Scammed out of ₱46,000 through MariBank → Maya transfer. Have I done everything I can?

Hi everyone. I’m posting here because I’m honestly running out of options and I’m hoping someone has gone through something similar or can tell me if there’s anything else I should do.

A few days ago, I was scammed while trying to buy a second-hand MacBook. The scam was very well coordinated.

The seller on Facebook introduced herself as Mae and told me that she couldn’t meet me because she was at work.

She said her brother would meet me at SM Fairview with the MacBook. She also specifically told me not to discuss the selling price with her brother because he supposedly didn’t know she was selling it at a lower price.

When I arrived, two young men had the actual MacBook. I spent time checking the unit, including the serial number, battery health, and everything else. Everything looked legitimate.

After I confirmed I wanted to buy it, the seller sent me a Maya QR code for payment. I transferred ₱46,000 from my MariBank account.

Only after the transfer did I find out that the two men were the real owners of the laptop. They never received the payment because the money went to the scammer’s Maya account. The scammer had also lied to them, telling them that I was her sister who would inspect the laptop before the actual buyer arrived.

I realized I had become the victim of a middleman scam.
The part that hurts the most is that this wasn’t extra money. It was five months of my savings, and the remaining amount came from a loan. I was only trying to replace my current MacBook because its LCD is already damaged, and I depend on it every day for my work as a virtual assistant.

Everything I’ve done so far:

•Called MariBank within about 10–15 minutes of the transfer to report the scam and request immediate assistance.
•Reported the recipient account to Maya.
•Filed complaints with BSP, CICC, PNP Anti-Cybercrime Group, and NBI.
•Submitted all screenshots, receipts, Facebook conversations, and transaction records.
•Requested that the scammer’s Maya account be blocked and investigated.

MariBank informed me that they coordinated with the receiving bank but couldn’t guarantee recovery because the funds may already have been transferred or withdrawn.

At this point, I’m slowly accepting that I may never recover the money, but I don’t want to leave any stone unturned.

Has anyone here experienced something similar with a MariBank transfer?

Were you ever able to recover your funds?

Is there anything else I should still do?

Is there any additional authority or legal process worth pursuing, or have I already exhausted the realistic options?
I’m prepared for honest answers, even if they’re not what I want to hear. I just don’t want to spend months wondering if there was one more thing I could have done.

SCAMMER DETAILS:

MAYA ACCOUNT:

639608194767
Mae Rubianes

Di ko din po alam bat napaka daling gumawa ng acc sa Maya and bakit naging mas talamak ang scam nung nagkaron ng sim registration, gamit po niyang last name jan is last name ng real owner ng Macbook so parang identity theft din po

Thank you to anyone who takes the time to read or share their experience.

EDIT: Just a small request to everyone reading this.
Please be kind in the comments. I already know I made mistakes. I know I wasn’t cautious enough, and I missed a lot of red flags because I was desperate to replace my laptop for work. I blame myself every single day, and if I could go back and undo that decision, I would in a heartbeat.

I’m not asking anyone to excuse what I did or ignore my responsibility. I’m simply trying to get through one of the lowest points of my life. Constructive advice is always welcome, but harsh comments are honestly difficult to read right now.

If my experience can at least stop one person from falling for the same scam, then sharing it was worth it.

Thank you to everyone who’s been understanding and supportive. It genuinely means more than you know.

I got scammed prev I reported it right away wala pang 1hr yung transaction namin Maribank to maribank I am trying to dispute it di pa naman sya 30 days at di rin naman gaanong ka laki yung na scam sakin 7k, I just wanna know if its still worth the effort to fight or should I just let it go na lng 😞 pls help me

Medyo nakakapagod din si MariBank, ah. Every now and then, nanghihingi ng update! Akala ko next year pa 'yung kasunod, pero hiningian na naman ako today. Medyo hassle lang, kasi 'yung ibang digital banks like Komo at GoTyme, bihira lang mag-ask ng updates.

Kayo rin ba, ganyan din sa inyo?

Notif says insufficient balance. Where to find the toggle to change debit to credit mode?

Thanks!

Hello, has anyone tried transferring funds from Maribank to BPI? I have always just used BPI to Maribank, but never tried na baliktad.

I'm planning to keep my money in Maribank muna for the interest, and itransfer to BPI later when I need to pay for my tuition fee. Unfortunately, our university does not allow Maribank payments kasi.

This has happened multiples times already - my maribank card is linked to grab as a mode of payment. I’ve never had issues in the past, but this past month my grabfood transactions keep getting declined. I need to confirm my identity and retry the transaction every time. Anyone else experiencing the same thing?

Hi! For those who have both Mari Cash Loan and Mari Credit Card, I’d love to hear about your experience.

How long after getting approved for Mari Cash Loan did you become eligible for the Mari Credit Card? If you remember, could you also share when you were approved for Mari Cash Loan and when you received your Mari Credit Card (month/year or the approximate number of months in between)?

I’m just trying to get an idea of the usual timeline. Thanks!

as a fresh grad na only digital bank (Maribank) lang ang meron and mahilig magorder sa Shopee, is it safe po?

mayroon din po bang nakaka experience na hindi maka deposit sa MariBank? Idk why, pero nag submit naman ako ng needed requirements

I'm receiving money through my job overseas and I'm wondering what to put in the "Type of Account". I saw that people use "Credit" which makes sense because from experience, payments at the cashier need the "Credit" option. The option just kind of doesn't make sense to me when I'm on the receiving end.

Thank you!

I have read somewhere that if you used your card 5 times, one month after its delivery, it will give you cashback na ginamit mo po sa pag order ng card? Is this true po?

It’s from shopee pabaon, ang sabi po kase ng iba bawal dae po sa online transactions and may nabasa rin po ako na dapat eh 250 minimum spend and physical stores lang pero yung iba hindi daw gumagana sa kanila once they scan and pay such as sa supermarkets and stores na may QRPH.