My story begins the weekend of March 11th when my PayPal was taken over and several transactions were put in place without my authorization. That following Monday, when I noticed the transactions, I called PayPal and submitted the initial disputes for these unauthorized transactions. I was also told to get my bank to initiate an ACH Pullback. I did all of what was asked of me. The next chapter begins on March 21st, this past Monday; I received an email from PayPal stating the disputes were not found in my favor. So, naturally, I freaked out as my PayPal has a very large negative balance. I dialied the help line and talked to a couple people, one quite rude and didn't even attempt to help and another who tried to do her best and help. She initiated limitations on my account and I had to submit a few documents. I had not heard from PayPal since Monday and I called again last night. I spoke to another person, and she directed me to sending an email to (an unspecific department dealing with things that rhyme with lame) and to reference a case number that she gave me. I put in my story, attached an anti-virus log that I ran the Monday after the transactions, and noted to look at my usual activity on PayPal. I have not heard from them, either, I can understand it taking a while, but I didn't get a confirmation email or anything of the sort. And I just got a wonderful email from PayPal collections telling me to pay my negative balance. A note on my usual activity: less than 30 dollars goes through my PayPal on a monthly basis. I use PayPal for Spotify, Netflix, and Arvixe Web Hosting. A second note: My mother also experienced this same issue with her PayPal. She also had the same application the antivirus found. It also occurred on the same weekend of my transactions. My assumption is my computer acquired the program when I was fixing my Mom's computer. She is also having an easier time than I am. A third note: The monday folllwing the transactions I changed my password, security questions, added mobile pin, added the text security pin, etc. I am not sure what to do at this point, but it is going on two weeks of me looking at the negative balance. Does this process usually take this long and is it usually so stressful? I wonder how often thieves get away with taking money from people through PayPal.
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