Hi all,
I have sadly had the same situation as many here on the board. I have been charged a total of 4 times, one valid, the three others erroneous. I have, as a result, been charged overdraft fees, and for a while suffered a period of rather intense financial instability. I used Pypal with a direct line of debit to my bank, making all purchases as-cash and directly reflected on my statement without my knowledge or the possibility of advance intervention.
I contacted Paypal support first, thinking it originally to be a glitch on their end; to which their surprisingly knowledgeable and polite customer service representatives assured me that it was a problem of the billing agreement issuer, in this case Apple. They assured me that they would not allow any further charges of this sort on my account, and even helped me find a support number to call Apple regarding the issue.
Unfortunately, the support number given to me - once making my way through the obligatory corporate tech. support phone tree - redirected me to ask any service, billing, or technical questions I had regarding either the Mac App Store or iTunes to Apple's support website. I re-tried this using a different approach through the tree, only to be redirected to the website again.
On contacting the Mac App Store customer service team, I received a response from "Phil." Sadly, Phil stated that the problem was with the credit card issuer (to which it is not, as I am not using a credit card, but a debit) and payment processor (PayPal); a response which completely ignored the intial worry and reason for bringing about the service request. As a personal note of dissatisfaction, he also misspelled my name both times he mentioned it within his initial reply. While he was polite, he was incredibly unhelpful and unattentive to the problem summary that I had presented for him in my initial contact; so, I sent off a reply e-mail detailing my problem in more exacting (and polite, yet firm) language.
To this I received a generic 'Apple is investigating your issue. Please wait for a response.' message. I have thus contacted my bank, and they have assured me that they will begin an investigation as to how these charges originated on my account. I am quite galled - like many others here - that both Apple and PayPal have resorted to pointing fingers at each other without coming to a definite conclusion as to what the problem is being caused by.
Perhaps moreso than that, however, I am more horrified than not that both seem to be unwilling to care about our varying states of financial duress caused by their own error. While I understand that these are corporate entities, and not caring NGOs, or something of the sort, it strikes me as quite revealing in that a bank is more willing to return my money to me than either of the corporations at fault. I feel as if I have been robbed of something, perhaps selfishly and un-rightfully so, but I do not feel that the company at the heart of this problem should lay unpunished in some form or another.