<prompt> Human: So heres the situationI bought a scope from someone on armslist and paid for it using paypal. I used the friends and family option not realizing that paypal wouldnt cover it. Long story short I paid the money and the scope never showed. Paypal said they wouldnt cover it and I filed a fraud complaint with my bank, wellsfargo, and they said they would do an investigation and I would likely have my money back in 10 days.Fast forward 2 weeks to today and the money still hasnt come in. I called them to get an update and they said they had determined that they were not going to cover the transaction and wouldnt be more specific as to why. They then told me to call paypal. So what do I do?  <response>: I used the friends and family optionThats why your bank wouldnt cover it. You shouldnt use that option if you dont know the other party, its treated differently than merchant transactions by PayPal. Its not considered a payment in exchange for goodsservices, so theres no buyer protection.Edit: PayPal Purchase Protection information Note in examples of transactions not covered, it includes: Send Money transactions to friends or family.Edit2: That being said, you still might be able to sue the seller for the amount if you actually have their real information. But my guess is any nameaddress they gave you is fake. This is a pretty common scheme. 