I have had PayPal for years and no problem, recently they offered me a "Cash back MasterCard" I got it and it was fine for the first few months, I got rewards as promised ETC. THEN when I was making my Feb. Monthly MasterCard payment. Their system went down in the middle of it and caused me to make two payments of over $2,000.00 as my total monthly charge on the card was over $1,000.00 I contacted them and ask them to reverse one of the over charges and the chat person said they couldn't but could send me a check. Well I told them to just post it on the account as a credit and I would use it next month to pay on the master card bill. So they posted it as a credit to the account. Then with out my knowledge or permission each time I made a purchase they would deduct that amount form the cash credit I had on the account and charge me a transaction fee and pay it to the credit limit on the account. The only authorization they had over that account was a ONE TIME automatic payment on the due date to pay the total owed during the month. I ordered them the send the remaining back and the chat person said they would and also send me a "$25.00 adjustment check" the remaining balance came but I never received the $25.00 check but it shows it was sent on my account. ALSO they don't even show the transaction charges on my monthly statement which was posted a week ago. I filed a complaint with the D. O. J. And am waiting a reply but so far nothing. Word to the wise if you over pay the card be sure to make them send you a check and not post the over payment to the account.