fraud but it's a Friends and family‘ payment - the trust is breached

Shovon1
Contributor
Contributor

Hello All

I have been tricked on the Transaction ID 3WT49857VG9027441. (but it's a Friends and family‘ payment - the trust is breached)

I needed some assistance

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13 REPLIES 13

kernowlass
Esteemed Advisor
Esteemed Advisor

@Shovon1 

 

 

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), which 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.





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Shovon1
Contributor
Contributor

Thanks fir the reply , firstly.

I may have learned my lessons here & maybe  the hard way, but does it also mean this person goes scot-free?

And will they be able to dupe hundreds of others with no leash on this person at all... just because a "tick" mark was not used in good faith?

 

there must be some way to bring these people to the books?

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kernowlass
Esteemed Advisor
Esteemed Advisor

@Shovon1 

 

Well you both broke the rules but you can report him via the report option in paypals acceptable use policy but only if he told you that you had to pay using the friends/family option.

However nothing may happen unless he is actually advertising that he will only accept f/f payments.

It does clearly state when you use that option on both the app and web that you would have no buyer protection if you go ahead with that option.


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Shovon1
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just coming back to the conversation , as the theory of breakage of rules does not seem consistent ...

 in a world where money is involved, it's not new that friends and family can cheat too. PayPal simply excuses itself by stating that since it's a friends and family transaction, the money transfer cannot be contested. This is a principle that needs attention because when it comes to money, trust can be scarce, even among friends and family. Just because it's labeled as a friends and family transaction doesn't mean the payer should be left vulnerable to scams.

As I mentioned, this issue requires scrutiny because fraudulent transactions are happening, and it's unjust to claim that the rules were broken when the only unreliable factor here is human nature. This raises concerns about the safety of users who are legitimately paying money and then end up being defrauded.

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kernowlass
Esteemed Advisor
Esteemed Advisor

@Shovon1 

 

Friends/family is sending a 'gift of money' to someone.

So you can't be scammed if that is what you are doing.

You are not purchasing anything so how can you be scammed.

Not all payment methods give you protection, if you send funds using a bank account or debit card then you are rarely covered for a chargeback.


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Shovon1
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While it may be a matter of perspective and circumstance, PayPal's payment process doesn't clearly convey the implications of sending money as a 'gift.'
The interface simplifies the transaction to such an extent that users may be unaware of the potential risks. It doesn't say, "Dear user, you're not making a purchase, so the risk of being scammed is ostensibly lower." Instead, the process is streamlined, and bang, the transaction is complete.

There was no act of charity here; the description field clearly indicated an exchange of legitimate goods and services. It's only when things go awry that PayPal espouses a narrative that users are simply giving 'gifts,' a convenient argument that absolves them of responsibility. Yet, should a transaction fall within PayPal's purview in a less favorable light, the organization is quick to enforce its policies with full force.

This scenario pits the individual against a multi-million dollar corporation that adopts a philosophy similar that exudes a philosophy  to mankind as the "goes whichever way the wind blows".
It's often used to describe someone who easily changes their opinions to match those around them or to suit the current situation.

 

 

If not making gifts results in extra payments to PayPal's pocket by those who have been scammed through gift transactions, then the additional 'pocket cash' fees could be deducted by Paypal, and the remainder of the amount should be returned to the customer.
This approach is arguably the fairest way to address these kind of issues. A win-win scenario for both.

But instead & currently, all doors are extensively barricaded and sealed by PayPal, making it impossible to reach them regarding these types of transactions. This situation is a complete black box.

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kernowlass
Esteemed Advisor
Esteemed Advisor

@Shovon1 

 

Are they a friend or close mate? NO

Are they a family member? NO

 

Then if the 2 answers above are NO then you don't use that option.

Secondly it clearly states on both the app and on the web.... ''buyer protection does not apply for this payment''.

 

So if all that is not clear enough for you then sadly not a lot else paypal can do for you. 

 


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Shovon1
Contributor
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<'buyer protection does not apply for this payment''.>
This is what I am actually perturbed about. PayPal should have a protection system; it does not matter how the money is moving, but as I mentioned, maybe something that needs to be scrutinised for later. For the time being, I've reported this guy via PayPal, but once again, after reporting, there was no transaction or unique ID number, just an acknowledgement like "your mail has been received." Maybe a case number or a file number would have given a little more solace to customers who have already been scammed.

Secondly, I'm taking it up with my credit card company right now, so let's hope that I get some retribution here.

But thanks again. I understand what you're trying to say, and as I said, this needs to be reviewed at a blueprint level.
Scammers are galore, honesty(faith) gets punished.

 

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askask11
Member
Member

and what if the seller advertised  that he will ONLY accept  F&F payment and nothing else ? can i issue a refund  or at least get his account suspended  ?

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