I don’t see why PayPal could be made to repay unauthorized third-party transactions without specifically offering fraud protection. Yet I am seeing from the Community that Paypal often closes likely fraud/scam cases by finding reported unauthorized transactions to be "authorized". I find this dismissive response to be insulting. Why not acknowledge a PayPal user's situation and honestly state that PayPal does not help with fraud or potential fraud situations? I was not sure what paypal could or would do about the series of 3 suspect transactions suddenly appearing on my account. But I could see the pattern, since confirmed by searching the BBB. (Turns out that I could not even show PayPal this pattern because only one transaction appears on my claim though I reported all three to the agent.)
I am thankful the new Paypal Key was used and could be quickly cancelled. My bank account is safe. Thank you, Paypal !
Still, why does PayPal insist, even through appeal, that these transactions are not unauthorized? The initial finding gave the reason as being consistent with my purchasing history, which i could easily refute if afforded an opportunity. Why this need to “deny” even the possibility that a transaction is unauthorized by shifting attention to a user’s history? I did not expect PayPal fo reimburse me. I simply sought any assistance PayPal might give. I also thought reporting a potential scam helpful. A process for reporting unauthorized activity does exist. But for what reason?
As I said at the onset, while I do not hold PayPal to repay my loss, I find its response insultingly dismissive. Is there a liability issue that I am unaware of involved here? In business and government I have observed that a meaningless process that leads to rude, irrelevant outcomes is usually inspired by a desire to avoid responsibility. I have relied on Paypal for decades, since its inception. It is a little disappointing the think it might be big enough, corporate enough, to consider it okay to treat its users with disregard. I would find it uncomfortable to hold PayPal responsible for my being scammed. (My first time ever!)
