How does Paypal investigate unauthorized charges where someone uses your debit card information completely without your permission? I have been a victim of this twice in the last three months, where my debot card has been cloned. I live in Florida. The first time the purchases were made in Texas, and I figured they would side with me, and realize it was completely unauthorized sense I live so far away, and transactions were made that day both in Florida and Texas using the same card. They did side with me and I got my money back. This time, the unauthorized transaction happened an hour away from where I live, and I was in that location that day! I live in Port Charlotte and I visted a friend in Fort Myers. On my way back from Fort Myers, I stopped at a gas station where I spent $11.99 on gas. That same day, someone used my card on that same road for $100! I didn't use my credit card that day anywhere else! So the times can't be a contradiction. For example, if an authorized transaction took place at 12 P.M. 50 miles away from where an unauthorized transaction took place at 12:05 P.M. Then there is obviously foul play, but in my case, there is no such proof, sense I never used my card again that day! The next day, my card was used again (unauthorized) at 6:35 AM PDT near Fort Myers. That day, I used my card at 10:57 PDT about 50-60 miles away from where it was used that morning. But still, can't it can be argued that I could of driven down there? Only merchants have use of the security footage, so that can't be used by Paypal to determine that I did not use the card. How else would they investigate this? I am scared as I really can't afford this, and I do not want to, nor can I afford to be a victim of fraud...
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