Guess I'm dense--don't understand why you are transferring into your paypal acct if you are using your debit card and paypal has your bank acct info. I let paypal do a direct transfer from my bank acct to pay when I buy something, and they have my cc info, as I understand it, so I can choose the way I want to pay---also as it was explained to me...''in event my bank balance doesn't cover the purchase". I have heard also that they have been ordered by the IRS to collect SSN's from people who sell, so their sales can be reported for tax collection. I do not sell, so it is of no concern to me. But you know you cannot fight "city hall". Sounds to me like the folks might have you confused with another customer. ?? But stay safe & communicate only with the valid Paypal.