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PayPal is a machine

So a new episode of stupid crap happened today. I got an over-withdrawal notice from Wachovia. That's bizarre, I thought to myself, since there were no pending transactions. Then I realized what happened: I used PayPal, and Wachovia was still my default choice - I thought my credit card was. I only had $2.14 there, so I quickly notified the seller that I would like to cancel the purchase; I also said that I was going to repurchase nearly immediately with a different account (and I did). The seller did just so, but to be safe, I shunted the canceled amount from Chase to PayPal - I figured that the bank request would fail PayPal would use the new monies on hand. Turns out, the $19.95 eCheck still got to Wachovia and, of course, bounced. Wachovia obliged the debt and charged me a $22 fee for the service. So now PayPal has $39.90 doing nothing and Wachovia wants $39.81.

I figure I'll count the $22 as a closing fee and just lose the account. To date, Chase has been immensely saner in their accounting practices. They scan checks at the point of deposit (even ATMs) and there is a paper trail of some kind whenever I pay bills. More than that, they've always been helpful in resolving conflicts.

You'd think there would be some way to initiate a stop payment on an eCheck, but without any more than a log of the event, how am I to contest this sort of shenanigan?

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