Am I Out $3,000?!!!? HELP!

[VeryCoolAlan]

So I bought an amplifier from some guy on Head-Fi.org, I know you're not supposed to send the money as a gift because you're not covered but I did anyway because the fee was hella high, also the seller had been a member for 10 years and had good trader feedback, but when I sent him the $3300 for the product he gave me a tracking number and it was the wrong one, it's been two weeks and he won't respond to my messages, everyone says to do a Chargeback Dispute with my bank or to try and ask PayPal to reverse it and try to get them involved in order to get my money back.

So what do I do!? Am I **bleep** over $3,000?!?!!?

[DPCreations]

Why would you be concerned about a fee?  The buyer doesn't pay a fee for a purchase.

You knew the risks and determined to take the risk; astonishing.

You're only hope is if you funded with a credit card.  You could contact the credit card bank to claim item wasn't received.

[VeryCoolAlan]

Yes I know dumb right? Also yes I paid with my Bank Debit Card. They have a fraud affidavit I will fill out .

[DPCreations]

Just make sure you don't dispute a not authorized; that would be real fraud as you you did authorize.

[VeryCoolAlan]

I went to my bank the day I made this thread and they told me it would be 45 to 60 DAYS!
Then a few weeks later PayPal closed the case and said that it was ruled in my favor, but I guess since it hasn't been 45 to 60 days (only been 39) I won't see the money yet? Is this right?

[Whac-A-Mole]

no,you should see the money back in your account immediately ,or next day.

see what happens when a buyer files a dispute,Paypal immediately withhold the $$ from the seller account,it is still in his account but he cannot touch it.

But sometimes the seller has withdrawn the money,so his Paypal account has a negative balance .

If you win the case,Paypal will front the money and go after the seller to restore his account to neutral (zero balance).

you need t o call Paypal and ask when will you get your money back.

how did you win the case,if you use a  bank card,bank does not get involved in item not as descrived or item not received,they just deal with unauthorised transaction like someone hacked into your bank account?

[Whac-A-Mole]

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@DPCreations wrote:

Why would you be concerned about a fee?  The buyer doesn't pay a fee for a purchase.

You knew the risks and determined to take the risk; astonishing.

You're only hope is if you funded with a credit card.  You could contact the credit card bank to claim item wasn't received.

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In most cases,the seller agreed to sell for less if the buyer sends fund using friend and family,saving the seller 3 % .

It also happens on Ebay ,since Ebay charges 10%,so buyer and seller skip Ebay and deal outside Ebay.

[VeryCoolAlan]

Ah sorry,

I called PayPal and they said since it was a 'gifted' transaction there was nothing they could do, so they told me to go to my bank and do a chargeback dispute, so I did. The lady at my bank told me it would be 45 to 60 days. A couple of weeks later PayPal emailed me stating that they had gotten an alert that my bank was investigating, so then a couple of more weeks later PayPal closed the case but said that they had refunded the $3200 but it was up to my bank to give it to me, so I know I'm getting my refund, but don't know when, it has been 40 days now ...

[DPCreations]

It looks like you need to follow up with your bank since that's where filed the dispute.  The bank needs to get involved in finding your money.