#help

[RonaDenny]

Hi There, It's happen that I check my bank balance today. And I noticed that there are transactions that been paid to PayPal that I didn't made. And then when I check my PayPal account. That transactions is not showing on it activity. Before that. I receive an email from PayPal. But I think it's not from PayPal saying my account is on hold because of suspicios activity. I ignored the first email. But the second one I reported to PayPal but no answer. And now I have an payment that I didn't made. What should I do? Please anyone can help? Thanks.

[kernowlass]

@RonaDenny 

1.

If you bought something online with a debit or credit card and did NOT log into your Paypal account then of course it won't show on that Paypal account because you bought as a 'guest buyer'.
However your seller may have processed that payment using their Paypal 'card reader' and so Paypal would show on your bank or card statement.

If that is not the case then contact customer services AND your card issuer to query the transactions.

If you need to open a dispute for a 'guest buyer' transaction then you can.......

 Phone Paypal customer services and see if they will open one for you (difficult at the moment due to covid)
OR

Contact your card issuer for a chargeback.

2.
If its a spoof then NEVER USE ANY LINK.

Firstly if the email/text addressed you as ''Dear Member'' / ''Customer'' / ''Client'' OR your ''email address'' then that confirms its a spoof as paypal would address you by your full name eg Dear John Smith.

Secondly if there was a link OR attachment in that email/text to ''cancel'' any transaction or ''confirm'' any details then again it would be a spoof.

If there was a problem with your account Paypal would not ask you to click on an unsafe link in an email or by downloading an attachment, they would direct you to log in normally and go to the resolution or the message centre for more information.

More info here >>
https://www.paypal.com/us/selfhelp/article/how-to-spot-fake-emails-faq2340/2
https://www.paypal.com/us/webapps/mpp/security/suspicious-activity

3.

If you responded to the above spoof email and gave away your log in information then...........

Click on the transaction in your paypal account and use the 'report a problem' link at the bottom to report it as unauthorised if that is what it was.

An unauthorised transaction means that your Paypal account was hacked and used without your consent.
If Paypal check IP addresses / devices etc and find that it was hacked then yes you should receive your refund.

I hope you changed your password and security questions?
I hope you ran a virus scan on your computer?
I would also be telling my card issuers and bank accounts company that the account was hacked so that they can keep an eye on your account OR remove the financial info involved until things are sorted.