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…

[priyp]

Thank you BazOnDeck. How did you Decline and Block ?? The only option I have is a BLUE ‘Pay’ button to click ?? Cheers

[BazOnDeck]

When I opened the requests via the PayPal app I had the option to pay or decline and in the options below there was the option to block sender. I did try ringing PayPal initially but just got diverted to an automated message that told me to go to the resolution centre and cancel the requests through there. But since I could cancel on the App I didn't bother. Sorry I can't be more helpful, good luck with it.

[priyp]

Thank you once again BazOnDeck. I was brave enough to open the request (which only seem to say ‘Pay’ … and then found the option to DECLINE (phew) and also Block Sender (which I did). Appreciate yr guidance. Cheers again 🙂

[Gina3331]

Yes I think we have been scammed I almost paid the 2 payments until I noticed they weren't genuine I blocked them as well I wouldn't care I didn't have the money anyway hard times ahead these people shouldn't be allowed to this

[Becca184]

Hi, 

I had the same happen to me & called PayPal. They told me that as it was a money request the funds would not automatically come out of my account. They told me to cancel the request & they are referring the request to their Fraud department. 

[Gina3331]

It sounds like yours was a different request I'm sure paypal will pay this request you shouldn't have to pay anything when it's a scam

[Becca184]

Hi Gina, 

i received a request from MVISION security Lynn Holden yesterday but only noticed it this morning. I called PayPal and they confirm that this request is fraudulent. They instructed me to cancel the transaction & they have forwarded the request to their fraud department. 

[Gina3331]

Hi becca Yes it definitely is fraud I almost paid them when I realised it was a scam I wouldn't care I didn't have the money anyways I declined payments and blocked them

[kernowlass]

@Gina3331 

@Becca184 

Sounds like a scam money request or invoice.

Scammers harvest email addresses and send out those requests hoping some email addresses are linked to paypal accounts and the unsuspecting recipient 'may' pay them not realising they are scams.

As long as you don't click to pay it then no money should be transferred.
If there is a cancel option then cancel it, if not ignore it and hopefully it should time out at some point normally 30 days.

Scammers put phone numbers in the ''notes'' section so that as its a genuine paypal invoice you think the phone number is real, its not, that is how they scam you.

[Gina3331]

Hi Thanks for the information I guessed It was fraud but wasn't sure I was shocked when I seen the amount I declined both payments and blocked them I was silly enough though to try the number in email but it wasn't recognised