How is this ok?!! I'm livid

[Migrodz]

So first they say in refunded, showed +$300 in green in my account. No money. Contact seller she says she'll tell them she agrees and refund my money to me. no money still. So this goes on for 15vdays seller says her accounts -$300 and mine still shows $+300 however I haven't gotten money she hasn't gotten out taken off either. She don't agreed I should get my refund not they're saying they're cancelling it NOW even though my account still says in green REFUNDED $300 BECAUSE THEY SAY I CHOSE friends and family instead of goods and services I didn't save if I did IT WAS A MISTAKE! PLUS THEY DAY THEY ONLY FUNNY REFUND ON PERSONAL PAYMENTS ANYTHING TO THEIR TERMS SO I THOUGHT I WAS PROTECTING MYSELF! HOW CAN THEY DO THIS WHEN SEEKER REVERB AGREED?

[kernowlass]

@Migrodz 

A friends / family (or gift payment) is intended as a transfer of funds from family or friends to one another. For this reason, there is no processing fee when payment is made with bank or PayPal balance.
However as it is a gift payment, there is also no Buyer protection as no goods or services should have been exchanged.

If he was not a close mate or family member you should never use that option as it enables the seller to evade paying his paypal fees and negates your buyer protection at the same time.
You would also not be able to open a dispute apart from one citing an unauthorised transaction but that would be automatically closed as you did authorise the initial payment.

Be careful as using that option for purchasing goods is against Paypal rules and can lead to account limitation.

If you funded your paypal payment via a credit card then contact your card issuer and see if they will help you but unfortunately they may decline as well as it was a gift payment.