PayPal Money Transfers Complaint

PayPal Money transfers department,

Domestic (US) money transfer Wrong amount charged or received Oregon

I used Paypal services to transfer money to my son, as I have done in - other occasions. I was fully expecting to have the funds taken out of my bank account ( as Paypal has this information on file ). This transaction occurred on -/-/- and I erroneously assumed that the transaction went through as before ; but, on -/-/-, I received a call from a PayPal representative, stating that I owed them for the original amount processed plus a fine for non-payment. Upon further discussion, I learned that the money was not taken out of my account, but rather a PayPal Credit loan was used to proceed with the transaction, this totally unknown to me. I have asked the PayPal Credit representatives for an explanation as to how this happen, all I have learned is that I owe the money, how do I want to pay for it. It is very frustrating and most deceiving, I wanted to let someone know, so others are not snarled into this fraud.