Only issue I have had with Paypal was a monthly subscription that i cancelled and although cancelled I kept getting billed. The fix to this since paypal wasnt much help was to close the acct that was tied to this paypal acct since I had it linked to my checking acct and open another acct. Fortunately it was also around the time that I had to order new checks anyways, so it worked out well. The problem was instantly solved and I was only out $20.
Whereas I have had issues like this with a credit card and the credit card company was able to resolve the issue and credit my account for the wrongful transaction. Currently dealing with a wrongful transaction now that occurred somehow at bestbuy. I never agree to get the subscriptions for magazines that they state at every sale, and the cashier must have hit a wrong key or intentionally rang me up for Times Magazine at $80 a year. Started getting the magazine and thought my wife ordered it. She said she didnt, and then I looked at my credit card statements that I rarely look over and just make a payment and saw it 3 months prior, just before christmas hitting my credit card when everything else (gifts etc) purchased at the time covered up an $80 fee that went without notice.
As far as banks go, i have been dealing with 2 different banks for their benefits. One has better loan offerings, % yield interest, and only a $100 minimum to avoid $2 a monthly fee, so I have savings over there, and while that bank has a monthly fee for checking, I use another bank for my checking that they have free checking as long as you have automatic deposit. As well as I agreed to a program where if a check ever is going to bounce to charge me only $5 per check and notify me by phone which was a promotion when I joined with them that lasts as long as I hold checking acct with them. And best of all they are not far appart if I have to move money. So I dont have any banking fees using the best of both banks with my banking needs while anyone who would deal with only one or the other would get hit up with fees.
