I realized that I stupidly got a negative balance about 3 weeks ago. A few days after realizing that I had a negative balance, I added lots of money to the linked account. Since then, it has been a heck of a time trying unsuccessfully to get it paid off.
1. ONLINE, tried paying it off using my LINKED ACCOUNT: After clicking "Next" on the page to transfer funds from my linked account, nothing happens. I tried on three different browsers that day. During the last 3 weeks, every time I selected my linked account and clicked "Next", nothing happened. Today, still, nothing happens.
2. PHONE, day one: I immediately called PayPal and asked the worker to take the money from my linked account. He said a request was already in process. I thought to myself: "Oh, clicking 'Next' must have done something after all!" It turns out that "request in process" actually applied to the day beforehand when I had not yet deposited my money. So, insufficient funds again. It looked so odd to see 'insufficient funds' when there were more than enough, but when I called the bank, it said Paypal had actually tried the account the day before.
3. WAITING (dumb move): Hoping they'd automatically try again, I waited a few weeks for the money to be taken. Of course, it never was. I kept trying to pay off the negative balance online, clicking "Next" to no avail again and again.
4. PHONE, TODAY: I finally called back, wanting to yell: "Take my money. Please let me pay off my debt!" The robo voice message was that my account has been placed with a partner company because of its negative balance. Fair enough. I was still stuck on the idea of paying the money from my linked account and the guy I reached said he could only do credit card. I should have just paid by credit card then and there. Afterward, I was transferred to two people who each transferred me because they couldn't find my account and then the call dropped. I have called back half a dozen times and every time now the call drops as soon as it is first transferred to the "partner company". I will happily wait on the line for hours to talk to a person and get this resolved, but I can't get through.
5. ONLINE, TODAY, tried paying by CREDIT CARD: Why didn't I add a credit card sooner? It said "link a debit card", and I forgot that it could be a credit card, too. Also, I was really hoping they'd just take the money from my linked account. Regardless, today I added a credit card and validated it using a code from a test charge. When I try to pay off the negative balance using the validated credit card, however, there is a message "This transaction failed because we were unable to verify this credit card through our card validation process." It's a VISA credit card. It's in excellent standing.
What am I supposed to do?
I can't transfer funds or pay off my balance using my linked account with plenty of funds because of software glitches, presumably.
I can't pay off my balance using a validated credit card for reasons I don't know.
I can't reach a person.
Yes, it is my fault for the negative balance (I stupidly assumed the money had already been taken from the account and so wasn't anticipating a charge. Super irresponsible, yes) and there ain't no rest for the wicked.
HOWEVER, I don't want to owe money. I can't reach a person. Please help me.
