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这个栗子参考一下吧，祝你成功
http://www.fatwallet.com/forums/finance/679371/
I woke up last Thursday to find a Paypal withdrawl from my checking account for $1029. It was a cash transfer in EUROS converted to dollars to some guy who I obviously never heard of nor authorized. I filed a complaint (denied) and an appeal (also denied) with PayPal and both were turned down within 2 hours of filing saying:
"We have completed our investigation of your case and, as there is
insufficient evidence in support of your claim, we have denied your
Unauthorized Account Use Claim."
They won't reveal what the evidence was other then their CSR to insinuate the transaction was logged from an IP address consistent with my computer which of course they won't give me. They wouldn't even look at or question the recipient of the funds. If they looked I'm sure they would find multiple fraudulent transactions.
After the transaction was discovered I found a virus identified as "trojan.dropper" on my computer which for some reason Kaspersky AV didn't pick up. If the transfer did indeed come from my IP (which I don't know) there must have been some key-logger running from this trojan.
Do I have any recourse at all against PayPal or am I just SOL? I also filed a dispute with my bank, but I'm sure that will fail as well. I guess it could have been much worse since that account is tied to my Money Market account. Why he didn't try to transfer $5000 or $10000 is beyond me, I guess I should consider myself lucky from that standpoint.
I feel as if I have been violated. I just don't know what to do other then 禁用词语up the loss.
Yes, I have changed ALL my online passwords and removed my checking account from PayPal.
Any suggestions on how or where to go with this? It's really shaken me up. I'd love to sue them for the money but obviously that expense would be prohibitive and probably a waste of time.
Thanks
UPDATE (GOOD NEWS!) 12/5: Less then 12 hours after filing an "unauthorized ACH" dispute with my BANK (Wachovia) they reversed the $1029.00 back into my account. PayPal still continues to insist the transaction was "authorized." I am in the process of wriing letters the the FTC, Dateline NBC, 60 Minutes, BBB in California and my Senator and anyone else I can find to vent my frustration.
UPDATE 12/7: LOL, the bank reversed the funds back to PayPal and now PayPal is hitting the new (zero balance) checking account trying to get the $1029 back giving me a -$1029.00 balance on payPal.
UPDATE (GOOD NEWS!) 12/12: It seems they changed their mind and have determined it was indeed an "unauthorized transaction" and reversed back MOST of the money they stole from me clearing MOST of the -$1029. I still have a -$47.00 balance which seems to be the euro->USD exchnage rate (or fee they charge). If you're interested see the last message in this thread from me for details.
FINAL UPDATE 12/13 - FINALLY FULLY RESOLVED! Got my final $47+ back from PayPal after a phone call. Balance is ZERO and the nightmare is finally over! |
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发表于 2013-9-4 20:12:51
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