Reporting an unauthorized transaction

[AndrewWojtasik]

After reporting the unauthorized transaction and resolving it in my favor, and after the bank reversed the payment for the transaction, my PayPal balance was charged the cost of the transaction - 888 euros. I reversed the payment to PayPal for a transaction that I had not made at my bank branch right after I noticed the outgoing transfer. at the same time, report the transaction to PayPal, where I was granted credit. So I was covered, so I shouldn't have been charged for the transaction .After reversing the transfer to PayPal, I still had my money in the bank, so everything was fine...However, after the notification was resolved in my favor, my PayPal balance was charged with the amount of the transaction reported and resolved in my favor.it's a really large amount of 888 euros increased by a few euros. probably penalty percentages. and I was informed that if I do not settle the balance, a debt collection agency will take care of it .Therefore, fearing problems with the history in Schuffa, I made a transfer from the bank to my PayPal balance. The case started on May 3, 2023. To this day, I have not recovered the money I had to pay, and Pay Pal, despite many attempts, has not yet explained exactly what happened.In the responses, PayPal indicates that the refund has been made (I note that I reversed the payment to PayPal in the bank. Perhaps this is what they mean when they talk about the refund being made. However, I cannot determine this because PayPal did not provide me with data regarding this refund, even though I asked. Due to the lost cash became complicated in my private life, this money was saved for a specific purpose.How to assert your rights and get your money back? Is only the court involved? please help 900 euro its much.

[PayPal_Meghan]

Hello @AndrewWojtasik, 

Thanks for making your first post in the PayPal Community! 

I'm sorry to hear about the frustration caused by the unauthorized transaction back in May. If I understand correctly, it sounds like you opened an unauthorized case with both PayPal and your bank, which resulted in both being granted a refund. When you first open an unauthorized case with PayPal, and it's granted, the refund is immediately sent to your bank to try to cover the unauthorized payment. This is to help prevent negative balance fees at your bank. 

If you open a case with your bank also, your bank will notify PayPal that it was opened and again when the outcome is determined. If the bank issues you a refund, the refund is actually covered by PayPal. In the case where PayPal has already issued a refund on your behalf through their case, the money is then collected from the PayPal balance. If you don't have a PayPal balance, it can fall negative. 

To help see these transactions, I recommend creating an activity download that includes all transactions for the week before and after the transaction occurred. You can find the steps here. Then, create a bank statement for around the same time to compare the two and see when the refund was sent from PayPal and when it would have reached your bank within a few days. 

I hope this information helps explain what likely happened and leads you to see the different transactions on your statements. If this isn't what happened, or you can't find them, please reach out to Customer Support again. They'll be able to provide you with account-specific details to help you get to the bottom of this. 

- Meghan

[downs13d]

The same thing happened to me situation a little different as the debit card I have on my PayPal account is issued to me from the company I work for from my bosses account to use for company expense. Now my phone was stolen from me and within minutes I was at the iPhone store because I now needed an iPhone to lock my phone GPS it and put it into lock mode the iPhone store made me an appointment 5 hours from then giving me no help allowing the thieves time to start transferring funds to my PayPal account from my debit card( my bosses)the bank contacts account owner my boss calls me no phone so he tells the bank shut off card bank says they will start fraud investigation bank replace his account the $700 note PayPal took $700 out long story short fraud investigation found in my favor so PayPal puts my account in negative $700 in like you I don’t have $700 to pay PayPal because their fraud guarantees not worth A penny PayPal tells me that the bank already paid me $700 well the bank did pay my boss the $700 PayPal took then just like that lady’s **bleep** she told you they tell me that PayPal paid the bank $700 if they did my boss account shows no proff of this but PayPal now tells me I was paid back twice once by bank returning funds and they did but now that PayPal says they sent bank $700 they took then the bank and them would be even yet no PayPal says I got $700 twice by bank and by them yet PayPal has no paperwork work that they ever paid $700 back the thief was paid me never got a cent yet that **bleep** that lady told you they are using on me didn’t work mainly because the bank involved is not my bank so PayPal **bleep** really smells let’s get together and do a class action lawsuit my account ended up in collections as if I took out a loan PayPal is not a bank I believe I have a lawsuit