Recording Paypal Deposit and Client Refund

We use PayPal to accept Cost-Share responsibilities from our clients.  We bill their credit / debit card weekly.  Every week, we "Receive Payments" from the client when we run their card for their Cost-Share responsibility creating "Unused Credits" to be used when the insurance EOB is received. 

We submit our claims to the insurance companies every other month.

Every 6 - months we will reconcile our insurance claims.  When we do this, if we were told the wrong cost-share amount by the insurance company and owe the client money, we will refund the client their money owed via PayPal.

At the end of the year, we will deposit the PayPal money in one lump sum.  In the "Make Deposit" window, we account for the refund to reconcile the transaction.

My question is, which "From Account" do we use in order to track that refund back to the customer's account so it does not show an "Unused Credits" to their account?  We use the client's name in the "Received From" column.  I need to find the account the "Unused Credits" sit-in in order to reduce that amount.