I recently placed an order through an online vendor who accepted PayPal. When I was asked to verify, I could not find the pay options. Granted, I should have just canceled the order, but I thought I could just go over to PayPal and change the funding source.
Well, when I went to PayPal it would not let me change the funding source. This was very important since I knew that the bank account it was tied to only had $7.77 in it and the payment would "bounce." I contacted PayPal and their agent assured me that PayPal would only take out what was in the bank account and then take the remainder from my credit card. He said he was sorry but that they could not change the primary source, even though I asked.
I did not feel good about this, so I sent an email to the company I purchased the product from, asking them to cancel the order. They didn't. All of this took place within 10 minutes of placing the order.
To make a long story short, they submitted the whole $47.00 and the bank went ahead and paid it, then billed me $28.00 for insufficient funds. I know, I am stupid for taking their word. I should have asked the agent how they were going to know how much was in the account. But the way he talked, he sounded like he knew what he was saying.
What makes the whole matter worse is that PayPal refuses to look into the matter and then has the gall to say they value customers and to please call them before I cancel my account. Why? So they can tell me they are sorry? Fat chance!
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