How can I get a refund on friends and family payments?

[twentytwentytwo]

How can I get a refund on friends and family payments? I didn't receive an item from overseas that purchased but they have taken my money and refuse to refund but they had asked me to put the payment under friends and family and apparently you can't get refunded if its under that...what can I do? They have taken $250 dollars.

I would also like to report the seller.

[jmarc_38]

hello @twentytwentytwo , alas, you will not be able to obtain a refund or make a dispute.
it is not a commercial payment.

You cannot report a dispute for payments sent of the Payment between relatives type. You can send a personal payment to reimburse a loved one for dinner, collect money for a gift, and more. The Purchase Protection program does not apply to personal payments.

for purchase protection, it was necessary to use a commercial payment: purchase of goods or services

try to see if your bank can help you, because the seller scammer will not reimburse you.

[twentytwentytwo]

Thank you. Can I report the person to PayPal? If I ring my bank what can I say? I’ve never had to do this

[twentytwentytwo]

Thank you. Can I report the person to PayPal? If I ring my bank what can I say? I’ve never had to do this

[jmarc_38]

@twentytwentytwo 

for your bank, you must try to see if it agrees to oppose your bank debit for fraud.

explain to him that you are the victim of a scam.
frankly, it's up to you to convince your banker.

[twentytwentytwo]

Thank you, I have rang PayPal who advised me to go through my bank due to the transaction being under family and friends. Be careful this is why some scam sellers tell you to choose this option and if you don’t know any better it can get you in bother like me. So I have been in contact with my bank, they have lodged a dispute with the sellers bank so we will see what comes of it, they may request more information which is fine. I have all messages of the seller refusing to send my item because he doesn’t like I was going to complain to PayPal my bag hasn’t come since November 2021. I hope justice prevails.

[treastreadway]

I was told by PayPal that your bank had a protection plan for your bank also. But when you think about a dispute with your bank youbautomatically think it was because fraudulent charges only but your bank does have different types of disputes not just for transactions you didn't do/know about. From what I was told before I tried to dispute it through PayPal they told me to contact my bank and I asked what should I say since I'm was aware of the transaction they said to tell them the truth either item not as described or never arrived etc. Well I took PayPal's above and contacted my bank told them I wanted to dispute a transaction and 1st thing they mentioned was was your card just or stolenmb I want to file a dispute for (example item not as described, item was never delivered, open n was defective etc ) I said I was to dispute this transaction because the item I purchased wasn't as described and it was broken/defective. I don't want to file a dispute for unauthorized transaction. It's all the same with any dispute basically just the reason is different and that difference in dispute needs to be documented correctly. Tell them the exact truth be honest they will help in every way get that issue disputed in your favor and get your money back. It may take longer than a PayPal dispute but it should be worth it in the end and also you can report them as a scam on ba gov or state website also

[jmarc_38]

@twentytwentytwo 

for this scam, I had written this, for the forum in French (my country)
it will help you in the future.

It's not new, but it still works for scams. Serious consequences for the PayPal user.

An object, a service interests you, and an individual sells it on a classified ad.

leboncoin and similar, facebook and all social networks, including dedicated applications

- The principle of the scam is simple, you contact him, and he offers to pay it with money between relatives.

It's going to take a lot of time to convince you to do so, using blabla!

For him, it will pay him big if he gets money between relatives.

No item will be sent, and you will never be able to recover the money or the item.

For PayPal, this mode of money is not a commercial transaction.

You cannot report a dispute for payments sent of the Payment between relatives type. You can send a personal payment to reimburse a loved one for dinner, collect money for a gift, and more. The Purchase Protection program does not apply to personal payments.

No dispute possible for object not received, and a dispute for unauthorized transaction will be rejected. You did the job yourself.

So be careful, don't fall for the trap!

A purchase between individuals will only have purchase protection if you pay correctly. That is to say, by purchase of goods or services.

[twentytwentytwo]

100%! I’ve been honest to my bank who asked what had happened. I paid for an item in November 2021 and I haven’t received it. I have all messages between me and the “seller” I had said to him a few days ago after many ignored messages that I will have to contact PayPal and he did not like that and replied with “you know what, I’ve changed my mind, I’m not sending the parcel now you are going to complain” ummmm what? No that’s not okay and I will be going to every length to shut his scam down. I will be lodging his business with all government authorities necessary in my country and in his.