Jon , yes I have bank account connected. Seems like it might be connected to them paying with a credit card account instead of out of a paypal account. Except I did get a fee from one where the guy said he had $700 in his paypal account.
I've had several guys here pay me gift without a fee , but this is a recent thing ,mostly from other sites.
It may be something just changed , or they aren't doing it right.
There is no way to contact a " voice " at paypal.