Complaint Review: Paypal Inc & scammer Brian Choy

Hi, at first I will give an abstract of my case. In simple words, I sold a digital game stuff to some one named Brian Choy through Paypal, who used a Canadian HSBC bank card and later he charged back successfully. The evidence I represented to Paypal is obvious. But paypal 's judgements is that I lose the case.

I will try to represent the case in the simpliest way. The scammer added my skype using brian_choy, at first he offer with e-interact. But I can not take the safe way since I am in US and I do not possess a canadian bank account.

We made an agreement of a deal of two items, 358 USD in total. I never meet charge back case before so I simply asked the buyer to add a note for this transaction:

"This account belongs to me, I will not chargeback with credit card issuer, this transaction is final and no refunds will be asked for. I will not claim unauthorized account access through PayPal and I swear this money is from my PayPal Balance. I am 18+ old. ".

He did and then I received the money in sec and chose to transfer the money to my bank account which takes 3-5 business days. Then I gave the items to the buyer online.

The next day, I received a email from paypal that the buyer launched a "unauthorized" dispute and the transaction is under investigation.

I was asked to gave proof. I tried my best to upload those snapshot from skype which say everything clearly. I even upload a snapshot which contain a snapshot the buyer send to me through skype to show that he, Brian Choy, just used his paypal account send me that amount of money, its him that sent the money.

I thought I could win easily, since I have the snapshot showed that buyer received the item (of course, he claimed unauthorized, not goods did not receive), the snapshot from buyer that he is the one paid me and I have the note that buyer added for this transaction.

However, I lose the case. The paypal agent called and just gave one reason for my failure: Virtual Seller is not protected, so the buyer will win.

In fact, the buyer send money use the option, pay for goods, which means that paypal will deduct some money of mine as convenient fee. So paypal earns from a certain transaction but gave no protection at all. Does it really make sense.

Besides, I have the evidence show clearly the buyer has received everything, he aplogized at first and promised to repay, later when he chose to ignore me, I know things went wrong. However, even though paypal has the truth, they choose to protect scammer because of their policy, as indicated by the agent.

I just want to know, is the policy of paypal that earns from seller but give no protection and always protect buyer in chargeback case even the evidence of seller shows clearly the claim is a trap.

I do not have the power to catch Brian Choy, but since he later gave me a vaccent repay through e-transfer through and cancelled it in one day, I uploaded that pic in evidence pic link. He is paying through HSBC canadian bank. So HSBC has his informaton.

I only want to fight my right and get the money I deserved back. Paypal's policy is not really good in this area so scammers could use this "bug" to do whatever they want as my case indicates.

Thank you. This is the last way I can fight for myself.

evidence pics:

http://imgur.com/a/krFeu#0