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Thread: Fraudulent PayPal transaction

  1. #26
    Super Member KyKaren1949's Avatar
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    Not too long ago I was ordering something on ebay and intended to pay for it with my PayPal account. I was told the account was frozen and I couldn't use that account, nor would they let me put anything on a personal charge or debit card. I was furious because I thought they were telling me my credit was bad. They suggested I call PayPal and find out more information.

    Apparently, PayPal was acting on my behalf by freezing my account. They informed me of an attempt to use my account by someone in another country. They were alerted somehow. We went through some security questions, changed the password, etc and they reinstated my account. I was so relieved they had discovered the fraud attempt before it happened.
    Karen in Kentucky

  2. #27
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    I have never had any trouble with paypal and i have used it for years
    Mary

  3. #28
    Super Member OHSue's Avatar
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    I have been using Pay Pal as a buyer and seller for about 15 years and never had a problem. Had one eBay sale that wasn't properly handled and Pay Pal fixed the issue and gave me my money back. I have less worry about Pay Pal handling my money than the guy at the gas station, Pay Pal will be there years from now, that guy could be gone tomorrow.

  4. #29
    Super Member IrelandDragonQuilting's Avatar
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    Super scary! I do have to say, that I will not order anything online if they do not take paypal. Paypal is the only way I pay for anything online, I have had them for years and never any problems that did not get cleared up quickly. It is sad that we have to deal with such people!
    Resolve to be thyself, and know, that he who finds himself, loses his misery. Mathew Arnold 'Self-Dependence' 1822-1888

  5. #30
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    I was going to get the prepaid cc to use online. I did research then went to walmart. Cost me 3.00 to buy it, then found out it would cost 3.00 every month! Plus you have to activate the card!! To do that they want your dob and ss#!!! They said because of homeland security! No way do i give that out!!! Luckily they refunded my money i had on the card and cost of the card . Dont do it!!

  6. #31
    Power Poster earthwalker's Avatar
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    I only use a credit card for any on-line purchase and it is not linked in any way to my bank accounts. I have found Pay-Pal to be excellent, so far, and our bank has very good terms for credit card users in case of fraudulent transactions. The situation you describe certainly does sound fishy.....trust you find some resolution/answers. Being constantly vigilant is so tiring....but these days essential.

  7. #32
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    This is another reason why I don't answer any emails "From" paypal or any one else saying to click on a link to update my account. Most if not all are scams but people do it all the time. I just got one from Bank of America saying there were too many unsuccessful attempts to login to my account so they put an extra procedure on my account for me to log in and to click the link. I had just been in my account and had no problems getting in. If I'm in doubt about any one I owe I'll type their address in the bar and go to their site and most of them have a message center to leave you a message if needed. If I were the real customer I'd let paypal know and cancel that account and create a new one. I like my bank; any time I log in it sends me an email and a text message to let me know a login has just been made. I can handle that; knowing is always good.
    Judy

  8. #33
    Super Member MaryAnnMc's Avatar
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    If you are truly concerned, call the police department in the town where woman lives. If it's Identity Theft, they should be interested in pursuing. If the woman just had buyer's remorse, she won't do it again.
    aka Chicken McLittle

    If it's true we learn from our mistakes, I'm going to be a genius!

  9. #34
    Super Member May in Jersey's Avatar
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    " Apparently, PayPal was acting on my behalf by freezing my account. They informed me of an attempt to use my account by someone in another country. They were alerted somehow. We went through some security questions, changed the password, etc and they reinstated my account. I was so relieved they had discovered the fraud attempt before it happened. "

    DH had a similar experience with Pay Pal but he couldn't get his account unfrozen so he discontinued using Pay Pal.

  10. #35
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    "sorry but i do have to disagree with you- i've been using my paypal account for almost 10 years---and have found it to be the safest way to conduct alot of business transactions- and i have dealt with customer service a couple times- they are very knowledgable and fix things right away"

    Well, you are free to disagree with me, but I am just telling you about my experience. They stole almost a $1000 dollars from me and paypal was going to have my money tied up for months and treated me as if I was the thief. I called them many times and always with the same unhelpful results. They even denied that my not receiving email confirmations on the fraudulent transactions was possible. They claim it was my email settings or that it went to my spam folder. Neither was the problem and I received all the legitimate emails about my transactions from them immediately so somehow the thief was able to bypass the notifications. The only thing they did is remove the fraudulent names and addresses but even that took a couple of weeks. Thank goodness, for my bank. They did everything that paypal wouldn't and didn't treat me like I was the one at fault. If you have had good results from them, that is great. But I have heard many stories similar to mine. I hope you continue to have good results from them and never have to deal with what I did.
    Last edited by parrynj; 06-16-2012 at 05:22 AM.

  11. #36
    Junior Member homebody323's Avatar
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    I'de be curious to know if pay pal will be charging you the % rate for the purchase since the money actually reached your account?
    Sally Dolin
    Rock Island, IL

  12. #37
    Super Member AZ Jane's Avatar
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    I got that message and I don't have a Bank of America account!! LOL!
    Quote Originally Posted by romanojg View Post
    This is another reason why I don't answer any emails "From" paypal or any one else saying to click on a link to update my account. Most if not all are scams but people do it all the time. I just got one from Bank of America saying there were too many unsuccessful attempts to login to my account so they put an extra procedure on my account for me to log in and to click the link. I had just been in my account and had no problems getting in. If I'm in doubt about any one I owe I'll type their address in the bar and go to their site and most of them have a message center to leave you a message if needed. If I were the real customer I'd let paypal know and cancel that account and create a new one. I like my bank; any time I log in it sends me an email and a text message to let me know a login has just been made. I can handle that; knowing is always good.
    Better to do something imperfectly, than nothing perfectly.
    Done is better than perfect.

  13. #38
    Super Member Favorite Fabrics's Avatar
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    Quote Originally Posted by homebody323 View Post
    I'de be curious to know if pay pal will be charging you the % rate for the purchase since the money actually reached your account?
    A valid question!

    When you issue a refund, PayPal does remove that % fee. The only thing they do not remove is the 30-cent fixed fee (which is on every transaction). My guess is that the fixed fee is similar to the "gateway" fee that a merchant incurs for all credit-card transactions. The gateway (commonly Authorize.net or Verisign) is the go-between that communicates between the merchant's account and the customer's account, and it checks to see if there are enough funds to cover the transaction and if so, charges the card .

  14. #39
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    Dear Favoritefabrics,

    I hope this problem works out for you. Maybe fabric can be shipped a little later. I would like to suggest this might be why some businesses have a five day waiting period before returning money. They are using those cheap throwaway phones. They (who?) got money from one of my sons about a car part.

    p.s. They didn't want the fabric just the money. If the fabric was shipped it was a bonus.
    Last edited by quilter68; 06-16-2012 at 06:40 AM. Reason: additional info
    Quilter 68 who is now 69/and now 70

  15. #40
    Suz
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    Several weeks ago, I received a call from a young man who identified himself and asked if I knew "this" person. I/We did not. He said he was purchasing a motor cycle from "this person's boyfriend" on eBay and gave our address as her address. Seems "this" lives in Pittsburgh and we live in a very small village in the center of the state. How did "this" select our address. We are both in our mid-70s, do not own a motorcycle and I doubt it was a girlfriend. I assured the caller that we had no knowledge of the transaction. I understand from the caller that the eBay fraud group as well as the state police are involved. -- Am wondering how this turned out.

    I wish these fraudsters would spend as much time in legitimate activity as they do in ripping us off. Obviously, they are "smart" folks.

  16. #41
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    I had an e-mail from "PayPal" a week or so ago confirming an order for a Taylormade golf club in the amount of $537.48. I panicked like crazy. I called PayPal (wasn't too easy to find the phone number, though), and they confirmed that there was no transaction on my account. I went to the credit union the next morning and cancelled the debit card attached to my PayPal account. (However, the teller COULD have told me there was a $5 fee for that.) I watch my bank account very closely as I am on unemployment.

    If you get e-mails like that DO NOT CLICK ON THE LINKS in the e-mail. Go to the link by typing the URL in the menu bar. If you go through the e-mail, they (and we all know who THEY are) have your information and can hack your accounts.

  17. #42
    Super Member donnalynett's Avatar
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    This is why I do not use Pay Pal. There are a lot of times I see quilting board members who have beautiful fabric for sale but accept Pay Pal only so I don't order from them as I just don't trust using Pay Pal. I know we are all a little leery about personal checks but with small amounts I don't see it as a problem and prefer to pay with my personal check.

  18. #43
    Super Member butterflies5518's Avatar
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    I have been the victim of bank account fraud 2x in the last year and both times my bank caught it quickly (within minutes/same day). I keep all my account alerts at any transaction over $.01, I get instant text messages (literally 5 seconds while I am putting my wallet back in my purse!) and then a phone call. Sometimes its a pain but I would rather 1 minute of my time versus all the hassle of getting new cards, etc. I have had a paypal account for over 10 years and not once had any issues.
    Last edited by butterflies5518; 06-16-2012 at 09:54 AM.
    Quilting makes me happy!..

  19. #44
    Super Member butterflies5518's Avatar
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    Quote Originally Posted by BeckiB View Post
    I had an e-mail from "PayPal" a week or so ago confirming an order for a Taylormade golf club in the amount of $537.48. I panicked like crazy. I called PayPal (wasn't too easy to find the phone number, though), and they confirmed that there was no transaction on my account. I went to the credit union the next morning and cancelled the debit card attached to my PayPal account. (However, the teller COULD have told me there was a $5 fee for that.) I watch my bank account very closely as I am on unemployment.

    If you get e-mails like that DO NOT CLICK ON THE LINKS in the e-mail. Go to the link by typing the URL in the menu bar. If you go through the e-mail, they (and we all know who THEY are) have your information and can hack your accounts.
    This just made me think, we get paypal "receipts" to our department email account at work and we do not make any purchases! Does keep one on their toes for their own accounts.
    Quilting makes me happy!..

  20. #45
    Senior Member ljsunflower's Avatar
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    Quote Originally Posted by parrynj View Post
    Paypal is not safe! Someone hacked into my account (I was not phished) and was busy buying on ebay with money from my checking account. Somehow they were able to bypass any confirmation emails to me whenever they were in my account even though paypal said my email was the only one registered to my account. Frankly, I suspect that it was a paypal employee who was stealing from my account. The creep added four names and four addresses to my account without me ever knowing. I discovered the fraudulent charge when I was looking at my checking account balance on-line and reported it to paypal. They did next to nothing to help, it was my bank that took care of everything. They refunded my money immediately with no questions asked. Paypal's customer service was horrendous and I ended up canceling my account with them. Will never use it again!
    This is almost exactly the same thing that happened to me. I no longer have a paypal account & won't ever deal with them again. Customer service -- eh, what's that?
    A government big enough to give you everything you want, is strong enough to take everything you have.

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  21. #46
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    have your credit card block or cancel any transaction with Pay Pal''''that usually takes care of it. Good luck!

  22. #47
    Super Member amyjo's Avatar
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    Quote Originally Posted by kathdavis View Post
    I have to wonder if you should have refunded her the money. I wonder if they are now in your account or if she ever actually paid you before you refunded her. Something is not right.
    I think you got scammed big time. Contact paypal. I have been getting emails from people who said I ordered from them and thenuse paypal to notify me. Paypal and Ebay use your name. these others were just trying to get a person to click on the link an dthey are in your money whereever you have it. and it can take a couple of years sometimes before charges show up, as we had a friend who took his motorhome on a trip to the bike rally in SD. two years later he had charges pop up from somewhere and he had to straighten that out. that is why we don't have credit cards. too easy for someone to make a copy when you are out eating and give your card to pay the bill.

  23. #48
    QKO
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    Nancy, I think you possibly saved yourself from a big scam by not shipping the order until after the e-check had cleared.

    The scam was probably intended to work a little differently, i.e. they were hoping you'd ship the order before the e-check cleared, then would do as they did -- call you and claim it was a fraudulent order. They get the merchandise, the e-check gets cancelled, and you're out all of it. The e-check was possibly also purchased with a stolen credit card.

    Another, even more likely possibility is that your customer was the victim of the well-known "secret buyer" money order scam. That works like this:

    The scammer "hires" the victim as a "secret shopper." Scammer sends the victim a large money order, like two or three times the amount required to purchase the product, then instructs the victim to buy whatever product they want for a certain amount, say 1/3 or half of the face value. The victim is to cash the money order, send half or two-thirds of the money to the scammer, then use the rest to buy product which they are then to keep for their "fee."

    Too good to be true? Right! The victim ends up finding out after several weeks that the money order is counterfeit, and the victim is required to pay back the entire amount to the bank that cashed it. It has happened that the victim has even been arrested for passing counterfeit money orders.

    Your buyer could very well have been caught up in this kind of scam, and is too ashamed to admit it, thus the failure to acknowledge your calls or emails.

    Anyway, happy it turned out ok for you.

  24. #49
    QKO
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    Quote Originally Posted by amandasgramma View Post
    A friend has this idea for safely ordering thru the mail.
    She opened up a free account at a different bank than her own. She got a debit card. She figures out how much she'll need for a purchase, puts that much money in that new bank account (always leaves $10.00) and uses THAT account to make purchase. They can not access more than she has in the account -- I believe there is a setting that won't let anyone charge more than what's in the account. That way, if she DOES have a fraud then they don't affect her living expenses.
    It's a really good idea to use a separate pre-paid credit card or a separate bank account debit card for your online transactions.

    However, as a seller who handles lots of these transactions, there is one condition that you need to be aware of when you're using this method;

    When you charge something to a credit or debit card, in most cases its a two-step process.

    First, when you place an order online, your seller puts an "authorize" transaction in for the amount you are charging, sometimes for more than the amount you are charging. This reserves the funds for the seller, but doesn't actually transfer them to the seller.

    When the seller ships the order, she puts in a "capture" transaction, which completes the process and transfers the funds from your account to hers.

    However! And this is a big However! If the amount of the transaction changes in any way, by even one cent, from the authorize to the capture, MANY banks and cc companies require a re-authorization on your account before the funds can be captured.

    Well, you say, why should I care about this? Here's why.

    Say you ordered something and the shipping cost was estimated a little high to start with, and the seller adjusted the shipping cost down when they went to ship. If you had one of these accounts, like Capitalone Mastercard among many others, the seller's system would be required to re-authorize the transaction when it attempts the capture transaction. Since it's for a different amount, the credit card company or bank's system treats it like a new transaction. However, the original authorization is good for up to a month, and the funds are already reserved by the original authorization. Thus, if you ONLY HAVE enough funds to cover the amount of the purchase, the capture transaction will be refused by the card company. Then the seller will have to contact you and get a different method of payment. It's very frustrating for everyone, since the buyer knows they have the funds available.

    So, what I would suggest, is that you use this method of having a separate account for online purchases, but always have DOUBLE THE AMOUNT OF FUNDS that you need to complete the transaction. That way you will be able to avoid situations like the one described, and your seller will be able to service your order more quickly and with less hassle.

  25. #50
    QKO
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    Quote Originally Posted by mary catherine View Post
    have your credit card block or cancel any transaction with Pay Pal''''that usually takes care of it. Good luck!
    I don't think this is a good idea if you're shopping online, or using a credit or debit card anywhere.

    Perhaps you weren't aware of this, but Paypal is one of the largest merchant services credit card processors on the planet. Probably 1/2 or more of all online stores, and many of the brick and mortar stores that you shop at use Paypal as their credit card processor.

    Blocking Paypal wouldn't be very productive, if, in fact, say your local grocery store was using Paypal as their credit/debit card processor. You might have a nasty surprise in the checkout line.


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