This was incredibly stupid of me. I trusted a complete stranger on November 7 (due to their Reddit profile looking legitimate), when they were selling their PS5. Sent them $533 on PayPal, using a bank transfer as my debit card was unavailable at the time. I used the Friends and Family option which was a dumb idea.
Fast forward to today and the person has not sent my money back. They didn't block me but they ghosted me completely. I called my bank to do a chargeback but they said they were limited in ACH transactions. Because I payed using my bank account--not debit card--and the transaction was authorized by me, they were unable to do a chargeback.
I can't call PayPal to do a reversal because it's the Friends and Family option, and PayPal can't do returns with that.
Am I stuck? Wonder if anyone has been in a similar situation as this.
Fast forward to today and the person has not sent my money back. They didn't block me but they ghosted me completely. I called my bank to do a chargeback but they said they were limited in ACH transactions. Because I payed using my bank account--not debit card--and the transaction was authorized by me, they were unable to do a chargeback.
I can't call PayPal to do a reversal because it's the Friends and Family option, and PayPal can't do returns with that.
Am I stuck? Wonder if anyone has been in a similar situation as this.