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screw paypal toolkit 2013 still handy

Screw Paypal Toolkit (2013 still handy)
#1
Screw-PayPal.com
Toolkit Pro 2013
ALL The Secret Information That eBay & PayPal Doesn't Want You To Know!
Disclaimer
The materials contained on this website are provided for general information purposes only and do not constitute legal or other
professional advice on any subject matter. Our ebook does not accept any responsibility for any loss which may arise from
reliance on information contained on this site.
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personal computer. The contents of this ebook are protected by copyright under international conventions and, apart from the
permission stated, the reproduction, permanent storage, or retransmission of the contents of this site is prohibited without the
prior written consent of screw-paypal.com.
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This ebook and its contents are provided "AS IS" without warranty of any kind, either express or implied, including, but not
limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. While the
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Reproduction, distribution, republication, and/or retransmission of material contained within this ebook are prohibited unless
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1Toolkit Pro 2013
eBay and PayPal have many ways of determining your identity. This ebook is designed to help
prevent your eBay account from being suspended or your PayPal account from being limited
and help you to better understand why these companies operate the way they do.
Unfortunately many of you, who are reading this ebook, have already experienced the
frustration of having your PayPal funds frozen or ebay account suspended. This ebook will help
guide you through the process of getting back on eBay and PayPal. If you’ve already been
suspended on eBay, there are a lot of ways that eBay can detect if you are trying to open
another eBay account. We will show you how to prevent this from happening. If your PayPal
funds are being held, this ebook will provide you with some effective methods of compelling
PayPal to release your funds.
Before we get into all the other information included in this eBook, we must answer the million
dollar question:
Is There Life After PayPal?
Are there any alternatives out there today that are as "good" as PayPal? When PayPal first
launched back in 1999, it was obviously just about the only online payment transfer system set
up that was actually backed by some serious venture capitalist and talented developers. In fact,
in the beginning, PayPal was offering as much as $20 for people to sign up with them. Today,
PayPal acts like they don't need your business at all.
Luckily, there are several viable alternatives to PayPal. Most of these viable PayPal alternatives
came into existence because it was realized that there was a large pool of people who were
dissatisfied with PayPal or there were people who simply could not use PayPal anymore due to
the fact that their accounts will limited by PayPal. All of these people needed a place to go; all
of these people still have money that they needed to send and money that they needed to
receive. Inventive (and in some case opportunistic) entrepreneurs saw the need and attempted
to fill the void with their own startups and services. Over the years we've see several come and
several go. Today, there are still several PayPal alternatives that started some time ago that are
still with us today. They have grown, improved, and have gained a reputation for solid
performance and customer service.
There is "life after PayPal." First, PayPal is where it is today as THE number one e-commerce
solution because it was one of the first companies out there to offer the service that they do.
Second, PayPal ended up being a perfect fit for users of such popular and widely used services
like eBay. This fact alone propelled PayPal to the number one spot. PayPal remains number one
2-- in spite of all their problems -- because they are being protected by eBay and because they
are going through a phenomenal growth period where new users from around the world keep
signing up on a daily basis. These new signups make up for the business lost by their horrible
business practices.
PayPal -- the company -- is broken. The company shows no willingness to change its criminal
and fraudulent behavior. In fact, any thing that has happened in the past five years to make
PayPal a better company, have resulted only because of litigation (a court compelled PayPal to
make changes). That is not the kind of company you can trust with your money.
The NoPayPal Network is packed with good reasons as to why you should not use PayPal. The
fact that you found our network and are reading this ebook, probably means you’re already
experienced problems with PayPal and have seen first hand the devastating effects PayPal can
have on your business and your finances.
PayPal is a company that you cannot rely on. We would be making a grave error in not offering
alternatives to our members. Why? Because life goes on -- you go on. You still have to sell stuff
or buy stuff on eBay, you still have to make a living and be able to send and receive money
easily without a lot of hassles. You have to do all of these things -- without PayPal. The
NoPayPal Network is pleased to present you with numerous alternatives to PayPal. You don't
have to spend hours or days searching for a way to replace PayPal in your life. We have done
the research for you.
Click Here For A List Of The Best PayPal Alternatives. (A New Window Will Open)
http://www.screw-paypal.com/alternatives...tives.html
3CONTENTS
INTRODUCTION...................................................................................................Page 5
All The Reasons Why PayPal Might Limit Your Account................................Page 6
Restoring Your PayPal Account If It Has Been Limited.................................Page 10
Nuke PayPal With Complaints.........................................................................Page 12
Suing PayPal In Small Claims Court..................................................................Page 18
PayPal User Agreement Exposed.....................................................................Page 18
Protecting Yourself From Buyer Fraud...........................................................Page 19
Protecting Yourself From Chargebacks...........................................................Page 21
Getting Back On Ebay/PayPal After Being Suspended..................................Page 23
Understanding How eBay and PayPal Detect Your
Creation of Multiple Accounts..........................................................................Page 25
PayPal Alternatives............................................................................................Page 27
4INTRODUCTION
Understanding how PayPal acts, can help you anticipate what their next likely move will be,
regarding Your Account.
What makes PayPal the company they are today?
PayPal's public face is very different from the private PayPal that many of us never see.
While PayPal denies publicly they have a customer service problem, they admit they have a
customer service problem in private.
While PayPal denies publicly they don't make any money off of your money, PayPal admits it in
legal documents. PayPal publicly says their buyer protection is there for buyers, but in private
PayPal admits the policy is there to prevent costly chargebacks.
DISCLAIMER: The following information is taken for Security and Exchange Filings written and
prepared by PayPal Inc. The following information is all public record -- public record buried
deep where the general public would not find it (S-1 Filings, 10K-405 Filings, 8K Filings, 10-Q
Filings, 424-B1 Filings, etc.).
http://www.screw-paypal.com/did_you_know.html
Please visit the above link to read information that PayPal and eBay would rather you not
know.
5All The Reasons Why PayPal Might Limit Your Account
PayPal Might Limit Your Account and Freeze Your Funds Because:


















You received too much money into your account (this can be any amount that is not in
proportion to what you normally received during the average history of your account).
You transferred too much money out of your account ($2,000 US is the rumored
amount that triggers the fraud system).
You called customer service at PayPal and made somebody angry (there are
documented cases of irate customers calling PayPal only to find out their accounts were
limited moments after the phone call was made).
PayPal has reason to believe you have more than the allowed two PayPal accounts (One
Personal Account/One Premier Account).
Somebody filed a complaint with PayPal about you (a buyer or a seller or an interested
third party).
You filed a complaint against somebody (a buyer or a seller).
You initiated a chargeback with your credit card company.
You initiated a chageback with your credit card company before you filed a claim
through PayPal's Buyer or Seller Protection Program.
PayPal thinks you are trying to avoid paying PayPal fees by charging excessive shipping &
handling charges for your sales.
PayPal thinks you are using your PayPal account to speculate in the currency market.
PayPal doesn't agree with some content on your website (example: a man who ran a
well known blog had his PayPal account limited because his website contained a link to
the Pearl terrorist killing. He accepted PayPal donations on his website for his news
blog).
PayPal believes you are in violation of its User Agreement.
PayPal believes you are in violation of its Acceptable Use Policy (example: PayPal
believes you used your account to purchase a dirty book or dirty magazine).
PayPal believes you are in violation of its Privacy Policy (example: you gave information
to the police about a fraud suspect who is also a PayPal member).
PayPal believes you are in violation of their User Agreement.
You used your PayPal Debit Card to purchase material that PayPal finds objectionable
(even if it's legal in the real world).
You charged too much money on your PayPal Debit Card.
You went on vacation and used your debit card in another state or another country.
6•

























You used your PayPal debit card to make an online transaction that was not through
PayPal (or a telephone order).
You refunded a buyer through your PayPal account -- but did not use the proper refund
methods.
You lost a dispute claim.
You are late Paying your eBay fees -- or you owe eBay money.
You received a negative feedback comment on your eBay account.
You chose to use your PayPal account without verifying it.
PayPal believes that your account information is not up-to-date -- even if they have no
grounds to actually believe it.
PayPal tried to contact you over the phone and you did not answer.
You were the victim of fraud (example: you clicked on a link in an email that you thought
was from PayPal but it was really a phishing website).
You reported to PayPal an unauthorized purchase made on your PayPal account or your
credit card.
You moved into a house or new apartment that was occupied by somebody with a
limited PayPal account.
You logged into your PayPal account from a location that was not your usual log in
location (example: friend's house or place of employment).
PayPal has linked your account with another person who has a limited account and/or
outstanding issues to resolve with PayPal.
PayPal froze your account because they linked you as being "associated" with a family
member of yours that has an outstanding PayPal problem to deal with.
After conducting a credit check on you, your credit score was too high, too low or you
had too many open lines of credit or debt.
A third party contacts PayPal saying -- without evidence -- that you are engaging in
fraudulent activity.
PayPal suspects you are engaging in fraudulent activity.
PayPal believes that your business practices are risky and pose a potential harm to
yourself, to PayPal and to other PayPal members.
The phone number you registered with PayPal happens to be the same phone number
of somebody who has/had PayPal problems.
You new ISP number was associated with somebody who has/had PayPal problems.
You conducted a transaction with an individual who has PayPal problems (such as a
buyer or a seller). PayPal will "link" you with that person.
You sold something and the buyer was a con artist or scammer. You get "linked" to that
person.
You violated PayPal's user agreement by posting anti-PayPal writings or thoughts in a
public place (example: internet)
Your name, your address, your phone number, or your ISP is SIMILIAR to a person who
has/had PayPal problems.
You were associated with a person who has a frozen PayPal account.
You refused PayPal's request for very private information about yourself.
7•


























PayPal requested information from you which you supplied -- but you did not supply it
fast enough.
You logged into your PayPal account from a public internet cafe.
You sold an item on eBay that is popular for scammers to sell (high priced items or
popular items like Rolex watches, Play Stations, Computers, etc.)
You sold a Play Station 3 on eBay.
You sold an online e-book to a buyer who later filed a complaint against you -- PayPal
asked you for a tracking number and you could not provide it.
You went to PayPal's website and logged in using a proxy service or other anonymous
software that you use to protect yourself on the internet.
While registering, you typed your name wrong into your personal profile (example:
Smith, John when it should be John Smith)
You bought or sold something that was on PayPal's Restricted Items List (academic
software, concert tickets, OEM software, surveillance equipment or adult material, etc.)
You sent money to a country that is on PayPal's unauthorized list.
You received money from a country that is on PayPal's unauthorized list.
The bank account you verified with PayPal was a new account.
You have a high credit card balance that triggered PayPal's fraud detection system -- a
high card balance means a higher risk that you will engage in fraud.
PayPal conducted a third party investigation of you. Based on those findings, they
limited your account (you have been sued, arrested, charged with a crime, have too
many debts etc.).
PayPal tried to withdraw money from your bank account or credit card and was
declined.
You PayPal account shares similar details with an account that has already been frozen.
You PayPal account is in the negative.
Your PayPal account might become in the negative.
A chargeback was filed against you.
You attempted to modify or change your personal details but were not able to.
You removed your bank account or credit card information from your PayPal account.
PayPal believes you are not who you say you are.
You withdrew or transferred $2,500 or more from your PayPal account within 24 hours
or over a weekend.
You did something strange (example: transferred money to a roommate with a PayPal
account or a family member).
Your overall withdrawal and deposit activity is "suspicious."
Your name on your social security number does not match EXACTLY what is on your
PayPal account (example: Social Security Card/Number is Robert Smith but your PayPal
account name is Bob Smith).
The name on your bank account or credit card does not MATCH exactly with the name
on your PayPal account (example: William Smith vs. Will Smith or Bob Smith).
There are an additional 100 plus fraud ques unknown to the general public that will
trigger an unpleasant experience with PayPal.
8Believe it or not, these are all reasons as to why PayPal can and will limit your account. With a
limited or frozen PayPal account, you have NO access to your own money. There are many,
many more reasons as to why PayPal will limit your account and deny you access to your
money. Any number of things unknown to you or I can trigger such an event.
The reason why this is so disturbing is this: once your account is limited, you have a less than
10% chance of getting your account unlimited. That means less than a 10% chance of getting
your account restored to its previous state -- because you made a mistake that you did not
know was a mistake or PayPal accused you of something without having or offering any
evidence as to your guilt.
The simple whim of PayPal can destroy your business and your online reputation. The simple
whim of PayPal can freeze access to funds that you need to support your family, pay bills, take
that dream vacation or replace the busted tires on your car.
Most disturbing of all: PayPal does not need a reason to freeze your funds and limit your
account. Remember, PayPal says in its User Agreement (that you agreed to) that it can limit and
freeze your funds for "any reason."
Maybe PayPal needs a large infusion of cash for whatever reason -- or a short term loan on your
money. PayPal can freeze accounts on a mass level for no reason at all.
Why? Because PayPal CAN.
9Restoring Your PayPal Account if It Has Been Limited
In the event that PayPal limits your account as a result of suspected fraud or other problem,
you can restore it to its original, unrestricted state.
If PayPal determines that you have been engaging in fraudulent or high-risk activity (such as
selling fake merchandise or using stolen credit cards) or that you have not been abiding by the
terms of the user agreement (e.g., you've been using PayPal to sell pornographic material or
weapons), PayPal will impose limits on your account. Your account might also be limited if you
initiate a bank transfer that then fails due to insufficient funds or if you accept a payment that
is later disputed by its sender.
PayPal often limits the account's access to certain features, such as sending, withdrawing, or
even receiving money. This helps protect any other PayPal users with whom you've been
dealing and helps reduce subsequent losses that PayPal would otherwise have to incur.
You know that PayPal has limited your account when your Account Overview page has a pink
box that says Account Access Limited. As you might expect, click the "Click here for details" link
for an explanation.
PayPal prides itself on being good at spotting high-risk behavior, but they also recognize that
not all high-risk transactions are necessarily fraudulent or bad and not all disputes are the
seller's fault. Thus, PayPal has an appeals process for those who have had their accounts
limited.
Filing an Appeal
Needless to say, the best thing you can do if your account has been limited is to precisely follow
the instructions on the web site and in the notification email you receive. Often, this entails
completing a sequence of steps to provide PayPal with evidence of ownership of the PayPal
account, ownership of the financials attached to the account, and verification of your own
identity and address.
Only after you have completed all the required steps will a PayPal Account Review
Representative review your account. For instance, if PayPal asks you to fax several documents,
10your account will not be reviewed until you submit all requested documents and have
completed all the remaining steps.
In addition, make sure to double-check the email you received notifying you of your account's
limited access, because the PayPal Account Review Representative might have added extra
steps for you to complete that are not listed on the web site. For instance, if you are a seller on
eBay, PayPal will likely request tracking information for items you've delivered and proof of
inventory for additional items you're currently selling.
If you lose the email, you might not necessarily be able to find all the steps to complete on the
PayPal web site; in this case, your best bet is to call PayPal. However, if you no longer have
access to your email account, you might have bigger problems to deal with than just your
limited account.
A Last Resort
If you're really in a bind and cannot complete the steps requested of you for legitimate reasons,
you can always escalate your issue by writing a letter to a PayPal executive, contacting the
Better Business Bureau, or working with a legal representative.
Escalation in itself is not a guarantee that your issue will be resolved, but if your issue is
legitimate, it is likely that a new pair of eyes, perhaps with more experience and background,
will look at your issue and help reach a fair resolution.
Avoiding Suspicion
To prevent your account from being limited in the first place, keep your account in order by
following these guidelines:





Treat your PayPal account as you would your bank account: use secret passwords and
keep them to yourself!
Make sure your true name is on your PayPal account and that it matches the name on
your bank and credit card accounts. If you are a business, make sure the bank account
and credit card on your account are also in your business name.
Use accurate addresses and phone numbers that match those on your credit card and
bank account, and keep them current. False contact information can raise suspicion on
your account and make it more difficult to regain access.
Delete old or obsolete bank accounts and credit cards from your account. If you do not
keep your account up-to-date, you might find yourself in a bind when your account is
limited and PayPal asks you to prove ownership of a bank account with an old address.
If you are a seller, always use electronically trackable shipping methods so that if the
shipment or receipt of a physical good is in doubt, you can easily prove your case. Also
make sure to keep proof of inventory or merchandise, such as receipts, invoices, or
11•
proof of authenticity for older, collectible items. Maintain good relationships with your
suppliers so that you can easily access this information when you need it.
If you have any old or abandoned PayPal accounts, make sure to resolve your issues
with those accounts and then close them. If your account has been limited and PayPal
sees linked accounts with issues, such as a negative balance or outstanding buyer
complaints, PayPal will probably ask you to resolve those issues as well before they'll be
willing to lift the limitation on your active account.
Nuke PayPal With Complaints
If PayPal freezes your account for no reason and denies you access to your money for 6 months
or more, or even though you were the victim of fraud and PayPal sided with the scammer, your
options for getting your money back and/or being compensated for your loss boils down to
three options: You can try to work it out with PayPal, you can take PayPal to court (small claims
or a higher court) or you can file complaints that will pressure PayPal to see things your way.
If you are here, that means you are considering filing a complaint against PayPal. If you are
considering this, be sure that you have exhausted all of your options in terms of negotiating
with PayPal first. That means, if you are having PayPal problems, do not file a complaint against
PayPal until you have contacted PayPal and tried to resolve the issue with them.
This is important for a couple of reasons. First, if you file a complaint against PayPal without
dealing with them first (even though WE know that does little to no good), you will be informed
by the persons or agencies that you are making complaints to to contact PayPal first and try to
resolve the issue with them first. Your complaint will then go nowhere. Second, it is important
to contact PayPal first because you can gather all of the evidence that you need to do PayPal
real damage when you file your complaint. Without some kind of evidence showing that you
attempted to work the problem out with PayPal, your complaint will either be dismissed or
rendered completely useless.
When contacting PayPal with your problem, first attempt to communicate with them via email.
After you have sent them an email, immediately go to the telephone and call PayPal. Do not tell
PayPal that you have sent them an email on this issue. Write down what time you called, what
you said, and what the PayPal representative said. If you can get that person's first name, write
that down as well.
After you get off the phone with PayPal, evaluate if what transpired helps you or solves
nothing. Wait an hour or more and call PayPal again. With any luck you will have a different
customer service representative. Go through your whole problem again WITHOUT
MENTIONING that you called before about the same problem.
12Based on that information, go through the motions of trying to comply with what PayPal wants
of you. Now, check your email and see if PayPal has replied. If PayPal has replied, write down
how long it took them to reply. Copy the email and keep it together with your original email
that you sent them.
After looking at what you have thus far, I bet that what the people at PayPal told you is
different than what your email is saying. I bet that what PayPal told you over the telephone is
different than what somebody else at PayPal told you over the phone! You are now building
evidence against PayPal to use in your complaints.
Based on the information that you have thus far, this is how it all pieces together. Here is an
incomplete complaint letter showing how this fits together:
I have been a PayPal account holder for 1 year. I recently sold a computer via eBay. I received
payment for my computer via the PayPal service. After I received the money into my PayPal
account I shipped the computer to my buyer. When I logged into my PayPal account PayPal told
me was account was frozen and I could not have access to my money! PayPal accused me of
"suspicious activity." That is ridiculous! Paypal asked me to fax them a copy of my ID, credit card
statement and utility bill showing my address. I did this and PayPal still won't let me have my
money!
(Here comes the info you just collected)
I contacted PayPal via email -- it took them three days to reply. When I did get the reply it had
NOTHING to do with what I had written. They are jerking me around. A copy of my email and
PayPal's reply is attached. I called PayPal TWICE -- On January 16 at 3PM and January 17 at
630PM. The first time the customer rep (John -- he would not give me his last name or an
employee number or anything) told me XXXXXXXXXX. That did not help me in the least. I then
called PayPal again and this customer service representative (Janice) told me something
completely different! She told me XXXXXXXXX.
PayPal will not even provide me with evidence showing me what this "suspicious activity was."
But I had to supply PayPal with plenty of very private information! In the end the refuse to give
me my money back!
Obviously there will be much more to your complaint -- and your complaint will be customized
towards who you are complaining to (example: your complaint would differ based on if you
were writing to a federal law enforcement center verses complaining to a state agency
concerned with money transfer issues).
Next, you have to decide WHY you are complaining and WHAT YOU WANT. It does not help to
complain unless you describe what you want. In our above example you are showing that
PayPal is unfair and conducting questionable and illegal business practices to hold your money
(for its benefit). You are also describing in your complaint what you want: you want PayPal to
13return your money NOW. Not in 6 months, not next week and not tomorrow. You want your
money now. By saying what you want, it will make it easier for the persons or agencies you are
complaining to contact PayPal and pressure them to return your money. If, in this example, you
did not say what you wanted, the persons or agencies that you complained to might only
contact PayPal about their questionable business practices -- and not the fact that you want
your money back. So decide WHY you are complaining and decide WHAT YOU WANT.
Once you have contacted PayPal and gone through the motions of contacting PayPal to resolve
the issue, and once you have gathered all of your documentation and evidence, you are ready
to take on PayPal.
If you want to avoid court or having to file lawsuits to solve your PayPal problem, you have to
get other people to fight your cause for you -- for free. That is where "federal resources" come
in. There are government agencies -- and national complaints organizations -- who will take
your complaint and then take it to PayPal. These government agencies and organizations carry
far more weight, power and influence than any letter that you could write to PayPal yourself.
Often times, PayPal will cave in to your demands and solve your problem just from having these
agencies and organizations contact them and threaten them with further action should they
continue with their behavior.
That is the factor that you must count on: The pressure from these organizations and the
pressure that PayPal will feel from receiving other complaints from thousands of others. It will
be cheaper and less risky to solve your problem than to have PayPal challenged by a federal
government agency or court.
To begin the process of getting your money back you can file your complaint with the following
federal organizations:
Your United States Senators
Every state has two United States Senators. These two people are elected on a state wide basis
and represent your entire state in Washington D.C.. Your United States Senators have
enormous power and enormous influence. A simple letter or phone call from a U.S. Senator's
office can move mountains or force dogs and cats to sleep together.
Why will they help you? Every United States Senator has an office that deals with constituent
complaints involving a number of issues -- every problem imaginable are handled by your
United States Senators' office. Second, they want to get re-elected. Unlike PayPal, your
government representatives serve at the pleasure of the voters. They figure if they can help
you, you will be grateful and vote for them in the next election. Fair trade.
Contact your TWO United States's Senators with your PayPal problem. Don't forget to include
why you think PayPal was unjust to you and mention the fact that PayPal has a history of
14screwing its customers. You may submit your complaint via email or you may write them a
letter.
http://www.senate.gov (When you get there, look in the upper right corner of the page to find
your U.S. Senator)
Your United States Congressman/Woman
Unlike Senators, where every state has two, your state has anywhere from one to over 50
United States Congressman/woman. These people are elected in districts. In your congressional
district, you have ONE United States Congressman/woman. Like U.S. Senators, these people
have a huge amount of power and influence. Like Senators, members of Congress deal with a
huge amount of voter problems -- you name the topic, and they can and will help you. One
phone call or letter from them can solver your PayPal problem.
You can contact your member of Congress via email or write them a letter.
https://writerep.house.gov/writerep/welcome.shtml
The United States Department of Justice
The Department of Justice is the federal government's chief law enforcement agency and
prosecutorial office.
You can file a complaint with them via email or write them a letter.
http://www.justice.gov
The Federal Trade Commission (FTC)
The FTC deals with issues that touch the economic life of every American. It is the only federal
agency with both consumer protection and competition jurisdiction in broad sectors of the
economy. The FTC pursues vigorous and effective law enforcement; advances consumers’
interests... In short, these are the guys that PayPal is really afraid of. You can file your complaint
with them online.
https://www.ftccomplaintassistant.gov
15The Securities and Exchange Commission (SEC)
Why in the world would anybody complaint to these guys? Don't they have something to do
with the stock market or something? You are correct, they regulate all companies that are
trading stock publicly. They also are very concerned with companies who engage in fraudulent
activity which might manipulate their stock price and give investors a false picture of the truth
of a company's heath.
Your approach is this: PayPal freezes customer accounts so they can artificially inflate the
amount of cash reserves that they have (remember, your money is held in pooled bank
accounts under PayPal's name). This is an issue the SEC would be very interested in. Who
knows, maybe PayPal is involved in some kind of fishy accounting practices (remember Enron?).
You can file a complaint with the SEC online.
http://www.sec.gov/complaint/select.shtml
The Internet Crime Complaint Center (IC3)
Report PayPal to this feared and effective government task force. Your aim here is to highlight
the criminal and fraudulent nature of PayPal's activities. You must be able to detail how PayPal
wronged you and stole your money.
http://www.ic3.gov/complaint/default.aspx
Council of the Better Business Bureau
The Better Business Bureau is another group that PayPal has to answer to -- first because it has
enormous influence and second, PayPal is a member.
http://www.bbb.org
National Consumer Law Center
"The National Consumer Law Center (NCLC) is the nation’s consumer law expert, helping
consumers, their advocates, and public policy makers use powerful and complex consumer laws
on behalf of low-income and vulnerable Americans seeking economic justice.
Today’s consumer marketplace is complex and full of potholes, even for those of us with all the
necessary skills and advantages. For unsuspecting low-income consumers it’s far more
16treacherous - even the smallest misstep can lead to financial ruin and a sense of hopelessness
that paralyzes individual progress."
If you would like to contact the National Consumer Law Center to help with your PayPal
problem, you can do so online.
http://www.nclc.org
The National White Collar Crime Center (NW3C)
They will help you with filing a complaint against PayPal showing you how to do it and lots of
other places that you can go to. White collar crime is a term coined for something that PayPal
does: it is fraud and outright theft committed by those wearing a white shirt and tie to work
everyday.
http://www.nw3c.org/overview/what_we_do.cfm
17Suing PayPal in Small Claims Court
So you have decided to sue PayPal. You've got all your papers filled out and you are ready to go
to the post office. There's just ONE problem: You have no idea where to send your legal papers.
All states require proper service of your legal papers. Proper service includes sending your
papers to the right place. If you send your legal papers to the wrong address, PayPal can force
dismissal of your lawsuit based on the grounds that you "improperly served" them.
Remember, it's PayPal's goal to stay out of courtrooms -- they know they cannot win if they
must argue the merits of their case. However, one of the ways they will try to beat you is on a
technicality. Don't let them beat you because you got the address wrong.
Please visit the below URL’s for more information:
http://www.screw-paypal.com/resources/sm...court.html
PayPal User Agreement Exposed
Finally, the PayPal User Agreement EXPOSED (a.k.a. Terms of Service Agreement)!
From the first sentence to the last, we uncovered all the details for you! Since PayPal became a
major player in the online payments market, PayPal's user agreement has been modified
hundreds of times -- and unless ordered by a court or a regulatory body -- the terms are NEVER
in our favor.
Read the entire PayPal User Agreement along with our line-by-line commentary; you will be
shocked by what PayPal expects you to "agree" to.
Please view this in your web browser by clicking the link below.
http://www.screw-paypal.com/tos_exposed_...lationship
18Protecting Yourself From Buyer Fraud
Use PayPal's Seller Protection Policy to ensure that you don't lose money to fraudulent
payments.
Whether you use PayPal as a buyer or a seller, you need to be on the lookout for fraud. If you
don't take the proper steps to protect yourself, PayPal might need to retract a payment from
your account, even after you've filled the customer's order.
For instance, a credit card holder can dispute any credit card payment, even after you've
received the payment and delivered the goods or service the customer agreed to buy. This is
the customer's right and it can be an effective means of buyer protection, but dishonest buyers
can also abuse this service to intimidate or cheat honest sellers.
Furthermore, a person using a PayPal account to pay you might have hijacked the account from
its rightful owner, or someone might have funded a PayPal payment with a stolen credit card.
Either way, the rightful owner will, understandably, dispute any such charges once she has
discovered them.
PayPal's Seller Protection Policy can mitigate the risk, often to the point of allowing you to keep
disputed funds, but the best way to avoid fraud is to spot it going in. Here are some ways to
minimize your risk as a seller.
Qualifying for Seller Protection
If you are a U.S. or Canadian seller dealing with U.S. buyers or a UK seller transacting with UK or
U.S. buyers, you might qualify for PayPal's Seller Protection Policy, which covers up to $5,000
per year of reversals. To qualify, you must do all of the following:





Ship a tangible product.
Ship only to a confirmed shipping address.
Ship promptly and use some form of package tracking.
Respond quickly to any complaints, either from the customer or from PayPal.
Meet additional requirements discussed at https://www.paypal.com/sellerprotection
and http://www.paypal.com/cgi-bin/webscr?cmd...pp-outside.
If you follow these guidelines diligently, you might be able to avoid losses to buyer fraud
completely.
19Possibly the best indicator of a buyer's reputability is his accounts Status. Holders of verified
accounts have shown PayPal that they are in fact in control of the email addresses on file with
PayPal and have legitimate bank accounts. PayPal trusts these members more than unverified
account holders, so it makes sense for you to trust them as well.
Your prospective buyer's account creation date tells you how long the buyer has been a PayPal
member. Buyers using relatively new PayPal accounts or accounts with low reputation numbers
have a short track record as PayPal members, but this doesn't mean they can't be trusted.
However, you might want to avoid doing business with buyers until they become better
established. A long-standing account is less likely to have been set up with the commission of
fraud in mind. On the other hand, accounts of any age can, and sometimes are, hijacked by
phishers and crackers.
Conducting a Little Reconnaissance
Here are some tips to help you decide whether to do business with any particular person:
If you're at all suspicious, take it one step further and look for any recent purchasing activity
that appears out of the ordinary (such as numerous high-value items). At the eBay site, go to
SearchBy Bidder, type the customer's user ID, indicate that you want to include completed
items, and click Search.
Consider the buyer's reputation. In addition to the user status information provided by PayPal,
do you have other sources you can use to gather information? If you're conducting business via
eBay or another auction site, check your buyer's feedback rating or community reputation.
Also, look for a history of fraud or payment disputes in the recent comments from other sellers.
Contact the buyer. For any item, especially one that is expensive and easily resold, it makes
sense to contact the buyer directly. Email to confirm purchase details or on the premise of
confirming that the product will really suit the buyer's needs. Be particularly wary if the buyer
takes little interest in your questions. Some social engineering and a nose for fraud can save
major headaches.
Use common sense. If you sell only Beanie Babies, ball bearings, and body oil on your
eCommerce web site and a single buyer suddenly orders ten boxes, bushels, and bottles of
each, ask a few questions before shipping.
In the end, you will probably choose to do business with most of the customers you encounter.
But a little common sense and awareness can protect you from most types of fraud.
20Protecting Yourself From Chargebacks
Reduce or eliminate the risk of having disputed payments reversed from your PayPal account.
A chargeback is the result of a credit card charge being rejected by the credit card holder,
typically in cases where the credit card was stolen and used fraudulently. But such charges can
also be disputed by customers who feel that they've been defrauded by sellers.
If you accept credit cards, in person or through PayPal, you might encounter a chargeback from
a buyer, just as a seller accepting personal checks might receive an occasional bad check.
Chargebacks are an unfortunate but realistic cost of doing business, so most sellers factor this
cost into their business plans.
When a customer initiates a chargeback with his or her credit card company, PayPal may
deduct the amount of the transaction from your account if you're not covered under PayPal's
Seller Protection Policy. All sellers who accept credit card payments run this risk and might be
liable for chargebacks.
Even if you have a low-volume online business, you cannot avoid the risk of chargebacks.
According to a study by the Gartner Group, approximately 1.1% of online transactions are
estimated to result in fraudulent buyer chargebacks. That's like paying an extra 1.1% fee for
each and every transaction! Of course, chargeback risk varies a good deal depending on the
type of goods you sell, but nearly everyone who accepts credit card payments faces some
chargeback risk.
Of course, none of this applies to non-credit card transactions, such as payments funded by a
bank account transfer or PayPal balance.
Protecting Yourself
Whereas most merchant account providers and payment companies simply pass all of the
chargeback risks and associated fees and liabilities on to sellers, PayPal is different. As long as
you follow PayPal's guidelines (the Seller Protection Policy outlines these guidelines), PayPal
helps protect you against fraudulent chargebacks.
Be sure to familiarize yourself with this policy; click the User Agreement link on the bottom of
any page on the PayPal web site, and then click Seller Protection Policy. When you follow the
policy's guidelines strictly, PayPal protects you from chargeback liability on all qualified
21transactions. In addition, PayPal takes chargeback claims seriously and, when appropriate,
investigates and vigorously contests chargebacks on your behalf.
PayPal is able to guarantee protection against reversal of funds only if a chargeback occurs for
nonreceipt of the product or in the event of an unauthorized charge (resulting from a stolen
credit card or account takeover). Even then, you're entitled to this protection only if you have
followed the terms of the Seller Protection Policy.
Here are some best practices you should follow to prevent chargebacks from occurring:



Make sure the item you're selling is described (on your site or in your eBay listing) in as
much detail and as accurately as possible. You should not assume that simply providing
a picture in your listing will sufficiently answer any quality questions that your
customers might have. Avoid merely stating that the merchandise is being sold "as-is."
This won't protect you as much as you might expect. A detailed item description will
help your defense in the event that a buyer claims that your item was not as described.
Get to know your customers. Although selling in an online environment doesn't make it
easy to build a face-to-face rapport, it doesn't have to keep you from learning about
your customers. While the volume of your business might prevent you from contacting
all your buyers, you should make every effort to respond to any customer inquiries
regarding the transaction or the purchased items, both before and after the transaction.
Plus, this practice will help get you more repeat customers.
Keep any and all records and correspondence with your customers. This allows you to
provide further evidence that you adequately described the item to the customer or
responded to the customer's inquiries.
22Getting Back On Ebay/PayPal After Being Suspended
First, you must understand that eBay records much of your data for later use. Not only do they record
data you filled out in their seller application form (name, address, phone number, SSN, credit card,
paypal email), they also logged your IP address, computer hardware code (lan card MAC number),
computer name, workgroup name etc. You may not even know about these items yourself, but yes eBay
logs the things you don't know. They have the right to do so because you have agreed it once you
agreed their terms of service as an eBay member.
So to rejoin eBay again, you have to renew all items aforementioned. Here is a simple check list for your
easy reference.
1. Change your LAN card AND hard drive so that both hardware codes will go not the same.
2. Change your login username, either use a common name like "peter" or "mary". Use
"Administrator" is the best because it is default to Windows OS. It is stupid to use your last email
ID registered and shut down on eBay
3. Change your computer name in your OS (typically Windows XP or Vista). Use some generic name
like "my computer" or "pc at home".
4. Change your internet service provider, or request a new fixed IP address. If you are connected
with dynamic IP you can skip this step. Ask your ISP if you don't know if you are connecting with
fixed or dynamic IP. To view your IP address visit http://www.whatismyipaddress.com
5. Call your credit card company and ask for a different card number. It will be even less suspicious
to eBay if you will use a card with different card holder name. (Think about adding a family
member or friend as a user on the bank account. Get them their own check card. Use theirs.)
6. Get a new mailing address. (you can find companies that do this for a small fee, search online)
7. Get a new phone number (cell phone number is acceptable). (check google voice, which is free)
8. Give credit card company your new mailing address for your monthly statement.
9. Re-register on eBay using your real name, the new address and phone number but ALWAYS a
different email address. Do NOT use email from your private domain. Use those free emails
from Google, Yahoo, MSN, or whatever.
10. Open a new Paypal account with new banking account/credit card/email/mailing address
connected.
11. If at all possible, acquiring a new/different computer, which has never had an ebay or paypal
account associated with it, would be a good idea. The key is covering all your tracks. Becoming a
new entity.
12. Consider using a virtual private network or proxy every time you connect to PayPal or eBay.
* If you have any questions about the items listed above, you can look up the information on any
search engine.
23Now when you log in to eBay, their computer sees a different PC, coming from a different service
provider, with a different home address, and a different email address.
Ever wonder if eBay server is that powerful to log so many personal data from your computer
secretly? Do the follow two simple tests in your spare time.
Test 1:
1. Go into DOS mode from your Windows - http://www.computerhope.com/issues/chdos.htm
2. Enter this line to prompt "ftp -A download.speedtest.com.hk". You don't really need to
download anything. That is a public server in Hong Kong for internet connection speed test.
Purpose of this ftp is to show you how that server will log your entry.
3. Once you are connected to the FTP server, you will see this line "Anonymous login succeeded
for [email protected]".
4. You should now understand how your username XXX and computer name YYYcomputer are
logged easily by a server.
Test 2:
1. Visit http://whatismyipaddress.com
2. These are just two simple ways for you to see how your personal data is being recorded by third
parties with relative ease.
At times your local eBay office may call your phone to verify your existence and accessibility. So
your phone number must be real and accessible (Think number forwarding “google voice”).
Remember, eBay is not clairvoyant, just eliminate the traceable factors, and on you go. No
magic solution needed.
24Understanding How eBay and PayPal Detect Your Creation of
Multiple Accounts
eBay is able to link your accounts based on Your IP Address, Web browser as well as Flash
cookies, and Private Account Information. Both EBay and PayPal store temporary Internet files
on your computer every time you login to your account. That is why it is important to clear
your cookies and a temporary Internet file is a must prior to accessing your account.
Additionally, the information that you provide when setting up your eBay or PayPal account
such as personal information, bank account number, phone number, etc., will flag your
account.
Deleting Your Browser and Flash Cookies
We recommend that you delete your browser cookies and flash objects before proceeding from
here. If you’re not sure how to delete your cookies or flash objects, please type “deleting
browser cookies” and “flash-cookies” in any search engine.
What exactly are Flash Cookies? - A data file created by a Web site you visit or a Flash
application you run that is stored in your computer. Officially called a "local shared object"
(LSO), it functions like a regular browser cookie (see cookie) to personalize the user's
experience, except that a Flash cookie can hold up to 100KB instead of 4KB. Clearing cookies in
the Web browser does not clear Flash cookies. Flash cookies are managed and cleared via Flash
Player
Settings
activated
from
the
browser
at
Adobe's
support
site
(http://www.adobe.com/support/flashplayer).
How To Change, Renew, and Release Your IP Addresses
To see your own IP Address, please visit http://www.whatismyipaddress.com
What exactly is an IP Address? (Internet Protocol address) The address of a
device attached to an IP network (TCP/IP network). Every client, server and
network device is assigned an IP address, and every IP packet traversing an IP
network contains a source IP address and a destination IP address.
Remember, EBay always saves your IP address each time you login to your eBay
or PayPal account so make sure you don’t accidentally login with a suspended IP
25address. We recommend contacting your Internet provider to make certain you
own a dynamic IP address or changing your IP address. For those of you that
have a cable modem, and are directly connected without the use of a network or
router you must release your IP address.
Also, keep a log of your IP Address and always verify your IP address at
http://www.whatismyipaddress.com before you sign in to your EBay/PayPal Accounts.
Instructions for changing your IP address please visit
http://whatismyipaddress.com/change-ip).
Instrustions on how to renew and release your IP address please visit
http://www.cs.cmu.edu/~help/networking/IP_renew.html
26PayPal Alternatives
Screw-PayPal.com recommends the following services for use as a PayPal alternative for eBay
use. The list used to review all of these services were taken from eBay's own "Accepted
Payments Policy." Screw-PayPal.com had no choice but to pick from the list that eBay provided.
While there are a lot of great services out there that would fit very well with eBay, eBay bans
those services for your use. Therefore, if you want to use eBay WITHOUT using PayPal, you are
limited in which services you can use to make and receive payments. Again, the following is a
list of services that Screw-PayPal.com recommends for use with eBay:
PayPal Alternatives: For use on eBay
Merchantinc.com -- Recommended for US Sellers Only
Merchantinc.com Provides eBay Compatible credit card processing services for US residents
only. The company has been in business for over 10 years and is a well-known provider of
online payment processing solutions. After researching over 40 U.S. merchant account
providers, we have Merchantinc.com because of their no setup/no cancellation fees approach.
Their monthly fees for website processing, along with eBay processing, is only $7.95, a far
better value than most companies we researched. Additionally, their transaction fees are
LOWER than PayPal. Included with their services is an eBay compatible shopping cart system,
Secure Payment Gateway and Merchant Account. The application process takes about 5
minutes, is completely online, and most people are ready to begin accepting credit cards the
same day. I have stressed before, the benefits of using a traditional merchant account over
PayPal, for many reasons, among them, your funds are deposited directly into your bank
account, NOT a PAYPAL ACCOUNT! This gives you far more control of your money and your
business. Plus, with a merchant account, your funds are protected by federal banking
regulations "Since your merchant account is provided by a real US bank". Unfortunately, PayPal
27is not considered a bank in the United States, and therefore it does not have to adhere to
federal banking guidelines.
PROS: Reliable, Secure Payment processing solution. Accepted on Ebay. No setup fees. No
cancellation fees. Very low rates. Easy to setup. Perfect for use on websites as well.
CONS: Only currently available for U.S. Merchants and Ebay sellers.
OVERALL: Highly recommended as an alternative to PayPal and as an alternative to receiving
online payments. This is one of my personal favorites. Sign up and take it for a test drive -- you
won't be sorry!
http://www.merchantinc.com
Allpay.net -- Recommended for U.K. Only
This payment service is approved for use on all eBay sites around the world including the
United States and Europe. This company is based in the United Kingdom. It has a rock solid
reputation (even collecting payments for various local and state governments) and a customer
service that is fast, efficient and caring. This should be a top PayPal alternative to residents and
citizens of the United Kingdom for use on eBay and for general use as well. While it is approved
for us on eBay, the service is USELESS for residents of the United States and Canada. The service
can be used in western Europe (Example: The Netherlands, Belgium, France, Germany)
THE SERVICE: Allpay.net is an umbrella company providing many e-commerce solutions. Users
must sign up for services INDIVIDUALLY. The services offered include Swipe card payments,
direct debit, internet payments, mobile phone payments, general bill payments and their online
payment service Go&Pay. Go&Pay is what you would sign up for when you want to accept
payments on eBay, make a payment on eBay or a general online payment that is non-eBay
related.
http://www.screw-paypal.com/alternatives...o&pay.html (Screenshot)
PROS: Backed by a respected and well managed company, merchants can accept cash or debit
card payments online, gives merchant's customers more online payment options, works
28seamlessly with other payment options offered by the company, gives consumers the option of
paying for online purchases with cash or debit cards, consumers can make online credit card
payments, buyers and sellers are protected from fraud, and is easy to use. Reasonable fees are
a major plus.
CONS: Trying to figure out HOW to sign up can be confusing -- you really have to search. This
system was not designed for use in major markets like the United States. They do not offer a
FAQ on how to use their service. You have to learn or contact their customer service.
OVERALL: Excellent e-commerce solution for those who want to buy and sell on eBay, make
general online payments and be able to accept online payments for their business -- if you are
resident of the United Kingdom. NOT recommended for users of the United States, Canada,
Australia, etc.
http://www.allpay.net
CertaPay -- Recommended for CANADA Only
This service is approved by eBay -- however, it would seem that only eBay Canada would be the
place where this payment service could be used. All other markets are not available because
this service is only for persons with Canadian bank accounts. This service is used to send money
to an email account using money from your bank account. CertaPay is owned by Acxsys
Corporation. They are a financially solid and reputable company.
http://www.screw-paypal.com/alternatives...tapay.html (Screenshot)
THE SERVICE: A person can send money straight from their bank account to a person with an
email account. To be able to send money, the user must have a Canadian bank account. To be
able to receive money, the user must have an email address AND a Canadian bank account. The
service can used to send money to friends and family, pay fees for services, make internet
auction payments, make online payments to those who accept the service, and so on.
PROS: Can send money person-to-person, accept auction payments, make online purchases
including those at auctions, offer it as a web payment solution for your online business and be
protected by the best seller protection policy I have ever seen: once you get your money, there
is no way for CertaPay to take it back -- the only way to get the money back is for the seller to
give it back. In the demo copy this site was able to use (thanks to corporate relations at
CertaPay), the user interface was easy to use and the whole thing was up and running in 15
minutes. Customer service is friendly and responsive. Finding their telephone number and
29email address for customer support was a breeze. Emails are answered usually within one
business day. Customer friendly user agreement with no frozen or limited account clauses. Plus
it is free to receive money with this service. A business person would not have to worry about
fees eating away at profits.
CONS: This great service is ONLY AVAILABLE in Canada. It is not clear how much it costs to send
money. Each bank that allows account holders to use this service charges different fees -- that is
a con for people wanted to send money. The service does not allow Canadians to send or
receive money to an international audience -- not even Canada's neighbor, the United States.
Buyers who use this service must beware as they will have no protection once they send money
to a seller. Once the money is sent, there is no way to get the money back unless the seller
agrees to a refund.
OVERALL: Recommended for ALL Canadian residents. While this service offers a limited
audience, a seller could make a good living with this or her online business catering only to
other Canadians. A buyer could benefit from this service by using it to pay for auctions and
other online businesses located in Canada. As a bonus, this service can be used to send money
person-to-person. That makes sending money to friends and family really easy. It makes it easy
to send money to anybody the user wants to do business with (again, as long as they have a
Canadian bank account).
http://www.interac.ca
Nochex -- Recommended for U.K. Residents and Certain Others
This is another service offered by a company based in the United Kingdom. This company leans towards
being a merchant account, but also offers personal and seller accounts. Overall, they offer a way to be
able to send payments as well as receive payments.
THE SERVICE: This service offers its customers a merchant account, a sellers account or a
personal account. The merchant account allows sellers to accept payments from the United
Kingdom and around the world (credit cards, debit cards, etc). The sellers account allows you to
receive payments only from within the U.K.. The personal account is for sending and receiving
money between persons (including auction transactions). However, the personal account
comes with certain limits (such as you cannot receive more than 90 British Pounds per day or
send more than 300 British Pounds per day). Residents of the United States, Canada, Australia,
and Western Europe can sign up for the merchant account. You MUST BE a resident of the
30United Kingdom to get the sellers account. The personal account -- to send money to make
purchases -- is available beyond the borders of the United Kingdom.
http://www.screw-paypal.com/alternatives...ochex.html
PROS: Offers different accounts to meet different needs. Merchant and personal accounts are
available to users around the world. Merchant account allows for receiving payments from
around the world. Fees are surprisingly low and very competitive. The user interface needs a
little work, but overall you can find what you are looking for fast. Reports can be generated and
business statistics viewed. Withdrawing your money is easy and hassle free. Easy integration
into your website or eBay auction. A bonus is each merchant account receives an assigned
account manager. You'll speak with the same person every time should you have questions or
concerns about your account. The personal account is also easy to use with no steep learning
curve. Making online payments with the account is fast and trouble free. Funding the account is
also simple. Customer service is easy to find through email, online forums, and over the phone.
The application process is not complicated and you get an answer back within 48 hours.
CONS: Some U.S. and Canadian users might be scared off because this is a British company.
None of the services offers instant sign up -- you must apply for the account you are interested
in. You can either be approved or denied. Not widely used outside of the United Kingdom.
More U.S. and Canadian users would have to sign up for this service to make a dent in eBay.
However, buyers from all over the world will still be able to click your Nochex payment button
and pay you.
OVERALL: If you are approved for the service, it is excellent. Persons from the United Kingdom
should definitely be interested in this. Users from the United States and other countries would
find the merchant account PERFECT for their needs. I like the merchant account I have, and
would recommend it to almost anybody.
http://www.nochex.com
Ozpay.biz -- NOT REVIEWED
While this service is still listed with eBay as an approved service to use on their site, the company closed
in late 2006. The website now is only a site in which you can send in payments for Oz Digital Products
purchased via eBay Australia. NOTE: This company was owned by PayPal -- so if it were still around, we
31would have not recommended it because of that. Why? PayPal problems would have followed you to
Ozpay as well. PayPal makes it very clear in its User Agreement that it shares information with sister
companies on a regular basis.
It would be nice if eBay kept their "Accepted Payments Policy" current.
Paymate -- Recommended for Australia & New Zealand
This service, Paymate, is an Sydney, Australia based company that has websites for both its Australia
users and its New Zealand users. This service is approved by eBay for use on all of its websites. However,
the service is only available to residents of these two countries. This company is fairly solid meeting all
of the local and federal licensing requirements.
THE SERVICE: If you are selling something on eBay, another auction site, have an online
business or website, Australian sellers (and New Zealand) can receive payments from over 37
different countries. Buyers do not have to register in order to send a payment. As long as a
seller is accept


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