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  1. #1
    Somewhat Purple-ish rhino's Avatar
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    PayPal: Fraudulent Transaction! D'OH!

    I was looking at my credit card activity and saw a pending transaction that had originated via PayPal and a merchant I didn't know. Turned out to be some video game dealer in Europe and the charge was small, so I'm guessing it was a "test charge" for whomever got my account info. So, I changed my password and security questions, then disputed the transaction with PayPal.

    Anything else I need to do?

    The good news is that the bank account I used to open my PayPal account years ago has long since been closed. They tried to get the charge to go through by deducting from that account, but it failed and defaulted to the secure credit card number (not my account number) when it was processed.

    Was this someone using PayPal trying to hack my bank account?
    Email: Joseph@AdaptiveConsultingandTraining.com


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  2. #2
    INGOer #1526 pudly's Avatar
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    Removed suggestion- already done. Sounds more like the PayPal account was hacked, not your bank account. Sounds like this is already covered, but if your PP account is linked to any other active payment forms (other credit cards/etc.), then I would suggest contacting them and getting new account numbers as anyone who successfully logged onto your account could view the current payment account details.

    That is the risk of allowing others to hold details on your accounts. If the first account is hacked, then your other payment accounts are vulnerable.
    Last edited by pudly; 11-14-2013 at 12:52.
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  3. #3
    Somewhat Purple-ish rhino's Avatar
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    Quote Originally Posted by pudly View Post
    Removed suggestion- already done. Sounds more like the PayPal account was hacked, not your bank account. Sounds like this is already covered, but if your PP account is linked to any other active payment forms (other credit cards/etc.), then I would suggest contacting them and getting new account numbers as anyone who successfully logged onto your account could view the current payment account details.

    That is the risk of allowing others to hold details on your accounts. If the first account is hacked, then your other payment accounts are vulnerable.
    Amen!

    The only credit card account information PayPal has is either of closed accounts (years ago) or secure numbers, some of which are connected to closed accounts. I tried to delete them all once, but they kept re-appearing.

    I'm never linking a valid bank account to them again, though!
    Email: Joseph@AdaptiveConsultingandTraining.com


    "The people shall have a right to bear arms, for the defense of themselves and the State."
    INDIANA CONSTITUTION
    Article 1 - Bill of Rights - Section 32

    ΜΟΛΩΝ ΛΑΒΕ

    To prevail you must ACT!

  4. #4
    INGOer #1526 pudly's Avatar
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    I think they require it. I have my PP linked to a checking account with a small balance in it that has no overdraft privileges.
    Not sure if the firearm or accessory you are buying/selling has been subject to a safety recall? Want to check your collection? Click INGO's Comprehensive Firearm Safety Recall Listing for an easy way to check.

    Hillary Clinton: "Donít let anybody, donít let anybody tell you that, ah, you know, itís corporations and businesses that create jobs."

  5. #5
    Plinker wizard's Avatar
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    Don't give up, they usually give the business 45 days to agree or dispute your claim. They may repeat the transaction, then you have to start all over again. I spent 9 months disputing a $692.00 charge from a camera store in New York. Several times they would put the money back and a few days later charge it all over again. Finally the store missed the 45 day time limit and that ended it. Then I dumped Paypal forever. Good luck.

  6. #6
    Expert .452browning's Avatar
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    I recently had my CC info hacked. Found a $15 charge in form of a Apple gift card to craigrussell35

    Bank said it was a test charge to see if I catch it before they hit big.

    Called the bank and apple. Got it cancelled and money returned. Had to get a new CC also.

    I added craigrussell35 to a bunch of mailing lists like cheap Viagra, weird porn sites, etc. Also sent him a nasty gram. He never returned my email.
    "Hey Mikey I'm about to punch that time clock."

  7. #7
    msk
    msk is offline
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    With PayPal you can dispute charges. If it is a credit card unauthorized transaction, you have 180 days to file with your CC company. They will issue a chargeback and you should see he money returned to your account. Then Paypal and your CC company will investigate the transaction. If indeed it is fraudulent, the company that charged you will also get hit with the investigation fees.

    I am NOT a huge fan of paypal admittedly. It was convenient for a time, but now there are to many fees. I am hoping Google Wallet picks up steam.

  8. #8
    Expert perry's Avatar
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    Similar thing happened to me a few years ago. I closed my Paypal account and now only use them when it's part of a checkout process for another site... one time charges only.

  9. #9
    Master nascarfantoo's Avatar
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    Never had issue with PayPal, but have experienced someone stealing my CC # and using for on-line purchases. Fortunately it was a company American Express card. AE contacted me on a Sat. morning wanting to know if I had made a few transactions on-line that amounted to over $20K. All originated in China.
    .
    "If you're going through hell, keep going." ... Winston Churchill

  10. #10
    Oh Yeah
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    Knock wood, I haven't had any PayPal issues. However my online debit card gets compromised +/- annually.
    -----------------------------------------------
    Done, done, and Iím on to the next one...
    -----------------------------------------------

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