Your PayPal account reads in the negative. They can't actually take anything out of your bank account without your authorization. I had a time once when an eBay customer claimed what I sent him wasn't what I advertised (it was, and there were even photos) and PayPal sided with him. Since I already withdrew the funds, they just set my balance as -$99 and I wasn't allowed to edit any of my profile information until I put $99 back into my account on my own.