PayPal
Bank account charged instead of credit card, $23 overdraft fee

I recently made a purchase on PayPal, and my bank account was charged rather than the credit card I used at the time of the transaction. I had no intention of using my bank account for the transaction. The website accepted my credit card and informed me the transaction was accepted. Days later, I received notice of an overdraft charge on my bank account, which I will now have to resolve.

PayPal's website is MISLEADING. It gives no statement that their "policy" (which I discovered after the fact in conversation with their customer support) is to use the bank account even when a credit card is specified, unless some alternative webpage is used at the time of purchase to specify using a credit card. Perhaps this is clear to the PayPal employees and frequent users who have figured this out. But to first-time or infrequent users such as myself, it is opaque. For such an important decision as using a bank account versus a credit card, the decision path MUST BE OBVIOUS AT THE POINT OF PURCHASE. And it is not. This needs to be resolved by PayPal on their website.

And I want to have my $23 bank overdraft fee refunded by PayPal.

Company: PayPal
Country: USA
State: California
City: San Jose
Site: paypal.com

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