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Skype Billing Gone Haywire For Some Users
Cousin Scuzzy writes "This morning I awoke to 26 e-mail messages from Skype and PayPal notifying me of multiple payments for my Skype account that had been charged to my credit card and subsequently refunded. At first I suspected that this was a new wave of spam that had slipped through my defenses, but it quickly became apparent that they were legitimate messages. I then began to worry that my Skype account had been compromised. The first message from Skype thanked me for setting up their "Auto-Recharge" service which automatically purchases Skype credit when the balance falls below a certain amount. This was very suspicious, as I had never requested this service. Based on posts to Skype's forum, it now appears that there have been serious billing problems at Skype relating to Auto-Recharge for over a month. Although I believe that all unauthorized charges to my credit card have been refunded, it is worrisome that Skype, or anyone, would charge my account erroneously. Skype, for their part, has not yet e-mailed me an explanation or posted one online. This problem reinforces my aversion to automatic bill payment services that give companies the authority to draw money from my bank account at their discretion." For all the Skype users out there, have you experienced this? For what it's worth, the company's own response on the linked forum thread says that the problem is now solved.
FTFS
Id think the point would be moot, since once they have your card number, they can charge you any time they want anyways. Either way, whether you set up such a payment system or not, once they have your credit card, they can start charging, and I dont think legally theres any difference between taking money illigitimately WITH a payment system or without one.
This happened to a friend of mine about a month ago. He got logged out of skype and couldn't get back in. Then he starts getting emails from Paypal about charges from his skype account for phone calls to somewhere in eastern Europe.
He got his account and money back but his contacts had all been wiped.
There is either a hole in skype or a piece of malware out there harvesting skype credentials. Google "lost skype account" or something like that.
Same thing happened to me; I had the automatically recharge unchecked, but the payment confirmation indicated thank you for using automatic recharge. Didn't worry too much about it, but Skype is definitely having some issues in the billing department...
.. In my opinion skype is being hacked enormously. If you have a skype client open it is also a gateway to your computer. I had never put my credit card # in skype's billing database, but I DID have it on my computer in a text file, my best guess is that Skype is being massively hacked and be weary of using the skype client on your computer if you value your security.
I am with Skype/Paypal Customer Service Biling. Please submit your account and credit card info hear and well ensure all refunds will be examined. Thank you
This is what happens when transactions are done based on results of database queries and/or spreadsheet analysis. One error is made, someone attempts to reverse the batch of transactions to correct the error, and makes another error. Then someone else steps in, and compounds the problem. In the end, the only way to get it back to some semblance of the correct state is to go back and run the transactions in opposite amounts from the top of the stack (LIFO).
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This is what happens when you have technical people (especially not-so-competent technical people) handling financial transactions.
Workflow for payments and other financial transactions should come from your source document (it doesn't have to be a literal document, it can be an authorization entry, etc). The accuracy of the data capture at this point is essential. If you use a key value to grab most of the data needed, validation needs to be very strong.
Source --> Data Capture --> Validation --> Set-up of transactions --> Validation --> Execution --> Data capture of results --> Validation --> Update file --> Validation
I personally have seen many failures because of errors in validation, and the ensuing mess as well-meaning people try to correct the error. Nothing like 36 db entries and half a wasted day just to correct a single error that a user offshore made overnight, then compounded with the "helpful" input of his team members... and then the ensuing clusterfuck of explaining to the client what had happened, what we'd done to ensure it wouldn't happen again, and many, many apologies.
"Trolls they were, but filled with the evil will of their master: a fell race..." -- J.R.R. Tolkien on Olog-hai
The absolutely hilarious thing about paypal is that one of its co-founders fancies himself a libertarian who says of paypal: "The basic thought was if you could lessen the control of government over money and somehow shift the ability of people to control the money that was in their wallets, this would be a truly revolutionary shift." despite the fact that paypal is basically just an (expensive) escrow service with a frankly nasty reputation for incompetence, asshattery, and penny-ante fraud(Sorry, your account is locked, hope you didn't have any money in there).
That's one thing I find somewhat hypocritical of many libertarian thinkers. Its not okay when the government infringes on your privacy, but its perfectly okay when some corporation does so.
We all know what to do, but we don't know how to get re-elected once we have done it
And this is why you NEVER, NEVER give your bank account information to anyone, let alone PayPal (PayPal motto: screwing buyers AND sellers since 2002)
If you must use PayPal--and I concede that it's barely imaginable that there's something you just have to buy that you can only get online and that is only sold by a site that only takes PayPal--you link your account to a credit card. Then if PayPal screws you, you contest the charge and they can take it up with American Express or whoever.
Under no circumstances does any online business get my checking/savings account info. If they don't take credit cards, I'll find somewhere else to shop. The inability to block charges from creating an overdraft and the lack of consumer protection that banks give account holders make this something that no one should ever do. Combine those faults with the dangers inherent in a recurring charge system and it's a no-brainer: don't give PayPal (or anyone else, especially anyone with as bad a customer service reputation as they have) your bank account info.
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If they take money from your credit card without you authorizing it, you can contact your credit card company and request a charge back. If you already have a payment plan, however, you have essentially pre-authorized payments, which makes getting the money back much more difficult.
We all know what to do, but we don't know how to get re-elected once we have done it
It's okay. It's for profit.
Give ANYONE direct witdrawing access to any of your bank accounts, or they will one day use it as their personal piggy bank.
Even if you only deposit what you owe them in the accound, you will face overdraft fees.
Anyway, that is an ugly hack in the age of internet bill paying. All my bills are paid (a) on a credit card if it cannot be avoided OR (b) registered in my bank portal so I can send a payment at my leisure. The two options give me full control of who gets how much, and when.
And in the event of a dispute about the amount owed, I can still pay the rent because I only have one call to make to initiate a chargeback. I know people who got their main account emptied by Bell after an "error". If Bell cannot be trusted, who can?
You're not old until regret takes the place of your dreams.
The power rests in the ability of the individual to rectify this. He can stop using the corporation's services, remove personal information, etc.. You have no such ability in regards to the government.
so is it paypals fault you didn't turn off the auto renew? You need to make sure that you turn off auto renew or keep enough cash in your account to cover afew extra hundred bucks.
This was a long time ago when I was unemployed and living in my parents basement digging through the couch for change to pay for gas money to go to job interviews. I never said it was paypals fault, as well.
Also, fuck you.
Posts not to be taken literally. Almost everything is sarcasm.
What does the pope's can have to do with this?
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The power rests in the ability of the individual to rectify this. He can stop using the corporation's services, remove personal information, etc.. You have no such ability in regards to the government.
That's the theory. In practice, lots of these companies act as complex monopoly-type webs and you are forced to deal with some of them no matter how much they suck (e.g. ISPs in some places). Just like dealing with the goverment, except that there's no way to get rid of them at all.
Virtually every company has some sort of unacceptable T's & C's - like including the clause that they can change the T's & C's at any time without notice. And they've already grabbed public goods (like easments) many years ago so you can't even set up in competition to them if you have the money.
Paypal doesn't quite fall into this category, although I have been completely unable to buy certain goods because I refuse to have an account.
A little over a year ago I moved from FL to MD and I had DirecTv. I moved for a job with short notice so my fiancee and I had to move in with her mother for a month until we found a place. The DirecTv followed us to MD for free, but when we moved to our condo there was a problem.
DirecTV doesn't state it online but when you move using their "Movers Connection" you've agreed to extend your service by 6 months, and you've agreed not to move again for those same 6 months. If you do move or cancel within those 6 months they charge you the full cost of your original move plus fees...and they charge your card automatically!
Like I said there was no notice online of such a stipulation, nor did the agent who set up my original move inform me of that criteria. My card was charged $600 4 days before my wedding putting me overdrawn and causing my rent to bounce...putting me down an additional $1500...and I had to pay for some things for the wedding. When I questioned DirecTV about the agreement they said there is no place to view it online, they dont have a document to send, but they assured me that I did, in fact, agree to some silly agreement by moving in the first place.
This story is relevant to the posting because of the automatic withdraw. If they billed me that is one thing, I could call them and work it out, but instead they automatically took money off of my default method of payment simply because it was there. How is this OK with people?! Eventually I got all of my money refunded and a full apology from DirecTV for the hassle...needless to say Im with Verizon FiOS now.
This whole thing burns me up. I think Penny Arcade summed up our collective frustration nicely here. I have been working on creating a wiki to translate user agreements to plain English so we can all get an easier glimpse at the crap we're agreeing to, and the "rights" we forfeit to our utilities etc. Furthermore the site will branch off into areas where those who are commonly disadvantaged can come together to take legal action against companies who blatantly violate their privacy (like Skype did in the post) or their right to know what they agreed to (like my DirecTV situation). Government is supposed to enforce what we the people deem morally just, yet it seems that whatever the government deems legal we all assume is moral...that doesn't make sense to me. Its about time we started revisiting how we're conducting ourselves in my opinion.
I had a major issue with Skype when I signed up with them in January. For $2.95 (in America) you can get their Unlimited, key fucking word here, Unlimited calling plan. $2.95 a month. I figure ok that's a great deal, low cost VoIP bandwidth maybe, so I signed up for that. Transaction went through just fine, within minutes I was calling family and friends across the country with ease from my PC.
Then my account shut down. I was talking to a relative and the call dropped. I attempted to call back, Skype came up with an error message saying I needed to purchase "Skype Credits". Which from reading the plan, I knew I didn't need. I thought maybe it was a bug or lag, so I relogged Skype, dialed again, same problem. I get more curious and hit the Skype support forum.
A few searches showed people with a similar error. Except it's not an error, it's Skype bending customers over a barrel. Apparently, there is a hidden clause, and I do mean hidden cause it is NO WHERE in their Terms of Service or any policies they have online, that states any account signed up with the "Unlimited" calling plan has a limit of 6 hours of talk time a day. Now you're thinking "ok that sucks but it's still good for $2.95 a month, free long distance, just call back the next day." WRONG. If you exceed your 6 hour limit, which YOU have to monitor yourself, your account becomes null and void. You can't use it anymore. When the next month comes around, the next billing period if you are using more than per-month payment, they will reset all accounts and you can then again use your account.. So I spent $2.95, talked 6 hours, then my account was just void for 31 days. This was not stipulated anywhere on their website and even their forum moderators who help people with technical support stated "Skype is currently working on revising our ToS to include this 6 hour limitation.".
Now again I know what you're thinking, if they didn't tell you about a policy for a service they offer, how can they hold it against you? They do. They will NOT issue you a refund, they will NOT make any exception about the matter, hell they act like the user is supposed to be psychic and know this. Granted, they may have updated their information since January of this year but at the time there were hundreds of threads on their forums about this, dozens of people out money. I had to resort to buying two more additional accounts since my first one got closed, just to make sure I had enough talk time per day. Every 24 hours the "limit" is reset so if you talked for 5 hours 58 minutes on Monday, Tuesday at 5pm EST it is reset so you can use it another 6 hours.. So my two accounts gave me 12 hours just ya know, to get around their HOUDINI-like ToS..
Last I saw several people were considering a class action lawsuit about it on their forums. If that ever happens who knows, I mean yea I know someone will mod this down and be like "QQ more it's only $2.95". Sure, that's a small fee for free long distance in North America but when you buy something labeled as UNLIMITED ya know, ya don't expect a 6 hour LIMIT.
Aw Frell this