Think I got scammed.

[rehevkor]

Did they specifically ask you to use a personal payment rather than as a purchase?

 

[Thelonewolf88]

Did they specifically ask you to use a personal payment rather than as a purchase?

I had the option for both, yet being a dick I went with Gift. It was a impulsive buy and I cheaped out not paying the 4%, because shipping was more than expected.

For the sake of 4% I should have paid it to protect the $130.

 

[HtheB]

Is there no way to revert the transaction?
Most of the times you see some address of this person when paying (don't know if this also applies to personal payments)

What is his email? You should tell PayPal to see if he has more transactions. Also, you should tell them that you did not know about it. (Their last sentence is also "Please let us know if you require any further assistance."
So you should ask for help.

What was it that you wanted to buy anyway?

 

[Thelonewolf88]

Is there no way to revert the transaction?
Most of the times you see some address of this person when paying (don't know if this also applies to personal payments)

What is his email? You should tell PayPal to see if he has more transactions. Also, you should tell them that you did not know about it. (Their last sentence is also "Please let us know if you require any further assistance."
So you should ask for help.

What was it that you wanted to buy anyway?

There is no address, only have his email. I told paypal I chose gift by accident.

I did speak with my bank before and they said can open a dispute next week as they have to wait 15 days after the money cleared. I'll try Paypal again and hope the bank steps in.

The seller is also now ignoring my messages.

 

[tbb043]

If you have a valid address or other way to locate them, there's always small claims court.

edit:

There is no address, only have his email.

Welp, that's a mistake on your part...

Hope the money you've lost isn't so much it's going to break you...

Maybe if it's an ISP email you could track him down somehow, but otherwise, ya screwed.

 

[RaMon90]

I had the option for both, yet being a dick I went with Gift. It was a impulsive buy and I cheaped out not paying the 4%, because shipping was more than expected.

For the sake of 4% I should have paid it to protect the $130.

130$? Damn, I think it's not your fault at all. There are heartless people, it's really sad.
The only think to hope is he/she replies you.

 

[jerzmob]

I always make a seller send me an invoice & then I reach PayPal about the transaction before I reach an agreement to click that "confirm" button just so I know I will be covered.

 

[Beorn_Orwell]

I made that mistake with my copy of Chrono Trigger once, except it was a trade.................Never again.

 

[Saiyan Lusitano]

Update:

Basically, I'm screwed, which I already thought so. Here is PayPal Response:

Dear ........

Thank you for contacting PayPal.

I've reviewed the transaction ID (............................) on your account and I can see that this payment is a ‘Personal’ payment.

Personal payments are not intended for the purchase of goods or services from sellers and therefore cannot be disputed.

Personal payments can be used for the following:

• Sending a gift
• Sharing a lunch bill
• Paying your share of the living expenses
• Sending money to friends and family.

As Personal payments are not for the purchase of goods, there is no buyer or seller protection offered on these transactions and as such, a buyer dispute cannot be opened.

Purchase payments are for paying for an item, such as something won on eBay. You can open claims for these payments, as they might be eligible for coverage under PayPal Buyer Protection.

We encourage you to communicate with the seller to resolve the problem.



Please let us know if you require any further assistance.

Yours sincerely,
Anna Poorani
PayPal

Contact your bank as soon as possible to request a chargeback as you got conned.

--------------------- MERGED ---------------------------

I did speak with my bank before and they said can open a dispute next week as they have to wait 15 days after the money cleared. I'll try Paypal again and hope the bank steps in.

Oh, you'll need to do this then without delaying it.

 

[bakageta]

I did speak with my bank before and they said can open a dispute next week as they have to wait 15 days after the money cleared. I'll try Paypal again and hope the bank steps in.

Be careful with that, since paypal already denied a refund they're likely to close your account if you reverse bank funds.

 

[Thelonewolf88]

Be careful with that, since paypal already denied a refund they're likely to close your account if you reverse bank funds.

Sounds like Paypal are legal crooks themselves. It's silly as it's your money at the end of day that was basically robbed.

 

[Hells Malice]

Some of you people have no idea how real life works.

He used a function intended for GIVING GIFTS. It's a function that saves him money because it has NO FEES.
He CHEAPED OUT and got bit in the ass.
This is 100% his fault.

Anything over $10, don't cheap out. Always cover your ass.

A charge back might not even work (depends on the bank) since they DO investigate and it will likely come to light the nature of your transaction. If it does work however, paypal will likely terminate your account, or worse. The money given to the seller doesn't get yanked backwards, paypal eats it, and they wont be happy with you.

I've had many bad experiences with paypal, but this is open and shut. You slammed your wiener in the door buddy.

 

[DrayanoX]

Sounds like Paypal are legal crooks themselves. It's silly as it's your money at the end of day that was basically robbed.

It didn't get robbed, you gifted it to this guy, there is no way he could give back your money if he didn't want to. Plus if PayPal said no (because it's their right to do so, you refused their protection) and you try to find your way with your bank you can face serious issues with PayPal.

Hopefully you learned your lesson and you won't cheap out when you deal with this kind of stuff again.

 

[migles]

Update:

Basically, I'm screwed, which I already thought so. Here is PayPal Response:

Dear ........

Thank you for contacting PayPal.

I've reviewed the transaction ID (............................) on your account and I can see that this payment is a ‘Personal’ payment.

Personal payments are not intended for the purchase of goods or services from sellers and therefore cannot be disputed.

Personal payments can be used for the following:

• Sending a gift
• Sharing a lunch bill
• Paying your share of the living expenses
• Sending money to friends and family.

As Personal payments are not for the purchase of goods, there is no buyer or seller protection offered on these transactions and as such, a buyer dispute cannot be opened.

Purchase payments are for paying for an item, such as something won on eBay. You can open claims for these payments, as they might be eligible for coverage under PayPal Buyer Protection.

We encourage you to communicate with the seller to resolve the problem.



Please let us know if you require any further assistance.

Yours sincerely,
Anna Poorani
PayPal

if you don't care about that paypal account, you mighjt try to ask your bank to charge back.. try to provide proof about the scam (like messages)
this will likely get you "banned" from paypal if the bank succeeds.. (but i guess you can create an account in other bank and a new paypal if you really need to)

or:

"dear paypal, you can have the dollahs, but don't get this guy go away with it"

 

[Thelonewolf88]

It didn't get robbed, you gifted it to this guy, there is no way he could give back your money if he didn't want to. Plus if PayPal said no (because it's their right to do so, you refused their protection) and you try to find your way with your bank you can face serious issues with PayPal.

Hopefully you learned your lesson and you won't cheap out when you deal with this kind of stuff again.

Point taken, I agree, it was my own fault, as I knew the consequences of gift payments beforehand and in order to save a few bucks, due to impulsive buying without thinking it over, it back fired.

The reason I said robbed, is because i'm just angry and it feels like I got robbed because the guy has my money and there is nothing really I can do about getting it back, if that makes sense, regardless of my careless actions with Paypal.

 

[Hells Malice]

if you don't care about that paypal account, you mighjt try to ask your bank to charge back.. try to provide proof about the scam (like messages)
this will likely get you "banned" from paypal if the bank succeeds.. (but i guess you can create an account in other bank and a new paypal if you really need to)

or:

"dear paypal, you can have the dollahs, but don't get this guy go away with it"

Paypal can do a whole lot more than just terminate your paypal account if you gave them access to your bank info, which 99% of people using paypal have done.
They can pursue your ass because they're the one that gets screwed, not the scamming seller. Ever had debt collectors on your ass? Not fun.

 

[Quantumcat]

Paypal can do a whole lot more than just terminate your paypal account if you gave them access to your bank info, which 99% of people using paypal have done.
They can pursue your ass because they're the one that gets screwed, not the scamming seller. Ever had debt collectors on your ass? Not fun.

You don't really have to worry about debt collectors. Put a fake phone number in so they won't call you, and if they email you send it to junk mail. If they find a way to contact you then just deny that you're the person they are after. They can't do anything.

I had a buyer scam me, they broke the console I sent them (or were taking pictures of a different one) and got a refund through eBay. My PayPal balance was negative for a while and eBay kept asking me to put funds in. I didn't, and eventually the negative balance went away. I had debt collectors emailing me but I just ignored them. If PayPal/eBay wouldn't listen to me that the buyer was scamming them then they can eat the money, they deserve it...

 

[Hells Malice]

You don't really have to worry about debt collectors. Put a fake phone number in so they won't call you, and if they email you send it to junk mail. If they find a way to contact you then just deny that you're the person they are after. They can't do anything.

and your credit rating gets the shit kicked out of it, and ruins your financial stability for life.

Awesome.

 

[Quantumcat]

and your credit rating gets the shit kicked out of it, and ruins your financial stability for life.

Awesome.

How? They have no idea who you are. You don't have to provide a driver's license or anything. Or are they going to damage the credit rating of every Mary Smith (or whoever) on the face of the planet?

If debt collectors have no id, just a name and a phone number, the only way they can get money out of you is to hope you are gullible enough and scare it out of you.

 

[sarkwalvein]

and your credit rating gets the shit kicked out of it, and ruins your financial stability for life.

Awesome.

This.
With PayPal knowing who you are, due to the connection to you bank account.
Later: nobody will lend you money, nobody will rent you a house, nobody will let you pay in instalments, no credit, no nothing.