You know the old saying, “Shame on you if you fool me once, shame on me if you fool me twice”? Well this situation definitely works with the phrase.

In the past year or two, I’ve been shopping online more times than I actually shop at my local mall. I shop on Amazon, Ebay, Bookish Box, etc. Whenever I shop, I always use PayPal, because it’s supposed to be the safest way to shop online without getting your card information hacked…right?

For me, at least, this is very, very wrong! My bank account was hacked last year. It was only $50, but at the time I was still working a student job, 12-18 hours a week at minimum wage. So $50 was a lot to me. It still is now, but it meant a lot more to me back then.

Thankfully my bank noticed the transaction as odd and cut off my card from making online transactions, so I had to call my bank and let them know I didn’t make the purchase. So they cancelled my card, refunded me the money, and I had to make a new card. We were able to detect that my card was hacked through PayPal. It’s the only online place that has my card information. And I change my passwords often.

Lesson learned, or not.

About a month or so ago, I was out with my Mom when I received a text message from my bank saying they noticed some strange purchases made with my card. After confirming that it was me texting back to the automated text, they listed the strange purchases. They were five transactions of exactly $31.13 for some international calling top-up card thing.

So I had to call my bank again and let them know that I had not made any of these purchases. They once again refunded me the money (total of around $150) and cancelled my card, so I had to get a new one again.

Mom and Dad joke that eventually my bank will just cancel my account completely if I keep getting hacked -.-”

It was confirmed again that it was through PayPal that my account was hacked. So I took my bank information off of my account. I’m only going to use it now for prepaid visas, which won’t be linked back to me account -.-”

Has anyone else experienced their accounts being hijacked by random strangers online? Or have they been messaged by people who ask for your card information because they need your money to escape, etc?

I also actually Tweeted out to my bank to thank them for catching the fraud purchases so quickly, and they tweeted back that it’s their job and they’re happy to help lol.

Here is a link to an article with pointers on how to use PayPal correctly, not like how I used it.

https://www.creditcards.com/credit-card-news/paypal-safety-tips-1280.php

From reading this, I realized that it wasn’t a good idea to link my bank card to my PayPal. That it’s much safer and easier to link either a credit card or a prepaid card. Ugh.

 

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