Dear Japheth Campbell,
Thank you for contacting PayPal Debit Card. My name is Bobbi, and I understand you have a question regarding a PayPal Debit MasterCard® transaction to <snip>. I can help explain further today.
Once a transaction has completed with a specific bank for the back up there is not a way to change the funding source, but I can explain how to resolve this issue today. For each debit card transaction our system will try to go to the back up two times to receive the funds, if by the second time we do not receive the funds we will simply deduct the amount out of your PayPal balance. If you have a balance at the time to cover this you will not need to do any additional steps, if at the time the funds come back and causes your balance to go negative you can then select a different funding source to resolve it. I can assure you if your balance does go negative PayPal will not charge any additional fees, we will just ask that the funds are paid by a different funding source. I also see that you have updated your back up for the debit card to your <snip> Bank, so now any future charges you make will go there instead of
the <snip> Bank. If you have any further questions don't hesitate to contact us and have a great day!
Thank you again for your contact. I am glad I was able to help resolve your inquiry about your PayPal Debit MasterCard® transaction. If you have more questions, visit our Help Center by clicking "Help" in the top right corner of any PayPal page.
PayPal Debit Card Team
My response back:
You resolved nothing today. You are going to attempt to charge my <snip> account two more times and each time I am going to be charged a $33 overdraft fee. Because of your refusal, or at least surprising inability, to stop the next two attempts, I am going to be charged a total of $99 by my bank. In the end you will take the amount from the $250 balance I currently have in my PayPal account, but the total cost to me will be $123.99 ($24.99 transaction plus the $99 in overdrafts fees). You need to change your policies to accommodate your customers.