Multiple unauthorised transfers from PayPal by 16 year old daughter 6 October 2020 at 9:20AM in Reclaim bank & credit card charges 53 replies 2.4K views

maryjane11

couriervanman said:

maryjane11 said:

CocoM2020 said:

How did she log into her mums account?

I don’t know, but without permission. Mother did renew her password just prior to this so assuming daughter was in vicinity to take note.

If that's the case the mother is at fault.......tough luck no refund from PayPal and quite rightly so

Thanks, I’m sure she’ll appreciate your well thought out response 

maryjane11

Anyone got any insight on PayPal allowing an underage account without due diligence.
Also as there were about 40 transactions to he same person didn’t raise any red flags.

Thrugelmir

How did the daughter access the mothers bank account?  Cash has to be transferred to PayPal account from the bank account . 

elsien

Thrugelmir said:

How did the daughter access the mothers bank account?  Cash has to be transferred to PayPal account from the bank account . 

She didn't need to access the mother's bank account. Sounds like she set herself up as a payee on her mother's account then used the existing balance and made the payments to herself on the Paypal account they let her set up without checking her age.
OP, I'm not sure why you'd think that multiple payments to one person would raise a red flag? 

noitsnotme

maryjane11 said:

Anyone got any insight on PayPal allowing an underage account without due diligence.
Also as there were about 40 transactions to he same person didn’t raise any red flags.

I don’t really think that’s relevant at this stage.  It could be if the bank can make a chargeback stick and the daughters account ends up negative as in the other example.  I don’t think it has any bearing on attempting to get the money ‘back’ from the daughters PayPal account into the mothers PayPal account but I could be wrong.

They could try a written complaint to PayPal and failing a suitable resolution then take it to the FOS but I have no idea how successful that may or may not be.

https://www.financial-ombudsman.org.uk/faqs/all/can-complain-paypal

noitsnotme

Thrugelmir said:

How did the daughter access the mothers bank account?  Cash has to be transferred to PayPal account from the bank account . 

She didn’t access the bank account directly.  In the OP it states the mothers PayPal account was funded with a HSBC debit card.  So even if the PayPal account was empty, the transfers the daughter did from mothers PP account to her own PP account would have debited mothers HSBC account.

Certainly a lesson there to the mother to regularly check her bank statement if she managed to miss 40 transactions!

maryjane11

If you make a transfer on PayPal it will take the funds from whatever bank account is linked to it. You don’t need access to that bank account, only access to the PayPal account.

I just would have thought a new unverified account receiving multiple  payments might get flagged. I’ve had flags for a lot less. 

Blackbeard_of_Perranporth

Why should PayPal or my bank repay the mother because of the theft by the daughter?

How did OP's daughter log into her mothers PayPal account without access to the password or phone? My PP account requires 2FA and texts me a code to get access.

I would suggest that OP tells the mother to put some of her daughters trinkets on ebay to recover her loss and dock their pocket money accordingly.

noitsnotme

Blackbeard_of_Perranporth said:

How did OP's daughter log into her mothers PayPal account without access to the password or phone? My PP account requires 2FA and texts me a code to get access.

I don’t think PayPal have made 2FA compulsory yet.  The help pages indicate that you ‘can’ activate it.

https://www.paypal.com/uk/smarthelp/article/what-is-2-step-verification-faq4057

societys_child

Sixteen years old and committing fraud against her own mother has nothing to do with PayPal.

Trying to use the account she opened by lying is just a Red Herring. She's old enough to know what she was doing.

This is between the family, it's up to them to sort it between themselves.