So I purchased a $40 pack $ $20 worth of pearls that I have not recieved..

Should I just reverse the charges with Paypal or my bank?

This is my first day.

I started the Free trial a few hours prior to maintenence.

Liked it so much I bought the package before servers went down.

I just do not know if this is typical BS that I will have to deal with..

If so I will move on.

I do in-game purchases & wont deal with this on a regular basis

You have to refresh ingame and you recieve Acoins then you buy the pearl box with those

https://gyazo.com/7e3e6888b47c12745a9585bc2da9fd88 

then you go here https://gyazo.com/d60bb8d6b1fe8f55552c650cc443afea

Customer support won't respond to you within minutes, maybe hours minimum but expect a few days (typically).

Your purchase is in your account, it's just in-game you won't see it on a live basis. You need to do what Minchs said or just restart the game and it'll be there. Also, never reverse a transaction in a game unless you are ready to get your account banned. Most MMORPGs if not all of them will  ban you on the spot for reversing a charge. BDO's customer support will help you if you need further assistance. Once you convert your A-coins into pearls, you will lose your right for a refund however.