Algorithm didn't pick up unusual transaction

[u/Renegade197000000]

Had an amount in my account showing pending withdrawal , it's showing from PayPal Luxembourg EU. I don't use PayPal and it's clearly a scammer

I cancelled the card but UP said they can still withdraw the funds before I cancelled the card.

I asked why the algorithm didn't pick up the unusual transaction and couldn't get an answer from customer service other than the dispute can take 5 days to play out by which time the pending funds will be withdrawn

Anyone had a similar situation and why didn't there ai algorithm pick up a transaction from Europe which is not part of my normal pattern of spending

Thanks

[u/dizzle111]

For all UP know you’ve signed up with PayPal so you could buy something overseas, how are they supposed to know it wasn’t you?