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u/Ok_Relationship_4687

r/GCashIssues r/phinvest r/Antiscamph r/GCashPH
▲ 9 r/GCashIssues+2 crossposts

GCash scam ₱16,500 lost through P2M QR, refund denied despite no goods received. What to do next?

I got scammed on August 4, 2026 through a Facebook Marketplace seller selling a Nintendo Switch 2. The seller video-called me and showed the item, claimed he needed urgent payment for medical bills, and said it would be delivered through Lalamove.

I sent ₱16,000 + ₱500 = ₱16,500 through a GCash Scan to Pay/P2M QR. The QR showed the merchant as JAN ADRIAN GONZALES, with Marikina as the merchant location, which did not match the Facebook seller.

About 10 minutes later, the seller blocked me. I contacted the actual Lalamove driver, who confirmed he had been waiting at the pickup location and had never received any item. I received absolutely nothing.

I reported it to GCash immediately, submitted screenshots, conversations, receipts, videos, and the Lalamove evidence. I also reported it to BancNet, Maya, CICC, and BSP.

The frustrating part is the conflicting responses:

  • Aug 12 — GCash: refund declined because the transaction was supposedly valid and the goods/services were successfully fulfilled.
  • Aug 14 — BancNet: told me they were still waiting for GCash's response.
  • Aug 17 — GCash after BSP endorsement: said they couldn't retrieve the funds because I personally confirmed the Scan to Pay transaction.
  • Aug 18 — Maya Regulatory Team: said the transaction originated from another financial institution and closed their BSP case.

The issue is that I authorized it because I was deceived, and no goods or services were ever delivered.

I now have a BSP complaint, CICC documentation, and all the evidence. I'm trying to understand what else I can do to recover the ₱16,500 and why GCash and Maya are giving seemingly conflicting information about where the transaction went and whether the dispute was actually processed.

If anyone has experienced something similar with a GCash P2M/Scan to Pay scam, especially one where the refund was initially denied, I'd really appreciate hearing what happened in your case and whether you were eventually able to recover the money.

I have all the evidence organized and can provide the relevant documents/screenshots if needed.

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u/Ok_Relationship_4687 — 2 days ago
▲ 2 r/GCashIssues+1 crossposts

GCash scam dispute — does this mean my case is actually being investigated

I got scammed through FB Marketplace and reported the transaction to GCash. They initiated a dispute, and I just received this update from them today:

“This is a quick update regarding your disputed transaction, which is currently under review by the merchant and their partner bank.

Please be advised that this process is ongoing, with 10 business day(s) remaining until the expected resolution date. We have been monitoring the progress closely since the initial filing and will continue to track it through to completion.

We will reach out to you immediately as soon as a formal update is received.”

For people who have dealt with GCash disputes before, what exactly does this mean?

Does “under review by the merchant and their partner bank” mean the dispute has already been forwarded to them and they’re currently investigating it?

Also, GCash originally told me on Aug. 7 that the dispute had been initiated and that these disputes usually take around 10–12 business days. Now they’re saying 10 business days remaining.

Is this a good sign, or is this just a standard update they send?

I’m just trying to understand where my case currently stands and whether there’s still a realistic chance of getting the money back. Any experiences would be appreciated.

u/Ok_Relationship_4687 — 11 days ago