PayPal Unauthorised Transaction Dispute Declined

jsa on 07/01/2021 - 21:15
Last edited 07/01/2021 - 21:32

Hi All,
Saw this PayPal email in morning, that I have sent 741 EUR ($1200 AU) to some seller Pecheur.com(it is in france) for the purchase of
5 off
DETECTEUR DE TOUCHE DELKIM TXI-D - DD006.
from my commbank account linked to PayPal (don't remember why I linked my bank account and credit card both to PayPal)

I never bought this so raised PayPal dispute for unauthorised transactions. Within 1 hour I received PayPal email
"After reviewing your case, we found that this transaction wasn't unauthorised and hence wasn't eligible for Buyer Protection. We've noted the account changes you've reported with this case.“

Additional info…
1)No transactions in my bank account yet.
Informed bank, guy told to wait for transaction to appear in account and or transfer funds from savings to netsaver so that $1200 transaction will be declined.

2) immediate after PayPal receipt email there were two PayPal emails
a) You have changed security question and answers. b) Unusual account activity — please log in
both these emails looks suspicious as I never received PayPal email from [email protected] always received from [email protected]

Today afternoon PayPal sent another email reference to dispute with tracking details and shipping status as shipped to my address.

Any suggestion what has happened here? Why funds are not deducted from my bank account yet? Can PayPal get money from my account later. I have unlinked my bank account.

Please suggest my options. Thanks

Update 9.30pm
$1200 gone to PayPal from my account

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Comments

  • AustriaBargain on 07/01/2021 - 21:24

    What even is that thing, some kind of fishing tool? https://www.pecheur.com/achat-detecteur-de-touche-delkim-txi…

  • brendanm on 07/01/2021 - 21:27
    +5

    Have you checked your actual PayPal account, not just some random email?

    • tooblue on 08/01/2021 - 01:51
      +1

      Yes, OP clicked the link in the first email to check his Paypal account.
      End of the story.

  • Meho2026 on 07/01/2021 - 21:31
    +13

    Are you sure the first email was legit?
    It sounds like you’ve clicked through a scam email
    The scammer has responded pretending to be PayPal and then logged on your account and changed the password.
    If that’s not the case, just lodge a complaint against PayPal with AFCA

  • jsa on 07/01/2021 - 21:33
    +1

    Just lost $1200

  • jsa on 07/01/2021 - 21:35

    As per bank advice transferred funds in netsaver, now got message account overdrawn.
    How can they do this bank account already unlinked from PayPal

    • nguyentran on 07/01/2021 - 21:40
      +1

      commbank should have advised you to revoke direct debit paypal authorisation, what did they advise you ?

      • jsa on 07/01/2021 - 21:45

        Don't worry and wait for transaction to happen.

        Whoever done this what he has got from this?
        Shipping address in mine.

        • paraneoplastic on 07/01/2021 - 22:23

          $1200 , nothing will get shipped except if they are really smart a letter or a parcel with a rock in it to really F* up your chance of a paypal dispute

        • MeesusEff on 07/01/2021 - 22:53

          Shipping address in the PayPal receipt email means nothing. I had an unauthorised Nike transaction a month ago, realised it when a legit PayPal receipt was sent to my email, with my old address as the shipping address. Later, Nike confirmed the real shipping address was in SA (I'm in WA)

  • adam on 07/01/2021 - 21:39
    +4

    Did you have 2 factor authentication on your Paypal? Where you using a password that you've used on any other website?

  • jakka on 07/01/2021 - 21:46
    +1

    They are bite alarms for fishing, if you receive them, u can send them to me.

    In seriousness though, you need to follow up with PayPal. You have done what ou can by delinking, it might also be worthwhile reaching out to the website so they can cancel the order.

    I had a look and they do have an English version of the site.

  • holdenmg on 07/01/2021 - 21:52
    +1

    OP will have to take up fishing and learn to speak French.

    quelle horreur !

  • thatonethere on 07/01/2021 - 22:05

    In future never link paypal to a bank account (or link to one that has no money normally and can't be overdrawn).

    Also have mfa and use the app to monitor activity (ignore "from paypal" emails and text messages)

    • Melb69 on 07/01/2021 - 22:30
      +1

      You still need a linked account for payments

      • thatonethere on 08/01/2021 - 00:06

        I have my PayPal linked to a bank account with no money (well a $100). Just transfer money in as needed.

  • paraneoplastic on 07/01/2021 - 22:21
    +5

    if a transaction is done on your paypal (that is on the time of the initial email), the funds automatically get deducted from your bank/CC, given that there was a lead time after you clicked the email sounds like you got phished (which is very very ironic given the item :( ), paypal are retardedly slow no way they would close a case in 1hr, all very suss.

    I would a). go on your phone/different computer and login to paypal and see if the dispute is on there/closed etc if not pursure a disputre

    If b fails, call commbank and start a chargeback

  • pharkurnell on 07/01/2021 - 23:12
    +1

    Check your everything for spyware… pcs etc the works….

    then go somewhere else and change all your passwords not using your usual machines
    https://www.useapassphrase.com/ check ya passwords there to see how hard to crack..

  • nickl99 on 07/01/2021 - 23:35
    +1

    You have 2 options 1) get your bank to charge-back. https://www.withintheflow.com/ecommerce/how-to-chargeback-on…, or 2) file a consumer case against bank/paypal: https://www.consumer.vic.gov.au/products-and-services/refund…

    Paypal has become very stubborn recently due to a huge back-log of fraudulent claims made on it, that they auto-deny based on a simple algorithm like: 1) your browser and pc made the purchase (easily checked with cookies/log data), 2) The address hasnt changed from your primary address, which hasnt changed recently.

    How the scammer benefits from this I am not always sure: they may call the shop or spoof being you and thus request new shipping address, or they may have also hacked your email address and put a forwarder on so they receive all the same email as you (common hacker trick for hidden persistence). I have also heard of shops doing this with fake expensive inventory so they receive the funds, hiding their personal identity behind a shell company, rather than just simple sending $ from your paypal to themselves, which undergoes more scrutiny, and has tighter fraud controls, evidence trail.

  • MS Paint on 08/01/2021 - 07:14
    +2

    The phisher goes fishing

  • jsa on 08/01/2021 - 09:23

    Spoke to PayPal today. Lady told they will revive transactions again and inform in 24 to 48 hours.
    Not sure to wait or call bank and ask to charge back.

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