I become a victim of this scheme which a user is using a money come from scam or hack bank account which they send the money on my account in exchange to my Bitcoin. The result is I was subjected to investigation and the bank freeze my account since the bank claiming that my funds came from illegal activity which is already flagged to the authority.
This is sad, but how do this scammers do this like were you not vigilant enough to notice if they send the money from an account that match with the name the merchant use on the exchange? Because I know cases like this is the reason why third party payment is frown upon. If crypto is legal in your place your history from binance might be enough evidence to clear your name but the funds and your bitcoin can’t be returned.
I experienced this during the initial introduction of P2P on Binance. That’s why I suggest to only deal with trusted P2P users so that he will not encounter a problem because there’s still some merchant that pays using other banks name since banks has limit per day on allowable transaction.