JUST GOT SCAM

JM3331
Contributor
Contributor

I just got scammed yesterday, today i try to report it to paypal and dispute the transaction but paypal closed my claim. I have proof with whatsapp chat screenshot. I just want my money back

 

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kernowlass
Esteemed Advisor
Esteemed Advisor

@JM3331 

 

Can't see your screenshot but it sounds as if you may have used the friends / family option, yes?

If so then...............

 

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 his paypal fees and negates your buyer protection at the same time. That is also why you would be unable to open a dispute apart from an unauthorised transaction (if your account was hacked and used without your consent).

You also risk having your account limited for using this option when you are purchasing goods as its against Paypal rules.

Your only hope is if you funded your paypal payment via a credit card then contact your card issuer and see if they will help you but unfortunately again as it was a 'gift' of money they may decline as well.




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kernowlass
Esteemed Advisor
Esteemed Advisor

@JM3331 

 

Can't see your screenshot but it sounds as if you may have used the friends / family option, yes?

If so then...............

 

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 his paypal fees and negates your buyer protection at the same time. That is also why you would be unable to open a dispute apart from an unauthorised transaction (if your account was hacked and used without your consent).

You also risk having your account limited for using this option when you are purchasing goods as its against Paypal rules.

Your only hope is if you funded your paypal payment via a credit card then contact your card issuer and see if they will help you but unfortunately again as it was a 'gift' of money they may decline as well.




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Kudos / Solution appreciated.
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JM3331
Contributor
Contributor

Yes but i dont know this will happen, i pay for the transaction fee

PayPal Transaction Fee
-20,19 $ USD
 
Is this doesnt help?
 
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kernowlass
Esteemed Advisor
Esteemed Advisor

@JM3331 

 

Did you pay using the friends / family option?

If so then you sent a 'gift' of funds to someone and have no buyer protection.  Smiley Sad


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JM3331
Contributor
Contributor

@kernowlass Yes i do, but what that transaction fee for? Can i ask the bank to refund? I using virtual bank card to transfer the money.

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kernowlass
Esteemed Advisor
Esteemed Advisor

@JM3331 

 

You paid the fee for paypal to provide you with the service of sending the funds for you.

You did not pay a fee to get protection from scams as it was a gift payment.

If you funded the paypal payment via a card then by all means contact your card issuer and see if they will help you.


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theg3
New Community Member

Hello, Paypal. I wanted to contact you because i have got scammed too. I worked for the "company" as a designer and got payed about 15 euros, but then, after 24 days they refunded the payment they have sent me back. Now i have negative balance on my account, please, fix this issue. Thank you.

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