I am an Idiot (Did I get scammed?)

[HPLovecraft]

Originally Posted by narbeZ

Thanks for all the help so far guys. Ive sent out two emails to the seller again today with no reply. My bank account is still not showing the 400 dollars taken. I opened the dispute yesterday and haven't heard anything back yet. I was thinking about transfering the money over to another account, but would there be harm in waiting till monday or tuesday to do this? The transaction was made late friday so my gut feeling says when the clock rolls over tonight my account will be 400$ lighter. Thanks so much for the thoughtful insight so far.

What's the point? Why not just transfer the funds online from one account to the other? It's a lot less work than needing to work an extra week to make up the $400 you might potentially lose.

Really, if you're that worried about it, the solution is simple instead of waiting on maybes from other people.

[_Q_]

Originally Posted by narbeZ

Thanks for all the help so far guys. Ive sent out two emails to the seller again today with no reply. My bank account is still not showing the 400 dollars taken. I opened the dispute yesterday and haven't heard anything back yet. I was thinking about transfering the money over to another account, but would there be harm in waiting till monday or tuesday to do this? The transaction was made late friday so my gut feeling says when the clock rolls over tonight my account will be 400$ lighter. Thanks so much for the thoughtful insight so far.

If you are fully convinced that you got scammed, then yes transfer it to another account. Although this might be taken as failure to make a payment and might screw up your credit. I am not 100% sure, so you should check into that.

I also worked at a bank for a few months years back, and I know that if you can't make a payment out of a designated account, then the bank has the right to take the money out of another account. That or a credit card that you have with a bank. Either that, or you can have the money appear in the different acount today and then come tomorrow you see the transaction to transfer it to the account cancelled and the payment to paypal went through. I hope that makes sense.

You should call your bank and tell them specifically not to allow that transaction to go through. Tell them that it was a scam and it's being investigated right now, or something along those lines.

[ken0042]

Originally Posted by _Q_

If you are fully convinced that you got scammed, then yes transfer it to another account. Although this might be taken as failure to make a payment and might screw up your credit. I am not 100% sure, so you should check into that.

The seller would have to make a report to the credit bureau- I have never seen an "NSF" show up on my credit report.

To the OP- yes I would say that the transaction would not be showing up yet as most banking like bill payments, automatic debits, etc take place at a certain point during normal business hours. I would make sure you either have some sort of "Stop payment" in place with your bank (as well as the backup funding source); or drain your accounts.

Or both.

[silentsim]

Transfer it to another account, and if you have a CC Linked to the account make sure you contact your card and tell them to block paypal payment.

[nickerjones]

the key to using paypal on non ebay transactions is paying via a credit card. The reason being you can always do a chargeback through the credit card company. It takes a lil while to get the cash back but if you file one you will get your money back . I would never use my bank account to pay for anything over the internet for the purpose of the chance of what has happened to you.

I would contact my bank and stop payment on said bill ....

[burn_this_city]

I'd phone the 1-800 number on the back of my debit card and talk to the bank people directly.

[HOOT]

Originally Posted by narbeZ

Thanks for all the help so far guys. Ive sent out two emails to the seller again today with no reply. My bank account is still not showing the 400 dollars taken. I opened the dispute yesterday and haven't heard anything back yet. I was thinking about transfering the money over to another account, but would there be harm in waiting till monday or tuesday to do this? The transaction was made late friday so my gut feeling says when the clock rolls over tonight my account will be 400$ lighter. Thanks so much for the thoughtful insight so far.

Why wait? The longer you wait the more of a chance he will get the money. Who cares if you have to pay a $35 (or whatever it is) NSF it means nothing besides it costing you $35 instead of $400.

The longer you wait, the worse it is going to get for you! I'd log on right now to you back right now and do it. I have never been scammed like this before however one time I bought something off ebay and just after paying realized the seller was an idiot and put down the wrong Product # so I was paying $1100 for something that didn't fit for my car.

I emailed him, he told me too bad I should have read it closer. So I told him to pound sand and took all my money from my Checking to Savings and called my bank to make sure my overdraft would not kick in anymore. Worked like a charm and my bank only charged me $5 because it was the first time I ever had a NSF.

DO IT NOW!!!!!

PS Also be sure to phone your credit card company on your paypal and ask them to put it on hold until you call back with further instructions.

[7uongo]

Originally Posted by _Q_

If you are fully convinced that you got scammed, then yes transfer it to another account. Although this might be taken as failure to make a payment and might screw up your credit. I am not 100% sure, so you should check into that.

I also worked at a bank for a few months years back, and I know that if you can't make a payment out of a designated account, then the bank has the right to take the money out of another account. That or a credit card that you have with a bank. Either that, or you can have the money appear in the different acount today and then come tomorrow you see the transaction to transfer it to the account cancelled and the payment to paypal went through. I hope that makes sense.

You should call your bank and tell them specifically not to allow that transaction to go through. Tell them that it was a scam and it's being investigated right now, or something along those lines.

I dont think you've been working at that bank for very long as a bank is to NEVER take funds out of a client's credit card account based on defaults on a bank account

It's dangerous to be giving improper banking advice based on "maybes" and "I think"

[HOOT]

Originally Posted by _Q_

I also worked at a bank for a few months years back...

Originally Posted by 7uongo

I dont think you've been working at that bank for very long...

Did you read his post?

Also if the bank doesn't do it, Paypal will for sure!

[narbeZ]

Ok so I drained my chequeing account and transferred it all to the savings. Its pretty amazing to me how fast you can transfer money on the web, and somewhat scary.

I guess we will see how this plays out in the coming few days, im contacting my VISA card as we speak. Thanks for all the information guys, I will keep posted with updates in the coming days. I would love to meet this guy face to face and just ask him how he sleeps at night...I feel dumb I fell for such a scam.

[HOOT]

Originally Posted by narbeZ

Ok so I drained my chequeing account and transferred it all to the savings. Its pretty amazing to me how fast you can transfer money on the web, and somewhat scary.

I guess we will see how this plays out in the coming few days, im contacting my VISA card as we speak. Thanks for all the information guys, I will keep posted with updates in the coming days. I would love to meet this guy face to face and just ask him how he sleeps at night...I feel dumb I fell for such a scam.

Don't worry about it we all fall for too good to be true things now and then. I think people were giving you a hard time because if you would have posted this before sending the money there is no question you wouldn't have to do all this. But as others say, live and learn. I wouldn't feel too dumb over $400, if you had signed over your house, then you might have problem.

If anything you taught some others on this board an important lesson for their internet purchases. Personally now I usually only buy something on the internet if it is less than $200 or so, then if you get scammed it's no big loss.

Hopefully everything works out for the best. I would also contact your bank just to let them know so they don't do something stupid and think you want it out of your savings or something. Banks and credit card companies deal with this everyday so their advice is important as well.

[JustAnotherGuy]

Originally Posted by narbeZ

Ok so I drained my chequeing account and transferred it all to the savings. Its pretty amazing to me how fast you can transfer money on the web, and somewhat scary.

I guess we will see how this plays out in the coming few days, im contacting my VISA card as we speak. Thanks for all the information guys, I will keep posted with updates in the coming days. I would love to meet this guy face to face and just ask him how he sleeps at night...I feel dumb I fell for such a scam.

Don't be too hard on yourself.

I worked with a guy who paid $500 for an empty box from Ebay. The picture of the new cell phone did only show the box. It did not say anything about a phone being in the box.

[7uongo]

Originally Posted by HOOT

Did you read his post?

I read the post, and while I see your interpretation of "month years back" it could also be interpreted as "months,years".
read it over again, you might see it

regardless, it's still bad information and to use his time at the bank as credibility makes it even more dangerous

[HOOT]

Originally Posted by 7uongo

I read the post, and while I see your interpretation of "month years back" it could also be interpreted as "months,years".
read it over again, you might see it

Are you kidding me? That's how you read that?

[7uongo]

Originally Posted by HOOT

Are you kidding me? That's how you read that?

yes, that's how I read that.

Are you going to have a stroke over it?

[HOOT]

nm

[MissKat]

Originally Posted by narbeZ

Thanks for all the help so far guys. Ive sent out two emails to the seller again today with no reply.

Sorry but youre just wasting your time, why even bother? Its 2 months after this all happened. I can gaurentee you he read your email and is sitting there laughing while looking at his brand new TV that you helped pay for.

And you should have posted this earlier, waiting 2 months is going to be near impossible to get your $ back.

[stang]

Originally Posted by MissKat

Sorry but youre just wasting your time, why even bother? Its 2 months after this all happened. I can gaurentee you he read your email and is sitting there laughing while looking at his brand new TV that you helped pay for.

And you should have posted this earlier, waiting 2 months is going to be near impossible to get your $ back.

I think you need to reread the OP

[7uongo]

Originally Posted by HOOT

I'm just curious why someone would say they worked at a place for "months, years". How would that ever make sense?

He worked at a back for a few months......years back.

Not worked at a back for months, years.

it makes sense as he's giving a general idea of when he last worked at a bank.

and while you're nit picking at wording, what's working at a "back"?

[MissKat]

Originally Posted by stang

I think you need to reread the OP

Oops my bad.