posted on June 10, 2002 03:37:42 PM new
I just got this email sent to me:
Below is the result of your feedback form. It was submitted by
([email protected]) on Monday, June 10, 2002 at 23:26:44
---------------------------------------------------------------------------
message: <br>Dear User,<br>We have resonantly updated our servers to provide you with a faster and more secure connection to your PayPal account. In doing so we had to edit some data. To ensure that you account doesn't become deleted we are asking that you < a href="http://www.paypalupdate.da.ru">click here</a> and login on our new servers by 07/01/02 to ensure that your account stays active.<br><br>We are very sorry for the inconvenience,<br>Julie Ancel<br>Server Manager<br>05/10/02<BR><BR><BR>n8t1d
posted on June 10, 2002 04:05:06 PM new
I received the same letter and sent it to Paypal and here is the lovely response I got.
Dear jennifer,
If you have sent a payment, but believe the seller to be fraudulent, or
have not received product, please log into your PayPal account, click
"Security Center", then click on the "Buyer Complaint Form" and follow the
instructions. DO NOT submit a claim of unauthorized access to your PayPal
account, as it may result in termination of your account, and will not
result in refunding you for your purchase.
If this is a PayPal transaction showing up on your Credit Card or Bank
Statement that is NOT on your PayPal Account, please call (888) 221-1161
and request to be transferred to the Stolen Credit Card/Stolen Bank Account
Department. Please note, only reports of stolen Credit Cards and stolen
Bank Accounts will be handled by phone. All other reports will only be
acted on if emailed via appropriate webform.
If an unauthorized party has accessed your own PayPal account, or to report
a fake PayPal email or website, please log into your account and click
https://www.paypal.com/cgi-bin/webscr?cmd=_contact, then select 'Suspicious
Activity' and the appropriate subcategory.
If you have already submitted an affidavit of Unauthorized Use of Your
PayPal Account and are contacting us to determine the status of your claim,
please bear in mind that each preliminary investigation may take up to 10
business days, and we will contact you by email at the end of the 10
business days. If it has already been 10 business days since your initial
report and you have not yet been informed of the outcome of the preliminary
investigation, please email us at [email protected], and we will
respond to your email typically within 2 business days.
If your problem is not one of the above scenarios, then please contact us
at http://www.paypal.com/cgi-bin/webscr?cmd=_contact-general or
https://www.paypal.com/cgi-bin/webscr?cmd=_contact and describe the
situation in full detail.
posted on June 10, 2002 04:22:30 PM new
Actually thats an auto generated email and payponzi will probably wait until they get calls or someone tries put in a claim for unauthorized withdrawal. Then they'll blame it on the customer.
posted on June 10, 2002 05:21:28 PM new
tjbrocean;
RE: "I guess they do not give a crap!"
That's the understatement of the year!
If they gave a crap about fraud (as they claim to) and / or customer service (which they don't even claim to) - they would take someone trying to report a fraudulent web site a little more seriously. They wouldn't just say "try to report it another way, then see if we can understand you. If not, Oh Well!"
posted on June 10, 2002 08:32:11 PM new
i have a merchant account and i had 6 chargebacks last year and besides losing my merchandise,shipping (overseas express),credit card fee ,i also had to pay 15 x 6 = 90 dollars worth of chargeback fee.
credit card transaction fee and discount fee is not refundable with any merchant account.
chargeback fee varies from 10-25 .
some merchant account provider will assess chargeback fee whether merchant is at fault or not.
so paypal users are getting away cheap!!
posted on June 10, 2002 08:54:23 PM new
The whole system is somewhat corrupted by monopolistic powers. Visa/Mastercard set the rules, and everyone has to follow. If there were greater competition, then we would see better rates and service.
Why is it that credit cards don't have a PIN # associated with them? This would seem to be the most secure way of keeping the cards safe. The reason is that Mastercard and Visa have no real incentive to cut credit card fraud, because it doesn't come out of their pockets - it comes out of the merchant's pockets.
Of course, the flip side is that Mastercard and Visa are universally accepted, which is a nice feature for cardholders. If there were 30 different networks, we wouldn't have it so smooth...
posted on June 10, 2002 09:05:05 PM new
I can only guess as to why credit cards don't have pins. To require pins would mean getting pin pads at every single store, which would cost a lot of money for store owners, etc. and not be very logistically feasible. A signature is basically your pin. Stores are supposed to compare the signature of your card with the signature of the recipt. If the store doesn't want to do it then that is their problem and that is why they lose money.
In terms of online transactions, your address acts as a pin sort of. If anyone finds your card they can't easily use it in a store (unless the store doens't compare signatures), and they can't use it online since nearly every place requires a billing address, even if there are no goods being shipped or if the goods are being shipped to a different address. I believe address verification uses your house number and zip code, so a theif would have to know that to use your credit card.
posted on June 10, 2002 09:13:18 PM new
Hmm, very true. However, it wouldn't take a brain surgeon to figure out where I live. Particularly if they intercept my mail, or find my address with an order somewhere.
The pin number terminals are installed everywhere already. If you can accept credit cards, you can also accept debit cards (as far as I know) with the addition of the pin pad. You would think that this would be an easy way to prevent fraud, or at least minimize it. I'm surprised at how easy it is right now to snag a credit card (waiter at restaurant, attendant when you leave it at the gas station, etc...)
PIN numbers would cut down significantly on the fraud...
posted on June 23, 2002 07:19:39 PM new
I think that PIN number is a great idea. It needs to be something that can't be changed online. I would also help if there were an automated phone based system for authorization of online transactions. It might slow things down but it would add a level of security that would prevent much of the password stealing fraud from occuring. I personally believe that Paypal users should not be held responsible for breaches in security or fraud involving "hacked" accounts involving verified users with confirmed addresses.
posted on June 26, 2002 09:58:20 AM new
On comparing signatures......
If you can sign a CC receipt so it looks like exactly the signature on the Card to the average layman, then by God tell us how! These are not signature experts comparing them. So anyone can look at the back of the card for a few minutes and then do a reasonable forgery good enough to fool any clerk.
There are only 10 types of people in the world
Those who understand binary and those who don't
