Binance P2P transaction followed by a $2,000 Zelle chargeback - possible third-party scam? What should I do?

Hi everybody,

I'm on the lookout for recommendation on a state of affairs involving Binance P2P, a $2,000 Zelle cost, and a subsequent fraud-related chargeback. I'd respect listening to from anyone who has handled an identical state of affairs, particularly relating to Binance account restrictions, potential recovery choices, and find out how to handle the banking aspect.

Right here's what happened:

1. I accomplished a Binance P2P transaction with a purchaser for about $2,180 and released the USDT. The unique order was completed successfully.
2. Instantly after the order was closed, the identical individual contacted me outdoors Binance, by means of WhatsApp (we had exchanged telephone numbers a couple order earlier than). He advised me that a further $2,000 had been despatched “by mistake” and requested whether or not I might ship him again the the money by way of Zelle or USDT.
3. The cost got here from a third social gathering whose identify was totally different from the Binance purchaser's identify.
4. The Zelle cost was despatched to a pal's Zelle/checking account, which I had been using as a cost technique on my Binance P2P profile. I perceive that utilizing another person's cost account might violate Binance's P2P guidelines.
5. The customer gave me a pockets tackle to send again the 2k. I despatched 2,000 USDT to that tackle, and the customer confirmed in writing that he had acquired the funds.
6. On the identical day, my good friend's checking account was debited for the complete $2,000 after the transaction was reported as fraud.

I contacted the customer and he stated that it was in all probability the financial institution that flagged the cost as fraud, however that he took care of it and it will be solved in 24-48hrs. The customer continues to be responding, however he's avoiding the difficulty. We don't know what the unique sender informed their financial institution, whether they approved the cost, or precisely why the cost was reported as fraud.

I have not but contacted Binance about this specific incident. My Binance account at present works usually, with no restrictions. I've used my pal's Zelle account in approximately 6–20 P2P transactions over the past 1–6 months, and not one of the previous transactions brought about issues.

My important concern proper now's resolving the banking problem, however I'm also fearful about potential restrictions on my Binance account and whether there's any reasonable approach to get well the USDT.

Does this sound according to a third-party or “man-in-the-middle” scam? Should I hold myself from reporting it to binance to keep away from getting my account blocked for utilizing my pal's zelle account to receive the money? Should I just take the loss and move on?

I perceive that accepting a cost from a third celebration and conducting a further transaction outdoors Binance have been critical mistakes. I'm not making an attempt to hide these details; I need to perceive one of the simplest ways to handle this now.

I'd recognize sensible recommendation from individuals acquainted with Binance P2P disputes, Zelle fraud claims, or comparable instances. Thank you.