Today PayPal chat agent told me the one time code is only available when I am at a trusted location (since they track that) and IP address. “If your phone was stolen and someone tried to access and receive a code to login to the account, PayPal's security system will be triggered as we compare the IP addresses and the location as to where the person who is trying to access the account is. This will prompt the system for the user to put in the password itself to login successfully. You see, we always detect your location and if the location is not the usual place where you are logging into the account, our security system will be triggered.” “ PayPal cannot remove this security feature however, you can activate your 2-factor authentication as we have more ways to secure your account with the 2FA by using third-party apps such as Google and Microsoft.”
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