<prompt> Human: Pretty much what happened was I got scammed for 200 for some Tame Impala tickets I found through Craiglsist stupid of me, trust me I know. I immediately realized I got scammed once I sent the money and notified Venmo and my bank. Two things happened: one my bank froze all money coming out of my account to Venmo for exactly 200 and two: Venmo told me that they have realized the user I sent the money to was a scammer and froze all his accounts.Great it looks like Im in the clear. I am dead wrong. A few days later Venmo tells me I owe them 200 since they went ahead and paid the scammer anyways. What follows is a series of e-mails and phone calls to their support team telling them there is no way I am going to pay the debt since they knew it was fraudulent money. They give me their whole speech about how per user agreement they dont offer buyer protection and there is nothing they can do besides testify to the police if I file a report.Now I am left with an unpaid debt they say I owe and are threatening to report me to collections.Should I go ahead and pay the debt or is there grounds in my story worth fighting for?tl:dr I got scammed for 200 on craigslist for fake tickets using Venmo; warned my bank and Venmo, froze all assets from my account, Venmo went ahead and paid the scammer anyways now theyre threatening to send me to collections unless I pay up.  <response>: per user agreement they dont offer buyer protectionPay the 200 and move on. 