Paypal unauthorised payment
Discussion
I recently noticed a subscription payment made through my Paypal account of £79.99 to 'ITunes & App store', this was odd because I do not have an Apple account & have not had one for about 12 years. Checking my Paypal subscriptions list there was indeed an account in that name, it had been created in November 2018 & had been debited 99p, unnoticed & nothing since, until now. The money went straight out of my bank account via Paypal.
I opened an unauthorised transaction dispute that was quickly rejected due to it being a 'authorised transaction' I then spoke to Apple who confirmed that my old account was idle & had no subscriptions attached to it. I gave them the invoice I.D 'MLTLQJDNJGa0' and the operator thought that it was a correct format I.D, the same goes for the recipient email address which was : Paypal_uk_itunes_gbp@apple.com. I ran this address through an email checker & it came back as bad.
I reopened my dispute with Paypal after speaking to them & being instructed to submit my findings, they have just rejected it again because the transaction was 'not unauthorised' Has anyone had anything like this before? A quick Google throws up a few similar cases but from 2010. It is a bit frustrating as all the evidence points to a scam & I have hit a wall with Paypal. I have tried to call my bank to discuss but was left hanging on for ages!
Thanks in advance
I opened an unauthorised transaction dispute that was quickly rejected due to it being a 'authorised transaction' I then spoke to Apple who confirmed that my old account was idle & had no subscriptions attached to it. I gave them the invoice I.D 'MLTLQJDNJGa0' and the operator thought that it was a correct format I.D, the same goes for the recipient email address which was : Paypal_uk_itunes_gbp@apple.com. I ran this address through an email checker & it came back as bad.
I reopened my dispute with Paypal after speaking to them & being instructed to submit my findings, they have just rejected it again because the transaction was 'not unauthorised' Has anyone had anything like this before? A quick Google throws up a few similar cases but from 2010. It is a bit frustrating as all the evidence points to a scam & I have hit a wall with Paypal. I have tried to call my bank to discuss but was left hanging on for ages!
Thanks in advance
Sorry I haven't got the solution you're looking for but, perhaps unlink paypal from your bank account and connect it to a credit card instead, so you can invoke the mighty powers of Section 75 of the Consumer Credit Act if stuff like this happens again (which it could by looks of things).
ReverendCounter said:
Sorry I haven't got the solution you're looking for but, perhaps unlink paypal from your bank account and connect it to a credit card instead, so you can invoke the mighty powers of Section 75 of the Consumer Credit Act if stuff like this happens again (which it could by looks of things).
No you can't.Ah. Apologies OP.
What you can definitely do is close your account - or at least go through the procedure with paypal and make them understand that's what you intend because of the fraud. If you close it, can you re-open another? Can you go ahead and have two, then close the problematic one?
(then of course, PP may say, 'sorry, can't refund you because you've closed your paypal account' - the Kafka-esque aspects of modern life...)
What you can definitely do is close your account - or at least go through the procedure with paypal and make them understand that's what you intend because of the fraud. If you close it, can you re-open another? Can you go ahead and have two, then close the problematic one?
(then of course, PP may say, 'sorry, can't refund you because you've closed your paypal account' - the Kafka-esque aspects of modern life...)
Edited by ReverendCounter on Tuesday 23 June 18:17
Maybe presumptuous of me, but if you don't have an Apple account then the chances are you are an Android user.
I recommend setting up 2FA on Paypal and using Google Authenticator, it'll mean even if your password is compromised a payment cannot be made to a new recipient unless the rolling code is used from the Authenticator app. So they'd have to have your Paypal password, your Google account AND your phone to do this again.
I recommend setting up 2FA on Paypal and using Google Authenticator, it'll mean even if your password is compromised a payment cannot be made to a new recipient unless the rolling code is used from the Authenticator app. So they'd have to have your Paypal password, your Google account AND your phone to do this again.
sicarumba said:
Maybe presumptuous of me, but if you don't have an Apple account then the chances are you are an Android user.
I recommend setting up 2FA on Paypal and using Google Authenticator, it'll mean even if your password is compromised a payment cannot be made to a new recipient unless the rolling code is used from the Authenticator app. So they'd have to have your Paypal password, your Google account AND your phone to do this again.
This! I recommend setting up 2FA on Paypal and using Google Authenticator, it'll mean even if your password is compromised a payment cannot be made to a new recipient unless the rolling code is used from the Authenticator app. So they'd have to have your Paypal password, your Google account AND your phone to do this again.
sicarumba said:
Maybe presumptuous of me, but if you don't have an Apple account then the chances are you are an Android user.
I recommend setting up 2FA on Paypal and using Google Authenticator, it'll mean even if your password is compromised a payment cannot be made to a new recipient unless the rolling code is used from the Authenticator app. So they'd have to have your Paypal password, your Google account AND your phone to do this again.
You can also use Google Authenticator on iPhones.I recommend setting up 2FA on Paypal and using Google Authenticator, it'll mean even if your password is compromised a payment cannot be made to a new recipient unless the rolling code is used from the Authenticator app. So they'd have to have your Paypal password, your Google account AND your phone to do this again.
It's almost as if there isn't a master species...
Pegscratch said:
sicarumba said:
Maybe presumptuous of me, but if you don't have an Apple account then the chances are you are an Android user.
I recommend setting up 2FA on Paypal and using Google Authenticator, it'll mean even if your password is compromised a payment cannot be made to a new recipient unless the rolling code is used from the Authenticator app. So they'd have to have your Paypal password, your Google account AND your phone to do this again.
You can also use Google Authenticator on iPhones.I recommend setting up 2FA on Paypal and using Google Authenticator, it'll mean even if your password is compromised a payment cannot be made to a new recipient unless the rolling code is used from the Authenticator app. So they'd have to have your Paypal password, your Google account AND your phone to do this again.
It's almost as if there isn't a master species...
mrkipling said:
Yep, Android user, great advice. I have had another email from PayPal overnight, it appears that they will look at the additional evidence I submitted and get back to me within 5 days. Thanks for the input everyone, I will update when I hear from them.
Can you tell us if your email address flags up on the link codenamecueball posted above? That'd give you some idea where the leak happened if so.
Hi OP
It's possible that you've 1 clicked to sign up to something once, for 99p, a message.
But didnt see etc the terms and conditions. That initial 99p and a later annual fee is probably a 'dating site' you dirty f
ker!
However, to avoid in the future, as I do, sign up to a pay as you go credit card. There's a couple of well rated ones out there. They provide an account number/sort code etc so account verification is easy. Thato what I use for online transactions.
It's possible that you've 1 clicked to sign up to something once, for 99p, a message.
But didnt see etc the terms and conditions. That initial 99p and a later annual fee is probably a 'dating site' you dirty f
ker! However, to avoid in the future, as I do, sign up to a pay as you go credit card. There's a couple of well rated ones out there. They provide an account number/sort code etc so account verification is easy. Thato what I use for online transactions.
Forums | Speed, Plod & the Law | Top of Page | What's New | My Stuff