Cannot see paypal payment in history after discogs purchase - unable to make dispute

[Skade666]

As the title suggests, I believe I have been a victim of a scam on discogs wherein compromised accounts sell records and once they recieve their payment, dissapear from the site entirely, since discogs doesn't bear responsibility for the sales and tell you to contact the transaction service and the transaction does not show in my paypal payment history (which I can confirm did go through as it does show in my bank card history and also in the order confirmation mail from discogs) I am wondering, how can I approach this? Is there any way for me to find out whether or not the payment was set up to be F&F by default as I read they do that sometimes (Not sure why that is allowed). What would be the relevant categories in the paypal support tab to ask for paypal to verify whether or not the payment can be disputed if it doesn't even show up in my transaction history?

[kernowlass]

@Skade666 

When you paid did you log in to your paypal account during checkout OR did you pay via a card to a seller using paypal to receive card payments?

[Skade666]

I believe I entered my payment information on discogs and then used the paypal commerce portal to complete the payment but I dont fully remember, either way I know it was a legitimate through paypal because I used discogs own pipeline for payment so it wasn't a fake site or anything like that.

[kernowlass]

@Skade666 

Sounds as if you paid as a guest buyer then............

If you bought something online with a debit or credit card and didn't log into your Paypal account then of course it won't show on that Paypal account because you bought as a guest buyer.
However your seller may have processed that payment using their Paypal 'card reader' and so Paypal would show on your bank or card statement.

You ''may'' not have Paypal buyer protection cover as a guest buyer but you can contact customer services and they may be able to assist you by reaching out to the seller for you OR opening a dispute if you are covered by buyer protection.
So If you need help for a guest buyer transaction then you can;

1. Phone Paypal customer services and see if they will help you.
OR
2. Contact your card issuer for a chargeback.

[Skade666]

This was my guess aswell, it does show in my bank history aswell so it seems very likely. My only question is how do I know if Im eligible for buyer protection when doing a guest payment?

[PayPal_Meghan]

Hello @Skade666 and @kernowlass, 

Thanks for posting in the PayPal Community! Welcome, @Skade666!

I understand you'd like to learn more about PayPal's Buyer Protection Policy when it comes to a guest checkout purchase. As long as the email you used for your guest checkout purchase is the same as on your PayPal account, you can still request to dispute the transaction as long as it was a Goods & Services payment. You'd just need to reach out to Customer Support to request that it be filed since it won't show on your account. Please click here to review the different options for contacting Customer Support. 

I hope you receive a quick refund! 

- Meghan

[Skade666]

Thanks! I actually already made a call and had the dispute set up and was informed Im very likely to get my refund. Though I have not recieved any email or further information about the dispute since making it Friday, do you by chance know if I should get any email about it before finally getting the results of the dispute? Thanks.

[PayPal_Meghan]

Hello @Skade666, 

Thanks for reaching back out! 

The goal is to have all PayPal dispute cases resolved within 30 days. However, they can be a lot faster, depending on how the case proceeds. When you first open a dispute, and it's escalated to a claim, which should happen automatically on a guest checkout purchase, the merchant is given ten days to respond. If they don't respond, the case will automatically close with a refund to your original payment method. If they do respond, any information provided will be reviewed by Customer Support before a decision can be made on the case's final outcome. For an update on your case, feel free to reach out to Customer Support. Regrettably, the case will not show in your Resolution Center since it wasn't processed through your account. 

I hope this helps! 

- Meghan