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Queried a payment with my bank which I was unsure about.
I opened an online chat and was told the originator was JPMC Re Paypal. There was also a Bournemouth address and phone number.
JPMC meant absolutely nothing to me. I asked if there was a company name (aside from Paypal) or product or service associated with this payment. I was told that was all the information they had.
So I rang CS and they investigated. I was told that because it was a Paypal payment, I would be better talking to Paypal. They told me they had a contact name and number for Paypal: Maureen Whitmarsh and an 01202 number. They told me these payments had been going out of our account since March 2016, one month after we opened it.
I queried the fact that in my list of DDs (in my banking app), there were two entries mentioning "Paypal". One that said "Paypal Payment" and another that said "JPMC Re Paypal".
I was expecting the second entry to have the payment I was questioning listed under it, as it matched exactly the originator of that payment.
But to my surprise, there were no payments listed under "JPMC Re Paypal" DD entry. The amount in question was listed under "Paypal Payment", along with other things I recognised that I had paid for using Paypal. I was perplexed and the CS agent didn't understand why either.
I Googled "JPMC". It told me it stood for JP Morgan Chase. OK, I thought. I have a Chase card (which I applied for to use on holiday), but I have never paid them anything, least of all by Paypal. And in any case, the card was recently applied for.
Next I thought I would ring Maureen at Paypal and all would be explained. Wrong. Dialled that 01202 number and I got instantly cut off. Tried it three times in case it was glitch with my mobile.
Then I googled her name and the phone number, which threw up several messages in fora suggesting it was a scam.
I was a bit thrown by this, so I had a think what the payment might be for. I knew Netflix were taking money every month, but that amount didn't ring a bell. I didn't want to cancel it until I was sure it was a scam.
I tried to log into my Paypal account but it was down. So I logged into my Netflix account and rang them. They told me that I had been a member since August 2014 and that my latest payments had increased to match the amount I had queried with my bank. But I still wasn't sure that it was a kosher payment.
I rang the bank again to ask if they could flit back through my statements to cross-reference all the amounts (the Netflix fees had increased over the years, so if the amounts on my statements had done so at the same time, I could be sure it was a kosher payment to Netflix). Turned out I had to do it via my banking app, so I checked some at random and they matched.
Finally, later in the day I was able to access my Paypal account and could see the amount was for Netflix.
The reason I have posted this thread is to try and help others who may, as I did, Google that name and number and, as I did, come across all the suggestions that it is a scam.
There are still some out there who are convinced they have been scammed and have cancelled the DD and demanded refunds from their banks and no doubt some of these are scams. But I think some of them may be genuine payments.
It doesn't help that the only payment reference is to Paypal, not to the company product or service you are paying.
It doesn't help that JPMC means nothing to most people, nor that Maureen has a contact number that refuses to accept your call.
And it doesn't help that if you want to set up a DD, all you need in many cases is a sort code and account number.
The DD guarantee will refund any unauthorised payment, but I'm not sure that will cover small regular payments that have been going out for months or years that can be easily missed if you are not vigilant.
I hope this helps people!
I opened an online chat and was told the originator was JPMC Re Paypal. There was also a Bournemouth address and phone number.
JPMC meant absolutely nothing to me. I asked if there was a company name (aside from Paypal) or product or service associated with this payment. I was told that was all the information they had.
So I rang CS and they investigated. I was told that because it was a Paypal payment, I would be better talking to Paypal. They told me they had a contact name and number for Paypal: Maureen Whitmarsh and an 01202 number. They told me these payments had been going out of our account since March 2016, one month after we opened it.
I queried the fact that in my list of DDs (in my banking app), there were two entries mentioning "Paypal". One that said "Paypal Payment" and another that said "JPMC Re Paypal".
I was expecting the second entry to have the payment I was questioning listed under it, as it matched exactly the originator of that payment.
But to my surprise, there were no payments listed under "JPMC Re Paypal" DD entry. The amount in question was listed under "Paypal Payment", along with other things I recognised that I had paid for using Paypal. I was perplexed and the CS agent didn't understand why either.
I Googled "JPMC". It told me it stood for JP Morgan Chase. OK, I thought. I have a Chase card (which I applied for to use on holiday), but I have never paid them anything, least of all by Paypal. And in any case, the card was recently applied for.
Next I thought I would ring Maureen at Paypal and all would be explained. Wrong. Dialled that 01202 number and I got instantly cut off. Tried it three times in case it was glitch with my mobile.
Then I googled her name and the phone number, which threw up several messages in fora suggesting it was a scam.
I was a bit thrown by this, so I had a think what the payment might be for. I knew Netflix were taking money every month, but that amount didn't ring a bell. I didn't want to cancel it until I was sure it was a scam.
I tried to log into my Paypal account but it was down. So I logged into my Netflix account and rang them. They told me that I had been a member since August 2014 and that my latest payments had increased to match the amount I had queried with my bank. But I still wasn't sure that it was a kosher payment.
I rang the bank again to ask if they could flit back through my statements to cross-reference all the amounts (the Netflix fees had increased over the years, so if the amounts on my statements had done so at the same time, I could be sure it was a kosher payment to Netflix). Turned out I had to do it via my banking app, so I checked some at random and they matched.
Finally, later in the day I was able to access my Paypal account and could see the amount was for Netflix.
The reason I have posted this thread is to try and help others who may, as I did, Google that name and number and, as I did, come across all the suggestions that it is a scam.
There are still some out there who are convinced they have been scammed and have cancelled the DD and demanded refunds from their banks and no doubt some of these are scams. But I think some of them may be genuine payments.
It doesn't help that the only payment reference is to Paypal, not to the company product or service you are paying.
It doesn't help that JPMC means nothing to most people, nor that Maureen has a contact number that refuses to accept your call.
And it doesn't help that if you want to set up a DD, all you need in many cases is a sort code and account number.
The DD guarantee will refund any unauthorised payment, but I'm not sure that will cover small regular payments that have been going out for months or years that can be easily missed if you are not vigilant.
I hope this helps people!
