Credit Card compromised right after first use on PAYPAL

[martintansi]

Just updated credit card and used PAYPAL for the first time in a long time.   Next day, credit card was compromised.  NO way to contact anyone at PayPal.  

[DPCreations]

phone the number on the back of the credit card.

Specifically, how did you use the credit card?

How was it compromised?

[martintansi]

Simple.  First, I updated PayPal with my current credit card info.   Then I used PayPal to pay for an order on eBay.   Next day, 69 fraud attemps on my credit card.   Card was not used anywhere else.   You tell me, PayPal or not PayPal.   Sure seems like a very close coincidence.  

[DPCreations]

How long have you had your credit card?

[martintansi]

A long time, but that doesn't matter.  PAYPAL has been hacked and is not telling anyone.   Just because you have something for a period of time, the last few uses typically point to a breach.   In this case, PayPal.

[DPCreations]

Since you had it for a long time and, I assume, used it for online purchases and more there are many ways a problem could occur.

How many people have physical access to your computer?

How many people ever had physical access to your credit card?

Do you always use a secure server and access PayPal from your computer?

What was you last virus scan on your computer?

What virus protection do you have on your computer?

The least likely cause would be PayPal as PayPay has very strong security internally.

[martintansi]

Those are all very good questions.   So let me answer them for you:

Since you had it for a long time and, I assume, used it for online purchases and more there are many ways a problem could occur.  Bad assumption.  I don't use this card for online purchases as a rule.

How many people have physical access to your computer?  Two people - my wife and I - it's a desktop PC

How many people ever had physical access to your credit card?  None.  The last two transactions on it were PayPal two days ago and UBER two weeks ago.  So maybe UBER was the culprit, but I've used a different card with UBER for several years and never had an issue.

Do you always use a secure server and access PayPal from your computer? Yes. And only access from home desktop.  And as a reminder, I just updated this card in PayPal before I used it.  Previously, the card info was out of date on PayPal.

What was you last virus scan on your computer?  Scan happens weekly.   Just ran a full scan with no virus of any kind.

What virus protection do you have on your computer? AVG version 17.4.3014 ... updated everyday

The least likely cause would be PayPal as PayPay has very strong security internally.  I appreciate you trying to protect PayPal.  All I can report are the facts.  I have a card that is seldom used.  I have a desktop computer that is virus protected.  I updated PayPal with my card.  Used PayPal to make a purchase.  And within two days, my card was compromised.  

[DPCreations]

No trying to protect PayPal.  Just trying to help with a thorough investigation.

What are the details of the qustionable transactions?

If you beleive the card transactions are frudulent, why haven't you contacted the card company immediately using the number on the back of the card?

There are times when a user complains about fraudulent card transactions and fails to state that the person lives with a roommate or more who can use the same computer.  So, I'm just trying to get all the details so one can analyze the problem thoroughly.

[martintansi]

There is no doubt the charges are fraudulent.  The actual fraud alert came from card company came to me via text last night.  I called the card company, they explained the alert, we disabled the card, and then I called card services this morning to review all transactions.  There were over 65 transactions that happened within less than 10 minutes - apparently computer generated.  Charges were attempted to merchants such as Walmart, Netflix, etc.  Dollar amounts ranged from $1.00 to over $200.00.  Five of the over 65 transactions were not "declined".  The rest were "declined" when submitted.  The five that were still pending will either go on through and I'll have to file FRAUD claims or will be declined during processing.  ALL of them were fraudulent.

[DPCreations]

The bank will investigate and find out what happened.  It is not likely you will ever know unless you discover something with your own investigation.