I just went through the exact same crap with my bank. Luckly I scammed my way out of it.
I just bought HID ballasts on eBay. Price was $240 shipped. I meant to put it on my credit card when choosing source of funds, but I accidently had it withdraw from my checking account. I knew for sure it would put me negative after a check and a few other things cleared. I called PayPal right away about it, but they couldnt change it once payment is sent.
So in attempt to keep my account from overdrawing, I PayPaled my moms account $240 (same amount as the ballasts) but funded from the credit card. I sent the money right back to my account, then withdrew it to my checking account. The problem was the whole time thing. I knew the money would not enter my account in time and the $240 payment would be taken from my checking account by then. So I also dropped in $150 cash in the ATM late that night that I got from my credit union account.
Well the next day came, the Paypal withdrawal cleared,
but the 2 deposits did not clear. So my account was overdrawn big time. $240 paypal, $10 and $8 (misc). $30 for each overdraft from my bank, and $5 each day overdrawn.
So they took $90 from my account. I went to the bank ahead of time before the overdraft charges came through and made up a bullsh*t story.
I told the lady that I'm disputing the $240 charge with PayPal because I did not make that payment to someone and someone gained access to my account. They are still working on finding out where the payment was made from but in the meantime, I'm stuck with a $240 charge. I told them I purposely deposited $150 in the ATM, and $240 from PayPal to keep my account from gettin overdrawn. The money did not clear in time and it was overdrawn anyways.
They refunded me the $90 because they saw the deposits were made at the time I said they were, and they have no way of knowing the $240 withdrawal was actually my mistake and not online fraud.
