Ian Lundberg	:	I recently made a purchase through PayPal with a credit card, the credit card declined it so PayPal charged it to my bank account, WITHOUT MY PERIMISSION, so now I got an NSF fee on my bank account for something I did not approve, because I did not have enough funds in my checking account. I would like to remove the bank account so this does not happen again, and I would like a refund for the full amount of 64.94$
Ian Lundberg	:	64.19$*
Chayla	:	Thank you so much for choosing PayPal Live Chat, My name is Chayla, How may I assist you today?
Ian Lundberg	:	I typed the message above but I can repeat it if you want lol
Chayla	:
Thank you for your information, Give me just a few minutes please to review this further for you.
Ian Lundberg	:	Okay thank you
Chayla	:
Thank you so much for waiting, After further review I see that your digital river payment was denied when we tried to pull the funds from your credit card. That is why we had to go to your back up bank as your funding source for that payment. I do apologize but we can not refund that payment you will either need to dispute that payment or contact digital river to refund that payment.
Ian Lundberg	:	Okay, that's fine. But I would like the bank account remove.
Ian Lundberg	:	It won't let me do it.
Ian Lundberg	:	It keeps saying "Unable to process your request try again later"
Chayla	:
I do apologize but we can not remove that bank account until that bank account fail our 2nd attempt to get your funds.
Ian Lundberg	:	Can you get the funds from a different source?
Ian Lundberg	:	A different credit card?
Ian Lundberg	:	I don't have the money in the account for you to take lmao
Chayla	:
We can not, That payment has to fail then we can take it from your PayPal account balance. We have already had to use one back up funding source we can not use another.
Ian Lundberg	:	If it fails, I will get charged a 35$ NSF fee again
Chayla	:
You may, If you would like to get in front of this you will need to contact your bank to issue a stop payment.
Ian Lundberg	:	Show me where it says you guys have the right to just decide to charge my bank account if a payment fails?
Ian Lundberg	:	Because I find it highly unlikely that is legal
Chayla	:
You will see that in the billing agreement.
Ian Lundberg	:	Why not just decline the charge?
Ian Lundberg	:	Can you send me these chat logs in an email?
Chayla	:
Because with you adding multiple funding sources on your account we us your back up if a payment does not process.
Chayla	:
Also, Yes.
Ian Lundberg	:	Thank you
Chayla	:
At the end of this chat.
Chayla	:
Our program will ask you if you would like a transcript
Chayla	:
You will click yes, Then one will be emailed to you.
Ian Lundberg	:	I realize it's not your fault, you're just doing your job.
Ian Lundberg	:	But anyways, thanks for help lol
Ian Lundberg	:	I guess that's all that can be done
Chayla	:
Yes, It was my pleasure to help with that information!
Chayla	:
May I assist you with anything else in your account today?
Ian Lundberg	:	Nope, that's it!
Chayla	:
Thank you so much for being a valued PayPal customer! Also, Thank you again for chatting today with me. Since there are not anymore questions and you want to close this chat, Please click on the blue X at the top right hand corner Have a beautiful day!
Ian Lundberg	:	You too! Have a great day