Hacked PayPal account drained with digital gift card fraud, now stuck with $7k negative balance
Back in March my PayPal account got compromised along with various other accounts via stolen browser sessions, and someone used it to buy around $7k worth of digital game card codes. Over 70 duplicate transactions in a matter of minutes, which somehow didn’t trigger any sort of fraud alert with PayPal
I immediately locked down my account and called my bank, who was able to block/refuse the majority of the charges. PayPal didn’t do shit to help, but I still made sure everything was documented on their end as well
About a week later PayPal forced the charges through again, only for them to get rejected by my bank a second time. PayPal then placed a negative $7k balance on my account. The most support will do is reopen denied cases, because they just get rejected again once the vendor responds
I’m not disputing whether the merchant delivered the codes. I’m saying my account was hacked and I never authorized the purchases in the first place. I’ve repeatedly asked PayPal support, supervisors, anyone I can get ahold of, to provide documentation showing the account activity, login history, IPs, anything tied to the day of the attack, and I’ve received nothing
I filed a CFPB complaint today because I genuinely feel like nobody at PayPal is actually reviewing this as account takeover fraud. They just keep focusing on whether the merchant fulfilled the order. At this point I don’t even care about restoring the account because I’ll never trust PayPal again, but at this amount I fully expect them to eventually send it to collections
Has anyone here actually gotten PayPal to reverse something like this? Did CFPB escalation help at all?