Money taken from bank account but no record of it in PayPal activity

[Karly1]

Hi

Paypal have taken £15.99 from my bank account but I did not authorise this. It's also not showing on the Paypal activity so I have no idea what its for. How do I speak to someone at PayPal about this? Cannot seem to find a real human!!

[kernowlass]

@Karly1 

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.......

1. Phone Paypal customer services and see if they will open one for you (difficult at the moment due to covid)
OR
2. Contact your card issuer for a chargeback.

[Karly1]

Hi there

Thank you for the response.

I haven't made any transactions at all for £15.99. I believe someone has taken this £15.99 fraudulently and I have reported it to my bank. Paypal have been really poor in looking into this and don't seemed worried that this 'phantom' transaction has happened. 

regards, K