Subject: Unauthorized Transaction and Bank Decline Issue

[Drusli]

Subject: Unauthorized Transaction and Bank Decline Issue

Dear Support Team,

I am writing to report an issue with a recent transaction attempt. I received a notification stating that my bank declined an electronic funds transfer to my PayPal account and that there were insufficient funds in my PayPal balance to cover a payment to [removed]

However, I did not authorize this transaction. Additionally, this payment does not appear in the transaction history of either my bank account or my PayPal account. Could you please assist me in resolving this issue and advise on what steps I should take next?

Here are the transaction details:

• Transaction ID: 7AG38529BW2387103
• Transaction Date: June 14, 2024
• Transaction Amount: 1.45 EUR

Thank you for your assistance.

Best regards,
Andriy

[kernowlass]

@Drusli 

If its a spoof then NEVER USE ANY LINK OR ANY PHONE NUMBER.

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.

Also if they ask you to call the number in the email then it would be fake paypal agents trying to scam you for money to 'fix' something. 

If there was a problem with your account Paypal would not ask you to click on an unsafe link in an email / download an attachment OR phone them on a number in an email, 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/smarthelp/article/how-do-i-spot-and-report-a-fake%2C-fraudulent%2C-or-phis...
https://www.paypal.com/us/webapps/mpp/security/suspicious-activity