You do NOT need to have a PayPal account to process credit/debit card payments through PayPal. Here’s why this is a problem:ġ) YOU buy something from a vendor using your DEBIT card that is not linked to a PayPal account, HOWEVER the vendor accepts payments via PayPal. Everyone is so quick to ASSUME that a charge is fraudulent just because you don’t recognize it. It shouldn’t take long but it will save you money!įirst, everyone needs to take a breath. If you want to avoid this and other pitfalls, get used to checking all transactions on your CC every month. Either way all I need to do is notify my bank within 30 days of the transaction and I get the money back! I got it in 2 today. It seems that this phone number has a large amount of clients associated with them which is a huge red flag for me! What is most concerning is that my bank didn’t catch this despite all of the “precautions” I have placed on the account. The company Xoom is not anything I would use today. I remember numbers so this was an easy catch. Reading all of the stories I was also “skeptical” of the individuals who “forgot” a transaction. Considering all of the business done online it is easy for this to happen. Yes it is a pain in the butt but I did get my money back. I had to cancel my card and keep an eye on my bank account. Someone had gotten my numbers from my Debit card and tried to make a transaction. Second I called my back and asked how they got access. I called PAypal looking for help and they couldnt help me as it did not come from my Paypal account. It is not based in the US but is owned by Paypal.
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All was on my business account and I had to figure out how to correct this.įirst Xoom is a money transfer company for spanish speaking individuals according to their website. It had NOTHING to do with my paypal account either. Yes Xoom is owned by Paypal however paypal has NOTHING to do with them. The company listed was Xoom in the debit transaction. Some of the information here is plain wrong but it helped. My bank was closed but I immediatly searched the number to try and figure out what it was. Small amounts are usually legitimate, so the problem lies with larger transactions, so make sure you recognize all your heavy transactions.I noticed a charge on Friday night for $985.99. The last thing you can do is check the total amount that you’ve been charged with.To the same, if you use an eBay account, and see if there are any similar purchases.You’ll find a detailed description of the purchase on your PayPal account, with the seller’s name and contact information. Check for any corresponding charges on your PayPal account that feature the same date and amount.Sellers also charge “sales tax”, and a few other transaction fees, making the pending amount random. Both of these support PayPal, and it’s highly likely if you paid an amount of 25 or 50 dollars. Did you use your PayPal to donate to someone? Like a streamer, or a charity, for example.If you can search for it, type keywords like “purchase receipt, purchase confirmation, or PayPal”. Most of the time, sellers charge your account on the day of the products’ shipment, not the date of purchase, but make sure you go through your email before and after that date. Go through your email, and look for a purchase receipt before, or after the date of purchase.Were there any events at the time that required a specific purchase? The event could be anything, from wedding ceremonies to just travelling. Think back at the time of the purchase/transaction.To determine whether it’s legit or a scam, you’ll need to keep a few things in mind, even if your credit card hasn’t been charged, and your PayPal balance proved sufficient. How can you determine whether “40 or 4029357733” is legit or a scam? Someone could use your credit/debit card to make a fraudulent purchase through PayPal, so at times, it may not be legit, and you may need to contact your credit card company for assistance. If your PayPal balance is sufficient, your credit card or linked bank account won’t be charged, but if it isn’t, you’ll likely see a charge on your credit card or bank account with PayPal’s customer support contact number. The information on the statement could be different from the one mentioned on the website you’re purchasing from. See also Prime Video WA 88 WA - What Is It