Welcome everyone! Thanks for visiting PayPal's Community Forum. I'm sorry to hear a recent payment hasn't gone quite as you had expected.
@BluetheNerd, here's a Help Center article on What you should do if your balance is negative. If you're looking to resolve the negative balance by the end of this month, you should be good to go. However, you're welcome to reach out to our Customer Support teams if you have any other questions. I hope that helps!
@Temp20230828d, that certainly sounds like a complex and very frustrating situation. Normally, if a transaction starts with a debit or credit card as it's funding source, and we receive a decline from that source, the transaction is declined.
However, if it starts with a bank account, and we receive a decline from the bank, PayPal will try the backup funding source, which in your case sounds like it was the AMEX. Then, if the AMEX was declined, we may have attempted your bank again before taking your PayPal balance negative - however we would never have touched your PayPal Credit in that transaction since it would not have been an authorized backup funding source. Perhaps your negative balance was resolved on the next transaction which may have been charged by your PayPal Credit? If you would like, our Customer Support can review the timeline with you. Unfortunately, yes, it is correct we do not reimburse NSF fees in these situations.
My apologies for any inconvenience this may have caused to you both. Best wishes on your future transactions with PayPal!
- Jon K
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