Am I the only one?

[2thepoint3]

Out of the blue without warning after midnight I get an email that I made close to a 300 payment through paypal directly from my bank account. This is crazy. It would be nice to have a heads up I did get a bill first or a notification they just took close to 3 bills straight from my account. Don't they send you an email for the charges in advance because i don't believe i received one?

Am I the only one this is happening too? I don't remember them doing this to me in the past.

Thank you,

Drew

[myjunqueyourtreasure]

Was this for ebay fees?

Did you update your PayPal account since they brought in the new Cash & Cash Plus account thing?

[mam98031]

Who is "they"?  Are you talking about EBay?

If this is for Ebay fees, Ebay does send an email notification that your invoice is ready.  And you have to set up in Ebay how you want to pay for your fees each month.  So if you have it set up to pull from you PP account and you didn't have enough money in your PP account, that may be why they went to your bank account for the fund.

But I'm guessing.  Please provide more details so we can help you better.

[slati_2013]

Of course you got a "warning". It is payment for your eBay fees. You were sent an email earlier stating how much you owed for the previous month. Payment was taken out as usual around the middle of the month.

You have set up PayPal or your bank account as your automatic payment option and the money is taken straight out of there. If you used PayPal and there is not enough money in your account, the rest will come from your bank account. 

[lja440]

Who is "they"?

Ugg, My mother-in-law does this all the time. She constantly goes off on a tangent rattling on about "she", "he" ...l I have no idea who the heck she is talking about. And the way she talks it could be several minutes before I can break in and ask her who the heck she is talking about.

[johnrj1226]

1.  Once  you backed up for PayPal Account with a checking account you  gave PayPal the permission to  withdraw fund from your checking account it  you did not  have enough $$ in your PayPal account. 

2.  No, my  bank nor PayPal  does not  send me a pending  notification that $  will be taken out of account  for any amount of money. 

3. eBay does send  each member an advanced notification (an invoice for  store subscriptions, listing fees, FVF etc.) around the  15th of each month and those funds  are taken out of our PayPal account around the first of the next month (generally while you are sleeping).  Been that  way ever since I've been selling -

4. Just had a $615 worth of auto maintenance, oil /filter change, trans flush, brakes replaced/disc  resurfaced.   Gave the  shop my card & bang they took the  $ out  of our account in a New York minute as I gave them  the permission to do so when I entered my PIN. 

5.  But we know on any  given day how much  we have available to spend after all reoccurring monthly  bills are paid.  Just  hate  the thought of  "rubber checks" * and NSF  charges. 

* We  write about 1 or 2  paper checks a year.

[lja440]

Me, I won't have a debit card. I had a friend whos Ex boyfriend when he left drained her account. The court couldn't do anything because she had given him her PIN. (he took close to $5000 causing her to lose her car and go very late on her house payments before the bank ruled on giving her some of money back).

I pay almost everything with my CCs and then pay the card off every month so I don't get charged interest. Bonus is two cards have 1.5% cash back and the other is 1% with certain items 5% cash back. 

[johnrj1226]

@lja440 

Understand that.  But  that is what happens when people are in lust & think they  have meet their Prince Charming or Princess Charming and do foolish things & do nothing  (legal wise) to protect  themselves.  Life is full of cons always have been and always will be.  But married folks play by stricter rules from a legal standpoint & the rules can vary  from state to state but they  still can  & do play games.

Watch Judge Judy for some  great  examples of  both situations.

[ittybitnot]

Am I the only one this is happening too?

No, you are not.   PayPal made some changes recently that require you to "update" your account. 

This is free, and basically a verification issue. 

If you don't do that, you will no longer be able to use your PayPal balance to make purchases, pay for shipping, send invoices,  etc.   If you have some things on auto-pay, etc. the payment will be coming from your checking account on file. 

Log into PayPal and see if that may be your issue.  Let us know what you find out! 

[soh.maryl]

This is an ongoing burr under my saddle also.  Co-workers:  "They say that  . . . " Who is they? And they hate it when you ask that question.

[ittybitnot]

And they hate it when you ask that question.

Who is "they" ?   Sorry, couldn't help myself. 

[mam98031]

---

@lja440 wrote:

Me, I won't have a debit card. I had a friend whos Ex boyfriend when he left drained her account. The court couldn't do anything because she had given him her PIN. (he took close to $5000 causing her to lose her car and go very late on her house payments before the bank ruled on giving her some of money back).

I pay almost everything with my CCs and then pay the card off every month so I don't get charged interest. Bonus is two cards have 1.5% cash back and the other is 1% with certain items 5% cash back. 

---

I'm of the same mind.  I do not use or carry a Debit Card.  They do not offer the same protections as a Credit Card does.  I'll stick with my CCs and get my cash back bonus.  I collect them all year, it is my little Christmas fund.  

But you have to be disciplined enough so you don't get into CC debt or trouble.  I have a card that has the largest cash back bonuses and I use that for everything I purchase throughout the month.  Then I pay it off every month so as not to create debt I don't want.  I've done this for years and it works very well for me.

[lja440]

---

@johnrj1226 wrote:

@lja440 

Understand that.  But  that is what happens when people are in lust & think they  have meet their Prince Charming or Princess Charming and do foolish things & do nothing  (legal wise) to protect  themselves.  Life is full of cons always have been and always will be.  But married folks play by stricter rules from a legal standpoint & the rules can vary  from state to state but they  still can  & do play games.

Watch Judge Judy for some  great  examples of  both situations.

---

Yeah, bit in this case the only time she gave him her card and PIN was when she was sick and he went in to pick up a prescription while she waited in the car. She wasn't flippant with her PIN, but she should have changed it after he had used it.

[lja440]

Yes CC debt is easy to rack up. 

Next week I am going to buy a new washer and dryer, The motherboard went out on my dryer and it is 10 years old, will cost just about as much to repair as to replace. The 4th of July sales will hit just before the 5% cash back will go off on home improvement stores. The washer (also 10 years old) still works fine will go up to the farmhouse to replace the ancient one up there for my cousins daughter to use so they don't have to go to the laundromat.  (no hook-ups in their tiny apartment. A bit inconvenient but I've been managing, washing clothes here then running them up to the farmhouse to use the dryer there.

I figure this will save me several hundred dollars as  I'll just be paying it off in full the following week.