Hello paypal
This way I will tell my story with the unauthorized transactions that took place last weekend, february/08/2020.
On Saturday night I was contacted by a paypal user that a amount of $ 500 had been paid from his account to my account in three different transactions, and that he would call the police if I did not pay him back. I I'm not arguing, I want to help the man as soon as possible, I log in to paypal, and when there in addition to his payments I see my payments also went to another paypal account. I would like to draw my attention here that paypal although I have, set in the settings to notified by mail for each transaction, there was no notification at all.
I had $ 700 in my account + 500$ from a guy who discoverd something is wrong, A total of $ 1,200. all that money was sent from my account through 5 transactions into a person's account that when I contacted him said he couldn't make a refund because bitcoin was purchased for that money.
Of course I was not affraid at first becouse I naively believed there was a paypal behind me that would solve this problem. I'm using the opportunity here, so I'll quote paypal from their site, PayPal Purchase Protection.
“We monitor every transaction 24/7 to help prevent fraud, email phishing and identity theft. Every transaction is heavily guarded behind our next-level encryption. If something seems suspicious, our dedicated team of security specialists is immediately on hand to help protect you from fraudulent transactions. And remember, we never ask for any sensitive information from you in an email. "
Unfortunately that was not the case, and as far as I can see I am not the only one, and there are many such cases.
Of course, I immediately filed a dispute for an unauthorized transaction for each transaction, and within a few hours I received a "Case Closed: Transaction not covered" shock, disbelief and a slight confrontation with the truth that paypal does not have too much will and desire to help its users . They stated in the notice that they had thoroughly reviewed my case and that there was no indication that the transaction was not authorized. Which would mean that I sent $ 1200 in 5 transactions to a person I never communicated with in one day. Really? If you just checked the IP address from which my account was accessed, you would have realized that it was not nearly the same country, maybe not a continent, and I can prove that I did not travel those days.
In the meantime, the user who sent me $ 500 also filed a dispute for an unauthorized transaction, and even though I know, he knows and paypal knows that the transaction was not authorized, I received a notification: "We've closed this case in your favor" asks again really?
As soon as I could, I contacted my bank and asked for my card to be blocked, but besides, I didn't manage to deal with them too much, because of course they have no authority over paypal. But they also told me, like any responsible financial organization, that by any chance I paid through them and that it was an unauthorized transaction, I could easily request a refund or reverse the transaction.
Of course I checked my only two devices to access the Internet from viruses and malware, but everything was clean.
The people who have committed these scams obviously know what they were doing, and above all they know that paypal does nothing to protect its users and thus only motivates them to continue their activities in the future.
No one in paypal deals with the disputes for an unauthorized transaction, but it is done automatically, by computer program, script, not a person.
I am now in the phase of paypal phone calls. I am in Europe, Ireland (Dublin) is in charge of my region. I called once, the operator was kind, they listened to me and said they would check my cases again. Indeed, in the status of all 5 transactions there was a "revision" notification, but after a few hours again the message for all transactions was "Case Closed: Transaction not covered"
I called a second time and again a kind person answered me, she heard about my problem and that she would do her best to solve the problem, and that they will contact me trough email.
In the meantime, I called the police to consult, and they told me to try again with paypalo and find a solution. If it is not possible for me to contact them, they will escalate this case to Interpol.
I am currently waiting for a paypal response.
the previous two emails I sent remained unanswered, and yes i check main pre-approved billing agreements
For one thing i m sure, I'm not going to give up my money so easily.
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