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Can I get my money back?

Discussion in 'BlackHat Lounge' started by moonie, Apr 28, 2009.

  1. moonie

    moonie Regular Member

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    Hey guys

    Thank you for reading this. I am a bit upset right now. As you all may have known, I have had earned my first $200. It was going fine. Until now.

    I then paid someone for service. I paid through Paypal. The Paypal funds came out of my checking account with Bank of America.

    I just found out today that this person has blocked me. (No wonder I have not seen them online in a while) I do not see a refund in my Paypal. They have not talked to me in the longest time. I now know it is a lost cause. This person will never fulfill their side of the deal.

    If I were to file a dispute with my bank, it would go against Paypal, right? What are the odds of me getting my money back? I am going to show them evidence of her ignoring my posts and IMs. I should be ok, right?

    Please share your stories or wisdom!

    Thanks in advance.
     
    Last edited: Apr 28, 2009
  2. goins

    goins Regular Member

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    was this a member here?
     
  3. DrJekyll

    DrJekyll Senior Member Premium Member

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    file a dispute with paypal [unauthorised] if you charge back from your bank, and paypal can not get the money from the person you paid, they will keep a negative balance in your account and you will not be able to use your paypal account without replacing that balance.
     
  4. moonie

    moonie Regular Member

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    Wait...what????????

    Wouldnt that put the person whom I PAID into negatives if they cannot get the money?

    Why would my account go into the negatives?
     
  5. DrJekyll

    DrJekyll Senior Member Premium Member

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    Pay pal does not loose.

    if the person you paid has made the money unretrievable, they will just make your account negative until the money is replaced if your bank takes it back.

    It is messed up, and some would think it is not legal, but it HAS HAPPENED.

    your best bet is to dispute, as unauthorized transaction, and hope for the best.
     
  6. DrJekyll

    DrJekyll Senior Member Premium Member

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  7. jasonac2

    jasonac2 Junior Member

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    I feel your pain ssamra. PayPal shouldn't be allowed to exist. They allow scammers to thrive like Swine Flu.

    I especially how it takes them 30 days to do a dispute, when in reality, they wait for 29.5 days, then spend 1 minute reviewing it. They don't look into the facts. So if you try a dispute you will end up waiting 30 days for nothing. Contact your bank, it's your best bet.
     
  8. moonie

    moonie Regular Member

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    Yes but now my concern is that if this person has no money in their Paypal, I will end up with the negatives.

    They are worse than the Swine Flu.
     
  9. DrJekyll

    DrJekyll Senior Member Premium Member

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    If this is true, you will need to forward everything to a mod. they may be able to work things out for you. [or help]
     
  10. moonie

    moonie Regular Member

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    It has been resolved.

    I just dont have my money.
     
  11. moonie

    moonie Regular Member

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    So what would happen if I were to file a chargeback?

    How long would it take? What do they do? Like would my bank talk to Paypal? How do they decide which person will win the funds?
     
  12. Mike Hunt

    Mike Hunt Junior Member

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    File the chargeback, it's really all you can do. If funds do come into their account they will be held by PP and it's like a 10 day process for the other person to respond which they likely won't and then another 7 days or so for PP to look at the case and make the decision.

    Since it was transferred from your bank this is better than PP fund balance. With physical goods it's easy for scammers to get refunded as it seems they always side w/ the buyer. Downloadable not so much. As for services if you have proof of emails etc. w/ no response that will be good. Take screen shots and you can upload photos of the actual emails in the case.

    Just respond back in the case if the other person responds and end the case to review. If they don't respond and some money comes into their account it will be frozen by PP and you will win the case most likely if they don't respond but it will go on for nearly 3 weeks. Hope this helps you out in your dilemma.
     
    • Thanks Thanks x 1
  13. moonie

    moonie Regular Member

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    So if I file a chargeback, I should keep an eye on Paypal right?

    What if they dont have funds in their PP?

    Oh, I know this person will respond. She was not talking to me for days until I filed a Paypal dispute. Then magically, she pops up and escalates it and they go in her favor because it is a virtual good. So now I am thinking about going to the bank.

    I have plenty of proof. From chat logs to forums posts.

    Do you think if I file it, I may be able to win?
     
  14. ifwearner

    ifwearner Regular Member

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    Thats what the guy up there was talking about.. if you do a chargeback for paypal, they will leave the balance in your account as a negative. It is best to go to the dispute center and dispute your transaction stating that the service you paid for has not been provided and all attempts to contact the other party have been ignored. That is the only decent chance I would say you have at getting your money. You're lucky it was only $200 tho.. I've been dicked over for a lot more.
     
  15. Mike Hunt

    Mike Hunt Junior Member

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    I would file the dispute w/ PP first then her account will go to negative if she can't cover it. If funds do come in they will immediately be converted to PP's freeze of the funds.

    Service is far different than digital dl's. You could dl something, not like it then file dispute and that's a different situation. If I tell you I'm gonna cut your grass tomorrow and you pay me $20 today and I don't show up to cut it at all then it's service not rendered. If I do come over and cut it but it's not to your liking like I missed spots etc. then it's a gray area.

    If you have email w/ what she offered and you agreed to she needs to produce proof that she made good on her word which she didn't. I've never done chargeback but had them done to me through egay. Usually people from other countries and I have no deliv. confirmation but just customs form # saying post office received it on XX date. I lost every time.

    I had a guy in NY do chargeback on day 7 or 8, 1st day it's possible which is strange. Tracking said it was still en route but it should have been there already. Basically 2 or 3 days into dispute, while my money +shipping was already held, I received package back w/ stamp on it that buyer moved. I took pics, uploaded them in dispute to show that I got it back on their error, also attached email I sent that I would resend it to correct addy etc. and still lost case.

    PP errs in favor of buyer and screws sellers so I think you will win this one.... but if there's no funds in her account/bank account attached (they will dip into attached account, had that happen to me too) it's like winning the special olympics... no offense LOL

    Honestly it sucks but if you made $200 before you can make much more again. Lesson learned.
     
  16. Longover

    Longover Power Member

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    Maybe you could outsource someone to force choke that guy through the computer monitor...
     
  17. moonie

    moonie Regular Member

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    Yeah true. Thank you so much.

    I did make 200 but I dont want this scamming little lowlife taking my money. I am thinking I shoudl try as hard as I can.

    I did dispute with Paypal as mentioned. They took her side for her it since it was a virtual good. She had been ignoring me for days. Funny how when I filed a dispute, she was there less than a few hours to escalate it. She knew it would go in her favor because of the virtual good thing.

    So now I am thinking about going to the bank and filiing it with them. They will go against Paypal. I have lots of proof and can send them screenshots of her ignoring my IMs and such. I can also show them times/dates. Everything.

    So if I go to the bank, they contact Paypal and then she will have to talk to PP right?

    Thank you so much! :)
     
  18. Mike Hunt

    Mike Hunt Junior Member

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    Sorry, didn't check dates and see you actually did file w/ paypal I thought it was hypothetical scenario.

    Call the bank, they should have 800 number or call branch if you can. You don't wanna go into bank and tell teller something like "yeah hey I met this girl online and hired her to do this service for me and she didn't do it..." LOL

    Not much they can do but I would make a phone call. You will get better response there than in person in this case. For the most part you got scammed and I would write it off as a loss... karma is a bitch! Make the phone call though. Deal is PP isn't gonna lose money and neither is bank...

    I understand you wanting to fight this but sometimes you gotta cut your losses. Don't put too much time or effort into this besides a phone call. You made $200 so making that over and over and over again isn't gonna be a problem for you. If you lose that money then move on and don't spend any more time or effort on this, call it a day and she will get paid back in some way, shape or form and it won't be by you. Believe me on this. I've done shitty things and got my 10 fold payback LOL

    Live and learn. :amish:
     
  19. moonie

    moonie Regular Member

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    Well....everyone.

    I have an update. I went to the bank and called them to see what my status was. I submitted an 8 page report on what was going on through here and also what was going on through Paypal.

    As you all may remember, Paypal had originally found it in her favor.

    So after talking to the bank and the representative there, we decided to go ahead with it and attempt to get my $150 back.

    Anyways days ago by. I log into my bank account and see the $150 credited. I was very happy. I then logged into my Paypal account to see that it was not only limited now but also NEGATIVE $150. I was beyond pissed off.

    I called Paypal right away and asked them what the deal was. The people I talked to really did not seem to give a shit about it. They simply told me that I had agreed with their Terms of Service and that the seller was protected because it was a virtual good. After fighting with three more people at Paypal. I hung up and shook my head.

    I called again because I wanted the limitation removed. They gave me 5 steps. I got through 4. The 5th was to fix my negative balance. I stopped there and did not log back into my Paypal until a few days ago.

    When I did, I found my balance had been restored too $0.00. :) On the bottom, it said "Reversed from XXXX in the sum of $150." I was beyond happy. I am not making big bucks ($7.57 an hour) with my real job or making big bucks via IM so $150 is big for me. I was very very very excited.

    I was very surprised because Paypal seemed so dead bent over protecting her since she was the seller with the virtual good. I had to go through 3 or 4 different people each time I called and they all said the same thing. "You agreed, you agreed. YOU AGREED!" Even when I offered to send them the same eight page report that I gave the bank, the said "no."

    I am NOT complaining but just curious as to how this happened. Karma perhaps? :)

    But anyways, I just wanted to give everyone an update on this. I also wanted to add in to NEVER stop fighting if you think you were scammed or taken advantage off. FIGHT FIGHT as much as you can. Keep calling-keep talking-keep checking up. Usually if you are right, you will get your money back. Karma is a bitch yet I never would have thought I would get my money back. Here I am. I did.

    Thank you all for your encouragement and kind thoughts. :)