What is a person to do now?

United States
December 16, 2010 5:59am CST
I went to the bank to find out what happened and they showed me where I went to three stores and they used credit instead of debit. So,when it showed me I had avalable funds it was not avalable because money was pending. I saw myself in my head as I laid awake at 5am losing it. I called paypal to ask them to stop putting this payment of 11.95 and $7.99 in my account since I hade 15 in my account they said there was nothing they could do. The bank tried to help me but there was nothing they could do. I have no idea how to talk to my landlord being I just moved in. What am I going to do? I have two months to pay this I can only use my food money. I can eat oatmeal and water what is my daughter going to eat. I will be closing my paypal after this so I know it will never happen again. I think this is when I need prayer.. RETURNED ITEM FEE FOR AN UNPAID $7.99 ITEM - DETAILS: PAYPAL INST XFER 5HJ224LLXUUCW WEB ID: PAYPALSI66 $34.00 ($525.90) 12/15/2010 Misc. Debit RETURNED ITEM FEE FOR AN UNPAID $11.75 ITEM - DETAILS: PAYPAL INST XFER 5HJ224LLYYEP8 WEB ID: PAYPALSI66 $34.00 ($491.90) 12/14/2010 Misc. Debit RETURNED ITEM FEE FOR AN UNPAID $0.92 ITEM - DETAILS: PAYPAL INST XFER 5HJ224LKV742J WEB ID: PAYPALSI66 $34.00 ($457.90) 12/14/2010 Misc. Debit RETURNED ITEM FEE FOR AN UNPAID $17.24 ITEM - DETAILS: PAYPAL INST XFER 5HJ224LKWRA8C WEB ID: PAYPALSI66 $34.00 ($423.90) 12/13/2010 Misc. Debit EXTENDED OVERDRAFT FEE $15.00 ($389.90) 12/08/2010 Misc. Debit RETURNED ITEM FEE FOR AN UNPAID $7.99 ITEM - DETAILS: PAYPAL INST XFER 5HJ224LLXUUCW WEB ID: PAYPALSI66 $34.00 ($374.90) 12/08/2010 Misc. Debit RETURNED ITEM FEE FOR AN UNPAID $11.75 ITEM - DETAILS: PAYPAL INST XFER 5HJ224LLYYEP8 WEB ID: PAYPALSI66 $34.00 ($340.90) 12/07/2010 Misc. Debit INSUFFICIENT FUNDS FEE FOR A $17.38 CARD PURCHASE - DETAILS: 1206PAYPAL *THEIAMOONFA 402-935-7733 CA 04207670051232604 $34.00 ($306.90) 12/07/2010 Misc. Debit INSUFFICIENT FUNDS FEE FOR A $25.00 CARD PURCHASE - DETAILS: 1206PAYPAL *HORSESAEW 402-935-7733 CA 04207670051232604 $34.00 ($272.90) 12/07/2010 Misc. Debit INSUFFICIENT FUNDS FEE FOR A $10.89 CARD PURCHASE - DETAILS: 1205PRETTY GIRL BROOKLYN NY 04207670051232604 $34.00 ($238.90) 12/07/2010 Debit Card Transaction PAYPAL *THEIAMOONFA 402- 12/06PAYPAL *T $
9 responses
@CatGods (4599)
• United States
16 Dec 10
So are you saying that people bought items from you and paid you with paypal and they didn't have enough money to pay you to begin with so paypal took the money back out of your paypal account because the buyer had insufficient funds? Is this what happened?
• United States
16 Dec 10
No I went to three stores using my debit card and said debit they used checking and what said available in my account was not right. So I went to ebay and bought things and those items were what over drafted my account because the bank had available funds that were not available.
@CatGods (4599)
• United States
16 Dec 10
ok. I understand now. I have taken another look at your post and I think you are saying that you have like 200 or 300 in overdraft fees or is the top number correct, just over 500 in over draft fees. I truly feel sorry for you and I would love to help. The best I can do right now is spread the word about your fantastic purses. Could you PM me the link to your new store?. I know how money can be tight. I just over having a virus for 14 days and all that time I didn't work at all. Plus being that I work for me, I have no paid sick days. But I will be ok, I'm a tough cookie.
• United States
17 Dec 10
I got a message today from paypal and they took the few dollars I had in my account but I called them yesterday and asked why they could not do that before and kept going to my bank account. I gave them a piece of my mind in email though thanks very much. I never thought of asking for this. I have a friend I will ask to pass out my link. Happy holiday's. http://www.blujay.com/item/Large-tote-bag-made-with-koolaid-jammers-6070100-2038086&keywords=koolaid%20bags
• United States
16 Dec 10
Oh gosh this is awful.. I believe from the other posts that you borrowed money from a friend to cover this. Wow, I understand what you are saying about closing your account but then how will you get your myLot earnings?? Sorry you are going through this, especially at a time when you need it the most.
• United States
17 Dec 10
No I did not borrow the money everyone I asked said no. My neighbor gave me a 14$ scratch card. She said she will see about giving me money when she gets her check. But,she said she does not want me to pay it back. could you give my link to some of your friends. Thanks http://www.blujay.com/item/Large-tote-bag-made-with-koolaid-jammers-6070100-2038086&keywords=koolaid%20bags
• United States
17 Dec 10
Absolutely and I am going to put them all in my sites and promote it in stumbleupon, delicious, twitter and facebook also.
@Thoroughrob (11771)
• United States
16 Dec 10
It sounds like the stores that did this have really gotten you into a pickle. I have no idea what you would do. Good luck at figuring it our. I have never had a debit card for fear something would happen.
• United States
17 Dec 10
This won't ever happen again. I am closing my paypal account and opening another one where they don't have my bank account number.
• United States
16 Dec 10
This sucks so much. This is why I am so careful when posting on ebay and with my account I have. I try to make sure I keep a certain amount in the bank at all times. I wish I was getting interest on my account but I am not. I will pray for you that things will start working out for the better. Money can come from unexpected places. Anyway let me know how you were doing and I hope things turn around.
• United States
17 Dec 10
I don't know right now I a just worrying about my lights right now. I have my rent covered, they gave me two months to pay it and still I am stressed.
@twoey68 (13662)
• United States
19 Dec 10
Banks are the same way...they love hitting ppl with all those overdraft fee's. We have a bank account that is just for internet stuff and I just keep change in it unless we are buying something or paying something then I put just that amount in it. Thankfully we haven't had any problems with it. [b]**AT PEACE WITHIN** ~~STAND STRONG IN YOUR BELIEFS~~[/b]
@dorannmwin (36608)
• United States
18 Dec 10
I actually don't so much think that this is a paypal issue as an issue with your bank. I know that with my bank, our charges (both used with the pin number and used as a credit card) will post as soon as the card is swiped at the point of service. We also opted to have overdraft protection on our checking account, but fortunately we've never had to take advantage of it. I think that the best thing that you can do is to get a new paypal account and also find a small bank to do your banking with and you might be able to work with them more easily.
@syoti20 (5296)
• Philippines
17 Dec 10
Why paypal could do something about this. I think the three stores should be blame on this. You should tell them your dilemma and what they have done because of their carelessness.
@celticeagle (112838)
• Boise, Idaho
17 Dec 10
What in the world happened there? I have had my PayPal account for over ten years now and never have been over drawn or had any problems with them. I get up in the three digits occasionally and I am very careful. I send most to my checking account or I use it to buy things online. I hate to see that insufficent funds things ever. Ugh!
@sid556 (31018)
• United States
16 Dec 10
My question is the same as Cats. I'm confused as to what actually happened here. Did you spend the money you thought you had and then they took it back out causing you over-draft fees? I didn't think that could happen with Paypal.