Hi Rachel, Thank you for your response. Although it addresses one point of my post, it does leave out several others, which are far more concerning. There is no denial that Uber Technologies, Inc was previously authorized on my PayPal (they are no longer). The real issue here is that PayPal, as a financial institution, has a duty to properly and thoroughly investigate fraud. I will summarize the facts: 1. Someone has gained access to my account 2. This person made a purchase using my PayPal details A. Is the one sole determinant of it not being fraud that the purchase was made through an authorized vendor? B. Are you saying that it is PayPal's stance that if someone authorizes a vendor on their account, they are accepting the possibility of being defrauded without recourse from PayPal? C. Would it really make a difference if the vendor was authorized or not if someone has obtained fraudulent access to the account, given that they could just as easily have setup the authorization themselves by making the purchase (per your description, it happens automatically)? D. Why is the response from PayPal's fraud department citing that the activity in my account was not unusual when (i) there is not a single previous charge from Uber Eats in the whole history of the account, (ii) the last charge from Uber Technologies, Inc on the account (before the fraud) was over a year in the past, and (iii) the charge originated from a different device that had logged into the account 1 day before the fraudulent charge? I am certainly pursuing this with Uber, also. The investigation is under way. My main question now, regarding PayPal, is why do I need PayPal and what does PayPal do for me if I am the one that has to go chasing these issues when they happen? To say to a custommer that "It is our policy that if fraud is done in a certain way, we don't consider it fraud" is really not a professional approach and reeks of investigative morosity for a business that handles money.
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