Log in to your PayPal account to file a charge dispute. Click on Help, and then on Resolution Center at the bottom of the help menu. A charge can be challenged for 180 days. Select the transaction you want to dispute and click Report a problem.
FAQs
If you report unauthorized transactions conducted using your PayPal account within 180 days of the payment date, you can claim a refund. However, if you send money to a fraudster through a phishing scam or using PayPal’s peer-to-peer payments system, you’re out of luck.
Each claim that a PayPal buyer receives is charged a dispute fee. Merchants with a ratio of disputed transactions greater than 1.5 percent and more than 100 monthly transactions in total would be charged $16 instead of the regular $8 dispute fee.
Although customers can file a dispute or claim with PayPal to receive a refund, others choose to contact their credit card company directly. When they request a chargeback without using PayPal, it signifies they’re contesting a payment and demand a complete return.
PayPal holds the funds for a transaction until the dispute is resolved if a buyer enters the dispute resolution process. If a dispute between the buyer and seller cannot be addressed, the dispute can be escalated to a claim, and PayPal will decide the outcome.
In most circumstances, sites that assist buying and selling are always on the buyer’s side, which is why, rather than waiting until you have a claim, you should take all necessary precautions to prevent the buyer from grabbing your money before it reaches your pocket.
If the seller fails to react, the claim will immediately close in the buyer’s favor, with a full refund. If the seller responds, PayPal will assess the information supplied and decide how to proceed with the claim.
When cancellation is possible, PayPal transactions are simple to cancel. However, most transactions are completed promptly and cannot be reversed. You’ll need to request a refund or go through PayPal’s dispute resolution process for those transactions.
Inform the company’s fraud department about a scam using an online merchant or a payment transfer method. If you paid a scammer with your credit card or bank account, notify the card provider or bank. Scams should also be reported to the major credit reporting organizations.
Paypal Holdings Inc. formed the PayPal Global Investigations team to encourage safe use of its services, improve the user experience, and work with local, national, and international law enforcement to capture and prosecute criminals.
All claims must be filed within 45 days of the transaction, according to PayPal. If you wait any longer, PayPal will automatically reject your claim. You must also ensure that you paid for the things in question with PayPal rather than a credit or debit card.