Paypal Direct Debit Instruction query

Ammie

I recently removed my bank details from Paypal opting to use a credit card as my primary funding option. Today I received the following emails.


On , we attempted to transfer from your bank account, ending in . This transfer was returned by your bank on for the reason below:
There was a bank processing error.

As a result, this bank account has been removed from your PayPal account. Please contact your bank for more information or add a new bank account. Please do not contact PayPal because this is entirely an issue between the account holder and their bank.


Yours sincerely,

PayPal


We attempted to cancel our Direct Debit Instruction (DDI) from your bank account ending in 3700.

The transaction was declined during our processing.

Therefore, to protect your account, access your online banking and cancel the DDI yourself. You can also call or visit your bank to do so manually.

We look forward to continuing to offer you the number one way to send and receive money online.


Why are Paypal trying to transfer any money from my account? I do have a monthly subscription set up via Paypal to donate to a website I use, but I have funds in my Paypal account already to cover that, and if there's no funds available shouldn't they then take the money from my credit card? Besides payment isn't due yet.

Am I being paranoid about nothing? Is this usual?

Thanks.

cally6008

you didnt click any links in the email did you ?

Ammie

No there wasn't any links in both emails. It came from the same email address Paypal uses to correspond to me. service@paypal.co.uk

Premier_2

If you have a bank account set up, I think paypal always try and take from that first when there is insufficient paypal balance to fund the transaction.

You have to manually select a credit card funding - you can't set paypal to default to it. I'm not sure how that works with continuous authority transactions.

Now paypal have removed your bank account details - it'll default to the credit card.

Ammie

Thing is I'd already removed my bank account details from Paypal and set my credit card to the default payment.

Premier_2

Ammie wrote: »

Thing is I'd already removed my bank account details from Paypal and set my credit card to the default payment.

How did payal know your bank account details if you had already removed them?

Ammie

Premier wrote: »

How did payal know your bank account details if you had already removed them?

I have no idea. I've re-checked my Paypal account and my bank details aren't there.

Premier_2

Ammie wrote: »

I have no idea. I've re-checked my Paypal account and my bank details aren't there.

Paypal said they removed them

Ammie

Yes but they didn't remove my bank details I did, last week. They had no reason to try and transfer any money from my bank account as that wasn't an option anymore. Also I've not purchased anything. I'm perplexed is what I am.

frivolous_fay

Did you pay for anything recently, before removing the details?
Often it can take a long time to process a bank payment... if it was still pending, then removing the details might have messed it up.

Premier_2

Ammie wrote: »

Yes but they didn't remove my bank details I did, last week. They had no reason to try and transfer any money from my bank account as that wasn't an option anymore. Also I've not purchased anything. I'm perplexed is what I am.

Erm... when did you remove the bank details exactly?
When did Paypal try and initially collect the funds by DD?
When this recently happened to me (DDI had fallen dormant under the 12 month rule), it took about 9 days for paypal to realise, which is about how long it would take for collection to be attempted, collection refused by paying bank, reason code referred back to paypal, paypal to investigate and take appropriate action.

Edit: actually, just checked. It took them 14 days from the original paypal transaction date to take action over the failed DD

Edit 2: it was actually 9 days for them to take action, 14 days before they sent me the emails.