I have a PayPal Credit account. I have made repayments every month since I opened the account via direct debit. I have never had a problem. Unfortunately, this month I was charged a fee because my direct debit was returned. My PayPal account shows that the normal payment was debited from my bank account, but that it was “Returned” shortly after. My bank account is always in credit, I don’t have an overdraft. There is no way that the payment could have been declined due to lack of funds. I have generally found the PayPal Credit system to be extremely confusing. I did manage to find some information about this returned payment, and it appears that the direct debit arrangement is with an account that has never existed. The last four digits are all that are available to me, those four digits could belong to a card number or an account number. They do not belong to any card or account of mine.
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