Paypal F&F Chargeback?

by Stoic - 15-08-2016, 08:54 AM
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#1
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Posted: 15-08-2016, 08:54 AM
Hey, so I did this transaction a few days ago with someone in another forum who was selling a virtual product. Basically, I paid the person through family and friends and just after three days, I lose access to that virtual product. Upon trying to resolve the issue by directly contacting the seller, he refused to respond, removed me from his skype contacts and possibly blocked me as well which basically means he doesn't intend to resolve it and just run away with my small amount of money lol. It's not much of a big deal since it wasn't a huge amount of $. I'm however curious to know how one can successfully chargeback despite doing the transaction via family and friends and maybe give it a try on this one. I am often very cautious when doing transactions online so this is actually the first time I've been scammed and ever felt the need to try charging back. I looked through what the options I have on paypal are and it seems the only one I could do is report the payment as an unauthorized transaction since the payment doesn't qualify as an Item  dispute. Is that the way to go? Or is there something I missed? What are the chances of getting my money back?

Would appreciate some guidance from anyone who could shed some light as I am clueless with charging back.  :noh:
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#2
Posted: 15-08-2016, 09:59 AM
You can always go through your bank and report it as an unauthorized transaction. You'll probably have to get a new card though, depending on the bank.
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Posted: 15-08-2016, 10:35 AM
(15-08-2016, 09:59 AM)fdigl Wrote: You can always go through your bank and report it as an unauthorized transaction. You'll probably have to get a new card though, depending on the bank.

Would it work the same way if I report it as an unauthorized transaction via Paypal? May I ask why I would probably need a new card? Is required by paypal or just something that I should do to be safe?
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#4
Posted: 16-08-2016, 12:11 AM
(15-08-2016, 10:35 AM)Stoic Wrote:
(15-08-2016, 09:59 AM)fdigl Wrote: You can always go through your bank and report it as an unauthorized transaction. You'll probably have to get a new card though, depending on the bank.

Would it work the same way if I report it as an unauthorized transaction via Paypal? May I ask why I would probably need a new card? Is required by paypal or just something that I should do to be safe?

Most banks won't refund something to your account if you say something like someone got onto your computer (your kids, etc) and made a purchase that you did not want and could not resolve through the method you purchased the goods/services with (in your case, PayPal). Say that you think your credit card may have been compromised. It may sound a little like SEing, but that at the core of this method is what it is. A very light social engineer. It's worked once or twice in the past for me, but don't overdo it.
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#5
Posted: 02-06-2017, 05:26 PM
Did you use PayPal balance to pay for it or a credit card/debit card?

If CC/Debit, then it's easy: start a chargeback through your bank. I know for my Discover card, literally one of the reasons for chargeback is the product is not what it was described to be.

If you used PayPal, it's kind of hard since you sent it through F&F. Most likely your dispute is going to be in the seller's favor (from experience).
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