Filed case under wrong issue and now cannot seem to change

[Deathefrog]

I was on FaceBook in one of the Private Groups that trade and sell a collectible item.  I had requested an Invoice to pay said items and was given a link to which I found out was not actually a Goods and Services invoice.  So I have multiple screenshots of us bartering for listed items and me paying the link posted.  I got suspicious and asked another trusted seller of the same products about a few things the scammer had said were available and she immediately alerted me the individual in question was a known scammer, and so was her co-hort.  Finding this out I confronted the two in questioned only to be blocked by one (who has since changed her account name and picture) and ignored by the other until I blocked them both.  I called PayPal to be told to contact my bank.  So I called my bank immediately - paid $30 for a stop payment placed on those three payments and waited until the next day.  I checked to see they successfully blocked the payments and I thought no more about it until the NEXT day after that PayPal forced the payments through again using my alternative payment - my debit card.  I immediately called PayPal and they said to take it up with my bank again.  I opened a dispute case under the wrong issue as I received absolutely NO help trying to file against what had been done.  Now I have a suspicious activity dispute open that has been denied by my bank because they proved the transactions through MetaPay had been done by me.  I never denied that, I asked that they look at the fact I had not received my goods and had been in fact scammed out of my $255 by PayPal's actions.  Instead of being **bleep** by BOTH my bank AND PayPal/MetaPay I would like to open a FRAUD/SCAMMER case because I did NOT receive my goods and the person had scammed me into using MetaPay to "donate" the funds to her instead of actually making a purchase.  What can I do to further have the PayPal user that scammed me confronted to either refund my money or actually SHIP me the things requested since she refuses to respond to me now that she has been paid and gotten away with it? 

 

 

 

 

 

 

 

 

[kernowlass]

@Deathefrog 

When you pay someone funded via your bank account it is not instant, paypal FRONT the payment for you to the recipient and then paypal take the wait for the funds to transfer from your bank account. So by cancelling with your bank you still owed paypal the money because they had already credited the recipient. As the bank transfer failed then Paypal used your back up funding source to recoup their funds.

What you should have done was wait a few days and then opened a paypal dispute for goods/services not received. 

[Deathefrog]

So what you are saying is that I am not going to get my funds back regardless of what I do because PayPal gave the money to the scammer and I am just SOL and should have learned a lesson?  Awesome.

I wanted to open a 'Goods not received' dispute if they don't consider the OBVIOUS FRAUD that was going on.  All of the things mentioned in the conversation?  Yeah, never received.  Am I ever going to get those things?  Probably not, they were never shipped and I HIGHLY doubt that person even has anything like that.  Notice  the lack of pictures?  If I am going to be swindled out of my money I would like to RECEIVE something for it.

[kernowlass]

@Deathefrog 

You would have had buyer protection if you had opened a dispute for non receipt of item.

If you opened one for ''unauthorised transaction'' ie fraud then you are telling paypal you were hacked and the transaction was made without your knowledge, as that was not the case then you would have lost the dispute.

You didn't wait but rushed to put a stop on the bank transfer however as paypal had already paid upfront for you they wanted their money back.

Shame you didn't come here for advice before rushing to your bank?