Help with Super fraud dispute case

[IcyCool7227]

I am seeking help for this and have contacted the FDIC. I am waiting for their response but would I need to have legal help to get reimbursed?

On 7/6/23 there is an unauthorized charge of $61.94 from eBay on my Super Pay account that I am trying to reimbursed for. The transaction reads: eBay 0*21-10254-87520 2535 North First StreetSanJoseCAUS. This was just one part of 3 unauthorized fraud charges where there was a hacker who had logged into my eBay account. The 2 other purchases (amounts of $61.94 and $47.25 were made by the same unauthorized party that same day but charged on a different debit card by a different bank (Juno) who has already credited me the provisional credit a few days after July 6th. I have 2 screen shots to prove this. In total there was $171.13 that was charged but have only recovered $109.19. Both of these debit cards were already linked on my eBay account so they didn’t even need to have the full card details to charge.

After they had been purchased the hacker took the audacity to hide the transactions. I first realized the issue happened by the 5 emails sent by Juno on 7/6/23 at 6:42 pm CST (I have email history proof). I then called Super Pay by the time I realized this was happening and sent back a form they had emailed me on July 25th, 2023 to fill out. On Wednesday August 9th they sent back a letter stating: “The merchant received matching address and shipping information from the cardholder. There are also previously made purchases from the merchant that are not in dispute." It further says they will not credit me back the funds. This is not accurate though, so I called them that same day whom a representative told me to send an email if I disagreed with the decision. She said she would also follow-up and on 8/15/23 Super Pay emailed me back saying they reviewed my transaction dispute, concluding that no error occurred based on the investigated outcome of these two facts:

- The merchant received matching address and shipping info.

- There are also previously made purchases from the merchant that are not in dispute. (But this is not true because the other 2 charges stated in this complaint is currently in dispute from eBay but I have already received provisional credit for that and awaiting the final outcome.)

They also said that the decision on the case is final and cannot be reversed. On 8/16/23 I had read an article about asking for fraud investigation documents from an attorney’s website, so I sent an email that same day requesting those. On 8/18/23 I followed up for an update having received no response and then on 8/22/23 I received the dispute communication response from the merchant eBay that Super Pay emailed back. I can provide the email history of this as well as that document. I also have a 7/14/23 email from eBay stating that my password needed to be changed because they thought somebody had authorized my account.

From that dispute communication response, eBay indicated that they thought I was involved in what’s known as “friendly fraud” but that is completely false. I would NEVER do anything like that. The transaction in question was for $58.99 plus $2.65 tax. I would NEVER purchase any gift card that would be over the value which in this case is $11.94. I also do not have any video game system accounts to enter the code, in particular to this case, a Playstation game system account.

Also, it doesn’t matter that the billing and shipping addresses match because this kind of transaction was electronically delivered only by eBay site messages which the scammer viewed. No physical packages or tracking numbers were received or recorded and no emails either other than what was sent through eBay messages which gets forwarded to the email address. I can confirm that the eBay account email address wasn’t changed nor was any of my personal information on my eBay account. What the dispute response here is missing however, is the IP address that was used to make the fraudulent purchases.

When this fraudulent activity did happen, I was at work on the Summerfest grounds supervising the children’s playground area as an event support staff. I had charged my cell phone up twice in the indoor section of the area where nobody but the supervisor Dana on duty had access to with a key as she locked it due to an unrelated theft of her belongings the previous weekend and according to the various timestamps of the messages sent to the eBay sellers, this rules out that somebody at Summerfest had accessed my eBay account on my phone (plus when it was charging I clicked it to put it to sleep each time and to activate the phone again a 4 digit pass code needed to be entered which nobody but me knows).

I do know from researching my browsing history earlier that day that I just discovered now (8/23/23) as well as emails in both my Gmail and Hotmail accounts that somebody had accessed my Google account at 5:32 am CST (I was in bed sleeping at the time) and tried to make a purchase with my closed Tomo card that was still linked in the Google account at 5:33 am. The email said they might have accessed it using harmful malware. There was also a text message from (name edited out) at Hello Bello at 9:13 am that I have attached seeing that I was checking out their gift cards and was wondering if she could help. At 9:37 am there was a Hotmail email notification that there was a login into my Instagram account from a Samsung SM-A105M device in Moyuta, Guatemala. I would think eBay also has records of unauthorized access. I need to have these funds credited back. Please help me with this soon. Thank you.

[sznthescore]

Often times banks prefer that one dispute with the merchant. If eBay can see the "abnormal" login attempts then that should seal the case. Working in Cybersecurity this shouldn't be hard to detect. IP data packets contain all IP information from origin to destination as well as the IP address and MAC address of the device used to view the digital gaming code or what ever it was that was purchased since nothing was actually sent/delivered. Just like MyFICO records IP addresses each time we log into to this forum. Just my opinion and two cents. EVERYTHING is tracked in the cyber world, but it's up to thorough investigations to get to the bottom of an incident.