PayPal Fraudulent Transaction

L[Deactivated] on 02/04/2024 - 23:36
Last edited 03/04/2024 - 09:47 by 1 other user

I recently had a fraudulent direct debit charge marked as Paypal Australia to one of my bank accounts recently.

Upon going back through the invoice history I noticed two small single-digit cent charges to the account, much like those you might receive when linking a bank account to a payment service and they ask you to recount the digits to prove you have full account access to the specified bank account.

This was barely a month ago and I have no recollection of sharing these charge details with a payment service, let alone creating a new Paypal bank connection. Moreover, my PayPal is linked to a completely different bank account, so I would have no need to setup a new direct debit connection.

Best case I'm retarded and have just done some stupid stuff regarding payments somewhere. Worst case I have some session hijacker malware on my main PC that managed to capture me logging on to my online banking (I have 2FA up the wazoo / password manager so any brute force attack would raise some flags). Tin foil case my bank has an insider.

Thoughts?

EDIT: thought it important to mention this bank account is 'dead' - not used for any recurring debits, not linked to any credit cards. Leftover account from when youthsaver expired

(apologies if this is the wrong subthread)

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  Cave Fire on 02/04/2024 - 23:47

  afaik, they only need your bank details for a fraudulent direct debit.

  • 

    zachwright95 on 03/04/2024 - 00:27

    However, with PayPal, they do send two small charges to verify the account before it may be used in pretty much any manner. You'll need to login to your bank's website, check exactly what those figures are, then enter them into PayPal. There could still be a case that the potential fraudster simply guessed what they were, when I last did mine, the figures were literally $0.01 and $0.02, so it's not out of the question.

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      Cave Fire on 03/04/2024 - 01:08

      Says it was a d/d just marked as PayPal from a bank account.

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  Ocker on 03/04/2024 - 08:55

  Settle for retarded

  • 

    iDroid on 03/04/2024 - 10:19

    regarded you regard

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  Tee Rex Arms on 03/04/2024 - 09:01

  -1

  OPSEC…phark me go back to playing COD.

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  djsweet on 03/04/2024 - 09:30

  +1

  Insider and malware are both viable explanations as you mention. Ultimately you may never know. Report it to the bank. Get the fraudulent charge remibursed. Close the account and move on.