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Paypal Deals Blow To Freenet

hankaholic writes "I was checking into the latest progress of the Freenet project when I noticed a disturbing note on their homepage: 'Paypal has frozen the account we use to accept donations over the web, they refuse to give any reason other than "use of an anonymous proxy" [...] all of the projects subscriptions have been canceled which is a significant setback. Other means of accepting donations, including E-Gold, are still active.' Paypal is sending them a check for their remaining balance. The news update on the Freenet homepage also includes contact information for some people at Paypal."

66 of 595 comments (clear)

  1. PayPal problems by Lordofohio · · Score: 5, Informative

    Paypal is certainly a shady company. To find out why, go to www.paypalsucks.org

    1. Re:PayPal problems by Jeff+DeMaagd · · Score: 4, Informative

      I think credit card issuers are worse. If you think Paypal is bad, DON'T start a business and accept credit cards from Visa / Mastercard either.

      In one case, the card issuer had authorized a $1200 transaction, then the next day they put it on hold. The package had already shipped. The customer probably could have claimed that it was unauthorized use and kept the package, but thankfully the customer was an honest person.

      I know one guy in which his business was bilked out of about $20,000. He simply had the misfortune of dealing with a person that used a stolen credit card number. When the fraud was exposed, the card issuer sued him to recover the money. I haven't talked to him lately, last I heard he said that he'd probably have to file for bankrupcy and lose his business.

      Card issuers really don't take much risk in terms of fraudulent card use, often they automatically do charge-backs when a transaction is contested, even if the business took every required means of verifying the card.

    2. Re:PayPal problems by GooberToo · · Score: 4, Informative

      First, let me say that I've worked in the CC industry for years. I have good friends that work for some of the largest ISOs in the country. Generally speaking, what you're stating doesn't smell right.

      If they authorized it, they are contractually bound to pay it unless there is a charge back. Charge backs are resolved through their own process and should not directly effect the bank's promise to pay. In the case above, it sounds like the merchant failed to follow the guidelines which are clearly layed out and now he's paying the piper. Different banks have slightly different guidelines, as set by their risk departments. If that store did not check ID and signature or did not swipe a card as as required to ge their discount rate, then they should expect to get it in the tail pipe. It's simply not acceptable for mechants to shink away from their contractual obligations and expect the issuing banks and/or visa/mc to absorb the merchant's mistakes. I can assure you that merchants tend to go out of their way to fail to follow simply contractual obligations and then want to blame someone else. I can't say for sure this is what happened to your friend, but I can say, the odds are greatly in my favor for being correct.

      Charge backs, on the other hand, do tend to be in the card holder's favor. Just the same, most banks have groups which watch for fraud from cardholders, as it relates to chargebacks. Additionally, while the odds do tend to be slanted toward the cardholder, as long as the merchant has properly upheld their end, a chargeback can be denied, so long as the merchant made reasonable efforts to address the dispute. Especially if the goods were not returned by the cardholder.

  2. Paypal has had a long history... by NightWulf · · Score: 4, Informative

    of screwing over companies. Personally I don't trust the company at all. http://consumeraffairs.com/online/paypal_02.html is the consumer reports complaints page on the many problems paypal has given "customers". Caveat Paypal!

  3. Re:Must have been considered a liability by Anonymous Coward · · Score: 1, Informative

    It's not just Freenet, methinks. Paypal has long been the subjects of complaints because it is trigger happy with freezing accounts -- they tend to freeze accounts at the first complaint from any buyer, even if the complaint is totally unjustified.

  4. Contact Paypal by Lehk228 · · Score: 5, Informative

    From the Freenet page

    If you are concerned about whether your account might be at risk due to your political opinions you may wish to speak to their PR contact Hani Durzy at (408) 376 7458. If you are an investor and you would like to see what other political opinions Paypal doesn't like, you may want to speak to their Investor contact Tracey Ford at (408) 376 7205.

    --
    Snowden and Manning are heroes.
  5. Sad, but unsurprising.... by King_TJ · · Score: 5, Informative

    PayPal has grown increasingly hostile towards anyone accepting payments via their service if they do anything "out of the ordinary". Not long ago, I heard about a woman complaining because her PayPal account was suspended after she accepted donations to help keep her "size acceptance" web site going. (PayPal seemed to be afraid it was pornography-related in some way, since you had a female collecting money from her personal web site.) In reality, she was trying to boost the self-esteem of overweight women and let them know about events where they could meet guys interested in larger women.

    They're also scared of anyone or any business that doesn't provide full disclosure of their whereabouts (complete address, phone/contact numbers, and so on). To put it in perspective though, don't forget they're just one of the arms of eBay nowdays - so their primary interest is simply being a facilitator for their own auction buyers and sellers to complete transactions. If you even so much as look vaguely like you do things in a similar way to eBay auction scammers, you'll get cut off in an instant.

    1. Re:Sad, but unsurprising.... by LostCluster · · Score: 4, Informative

      PayPal is no longer the best vendor to use if your transactions are not happening on eBay...

      - If you're taking donations on the web, Amazon.com has a much friendlier service going.

      - If you're running a porn site, there's subscription billing companies designed especially for you out there.

      - If you're running a low-volume e-store that's not using eBay, you're best positioning yourself on Yahoo Shopping or a simlar storefront-providing network.

      - Large volume stores should be handling their own credit card transactions. Contact your favorite bank.

    2. Re:Sad, but unsurprising.... by Anonymous Coward · · Score: 1, Informative

      > If you're taking donations on the web, Amazon.com has a much friendlier service going

      Not at all. It takes about 10 times more in commission than does PayPal. For a smaller operation, PayPal is much more reasonable in its fee structure.

    3. Re:Sad, but unsurprising.... by Anonymous Coward · · Score: 1, Informative

      Actually, amazon takes a pretty big chunk of your domations. Plus, more people have paypal accounts than have amazon accounts.

  6. Solution by Anonymous Coward · · Score: 1, Informative

    http://s1.amazon.com/exec/varzea/subst/fx/home.htm l/103-2120026-1757409

    ok thx bye!

  7. This isn't paypals first by Anonymous Coward · · Score: 1, Informative

    Paypal has been known to do stupid stuff like this in the past. Sites like http://www.paypalsucks.com and http://www.trashcity.org/ARTICLES/PAYPAL.HTM tell horror stories of accounts being frozen for unknown reasons leaving hundreds and thousands of dollars locked out. They have also been known to give the runaround to people trying to get their money back.

  8. Paypal Warning by eraser.cpp · · Score: 4, Informative

    This website was established because of paypal doing this kind of crap.

  9. previous story by Coneasfast · · Score: 3, Informative

    here is a previous story on paypal NY lawsuit

    --
    Marge, get me your address book, 4 beers, and my conversation hat.
  10. Re:bashing paypal by radicalskeptic · · Score: 4, Informative

    I've never dealt with Paypal, but some of the stories over at PaypalWarning.com are pretty scary. Apparently Paypal has a habit of freezing accounts with almost no reason given, then sitting on the accounts which have hundreds of dollars tied up in them. Some of the stories also explain that it is nearly impossible to clear up the problem promptly, and that the best way to get your account unfrozen is to say you're going to complain to the Better Business Bureau or your local district attorney. Of course most of the stories I read were from two or three years ago. Maybe they've changed.

    --
    WARNING: If accidentally read, induce vomiting.
  11. PP was fined $10 million for violating PatriotAct by loggia · · Score: 4, Informative

    PayPal was recently fined $10 MILLION for violating the US Patriot Act.

    It's not a company I do business with.

  12. Re:Must have been considered a liability by chronus22 · · Score: 5, Informative

    Paypal does have a habit of scamming its customers. Attrition.org has a good article about one person's experience here.

  13. Re:Must have been considered a liability by DAldredge · · Score: 2, Informative

    You run that same risk if you take credit cards thru a merchant account.

  14. Re:bashing paypal by Anonymous Coward · · Score: 1, Informative

    Hacked?! Oh, please. You're one of an innumerable number of fools who responded to a "please verify your account" email or a "security update" email that asked you to enter your eBay or PayPal userid and password.

    If you'd have a brain to begin with, none of this would have happened to you.

  15. another case of ebay's selective enforcement by j0nb0y · · Score: 2, Informative

    You can find tons of pirate anime on ebay and half.com. They refuse to crack down on it. But the MPAA and the RIAA want ebay to crack down on something that isn't even illegal, and *BAM*, freenet's account get shuts down. The whole situation is really quite ridiculous. As a consumer, I don't want to buy pirate stuff, so I'm basically forced to avoid the online used market because 98% of it is pirate. There's now way to tell when you buy something whether it will be pirate or not. And if it turns out to be pirate, ebay won't crack down on the seller, and won't refund the buyer's money. This happened to a friend of mine. He bought some anime VCDs on ebay. They turned out to just be CDRs (which are specifically banned in ebay's terms of service). Ebay refused to do anything about it.

    --
    If you had super powers, would you use them for good, or for awesome?
  16. No problems in the last year by LPrime · · Score: 5, Informative

    I run a mid-sized jewelry shop on the web and have been using paypal for over a year. I actualy switched from using MerchantServices because of the constant headache with fraud and chargebacks. As much as people hate to hear it, PayPal is on the side of the merchant not the customer and in 9 cases out of 10 (at least for me) the customer is the one trying to screw me over. Before I get flamed, I would like to say that I am in no way trying to deffend their actions in this case, however I have learned that their verification techniques are always based on some specific activity.

  17. Re:PP was fined $10 million for violating PatriotA by taped2thedesk · · Score: 4, Informative
    Interesting... story about it here

    Maybe they're being assholes because they think freenet might land them another "patriot" act violation? Don't see how it would, but the whole 'anonymous' thing might be catching their eye...

    Whatever they are thinking, I'm probably going to be closing my PP account out soon...

  18. Re:this is GOOD news. by ShaunC · · Score: 4, Informative
    Under his influence, Freenet took the path of the closed source projects - pump out new features, do not debug existing ones, do not provide support, all for the single goal of profit.
    You clearly haven't been following Freenet latley. Debugging old problems is _all_ that's been going on for the last month. Two major insertion bugs were recently fixed, one that's apparently been around for years. Bugs in the next-gen routing system are being fixed almost daily. Releases are being pumped out like they're going out of style.

    And profit? Are you out of your fucking mind? Toad makes the equivalent of US$1500/month. He could earn more working at McDonald's. Twice within the last six months, the project has had to send out pleas for donations just to afford to pay him that much... And now PayPal, in its infinite wisdom, has gone and screwed the project out of - at the very least - the time it's going to take to find a new method of accepting donations.
    --
    Thanks to the War on Drugs, it's easier to buy meth than it is to buy cold medicine!
  19. Re:bashing paypal by AKAImBatman · · Score: 4, Informative

    Hacked?! Oh, please. You're one of an innumerable number of fools who responded to a "please verify your account" email or a "security update" email that asked you to enter your eBay or PayPal userid and password.

    Arguably, scammers are getting very clever at their email attacks. They'll send you an email with a link like this: http://www.ebay.com/cgi-bin/verify.dll?Acct=1234

    At first glance, it LOOKS legit. And when you click on the link, it takes you to a page that LOOKS like the real thing. Many even have links to the real site. The only way to know that it's fake is to look in the URL bar, and keep your head straight about them asking for passwords and credit cards.

    The sad part is that companies seems to be doing very little to prosecute these scammers. I've received emails for both eBay and Citibank. Both times I've gotten no response on my fraud report.

  20. Re:Patriot Act? by sangreal66 · · Score: 3, Informative

    http://yro.slashdot.org/yro/03/03/31/1610218.shtml ?tid=98

  21. Re:Slashdot Uses PayPal by next1 · · Score: 4, Informative

    what about simply getting a merchant account?

    surely it would be worth it with a 50,000 member site, even if the individual sales were only relatively small amounts.

    i used to accept credit cards inhouse for a subscription type online business and at the time i introduced that i only had about 25 customers.

    after the initial setup costs (which were reasonable anyway), a merchant account offered a far better deal than that offered by people like paypal and this way you are in control.

    and re; passwords etc; the point is you process inhouse, so all they are entering is their credit card details. there are no new passwords etc to remember. personally, i prefer that method of online sale any day to something like paypal.

    i would talk to your bank, it may not be as expensive as you think.

  22. Fraud prevention - anonymous proxies disallowed by eltoyoboyo · · Score: 4, Informative

    Freenet is going to get their $550 and can no longer use Paypal.

    Anything beyond that is "Paypal said/Freenet said"

    We may not understand exactly what happened. The nature of the closing leads me to speculate that someone was trying to access the freenet Paypal account repeatedly by browsing through an anonymizing proxy server. See Anonymity and Paypal (and other online businesses) from the Anonymity 4 Proxy Support Pages to get an idea what might happen when you try to access paypal from an anonymous proxy. I'll quote: "So if paypal finds out that you are using a proxy to fool their logon system into allowing you in, you are quite likely to find your paypal account closed. If I'm not mistaken, they clearly state in the user agreement that you can't connect from an anonymous proxy."

    The Anonymity 4 support tech is correct. On paypal.com in the User agreement, Under "Closing Accounts and Limiting Account Access" paragraph 2 - "Any of the following events may lead to your account being limited: " "item xvii (Use of an anonymizing proxy;)"

    This is not censorship news, it appears more like carelessness on the part of someone at Freenet.

    --
    Have you Meta Moderated t
    1. Re:Fraud prevention - anonymous proxies disallowed by Anonymous Coward · · Score: 1, Informative
      Well, they deny this :

      Paypal has frozen the account we use to accept donations over the web, they refuse to give any reason other than "use of an anonymous proxy", which suggests that someone at Paypal took a dislike to the goals of our project, since I have never used an anonymous proxy to access Paypal (this being the activity I assume they sought to prevent)
  23. But they freeze your BANK account! by billybob · · Score: 1, Informative

    When they say the account is frozen, they are talking about your bank account (as well as your paypal account). Search the internet for paypal horror stories or pay a visit to paypalsucks.org. If they freeze your account, and it's your only bank account, guess what? You are absolutely fucked! There is no way for you to get money out of your bank account until paypal unfreezes it. Got rent? Mortgage? Car payment? Too bad. Looks like you're going to be late on those.

    Now anyone who's smart, doesn't keep all their money in one account. I have 95% of my money is a savings account, which no one can touch except for me, at the bank window itself. Anyone who's really smart and uses paypal often enough, would open a seperate account specifically for paypal. Now they would have to do what you mention, withdraw everytime you get money in it. So you transfer from paypal to your paypal bank account, then do an online bank transfer from that account to either your "real" account or your savings account. If they freeze your bank account specifically opened for paypal, oh well, no biggie. Fuck 'em and start using a new service :)

    --
    Joseph?
    1. Re:But they freeze your BANK account! by shaitand · · Score: 4, Informative

      Somewhat offtopic, but while your bank will not freeze your account at the request of a random third party.

      Something fairly nasty that they will do, is automatically debit your account and pay any company who runs through a check-by-phone type transfer. All that is needed is the information on the bottom of your check and no authorization whatsoever. It's happened to me 3 times now, each time for somewhere between $250-$500.

      This is 100% automated. The first time I did a check by phone to pay my monthly providian bill, not only did they charge that, they also charged me for the full $500 balance of my mother-in-law's bill (she lived with me and I guess they figured I'd surely want to pay the credit card bills of everyone!).

      Sure enough, the charge came through automatically, no review, not even so much as a check to verify that the name it was put through under was on the account!

      I've switched banks twice since and had check by phone frauds nail me at each bank (and yes, the providian thing was the first and only time I actually used a check by phone legitimately) because they ALL process them automatically with NO review and no authorization. Anybody you write a check can charge your account without signiture for up to your full account balance plus whatever the bank will cover for you.

      I thought the primary purpose of a bank was to lock my money up and insure in every possible manner that your money can only be removed with your authorization?

      I never write checks anymore, I'm afraid to.

  24. Re:Must have been considered a liability by dasmegabyte · · Score: 4, Informative

    "One person's experience" does not constitute a habit. I have used Paypal for years -- since its inception -- transferred tens of thousands of dollars with it and never had a serious problem, and only a handful of minor ones (most during the first couple years). Talk about YMMV. It all comes down to how much you trust Paypal...my money's never there for more than a week. Nor should it be...they make no claim to be a bank, so why use them as one?

    It's more likely that they shut down freenet because they were using an anonymous email address. I'm sure you can see where an anonymous email address could be a bad thing for a company that wants to make its money transfers secure and trackable. Paypal recently placed a hold on my account for my use of fake DNS information on my domain unlogged.org (the whole idea of which was to create a form of private computing by not logging anything). I removed the account, verified my other email addresses, and everything was flowing again within the week.

    --
    Hey freaks: now you're ju
  25. Re:bashing paypal by Anonymous Coward · · Score: 2, Informative

    I worked for one of these companies, in the department that dealt with these issues. Here's the problem:

    1. Customer gets scammed by such a link.
    2. We fix it (or do our best), then tell customer: we will NEVER send you an email containing links back to our site. We will certainly NEVER send an email soliciting your username and password, or providing a link that solicits your username and password.
    3. Customer contacts us again, a week later... scammed by the same link.
    4. "But I swear it was legit! It had your logo on it!" says customer.
    5. Wash, rinse, repeat.

    The same customers getting "hacked" over and over and over and over and over again because no matter how many times you explained to them that we would NEVER send out any emails containing a link, they would click the damn link anyway.

  26. Re:this is GOOD news. by Anonymous Coward · · Score: 1, Informative

    Obvious flamebait, but I suggest people read the mailing list archives (e.g. http://news.gmane.org/gmane.network.freenet.devel) and decide for themselves. Toad is *not* egotistical, works well with other volunteer coders, and has achieved a lot of good work relative to the pittance he's paid.

  27. Simple - Use NetworkForGood.org by Anonymous Coward · · Score: 5, Informative

    Paypal does suck sometimes, and they do have many examples of using dubious business practices. So what? Big deal. I don't think they lost any money, did they? Why doesn't Freenet just publicize that they can accept money through NetworkForGood.org? From their website:

    Network for Good is the Internet's leading charitable resource -- an e-philanthropy site where individuals can donate, volunteer and get involved with the issues they care about. The organization's goal is to connect people to charities via the Internet -- using the virtual world to deliver real resources to nonprofits and communities.

    Founded in 2001 by the Time Warner Foundation and AOL, Inc.; the Cisco Foundation and Cisco Systems, Inc.; and Yahoo! Inc., Network for Good is an independent, 501(c)(3) nonprofit organization headquartered in Vienna, VA.

    In addition to connecting the public with opportunities to give, Network for Good works to advance nonprofit adoption of the Internet as a tool for fundraising, volunteer recruitment and community engagement. It represents a groundbreaking partnership with leading technology and media companies and more than 20 nonprofit foundations and associations who share the desire to foster the informed use of the Internet for civic participation and philanthropy.

    You can donate to their 501c3 organization here, I believe.

  28. Re:PayPal Terminated our Business Account too... by Ron+Bennett · · Score: 3, Informative

    I posted the above...I had cookies blocked so Slashdot dropped my login info when I posted.

    While on this topic...

    Three good alternatives are:

    e-gold
    http://www.e-gold.com/

    merchant account
    http://www.authorize.net/
    (url above is a gateway service - works with many banks; has a listing)

    Western Union
    http://www.westernunion.com/

    Ron Bennett

  29. Re:Slashdot Uses PayPal by zenyu · · Score: 5, Informative

    PayPal, you are free to consider me a "lost customer" at this point. I will take my business elsewhere.

    Easier said than done, they like to consider you a customer for life. I loged on once and found that they wanted me to agree to a new user agreement which I found objectionable. Well when you call them up they transfer you to different agents who all say they can't close your account unless you accept the agreement. Very Kafkaesque, consider yourself lucky and wise if you never accepted the $10 sign-up bonus. Now I have to change my regular bank so that they don't have any current information and another security breach there can't haunt me.

  30. Credit Cards by stimpleton · · Score: 4, Informative

    Since I am a non-US merchant, my PayPal account is verified via credit card. Welp, 2 months ago I got an email about "unusual account detail access", and the account was on hold, by PayPal admin.

    Here's the kicker: I asked that the acocunt be shut and all account details deleted. They could not do that and needed to investigate.

    Since that time, many transaction appeared on my car for Online Casinos etc Presumabely by the person that hacked the PayPal account..

    It ended with cancelling my card with my bank and claiming back all the transactions I hadnt made.

    Lesson: Unlike many online merchants that (supposedly) delete your CC details after each transaction, PayPal dont, and have your number and details.

    --

    In post Patriot Act America, the library books scan you.
  31. Re:Must have been considered a liability by kVanQue · · Score: 3, Informative

    Paypal does have a habit of scamming its customers

    WRONG, the freenet site say that paypal promised them to send a check - however, if you read those stories about paypal scamming you will say that paypal has a nice record of unkept promises.

  32. Re:Must have been considered a liability by CoolGopher · · Score: 4, Informative
    "One person's experience" does not constitute a habit.

    Then maybe I should chip in with my experience too? I had my account disabled after I'd requested to have my name on file changed (as I legally had my name changed, and wanted my PayPal account to reflect that fact). They refused to change the name, even after I'd provided the various forms of documentation. Then once I told them to just forget I even asked (I was getting fed up with them - I have better things to do with my time, thank you very much), they disabled the account.

    After quite some time of getting no response, I finally got told that to reactivate it, I needed to send in various documentation. Again. Same deal. Same stuff that I'd already faxed them a couple of weeks earlier (and I don't like faxing internationally). Alright, so I play along, give them their stupid papers. After another substantial wait, I get told they refuse to reactivate my account due to the fact that I have multiple accounts and that's against their policy, and that I'll need to close all of them except one. WTF? At this point I was getting seriously pissed off. Needless to say, I don't have multiple accounts. If I did I wouldn't be concerned about this particular one. And how in the blue f*ck am I supposed to close an account when I can't even log onto it?!

    After another round of seriously narky emails, they reactivated it, but I've never used it since. I keep it for emergency use only, but as long as I have a choice, they're not getting my business any more.

  33. Re:Must have been considered a liability by LostCluster · · Score: 4, Informative

    Western Union's service has always made itself above board and auditable. They'll collect personal info when the government demands it, or when the money-sender feels like demanding it so that the receiver has to verify that they are the person the money is intended for.

    They've got no way to revoke the transaction if it's fraudlent. That's your problem to figure out... they're just about getting the money from point A to point B.

    That I think is PayPal's biggest problem... they're oriented to the buyer's advantage at the expense of the seller. However, that sender-side revocation capability esentially requires a credit check to even be possible, which means demanding the social security number upfront from everybody in a way Western Union never has to.

    Western Union never cares how good you are at future payments of debt... they've got the cash in hand before they'll do their thing.

  34. Not if you use a service like MBNA's "ShopSafe" by RKBA · · Score: 5, Informative

    Not if you use MBNA'a "ShopSafe" credit card service. Please note that I have no vested interest in MBNA whatsoever, except as a happy customer. If you have a regular MBNA credit card, what MBNA does is provide software you can install on your computer that automatically connects up to their credit card "NetAccess" service (you have to log in with name and password each time) and lets you generate "disposable" credit card numbers as needed (much like Spamex.com does with their disposable email address service that I also use :-).

    I generate a new credit card number for each and every Internet transaction, and the MBNA ShopSafe software lets me set the maximum amount that can be debited to each disposable credit card number as well as the expiration date (up to one year in the future). The way I handle PayPal is to generate a disposable credit card number with an expiration date of one year and a reasonable credit limit (say $500 for example, or whatever you want). If I were to ever want to rescind my credit card information from PayPal, I do not even have to contact PayPal at all - I just start up the ShopSafe software and tell it to delete the particular disposable credit card number that I provided to PayPal so that no further charges can be charged to that account number. I'm very surprised that as far as I know, MBNA is the only one who provides this type of service, so they have no competition in this area.

    1. Re:Not if you use a service like MBNA's "ShopSafe" by MikeDX · · Score: 2, Informative

      Cahoot Online bank also provide a similar service, in this case they call it the webcard. You can generate a credit card with a restricted credit limit, which is then valid for up to 2 months. I use this for each online transaction and have started doing it for telephone transactions too.

      I had thought up until now that Cahoot was alone in this field, but it looks like other banks may well be catching onto the idea that their customers do not actually want to be scammed by companies abusing their CC information.

      Cahoot accounts might only be available to UK residents but i'm not 100% sure.

    2. Re:Not if you use a service like MBNA's "ShopSafe" by eimhin · · Score: 2, Informative

      Allied Irish Bank have offered the same service for a few years now.

    3. Re:Not if you use a service like MBNA's "ShopSafe" by anaradad · · Score: 3, Informative

      Citi also provides disposable credit card numbers, as does American Express.

  35. Re:*ALL* banks suck. by EvilStein · · Score: 2, Informative

    US Bank not only didn't notify me, but they refused to give me an exact payoff amount. I have the copies & receipts for 4 certified letters still at home. I even talked to a manager that said even if I did pay off the money that was allegedly owed, they would NOT remove me from ChexSystems. It was their policy. Ugh.

    I threatened them with legal action and 4 months before the 5yrs was up, I was mysteriously removed from ChexSystems. It royally sucked.. the whole ordeal.

  36. Re:tounge piercings, race, gender, religion... rea by cduffy · · Score: 2, Informative

    Well, legally, folks with piercings aren't a protected class. Minorities and members of religious groups are.

    Don't ask me why, that's how the law works.

  37. Re:tounge piercings, race... [improved] by cduffy · · Score: 2, Informative

    Well, legally, folks with piercings aren't a protected class. Off the top of my head (and it's been a while), race, ethnicity, gender, religion, maybe country of origin, and a few more are, but that's about it. Folks can discriminate against you all they want, as long as they aren't doing so because you're in a protected class.

    Don't ask me why, that's how the law works.

  38. Re:bashing paypal by Beryllium+Sphere(tm) · · Score: 2, Informative
    The only way to know that it's fake is to look in the URL bar

    Even that's not enough against some possible threats and against some that are already in the wild.

    Several browser vulnerabilities make URL spoofing devastating. You can put the wrong address in the address bar of most IE versions by combining a user@malicioushost format with an embedded %01%00 in the URL. You can theoretically write scripts for other browsers that cover the URL bar with an arbitrary graphic.

    Let me plug a couple of sites. Antiphishing.org has hot news and tips about these scams. My own security advice for Aunt Tillie blog suggests treating email like a phone call. Don't give out your password/credit card number/launch codes unless you're the one who placed the call/started the transaction. Just the standard consumer advice about phone scams, in other words. Slashdotters, of course, should read the HTML source to find out how the latest technical tricks work :-)

  39. Re:Must have been considered a liability by dasmegabyte · · Score: 3, Informative

    Neither is Western Union. The difference is, if Western Union has your money for three weeks, you don't get any of their interest on it. It's not like PayPal doesn't have a big warning that says "Your money is not insured. If you keep it in here, there's a chance we might lose it." It does have such a warning...or did, when I signed up for the money market. I can't imagine it went away!

    --
    Hey freaks: now you're ju
  40. Get a real merchant account by Animats · · Score: 3, Informative

    If you want to accept credit card payments, get a real merchant account. It's not hard. Or sign up with a donation processing service, like Click and Pledge.

  41. Re:Must have been considered a liability by dcam · · Score: 3, Informative

    Banks are regulated. Paypal isn't.

    --
    meh
  42. Warning by Doc+Ruby · · Score: 3, Informative

    Warning: PayPal, the unregulated global banking monopoly, will steal your money whenever it deems opportune, and keep it as long as it deems appropriate to its purposes, perhaps forever. It will not be accountable for the theft. It happened to me, and I'm still not sure why I got my money back, suddenly and without warning, more than a year after the 6 months its spokesdroid emailed me that it would. They are the enemy, and they must be destroyed.

    --

    --
    make install -not war

  43. Re:Governments Fault by evanbd · · Score: 3, Informative

    Did you read anything about what happened? The Freenet project did not use an anonymizing proxy to access Paypal, ever. It appears that Paypal decided that since Freenet itself is something vaguely related to an anonymizing proxy, that they wouldn't let the project have an account. This has nothing to do with how the Freenet project used Paypal, and everything to do with the politics of what Freenet is.

  44. Re:Must have been considered a liability by Anonymous Coward · · Score: 1, Informative

    I once was going to donate a small sum to a favorite project. I went through all the registration process, giving credit card information and all, only to find that I was an European and they didn't trust those with the service. But they kept my unusable account and still spams me with "information" sometimes.

  45. Re:Must have been considered a liability by BarryNorton · · Score: 2, Informative

    Number one distinction between PayPal and a bank - there's no independent regulator to whom I can (could) go when PayPal starts demanding that I give up my own privacy in order to get access to my money!

  46. Re:Have you ever been on Freenet? by cruachan · · Score: 2, Informative

    I too did exactly that. While in theory I support their attempts to provide a completely uncencored service, in practice any political etc. content is swamped to the point of non-existance by the paedophiles.

    It seems to me it doesn't have to be that way. The blurb for freenet goes on and on about it being complete freedom of information or nothing. That's rubbish, it'd be hard true, but if filters to prevent paedophile images etc were built into the system at core then it would gain a lot more acceptance than it has. At the present it's too easy for freenet to be painted as purely as a distribution network for kiddie pr0n - which is unfortunatly true - and the uncencored political benefits are lost as collateral damage.

  47. bullshit by N3wsByt3 · · Score: 2, Informative

    To see CP on Freenet, you still have to search for it actively (of course, if one clicks on 'pedo&hitler', one might assume what the content is going to be).

    And that you can't decide what is in your store or not is paramount to the anonymising purpose of Freenet.

    And if you "didn't find anything else" I'm left wondering where you looked. I've found a lot of stuff that wasn't CP, in fact, the vast majority isn't, contrary to what FUD-people claim. Granted, I'm on the unstable build, but as far as I have noticed, the stable build does not differ much.

    --
    --- "To pee or not to pee, that is the question." ---
  48. Re:Slashdot Uses PayPal by Anonymous Coward · · Score: 2, Informative

    Now, having said that, I'd like to hear Pay Pal's side of the story first...

    Yeah, and I'd like to know how you're going to get it out of them.

    PayPal's side of the story is basically that they reserve the right to do whatever the fuck they like, and their decisions are final, cannot be appealed, and will never be explained, or even necessarily revealed.

  49. FreenetFUD by N3wsByt3 · · Score: 2, Informative

    Indeed, and the word of importance is 'supporting'. No one on Freenet is supporting it.

    Certainly, things like digital photography, email, encryption, proxies, yes, the internet itself makes it more easy for pedo's to make or distribute CP.

    One would be hardpressed to say they 'support' it in the strict sense, however, and when using the broad sense, it would basically mean (when following the same reasoning) that you should abolish all of the above technologies.

    And now for the actual content/FUD: when you start the node, you get the Fproxy page. There, you have 5 activelinks, which exist of indexsites. Indexsites represent the total amount of what can be found on the network, much as google/yahoo/altavista with the www (though they use also a searchengine, which isn't possible on Freenet yet).

    Those indexsites give a big list of all links, which, I repeat, is in a vast majority NOT about CP. Furthermore, they are shown in a random fashion (depending on the section) between all the other links. Therefor, it can not be called 'prominently displayed'.

    Furthermore, there already has been done some research of the content of Freenet by external parties, and they came to the conclusion that CP made out 4% of the total amount of content. Hardly a 'major use', thus, even by a far stretch.

    This is what I mean with the typical FUD. Yes, CP can be found on Freenet. It probably can be found on the regular net too. And yes, it can be seen as a drawback, as I have said myself on my Flog. But I dislike the disproportionate reaction of some hysterical 'save the children' people. Fact is, the percentage of CP is minute, and the more people would insert other content in it, the lesser that percentage would become in comparison.

    --
    --- "To pee or not to pee, that is the question." ---
  50. Re:Paypal are an Electronic Money Institution by SillyNickName4me · · Score: 3, Informative

    I'm Dutch, not Brittish, but seeing how you are talking about EU rules that should make little difference.

    Your average creditcard company is an Electronic Money Institute, but difinitely isn't a bank, and you can only get a card from them when you link it to an account on a 'real' bank.

    Neither will this make Paypal a bank, it will amke them more comparable to a card company with regards to their liabilities and such.

    And yes, they are trying to be like a bank, however, without officially becomming a bank (so far) and really, much of what they have been doing would not be possible when registering as a bank.
    (for example, they would simply not be allowed to charge different fees for non domestic transfers according to EU rules, somethign that makes that I can transfer money free of any fees to any place within the EU nowadays when using my bank for example)

    For that matter, try getting an accoutn with Paypal without having a bank account at a regular bank.

  51. MBNA, Citi, AIB - all use Orbiscom by blorg · · Score: 3, Informative

    Orbiscom are an Irish company that have pioneered single use credit card numbers, and provide the technology to MBNA and Citi among others. As another poster mentioned, AIB has been providing this service for a number of years now and it's invaluable (although I don't see them promoting it much any more). It works through an application that sits in your tray; you just call it up when you want to pay, enter your username/password, set a limit, and it gives you your single use number. I think they were one of the first banks to provide it; the application is called an 'O-Card' and is as much Orbiscom branded as AIB.

    Apparently AMex has stopped offering the service; this article also points out the problem of using such a number to purchase travel if the original credit card is needed to pick up the tickets.

  52. Cahoot and Discover too by blorg · · Score: 4, Informative

    Sorry to reply to my own post, but the other two providers posters have mentioned, Cahoot and Discover, also use Orbiscom, along with (to quote from their website) "Discover, MBNA, Citibank, ABN-AMRO, Abbey National, Credit Lyonnais, Swedbank, Citi EU and Nippon Shinpan".

    Here's a list of their clients for anyone who is interested.

  53. Re:Must have been considered a liability by Crayon+Kid · · Score: 2, Informative

    I'd recommend a 5xx error instead. 4xx suggests that the visitor has done something bad, which isn't the case. "503 Service Unavailable" may do the trick.

    --
    i ate crayons when i was a kid and now i have two braincells and the blue ones taste nicer
  54. Re:Must have been considered a liability by Anonymous Coward · · Score: 1, Informative

    I'm sorry.. no

    your bank cannot just freeze your accounts and leave it up to an arbitrary internal process to un-freeze it, giving no particular reason for the frozen account. Paypal does this.

    Banks are forced by LAW to implement strict anti-money-laundering policies.. banks are held criminally liable for accepting money if they don't know the origin. Bank TELLERS are held liable if they don't report suspicious activity.

    The thing is, if your bank freezes your account, there are clear avenues of resolution. They can't just sit on it and not give you your money, citing weird rule after weird rule.

  55. Re:Must have been considered a liability by CoolGopher · · Score: 2, Informative

    I haven't had any problems changing anything that I could myself via their web interface. However, the one time when I needed a human being to assist me, I was sorely let down.

    If I was to hazard a guess, it might be related to the fact that I'm not a US resident. You didn't mention if you were?

    As for emails being taken in the wrong tone; well, the first few were as polite as the next persons. Towards the end I'll happily admit I wasn't being particularly generous with the benefit of the doubt. My point however, is that it should never have gotten to that point. Whoever they've got answering emails obviously has no customer service training what so ever (at least not any of the ones I dealt with during that incident). For starters, half the time they didn't _listen_ to what I was saying, and were sending back canned responses completely inappropriate to the question asked. The other half of the time they appeared to be simply incompetent.

  56. Re:Governments Fault by e-gold · · Score: 2, Informative

    e-gold would NOT be useful to Osama (they take orders from courts, unlike actual gold bars/coins) and I doubt Osama's word anyway. It IS interesting that he refers to gold as a currency (it is) denominated by weight, but that doesn't mean he's willing to use a traceable book-entry system to contract for murder.

    Freenet doesn't do murder -- they do free speech, and I've given them e-gold myself. Sorry I'm so late to the discussion, but if anyone wants to try e-gold just contact me with an account number and I'll click you some, which you can then -- if you like -- click to the Freenet project. You're correct that this was all political, but I think it's safe to say that e-gold isn't nearly as political as eBay/PayPal seem to be. Thanks.
    JMR

    --
    Try e-gold - (contact me). I'm NOT e-