So, I bought a new cell phone on eBay last night, using Buy It Now, and sent the buyer about $100 via PayPal. This morning, I see that the seller is now listed as “no longer a registered eBay user,” which immediately causes me to be suspicious.
“But he had 100% positive feedback, so it must be a glitch,” I tell myself.
Until I check his feedback in detail, which I clearly should have done beforehand, and see that all ten of his feedbacks were posted in the last couple days by users who have, like the seller, now disappeared from eBay.
So now I’m pretty sure I’ve been scammed, and I really can’t afford to lose this $100.
But the PayPal transaction is still listed as “pending,” and the money doesn’t seem to have been taken from my bank account or credit card yet.
I’ve contacted PayPal, but they basically said “We can’t stop the transaction from going through. All you can do is file a claim if you never receive your item.” Well, that sounds like a reasonable policy, but obviously something is wrong if this guy is suddenly no longer an eBay member, despite having ten more auctions for similar phones still going on.
So is there any way I can tell my credit union to not honor the PayPal request? Or, if I just withdraw all the money from my account, will that accomplish my goal? Or would be a Really Bad Idea, like bouncing a check or worse?