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

Hi everyone,

I'm in search of advice on a state of affairs involving Binance P2P, a $2,000 Zelle cost, and a subsequent fraud-related chargeback. I'd respect hearing from anyone who has dealt with an analogous state of affairs, particularly relating to Binance account restrictions, potential recovery options, and the best way to handle the banking aspect.

Here's what occurred:

1. I accomplished a Binance P2P transaction with a buyer for about $2,180 and launched the USDT. The unique order was completed efficiently.
2. Instantly after the order was closed, the same individual contacted me outdoors Binance, by means of WhatsApp (we had exchanged telephone numbers a couple order before). He informed me that a further $2,000 had been despatched “by mistake” and asked whether I might ship him back the the cash by means of Zelle or USDT.
3. The cost came from a third get together whose identify was totally different from the Binance buyer's identify.
4. The Zelle cost was despatched to a good friend's Zelle/checking account, which I had been using as a cost technique on my Binance P2P profile. I understand that using someone else's cost account might violate Binance's P2P guidelines.
5. The customer gave me a pockets tackle to ship again the 2k. I despatched 2,000 USDT to that handle, and the customer confirmed in writing that he had acquired the funds.
6. On the same 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 might 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 bank, whether or not they approved the cost, or precisely why the cost was reported as fraud.

I've not but contacted Binance about this particular incident. My Binance account presently works usually, with no restrictions. I've used my good friend's Zelle account in approximately 6–20 P2P transactions over the past 1–6 months, and not one of the earlier transactions prompted problems.

My fundamental concern right now's resolving the banking concern, but I'm also apprehensive about potential restrictions on my Binance account and whether there's any reasonable strategy to recuperate the USDT.

Does this sound according to a third-party or “man-in-the-middle” scam? Ought to I maintain myself from reporting it to binance to avoid getting my account blocked for utilizing my pal's zelle account to obtain the money? Ought to I simply take the loss and move on?

I understand that accepting a cost from a 3rd celebration and conducting a further transaction outdoors Binance have been critical errors. I'm not making an attempt to cover those details; I need to understand one of the simplest ways to deal with this now.

I'd recognize sensible advice from individuals accustomed to Binance P2P disputes, Zelle fraud claims, or comparable instances. Thanks.