Been charged a late payment fee I disagree with, because the system said direct debit scheduled

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Hi. I've set up PayPal Credit and the system indicated "Direct Debit Scheduled".  The payment due on the 13th was rejected, even though there is sufficient funds in that account.  I am wondering if there was a technical problem, in the sense that was a direct debit actually set up. One thinks that if no direct debit was set up, the system would not report "Direct Debit Scheduled". So, I have complained to PayPal. I've asked PayPal to please tell me the precise reason the payment failed. So far, PayPal has failed to tell me that precise reason. I think I am owed it. Your thoughts. Richard

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Well, PayPal said the bank account had been removed from my Wallet.  And that's why payment failed. But, why then did the system source the direct debit payment from that bank account, if it had been removed from my Wallet? Anyhow, I've cancelled the direct debit. But, PayPal will probably charge me the late payment fee.  Which I'm not happy about.  I don't think I removed the bank account from my Wallet.  Not much more I can do. EDIT. At first payment was made and then there was a "payment reversal" on the same day. Is that possible if the source of payment was removed (taken out of Wallet) prior to the system drawing on that source to pay the direct debit?