{"success":true,"data":{"id":"fake-facebook-marketplace-buyer-overpayment-scam","label":"Fake Facebook Marketplace buyer overpayment scam — scammer poses as buyer, claims accidental overpayment via Zelle/Venmo/Cash App/PayPal, asks seller to refund the difference; the original payment is fabricated","description":"Overpayment scam targeting Facebook Marketplace sellers — the scammer contacts the seller posing as an interested buyer and claims they accidentally sent too much money via Zelle, Venmo, Cash App, or PayPal (e.g., $650 instead of $350) and asks the seller to refund the difference before pickup. The critical detail: the original payment either was never sent, is a fake screenshot, or will be reversed after the seller sends the \"refund.\" The seller loses real money while the buyer's payment vanishes. Key facts: (1) Legitimate buyers do not overpay and then ask for refunds via email — they simply send the correct amount; (2) Peer-to-peer payment apps like Zelle have no buyer protection and cannot reverse sent funds — this is why scammers use them; (3) The \"payment screenshot\" attachment is either fabricated or shows a pending transfer that will never complete; (4) The scam exploits the social norm of being helpful to someone who \"made a mistake.\" Warning signs: overpayment + refund request from unknown buyer, urgency (\"come collect today once you return\"), peer-to-peer payment app with no recourse.","tier":"danger","category":"scam","isThin":false}}