Payment on CC before I validate.

How can PP take money from my bank account without my consent?  My credit card had not yet been confirmed by me but paypal thought it fitting to go into my personal bank account to pay for a renewal service from xbox (which I was not aware was on auto renew).  Thanks to that unauthorized retrieval I got a nice 48$ NSF (non sufficient funds) fee in my bank.  I never authorized any such payment.  I want my 48$ back.

 

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