Hello,
Have you moved forward with any legal procedures? I might not have a choice but to.
I have been fighting for 2 months over the scam charges I received. Some fake purchase of
This was not some small $75 or even $500 scam. It was $3600!
The part that makes this worse is that stupidly my preferred default payment method was set to my personal bank account.
I like many others got that texted saying that there was a potential scam and to press 1 or 2 if this was authorized. I pressed 2 for no and thought everything was good till the next day I was buying gas pulled out my ATM card and was denied, I quickly checked my bank account knowing I had at least $500 in there, and saw a negative balance of $3100 dollars. To say the least I freaked out. I immediately went to PayPal and placed an unauthorized order for the purchase. Then called my bank to notify them of the situation and that it should be resolved shortly by PayPal.
My bank them put a stop payment in and blocked any transactions from this "merchant".
The next day I had a message in the resolution center stating that I was denied. That's where the real fun begins with me flooding the message board showing that the site is a scam the address this "item" is being sent is not my residence and two states way at a parking lot in the middle of nowhere.
Along with that screenshots of my bank account overdrawn.
My appeal was denied, case closed.
I even tried making contact with the "merchant" I posted on their website, I called all their supposed offices around the world all instantly going to the same generic voicemail box, And e-mailing them without a response.
I called my bank and told them the situation and THEY assisted me saying they had reversed the charges due to NSF and would reverse the overdraw fees.
So I thought everything was resolved after seven days of anxiety. As I had no money very low on gas and rent to pay in days. I was so afraid that when my check posted from work it was going to be absorbed by the negative balance.
Then it really hit the fan. A week later as I was preparing to pay my PayPal credit account I saw a charge for you guessed it $3600 dollars to my PayPal account. Fortunately, I changed my preferred default to the PayPal balance. I again filed a claim against it and was denied.
This time I left it as it does not affect me directly. Then I started getting calls and emails from PayPal collections wanting their money.
After several days of calling and soooo many hours on the phone, I got a representative to say that this would be cleared up and that this "company" had been blocked.
It did not go that way and the balance remained and the calls contained. After many more days of calling and hours waisted I got to an account specialist who basically said the only option I have is to do a chargeback or pay it. Well, I thought I just want to resolve this and move on so I go to my bank and discuss doing a chargeback and they said not possible. For one a chargeback only works if the funds are completely taken. So I would first have to have over $3600 in my account and then allow that money to be taken. Second I would have to file another claim with the bank to an already resolved issue then would need to launch another investigation to allow the chargeback. The teller/manager said that would look like I was trying to defraud the bank and most likely be denied with me now permanently losing all that money with no recourse.
The best part about this is that the people that are supposed to protect their customers are attacking them. Instead of PayPal going after the "merchant" they put the burden on their customers. And l love that when I'm taken advantage of they add to the pain of it and then respond that it is my own fault and need to take responsibility for it.
So to court may be my only option as $3600 is way out of the ballpark to bear.
