[kailes2872]

I had a very similar circumstance last month. Lots of conversation, then the payment is made, then radio silent. He sent a refund, I receive the cards the same day. I sent him another payment. The refund was then put through on two different occasions and he had insufficient funds. He was once again quiet.

I had paid by Visa linked to my paypal account. I tried to use friends and family, but for some reason, it would not do an instant transfer. As a result, it sent the amount (995) and charged me $28.37 for the transaction. I was bummed that I had to pay the extra $28.37.

When it became clear that the refund wasn't going through, I filed a claim with Paypal. I also filed a claim with Wells - letting them know that I filed a claim with Paypal. In the resolution form, I cited the transaction id's of the double payment and the refused refund. It took 5 days, but I received immediate credit. I think they reached out to the seller and somehow got a response and the payment sent back. They also refunded the $28.37 paypal charge.

Walls issued $4.48 cents as a refund immediately as they said that I was not liable for a balance during the dispute and they would have a response in 60 days. I had paid for it immediatley, so I never incurred interest charges - so it was a gift from Wells. They told me that it appeared that my case was open and shut. They would work with Paypal and be sure that I am refunded. If I did not get satisfaction from Paypal, they would refund it and then work on getting credited back from Paypal. I probably didn't need to contact them at the same time, but I was just going fro double the protection.

The refund came back to my Visa. Since it had a zero balance, it came back as a credit. I was quick to buy a few cards to spend it down - lest it be used for clothes, shoes, and other non-essentials (with my cards being the essential).

I learned a really good lesson. I don't use Paypal F&F unless it is someone who I trust on this board. There are some rotten people out there. Had I not been charged the fee by Paypal, I was probably out of luck - and that was what I tried to do.