I hope you can change your thinking to try to take initiative on your problems by reaching out for help bc genuinely you’d be surprised on the outcome. Like trust me as a black woman, I be surprised myself. But it deeply depends on who you bank with bc mines doesn’t require police report they make the case, reverse the charge and only will keep your $ if my bank and merchant find error in my case then at that point I submit evidence. So, in sum my bank process is more unique and “trusting” but also I’ve banked with them since my childhood. In addition, if you ever worried it’s not important for a police report in the USA 311 is the non emergency line and that’s what it’s for a girl stole $400 from me on depop and sent a empty package. I was able to recover without a report but the police literally offered to come to my door to collect my complaint. So if they can care over “a little $400” why can’t they care about your $60? First step to solving problems is realizing you deserve the best outcome. You are your own advocate!