with this information they still insisted a balance was owed to them. When I log into my PayPal account the invoice still shows up and PayPal will not allow me to dispute it or remove it. I’m worried that this merchant will take legal action, and PayPal will not contact the merchant. Has this happened to anyone?