Author Topic: Paypal & eBay inner privacy  (Read 860 times)

0 Members and 1 Guest are viewing this topic.

Offline legacy

  • Super Contributor
  • ***
  • !
  • Posts: 4415
  • Country: ch
Paypal & eBay inner privacy
« on: April 12, 2019, 11:13:42 am »
so yesterday my girlfriend purchased a few items on eBay and paid via Paypal. She has a Paypal card, which is a  debit card with a SEPA bank on the background.

Someone inside eBay phoned her asking for the reason why the owner of debit card was different from the name reported in eBay account.

Sort of, you are person X, but you are paying as you were person Y, and since this looks suspicious we have to check that all this story is not a kind of Anti-money laundering evading whatabout.

I was really surprised about this phone call by eBay. So, digging deeper, I found that her Paypal card was subscribed five years ago by her mother when she was underage.

  • eBay account, she is the owner
  • Debit Card, her mother is the owner

The solution is simple: get a new debit card with your name printed everywhere, and update all the fields in the eBay account!

However, question now is: .. from the point of view of eBay, what is the problem? They see a credit/debit card by an alphanumerical sequence with an expiring date, so why and how can they have to access to the owner's personal data?

A pay card should be anonymous, I think :-//
« Last Edit: April 12, 2019, 11:20:47 am by legacy »
 

Offline soldar

  • Super Contributor
  • ***
  • Posts: 2607
  • Country: es
Re: Paypal & eBay inner privacy
« Reply #1 on: April 12, 2019, 11:35:29 am »
Um, no. That's not how it works. A card has a name on it. You really don't know that?
All my posts are made with 100% recycled electrons and bare traces of grey matter.
 

Offline tsman

  • Frequent Contributor
  • **
  • Posts: 599
  • Country: gb
Re: Paypal & eBay inner privacy
« Reply #2 on: April 12, 2019, 11:48:24 am »
Your cards aren't anonymous and this isn't unusual as this is a common anti-fraud measure. The payment processor can ask the bank to verify that supplied details like name and address match up with the card details. The bank doesn't actually say what the account details are though. They will just say yes or no for whether it matches.
 

Offline legacy

  • Super Contributor
  • ***
  • !
  • Posts: 4415
  • Country: ch
Re: Paypal & eBay inner privacy
« Reply #3 on: April 12, 2019, 12:43:54 pm »
Um, no. That's not how it works. A card has a name on it. You really don't know that?

There is no name on her Card, only numbers and letters.
 

Offline legacy

  • Super Contributor
  • ***
  • !
  • Posts: 4415
  • Country: ch
Re: Paypal & eBay inner privacy
« Reply #4 on: April 12, 2019, 01:23:42 pm »
Your cards aren't anonymous and this isn't unusual as this is a common anti-fraud measure. The payment processor can ask the bank to verify that supplied details like name and address match up with the card details.

Understood. What I wonder now is .. has been using eBay, paying with that card for the last 5 years, which means that the last 4 years should have evidenced the problem.

This means there are random tests, made by humans beings. They probably monitor transactions, and one on one thousand, randomly chosen, is then checked.

The bank doesn't actually say what the account details are though. They will just say yes or no for whether it matches.

Thanks, that is exactly what I was wondering.
 

Offline soldar

  • Super Contributor
  • ***
  • Posts: 2607
  • Country: es
Re: Paypal & eBay inner privacy
« Reply #5 on: April 12, 2019, 01:58:07 pm »
There is no name on her Card, only numbers and letters.


I have never seen this. In what country is this? All bank cards I have ever seen, of any kind, always had a name embossed.

I have a credit card with my name that has the same number as my wife's. When I rent a car in my name I need to show my card as the name on the card must match the name on the contract.

It is kind of silly because my wife could use her card and agree to be liable for all charges but for some reason the car rental company wants a card in my name. Again the number on the card is the same number.

Buying over the phone or over the internet a merchant may decide to only ship to the cardholder's address and this is to prevent fraud.

Again, I have never seen a bank card without a name on it. I find it very interesting.
All my posts are made with 100% recycled electrons and bare traces of grey matter.
 

Offline legacy

  • Super Contributor
  • ***
  • !
  • Posts: 4415
  • Country: ch
Re: Paypal & eBay inner privacy
« Reply #6 on: April 12, 2019, 03:04:28 pm »
I have never seen this. In what country is this? All bank cards I have ever seen, of any kind, always had a name embossed.

Debit cards (!= Credit Cards) with no name are called Non-Personalized cards. They are common in Italy. Besides, it's not a card that you usually use in a physical shop, but rather online via Paypal(1). I mean you can pay in a shop, it can work as a common MasterCard, but in this case commissions are more expensive.

(1) by previously converting cash into credits in an authorized Paypal-point (here, betting centers usually offer the service), and this exposes a physical identification of who charges the money, since you need to exhibit a valid tax code card in order to have your money loaded.
 

Offline rdl

  • Super Contributor
  • ***
  • Posts: 2918
  • Country: us
Re: Paypal & eBay inner privacy
« Reply #7 on: April 12, 2019, 03:17:52 pm »
You can buy those reloadable debit cards at lots of places in the US. Any Walmart will be happy to sell you one. You just pick up one off a rack and go to a cashier to load it.
 

Offline soldar

  • Super Contributor
  • ***
  • Posts: 2607
  • Country: es
Re: Paypal & eBay inner privacy
« Reply #8 on: April 12, 2019, 03:28:33 pm »
Debit cards (!= Credit Cards) with no name are called Non-Personalized cards. They are common in Italy. Besides, it's not a card that you usually use in a physical shop, but rather online via Paypal(1). I mean you can pay in a shop, it can work as a common MasterCard, but in this case commissions are more expensive.

(1) by previously converting cash into credits in an authorized Paypal-point (here, betting centers usually offer the service), and this exposes a physical identification of who charges the money, since you need to exhibit a valid tax code card in order to have your money loaded.

I learn new things every day. I have never seen them.

As I said in another thread, the payment systems in Europe are messed up and complicated. They need to be simplified and unified.

In Spain if you walk into a bank and deposit 5 EUR into someone's account you will be required to show ID and they will photocopy it and keep it on file. The bureaucracy and red tape are beyond belief.

I do not know if we have "nameless cards" here. I have never seen them. But if they exist you can bet your backside that they are linked to the buyer's name and they have all sorts of additional and useless information.
All my posts are made with 100% recycled electrons and bare traces of grey matter.
 

Offline jmelson

  • Super Contributor
  • ***
  • Posts: 1444
  • Country: us
Re: Paypal & eBay inner privacy
« Reply #9 on: April 12, 2019, 04:08:11 pm »
so yesterday my girlfriend purchased a few items on eBay and paid via Paypal. She has a Paypal card, which is a  debit card with a SEPA bank on the background.

Someone inside eBay phoned her asking for the reason why the owner of debit card was different from the name reported in eBay account.

Sort of, you are person X, but you are paying as you were person Y, and since this looks suspicious we have to check that all this story is not a kind of Anti-money laundering evading whatabout.

I was really surprised about this phone call by eBay. So, digging deeper, I found that her Paypal card was subscribed five years ago by her mother when she was underage.
I suspect it was not eBay, but the SELLER of the item on eBay.  People who sell stuff online (Card not present) are under a lot of extra restrictions if there is a dispute.  So, you are supposed to check to maek sure the name, address and phone # of the card match the delivery address.  If not, many merchants will refuse the sale to protect themselves from chargebacks.  If you get even a FEW chargebacks, PayPal may terminate your account for LIFE!  And, supposedly, PayPal can be VERY hard to communicate with, and very reluctanct to reinstate your account.

Jon
 

Offline vtwin@cox.net

  • Regular Contributor
  • *
  • Posts: 176
  • Country: us
Re: Paypal & eBay inner privacy
« Reply #10 on: April 14, 2019, 12:21:23 pm »
Your experience is not that uncommon when it comes to the newer anti-fraud measures banks are taking. About a month ago, I ran into a similar issue with my bank, Chase, where I have had a business account for the past 25 years.

I went to purchase a new phone for my wife on "our" verizon wireless account (I say "our" because our phones are on the account of my former brother-in-law, from way-back-when Verizon introduced 'friends and family' back in, oh, circa 1999 or thereabouts). When I went to check out with my Chase Visa, my transaction was declined because Verizon used my former BIL's name/address (which the Verizon account is under) for the "billing" data.

I ended up with my credit card locked. I had to call Chase's fraud department, which is now apparently located in some off-shore call center, because I could barely understand who was on the other end of the line. It was a cluster**** from the beginning, starting with her being unable to send a "verification text" to my cell phone (which I was using to call her, is the phone number registered to my account, and is the only phone I've ever had registered with them, as I've had the same cell phone number since 1997), to her asking me 'verification questions' about car loans I had 25 years ago ("which bank serviced the loan on your 1994 Jaguar XJ6?" -- I haven't had a car loan in over 10 years, and I can't remember the bank for that, let alone one from 1994).

It got even better. She starts asking me the date and amount of the last payment to my Chase card. Earlier that day, I had scheduled an electronic payment with my bank. I probably make one or two electronic payments a week (I charge everything, and I mean everything, on my business credit card, I never carry cash) and as money comes in, money goes out to pay off the card.

Now, figuring she's not referring to the current electronic payment I scheduled that morning, I tell her the amount of the previous payment. She wants to know the date. Do I know the date? Of course not. I know *when* I scheduled it with my local bank, but I have no idea when it was posted to my Chase account.

So as I'm talking to her on the phone, I log in to my chase.com account and pull up my account.

Me: "I have confirmed online my last payment was $2500 and posted on the 26th".
Her: "how do you know this?" 
Me: "I'm looking online at my chase.com account, it says so on my account history"
Her: "Oh, so you are on your chase.com account?"
Me: "Yes".
Her: "Do you use an iPhone to access chase.com?"
Me: "No, I have an android phone. I have an iPad I use to sometimes access chase.com, and I had an iPhone, oh, 3-4 years ago, so I probably accessed chase.com years ago from an iPhone at some point, but I couldn't tell you the last time I did that"
Her: "I cannot verify your identity. Another fraud specialist will be in contact with you.
Me: "I wish to speak to a supervisor"
Her "My supervisor has access to the same information I do. He will not be able to help you either. You have to wait for a call from Chase"

She then proceeded to lock *all* my business credit cards, *AND* my chase.com account.

I had to wait an hour and call back, got another rep who was definitely friendlier, but who was still asking me insane "verification questions".

Her: "When did your employment end with Dick's Sporting Goods?"
Me: "I've never worked at Dicks Sporting Goods"
Her: "When was the last time you lived at 2367 La Juanita Boulevard?"
Me: "I have no idea what you're referring to, I've never lived at such an address"
Her: "Do you have any other credit cards?"
Me: "No, I only use my chase business visa account"
(because my 'brain' is thinking "business credit card", not "personal")
Her: "So you don't have an Amazon credit card?"
Me: "Uh, maybe, from 10 years ago"
Her: "What are the last 4 digits of the account number?"
Me: "hold on a minute, I'll get it for you"
(I then have to dig through my amazon account to find the card's last 4 digits, which expired several years ago)

After I give her the Amazon's last 4 digits, she "verified" my identity, and unlocked my account(s).

All I can say is... thank GOD I wasn't travelling on business, or had an employees travelling on business where they would need access to the chase business credit card I gave them to use for business-related expenses.

As it was, during that hour-long 'break' between calls, I had several purchases I made on amazon earlier that day "bounce" with an invalid credit card number when my account was locked...


I'm still ripshit pissed about it even today.
A hollow voice says 'PLUGH'.
 

Offline legacy

  • Super Contributor
  • ***
  • !
  • Posts: 4415
  • Country: ch
Re: Paypal & eBay inner privacy
« Reply #11 on: April 14, 2019, 03:26:18 pm »


here it is a snapshot of my girlfriend's PayPal card.
 
The following users thanked this post: Electro Detective

Offline legacy

  • Super Contributor
  • ***
  • !
  • Posts: 4415
  • Country: ch
Re: Paypal & eBay inner privacy
« Reply #12 on: April 14, 2019, 03:30:51 pm »
I'm still ripshit pissed about it even today.

I hear you, it's a very terrible unpleasant affair  :palm:
 


Share me

Digg  Facebook  SlashDot  Delicious  Technorati  Twitter  Google  Yahoo
Smf