I recently received a series of notices from my credit card app about rejected $1241 charges on my card. My card company was rejecting the charges because I have my daily limit set lower (which I modify when I need).
Someone got my credit card info and set it up as THEIR Facebook pay payment source. And while I don't use Facebook Pay, I can assume from my credit card transaction list that when setting up a new card, FBPAY makes a $1 charge/hold as a test to validate the card. If that hold succeeds, then I guess they are happy enough.
What real companies do, if they want to ensure that you control the card you are using, is to make some small random charge and then require you to tell them how much the charge was. If they charge 0.61, you would only know the amount if you had access to the account behind the card. But no, Facebook just charges $1 and presumably doesn't even ask you "tell us how much we charged".
I opened a support ticket with Facebook because I wanted the person responsible for the attempted fraud to at least get banned. I provided exactly all the data required, including screenshots of the failed transactions from my mobile credit card app. It should be pretty easy for FB to find in their system, since the crook made 10! attempts for the exact same amount over a period of hours. Oh and as I provided all my credit card details, that should be IN their system and easy to associate.
Long story short, my very slow email interactions were just as stupid as TFA's. Worse even, the Facebook support moron kept trying to refer to my Facebook Ads account, which I do not have and never even mentioned. Eventually they just banned me from running any Facebook ads, even though it has absolutely nothing to do with the issue.
The support people at many of these companies are either stupid, non-human, or low budget non-English speaking people who copy/paste text from a cheatsheet. And the companies that run such support operations are assholes, top down. There is zero excuse for a "top tier" tech company to have the problems these companies have. It's just a shame that it is virtually impossible for anyone to do normal life/work stuff without having some dependency on these companies.