Date: November 5, 2020
To: Vancity
From: PayPal Customer Solutions Department
RE: NSF fees
I'm writing at your request in response to the non-sufficient funds (NSF) fee that our
mutual customer, Christiana Lee Moulton , received on 11/04/2020.
The NSF fee was charged after the customer unintentionally used their bank account,
instead of their credit card, to fund an instant PayPal payment of $10 on 11/4/2020.
Unless a customer tells us that they want to use a different payment method, instant
payments are automatically funded by their bank account. In this case, the customer
intended to use their credit card, but their bank account was automatically used.
When a payment is denied due to insufficient funds, PayPal automatically represents it. This may have resulted in multiple NSF fees.
I understand that Christiana Lee Moulton is requesting that you waive some or all of
the NSF fees caused by this payment. This letter is to explain how instant payments
are funded and why our customer paid with their bank account.
Sincerely,
Demi
PayPal Customer Solutions Department