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which the PayPal Prepaid MasterCard and the PayPal Virtual MasterCard account have been issued by The Bancorp Bank, Wilmington, Delaware.
As he explained it, when a customer such as you calls the credit card issuer to complain about a charge, the issuing bank-- not PayPal -- is ultimately responsible for managing the dispute process. It sounds like this is a charge-back, Pagano says. That's not PayPal's fault.