Member Avatar for Laura_11

[name deted by moderator] has a paypal account and been using my sunrise debit bank card to make transactions that are not approved by me

Edited by JamesCherrill because: Protect third party
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Dani AI

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Thread context: reports a Sunrise debit card being used via someone else’s PayPal account. Quick priorities are to preserve evidence, stop further loss, and use the proper reporting channels rather than posting sensitive details in the public thread. and were right to flag the bank; ’s question about whether the card is attached to that PayPal account points to the first checks to make before escalation. See PayPal’s steps for reporting unauthorized activity. (PayPal: How to report an unauthorised transaction) (https://www.paypal.com/in/cshelp/article/how-do-i-report-an-unauthorised-transaction-or-account-activity-help136). (paypal.com)

PayPal checklist (ordered): review Activity for the suspect transactions, open “Report a problem” and select “I want to report unauthorised activity,” cancel any Automatic Payments/subscriptions that use the card, remove the saved payment method, change the PayPal password, and enable two‑step verification. Keep screenshots of the Activity lines and any confirmation emails — these are primary evidence for both PayPal and the bank. (PayPal: 2‑step verification & account protection) (https://www.paypal.com/us/cshelp/article/what-is-2-step-verification-help167). (paypal.com)

Bank / legal actions: contact the bank’s fraud line immediately (ask for the fraud case number), request a block/replacement debit card, and submit a written dispute under the Electronic Fund Transfer Act (Regulation E). Timelines matter: banks must investigate and may provisionally credit accounts within 10 business days; Regulation E limits consumer liability if reported promptly (e.g., $50 if reported within two business days; different limits apply thereafter). Keep a log of every call, name, and case number. (Regulation E — consumer liability & error resolution) (https://www.consumerfinance.gov/rules-policy/regulations/1005/6/). (consumerfinance.gov)

If fraud/identity theft is suspected, create an IdentityTheft.gov report and obtain a local police report to support disputes and chargebacks. Consider placing a fraud alert or credit freeze with the three bureaus, scan devices for malware, change related email/passwords, and, if the bank is unhelpful, file a CFPB complaint or use sample revocation/stop‑payment letters for automatic debits. Avoid posting card numbers, account numbers, or full names on the forum. (FTC/IdentityTheft.gov; CFPB guidance on stopping auto‑debits). (https://www.identitytheft.gov/) (ftc.gov)

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Member Avatar for rproffitt

A few issues here.

  1. Not on topic.
  2. Not how to deal with such problems.

That out of the way, contact the bank to dispute the charges and issue a new card so the abuser loses access to said account.

Member Avatar for Dani

Who is [name deted by moderator]? Do you feel like your credit card is attached to her PayPal account?

Edited by JamesCherrill because: Protect third party
Member Avatar for John_165

Why not call banker?

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