I got a gift of $40 in my PayPal account. So I bought TLOU off of PSN for 19.99. I ordered it on the PSN app and it said error, so I made the mistake of pressing complete order again, and I got charged twice for one game. I called Sony and they said there was no double charge on my account, told me to call PayPal, so I did and they said I would have to contact Sony. It was turning into a classic run around, and a royal screw, so I filed a dispute on the extra charge. 1 minute later my PSN account was banned, called Sony and they said it was because I had a chargeback on my account, and they wanted me to pay 19.99 again with a PSN or Credit Card. But there was no money in my PSN wallet, nor in my PayPal account, so $40 basically dissapeared. So to get my account unbanned, I am going to wind up paying $60 for a $20 game.
Sounds a bit like people's guns disappearing using the destiny app and then being told they can't do anything about it.
I use PayPal for all my dlc/in game purchases and have never had a problem, but then again I don't use a flimsy app to do so.
Why don't you use the actual store via console?
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