I too was overdrawn on my bank account from the fees. I only use that account for internet purchases. My bank also said it is not their responsiblity to refund overdraft fees when it is not their mistake.
Paypal blames apple. Paypal refuses to pay any overdraft fees, they also told me that the banks cant charge those on an unauthorized charge. That is not the case. Paypal points the finger at Apple. Paypal says they only process the requests that are sent. And if Apple sends multiple requests they process them.
Apple blames paypal, claims they sent the transaction once, and that if it went through multiple it is paypal's fault. Nobody wants to take responsibility, yet neither company is out any money. They are both sticking it to the consumer.
There's a good chance I may never use paypal or buy an apple product again.
Absolutely horrible customer service from both companies. I am ashamed to have done business with either company.