So interestingly enough I had this same issue. The difference with mine is that I had actually paid for a couple of things with the my.com merchant in the past and this created an automatic payment connection to my PayPal account. I just spoke with a rep at PayPal about this and she said that because I had sent payment to them before in a legitimate manner and because through that payment process I went through an automatic payment was created then the illegitimate payment to my.com was seen as authorized and PayPal will not refund my money. In my case it was $51.00, so not earth shattering but definitely something I would like a refund on. Given this information I asked the rep/agent if any of the other authorized automatic payment merchants (spotify, NFL, google) that I still have active agreements with were to charge me any amount at all that I would have to pay that even if I didn't actually click a button or submit a payment and the agent replied with 'yes, that's correct'. She recommended that any time I pay a merchant and that payment creates an automatic payment entry in PayPal that I go and review that and determine if I want them to ever be able to process any amount of money (legit or not) through that auto payment, if not I should delete it. The agent also said I could contact the merchant to dispute it with them, I've already sent them an email but I'm fairly certain I'll never get a response. Finally, I asked her what would happen if I dispute this through the actual funding source of the payment (bank, CC, other) and she said that if I did that, PayPal would show a negative balance of 51 dollars on my account because they would then be defending the merchant who illegitimately charged me $51. So, if I did get my money back through the funding source I would still be out the $51 in my PayPal account which means it's not worth it for me to do this. It's a nice little program (dare I say scam) that's setup around this that's completely indefensible by the customer. EVERYONE needs to monitor their automatic payment in PayPal regularly and cancel/delete everything in there that is not an active subscription. Stay safe out there!
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