Unauthorized Transaction with my.com b.v.

[ryoujies]

What happened to buyer protection, or whatever protection Paypal seems to boast about? The coverage is close to none!

I woke up this morning getting a text from Paypal regarding a login code. Mind you I was sleeping, so why would I be getting asked to verify a log in an hour prior to me waking up? I immediately started freaking out and logging into my account in hopes they weren’t able to go through but of course, to my surprise, there’s a charge of $75 USD out of my account from some website I never even heard of my entire life! The merchant is my.com B.V. . I immediately went ahead to file a dispute and reported the transaction as unauthorized. Paypal said it would take 10 days to review the case but as per usual, they got back to me within an hour or so closing the case and saying that I authorized a transaction for a site I don’t even know existed, great. It’s almost as if the fraud or dispute department never looks into cased AT ALL. This is the second time I’ve gotten hacked and Paypal telling me it’s my fault and I just gotta accept it.

I’ve been trying to escalate it to a claim but there’s no option for me to in the resolution centre. I’ll hopefully call Paypal sometime this week, since I’m busy. I know $75 USD (approx. $100 CAD) doesn’t sound a lot to some, but as a student it’s a ridiculous amount. I’m losing hope since some people on here have brought up the same issue and Paypal did the same thing by closing down their cases, with the SAME merchant.

I’ve contacted my bank regarding this matter and opened up a dispute. Paypal doesn’t seem to care about its users and I feel so unsafe using this platform now. Looking to permanently shut my account down once I get to the bottom of this 😕 I’d appreciate any insight or advice from anyone who’s experienced the same issue, as this is just flat out ridiculous. It makes so sense that Paypal reimburses people who take advantage of buyer protection, buyers who scam businesses, yet serious issues like this seem to get overlooked…

[Gina3331]

Hi becca It sounds like it is fraudulent I wasn't sure at the time if it was I was panicked when I seen the amount but I declined it anyways and blocked them

[Gaminand000]

I have also been scammed out of 1,300 USD! Can I get my money back or am i out of luck because it seems this person already has it 

[PayPal_Olivia]

Hi @Gaminand000,

Thank you for your post and welcome to the Community Forum! 

I'm sorry to hear about the loss of funds! That's really scary when that happens and you don't know what to do next. If you sent the money via an invoice that you received, it should be a Goods and Services payment. You should be able to open a claim that the item is not received. If you open any other type of dispute, it will not go in your favor, since the other claim types do not apply to this situation.

I hope this helps!

Olivia

[Gaminand000]

Yeah I did that. Support said it was authorized by me….false called my bank said it was refunded, so I’m really just waiting but it’s been 3 days kind of sad really just considering how many people it’s happening to and the same outcome.

[PayPal_Olivia]

Hi @Gaminand000,

Thank you for your reply. If it was closed because it was authorized, that's because the reason selected for the dispute was an unauthorized transaction, which would not apply to this situation because you clicked to pay the invoice. The type of dispute necessary is Item Not Received, because there was no item received. 

If you have already disputed with your bank, the refund timeframe would be up to that institution and you can communicate with the bank for that information as PayPal would no longer be the decider in that case.

I hope this helps!

Olivia

[dfvdfvdfv]

Would my bank refund me on the payment? I just had this happen to me. It's frustrating and ridiculous that because I chose unauthorized transaction the case was closed within a few hours with no refunding. You'd think getting this scam happen to multiple people is enough to get refunded.

[kernowlass]

@dfvdfvdfv 

Well multiple folks are refunded because they chose the correct option of non receipt of item.

Unauthorised is telling paypal you were hacked and did not make the transaction, they would check IP etc > see it was you and so correctly close the claim as the transaction was authorised.

[asderaenl]

Good Morning Sir! I've recently had the same problem too. Somebody make $60 payment using my account. I've reported it to PayPal using their report section but my case was closed. I just want to ask if you could also help me recover my money. I am a student and I really need those money. And I came from a country where $60 is a big deal.

[Itsmephk]

Did you ever get this resolved since the same thing happened to me and within a hour of sending a claim they close it

[danreid123]

This happened to me today, I have been scammed

how long will it take for paypal to resolve the dispute

Paid with

DEBIT_CARD

You'll see "PAYPAL *MY.COM" on your card statement.

$247.19

on 18 December 2022

Exchange rate

$247.19 AUD = $158.38 USD

1 AUD = $0.6407 USD

Manage My.com B.V. payments

Transaction ID

Seller information

My.com B.V.

Purchase details

Purchase amount

$158.38 USD