Sort-of happened to me. Someone sent me a large amount of money unsolicited. (5 figures.) This wasn't a scam, just a very dumb woman who can't remember her teenage son's email address even though I've haf the address longer than he's been alive. I logged-in and canceled the erroneous transfer to return her funds to her, but unbeknownst to me a small automatic charge for a domain name had gone through since I received the money. Ordinarily I keep $0 in my Paypal account and Paypal automatically deducts the funds from my bank account. But apparently when reversing a transaction instead of covering any shortfall from my bank automatically, they charged me a $100 insufficient funds fee and THEN deducted the fee + shortfall from my account. Absolutely infuriating.