(it saved before I completed the post... still not finished, OK
finished now)
Paypal angst
Get an Email from PAYPAL stating:
Reversal: Insufficient Funds in Bank AccountHave ~$600 in the account linked to PAYPAL and the Transaction Amount was only $5.34 CAD, so here I am thinking about that Ebay password debacle and somehow the culprits figured out my PAYPAL password from my Ebay password ...
First things first, check my bank account....money is still there...WFT?
Go to Paypal, wtf is my password again?, just changed it and I can't get in, where's that piece of paper I wrote iterations of the password on at? OK found it, log on...
Transaction Date: Apr 26, 2014 (bank balance on primary account then was $149.87)
Pay After Delivery add funds from my primary account on May 17, 2014
failed (primary account balance that day $574.20)
why t F do they need to add funds ($5.34 CAD) from my primary account when I've got funds enough in my PAYPAL account?
Total balance (all currencies, available and pending) converted to USD: $16.02 USDSo I look more closely at the transaction, it shows they tried to transfer money from the previous bank account (President's Choice), not the primary confirmed bank account (Bank of Nova Scotia).
So that means an NSF ($45 non sufficient funds bank charge) for that transaction because Paypal used the previous bank account to pay for the transaction rather than the Primary confirmed.
I have not changed anything relating to my bank accounts on Paypal for years, Paypal just used my old account out of the blue. So if you switch accounts to point at an acount with sufficient funds, it may just randomly pick the account that hasn't got sufficient funds, and you're stuck with the bank NSF and the Paypal NSF. What is the point of PRIMARY if it's random?
So now I look at my Emails and there's two more transactions that will go through for Pay After Delivery, one on May 24 for $31.55 CAD and another today for $4.46 CAD, so 2 more NSF of $45 each, plus the Paypal NSF charges.
I don't think I want to pay $270 worth of NSFs on account of a PAYPAL glitch (for $40 worth of merchandise).
Called PAYPAL, they wanted to blame me because I didn't read the "The money will be withdrawn from your president's choice financial Chequing (Confirmed) x-yyyy account. The payment will show on your bank statement as a PayPal purchase." in the Email. She said Paypal can't stop the other two transactions.
I told them I changed NOTHING in my account and it still shows that my primary account is what I expect it to be, my last payment from my Primary account was on May 15, 2014. The FUCK UP happened at PAYPAL after that date or has something to do with how Pay Later sets up the transactions which would have happened in April.
Note to self, delete all bank accounts and credit cards I do not want PAYPAL to use inadvertently and turn off the Pay after delivery option, it just complicates things.
BNS has been my primary for years, haven't been to this page for years, yet PAYPAL used President's Choice as the bank account to transfer from when it's not even the PRIMARY.