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If you opened your PayPal account before you were 18, close it

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Re: If you opened your PayPal account before you were 18, close it

#181

Post by VotreReb »

iDemonix wrote: post #41
ben0x539 wrote: post #31

Also this is a great example of having rules that are bullshit enough that you can basically do anything to anyone and technically be perfectly justified according to some agreement, but also enforcing them arbitrarily enough that anyone who complains about the terms of the agreement will be brushed off as paranoid.

Yeah, in my initial outburst of rage to my other half about the situation I just described it as it's like a company turning around and sacking you because you took home an expensive stapler several years ago, it's just a random get out of free card they have stored thanks to their ToS.

No, it would be like you're employer sacking you because you have a criminal record for something serious but you had put 'No criminal record' on your CV/resume when you applied.

Re: If you opened your PayPal account before you were 18, close it

#182

Post by maxander »

VotreReb wrote: post #172
joshuaheard wrote: post #145

I can't think of a legal reason for this policy. Normally, one must be 18 years old to enter into a contract, so the policy of preventing users under 18 from using the service is rational. However, if a user under 18 turns 18 years old during the contract, the contract is "ratified" and becomes valid and enforceable. It's as if they were 18 years old all along. So, there is no legal reason for Paypal to terminate acc…

"I can't think of a legal reason for this policy." Wouldn't it be that you committed financial fraud? Paypal initially allowed you to send/receive payments purely based on the fact that you stated you were an age you were not. The Paypal signup form does not let you signup unless the DOB given, shows you're over the age of 18. This guy lied about his age and then had the audacity to write a blog post about how bad Pa…

I'm not sure you're being serious. Do you carefully read the EULA or TOS of everything you pay for, line by line? Do you consult a lawyer about how to parse the legalese? If not, you've almost certainly also committed fraud of the same degree.

Re: If you opened your PayPal account before you were 18, close it

#183

Post by binarycrusader »

greyfox wrote: post #139
_wmd wrote: post #117

Earlier quoted context omitted.

> something sane like a bank transfer FTFY. Zero fees, zero megacorps taking their cut, zero social graphs in the US growing a few extra tuples

in the US wire transfers cost about $30 per transfer, international cost about $50. If you're transferring to another customer in the same bank then they're free but I've never had that luxury. Were you referring to bank transfers to same bank customers? Because I've never heard of zero fees for bank transfers

Some banks will waive transfer fees based on your account status / type:

https://www.nerdwallet.com/blog/banking/wire-transfers-what-...

Re: If you opened your PayPal account before you were 18, close it

#184

Post by iDemonix »

VotreReb wrote: post #172
joshuaheard wrote: post #145

I can't think of a legal reason for this policy. Normally, one must be 18 years old to enter into a contract, so the policy of preventing users under 18 from using the service is rational. However, if a user under 18 turns 18 years old during the contract, the contract is "ratified" and becomes valid and enforceable. It's as if they were 18 years old all along. So, there is no legal reason for Paypal to terminate acc…

"I can't think of a legal reason for this policy." Wouldn't it be that you committed financial fraud? Paypal initially allowed you to send/receive payments purely based on the fact that you stated you were an age you were not. The Paypal signup form does not let you signup unless the DOB given, shows you're over the age of 18. This guy lied about his age and then had the audacity to write a blog post about how bad Pa…

Everyone is welcome to their own opinion, but I find it odd that you'd be 'very glad' someone like me has been banned from PayPal? As the top comment points out, surely it would have been fine once I turned 18 anyway. To be honest, I can't even remember much about setting the account up, it's changed primary emails 3 times and I actually did think today I'm sure originally it was tied to a family email from our first internet connection, and my parents used it - anyway, it's not the point.

All this aside, I've now sorted my personal accounts, I've had a ton of messages now from people that are closing up theirs for good, or at least restarting their accounts to protect themselves - so I'm glad I've been banned too.

Re: If you opened your PayPal account before you were 18, close it

#185

Post by VotreReb »

maxander wrote: post #182
VotreReb wrote: post #172

Earlier quoted context omitted.

"I can't think of a legal reason for this policy." Wouldn't it be that you committed financial fraud? Paypal initially allowed you to send/receive payments purely based on the fact that you stated you were an age you were not. The Paypal signup form does not let you signup unless the DOB given, shows you're over the age of 18. This guy lied about his age and then had the audacity to write a blog post about how bad Pa…

I'm not sure you're being serious. Do you carefully read the EULA or TOS of everything you pay for, line by line? Do you consult a lawyer about how to parse the legalese? If not, you've almost certainly also committed fraud of the same degree.

There's a difference between reading the EULA/TOS and lying to gain access to something you shouldn't.

If you're knowingly lying to gain access something, you don't need a EULA/TOS to know you shouldn't be doing it.

Re: If you opened your PayPal account before you were 18, close it

#186

Post by napsterbr »

AdamJacobMuller wrote: post #132

> will now just have to move to my credit cards directly One of the reasons I like paypal is that it provides a great amount of control over who I pay and when and how much. I can login and reasonably easy see all of my MRC subscriptions, and cancel them as appropriate. Technically possible with credit cards directly, but not as nice. Best of both worlds right now is privacy.com for me, they generate credit card #s o…

Privacy.com does not load. After a quick search, I think you meant abine.com?

Thanks for sharing, anyway. I'll definitely give a try on their service. Hope it works for non-US cards too, but I find it unlikely. But $3 per month for virtual cards seems too good to be true. I'll take a closer read on the tos once I get to a desktop (unrelated, but am I the only one who can't stand to do a thing on mobile devices?)

Re: If you opened your PayPal account before you were 18, close it

#187

Post by VotreReb »

maxander wrote: post #182
VotreReb wrote: post #172

Earlier quoted context omitted.

"I can't think of a legal reason for this policy." Wouldn't it be that you committed financial fraud? Paypal initially allowed you to send/receive payments purely based on the fact that you stated you were an age you were not. The Paypal signup form does not let you signup unless the DOB given, shows you're over the age of 18. This guy lied about his age and then had the audacity to write a blog post about how bad Pa…

I'm not sure you're being serious. Do you carefully read the EULA or TOS of everything you pay for, line by line? Do you consult a lawyer about how to parse the legalese? If not, you've almost certainly also committed fraud of the same degree.

I think you're getting confused as you don't know about the fact that you can not signup to Paypal under the age of 18, unless you lie about your DOB.

IE; if you're 17 and put your DOB into the Paypal signup process, it literally stops you from signing up.

This person lied to get an account.

Re: If you opened your PayPal account before you were 18, close it

#188

Post by blowski »

VotreReb wrote: post #181
iDemonix wrote: post #41

Earlier quoted context omitted.

Yeah, in my initial outburst of rage to my other half about the situation I just described it as it's like a company turning around and sacking you because you took home an expensive stapler several years ago, it's just a random get out of free card they have stored thanks to their ToS.

No, it would be like you're employer sacking you because you have a criminal record for something serious but you had put 'No criminal record' on your CV/resume when you applied.

PayPal had known for a decade that he signed up before he was 18 years old, but did nothing about it. At the time they closed his account, he was well over 18 years old so why would it matter?

Besides 'a criminal record' and 'signed up for a service a bit before you were eligible' are hardly comparable.

Re: If you opened your PayPal account before you were 18, close it

#189

Post by MBlume »

VotreReb wrote: post #172
joshuaheard wrote: post #145

I can't think of a legal reason for this policy. Normally, one must be 18 years old to enter into a contract, so the policy of preventing users under 18 from using the service is rational. However, if a user under 18 turns 18 years old during the contract, the contract is "ratified" and becomes valid and enforceable. It's as if they were 18 years old all along. So, there is no legal reason for Paypal to terminate acc…

"I can't think of a legal reason for this policy." Wouldn't it be that you committed financial fraud? Paypal initially allowed you to send/receive payments purely based on the fact that you stated you were an age you were not. The Paypal signup form does not let you signup unless the DOB given, shows you're over the age of 18. This guy lied about his age and then had the audacity to write a blog post about how bad Pa…

Given the disenfranchisement young people experience in our society I fully support their lying about their age at every opportunity.

Re: If you opened your PayPal account before you were 18, close it

#190

Post by blowski »

VotreReb wrote: post #185
maxander wrote: post #182

Earlier quoted context omitted.

I'm not sure you're being serious. Do you carefully read the EULA or TOS of everything you pay for, line by line? Do you consult a lawyer about how to parse the legalese? If not, you've almost certainly also committed fraud of the same degree.

There's a difference between reading the EULA/TOS and lying to gain access to something you shouldn't. If you're knowingly lying to gain access something, you don't need a EULA/TOS to know you shouldn't be doing it.

You are very defensive of PayPal in this thread. Do you have a connection with them in any way?
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