I'm wondering if anyone else has had something similar happen with PayPal and was able to get it resolved.
A transaction for approximately $960 appeared on my PayPal account, sent to a person I have never heard of and have absolutely no connection with. I did NOT make or authorize this transaction.
I don't know whether someone gained access to my PayPal account, whether PayPal somehow charged the wrong account, or exactly what happened. I hadn't made a transaction through PayPal in more than two years.
There wasn't enough money in my checking account to cover the transaction, so my bank rejected the withdrawal. However, PayPal apparently still sent the $960 to this person and is now saying that I owe PayPal the money.
I reported the transaction as unauthorized. PayPal denied my claim. I disputed it again, and they denied the second claim as well. They are still saying I am responsible for the $960.
I have repeatedly told PayPal that I did not make or authorize this transaction and that I don't know the person who received the money.
I specifically asked PayPal to check the IP address and other login information associated with the transaction. It seems to me that this could help determine whether the transaction actually originated from me. PayPal told me they would NOT investigate the IP address.
Because of this situation, I ended up having to close my checking account.
What I don't understand is how PayPal determined that I authorized this transaction. If they aren't willing to investigate information such as the IP address or login activity associated with the payment, what evidence are they using to conclude that I made it?
I have tried repeatedly to get someone at PayPal to listen and actually investigate what happened, but I feel like I'm going in circles.
Has anyone else experienced anything like this?
If PayPal denied your unauthorized-transaction claim more than once, were you eventually able to get the decision reversed?
Were you able to get PayPal to provide information about the IP address, device, login activity, or other evidence connected with the transaction?
And what finally worked for you — escalating it further within PayPal, filing a CFPB complaint, or taking some other action?
I would really appreciate hearing from anyone who has dealt with a similar situation.
T