I purchased something using my bank account via Paypal, and as it is instant transfer, it was automatically accepted (plus I have a credit card backup). They took the entire amount from my bank account (did not take anything from my credit card), and my bank account had insufficient funds at the time (the transaction was reversed by my bank, and I was charged with a dishonour fee). I was going to pay with my credit card, but when I realised that I forgot to switch from bank payment to credit card it was already too late. The seller received the money and I now have a negative balance on Paypal ($-89.35). Because Paypal doesn't allow me to transfer funds from my credit card to fix the negative balance, I had to deposit money into my bank account to make the transfer. I deposited $100 on Thursday (25th Feb), and made the transfer later that day (it takes 3-5 working days to process). On that day, I also got a refund from an item I previous purchased, so the negative balance was -$82.10, so I entered $82.10 instead of $89.35. Today, I got an email from Paypal telling me that my transaction had failed due to insufficient funds. I called up my bank to check my transaction history, and it seems that Paypal had already gone and taken the $89.35 on Monday. I was then charged with another dishonour fee. My balance still shows $-82.10, and my Paypal account has no record whatsoever of them taking the $89.35 successfully (though my bank does). So I guess my question is: why? http://i191.photobucket.com/albums/z151/_______x/xpp.png ^ Image of my Paypal account/negative balance (probably not useful at all, actually)