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>Several days after, the amount was silently debited. No message from the bank. This is not specific to Paypal.

Except if you asked the bank, they'd say there was a system error we had to correct, sorry for the inconvenience, please take our survey. PayPal will say you sent/refunded the money, we never touched these funds and can do no wrong, and if you can't produce documents that never existed related to this transaction that was entirely in error you can kiss your account goodbye.




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