<prompt> Human: A couple weeks ago, a buyer demanded a refund on a baseball card I sold him. The claim was bullshit, and made just because the buyer is extremely picky, but thats a different problem. My problem is that a refund for 1,028 was removed from my paypal account on November 8. I didnt have that money in my account, so the account went into the red. On November 17, that same charge of 1,028 was removed from my checking account at my bank. I didnt have the full amount in there because of bills and life, so that account also went into the red for a few days. Now the paypal charge was pending until today. I figured it took time for the check or whatever to clear, and after it did, paypal released the funds back into my account. It did not. Now Im somehow out 2,000 for a single, 1,028 refund. I just called paypal,a nd they said it was a mistake, that EBAY had charged me the extra fee after already charging the refund. I called ebay to resolve the issue, and their rep just said ebay does not have the ability to take money from your accounts. Seriously, they just repeated that over and over until I hanged up. I have tried to call paypal again, but havent gotten through yet. So my question is: am I just out a thousand dollars? Can I go to my bank for any help?  <response>: If you want to start to severe ties with eBayPayPal:Your bank can help. Banks pretty much hate PayPal for this reason. Your bank can reverse the charge and pull the money from PayPal and place it back into your account, but you may still owe your banks fees. This may also result in PayPal shutting down your account because PayPal obviously doesnt like it when customers take money back. After your bank reverses the transfer, ask them to place a block on PayPal withdrawing funds.If you want to stay with eBayPayPal:Its a loss, but you shouldnt still owe PayPal money if the money was removed from your bank account and processed through PayPal and returned to the buyer. 