1) bought online from target.com with total $144 2) during checking out, applied $20 Paypal credit from my account; from screen I was told this was successful 3) final result: $144 applied from my credit card, but the $20 credit disappeared from my account. 4) contacted Paypal customer service, with proof of the $20 credit, their review result is: target.com did not overcharge me. So case closed. 5) went back to paypal customer service, saying I never said Target.com overcharged me. The issue was that paypal took my $20 credit but did not apply to that transaction, and the $20 has gone forever. 6) no responses from Paypal thereafter.