cant file a dispute

[pgzc]

Hi 

I recently fell for a scam where a person offered me to fix my instagram account and i payed him. I know its kind of stupid but still i want my mone yback, i have no way of contacting this person. I tried filing a case but the only option given to me was unauthorized transaction instead of refund or dispute. I really need help. thanks

[kernowlass]

@pgzc 

Sounds as if you used the friends/family option to pay???

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.