I’m not new to BTC but not very technical ..just enough to get myself into trouble. I signed up for an exchange that offered automatic threshold withdrawals and you had an option to enter your XPUB to avoid address reuse. I opted for this and late one night I either used my Ledger or Trezor to enter my XPUB.  An automatic withdrawal was made I confirmed it, and although I noticed it was a bech32, I didn’t realize that it was odd. When I went into my Trezor,  the transaction couldn’t be found. I hooked it up to Electrum thinking that somehow the derivation was screwed up but nothing. I checked my Ledger and nothing.

I know I provided the XPUB from one of these 2 devices and most likely the Trezor. I have no idea where the bech32 address came from. The exchange says they don’t store the XPUBS and told me that a Trezor wouldn’t provide a bech32. The address and the funds are on the blockchain and have not been moved. I have not been the victim of any SIM swap or other fraud.

It wasn’t a tremendous sum but enough that it’s pretty irritating. Any thoughts other than I’m an idiot are greatly appreciated.