Yesterday I received an email stating that I’d just transferred $1649.00 to  I didn’t and immediately got off the phone with a client to call Paypal and then my bank.  Both stated they wouldn’t be able to help me until the pending authorization cleared or was terminated. It turns out the bank had been calling me all afternoon because the security team flagged the transaction.  I thought it had to do with my new debit card coming in the mail.  I was wrong.

I use a small credit union and 80% of the time I get the same person, Chris, when I call there.  When he picked up I felt like a huge sense of relief!  He offered me the option to block any charges from Paypal which would cost me $20 OR I could shut down the account and open a new one.  I was reluctant to do this because I have several ACH transactions coming out each week and it would’ve been a hassle to close the account and reset all of my bill pay accounts.  I would have been open to closing the account if really came down to it but my mom is still on this account.  I have had this account since college and she’s been on it ever since, I just never bothered to take her off.  Don’t worry she isn’t calling into the bank and snooping on our money LOL but I just never bothered to have her sign the papers and take her off.  And, if I wanted to close the account to thwart the thieves then I’d need to go to NY, have her sign it, get it notarized, do the same for my husband and I and then get the account closed.  So, that wasn’t going to happen, not with time passing and the authorization about to clear.

Talk about PISSED.

Paypal can’t stop the authorization before it clears and my bank at best could do some sort of ACH block to stop the payment from being taken from my account.  But they didn’t even see the authorization as pending on my account which made the situation even more frustrating.

I called directly thinking this is my last resort because I was steaming hot pissy mad at this point.  After a few calls I got their customer service/billing department on the phone and reported what had happened.  The rep who handled the situation was really kind and understanding so I appreciate her empathizing because I was HOT!  She pulled up the order and said person ordered a SERVER and planned to have it shipped to TEXAS but using my contact and billing information.  She gave me the order info and customer number then transferred me to the department authorized to cancel the transaction.

The rep who ended up canceling the transaction had all these questions for me as if it was so damn impossible for someone’s Paypal account to get hacked.  Im like, dude STFU and cancel the transaction or I will have your company up on fraud charges once I sign this affidavidt.  Don’t play with my money.  I quoted and read from the several search results about Lenovo’s history of charging people for items they never ordered.  Save that $hit for someone who gives a f8ck and research it yourself.  Cancel the order, terminate the authorization and I will be on my merry way.

He did.

I called back late last night to confirm with another rep and said transaction had been canceled with the authorization terminated.

Still, I will be checking my account through Friday to make sure no random authorizations are placed and checking all transactions.  Since using Rudder I’ve been rather anal in checking my account daily to assign bills that have bee paid but I am lucky because my clients canceled yesterday and had they not I wouldn’t have noticed the email from Paypal until late last night.

Next steps?  Since I feel so open and vulnerable there’s no telling what other financial information these folks have on me since they logged into my Paypal account from Georgia per Paypal’s security team.  I’m thinking that I need to add the MyFico Credit alerts to my account and continue to check my bank account.  I also plan to call my bank and Paypal to see about fraud charges against the person in Texas and the person who logged into my account from Georgia.  The last thing anyone should do is mess with my money.  I am not the one.

What would your next steps be at this point?