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We got banned from PayPal after 12 years of business

blog.niteo.co

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Re: We got banned from PayPal after 12 years of business

#221

Post by astura »

linuxftw wrote: post #137
raverbashing wrote: post #63

Earlier quoted context omitted.

> Uber charged $1500 to my debut card a few months ago. There's literally nobody you can call about it. Your bank. You call your bank.

Yeah, you don't call Uber in this case. You immediately call the card issuer and report fraud. In the case of debit charges, reacting quickly is absolutely key. Always pay with a credit card, it's much easier to reverse this kind of stuff versus a debit card. There is literally no good reason to ever use a debit card.

>There is literally no good reason to ever use a debit card.

A good reason would be if you don't have credit cards because you have serious problems controlling your spending and you're at a place where you can't pay with cash, such as an unmanned gas station, payment terminal, on a plane, a cash-less business, etc.

I agree with the overall point, either use cash or use credit. Debit only if cash and credit aren't available.

Re: We got banned from PayPal after 12 years of business

#222

Post by TeMPOraL »

gumby wrote: post #158
vntok wrote: post #134

Earlier quoted context omitted.

Frozen, as long as they don't take the money either.

So if a crook steals your money and buries it in the back yard instead of spending it it's not theft?

It was a bad analogy. A better one would be, you send a friend to pick up some money for you, and when the friend returns, they suddenly refuse to give you the money.

Re: We got banned from PayPal after 12 years of business

#223

Post by Wowfunhappy »

linuxftw wrote: post #137
raverbashing wrote: post #63

Earlier quoted context omitted.

> Uber charged $1500 to my debut card a few months ago. There's literally nobody you can call about it. Your bank. You call your bank.

Yeah, you don't call Uber in this case. You immediately call the card issuer and report fraud. In the case of debit charges, reacting quickly is absolutely key. Always pay with a credit card, it's much easier to reverse this kind of stuff versus a debit card. There is literally no good reason to ever use a debit card.

I use a debit card because it makes it much easier to manage my finances. As soon as I pay for something, it's immediately deducted from my bank balance, so I can always see exactly how much money I have. If I screw up and try to spend above my balance, the transaction gets blocked, because I have overdraft protection turned off.

(And, I have money in other accounts for emergencies.)

Re: We got banned from PayPal after 12 years of business

#224

Post by rat87 »

brakmic wrote: post #10

This and similar behavior is what ultimately drives people toward decentralized solutions, like Bitcoin for example.

I'm not saying paypal is blameless (especially since their customer service is broken and proving yourself innocent is difficult) but their behavior is driven by government regulation against fraud and shady businesses.

It's easy to say use decentralized solutions, like Bitcoin but then customers are more susceptible to fraud(no chargebacks for example)

Re: We got banned from PayPal after 12 years of business

#225

Post by dalore »

aerovistae wrote: post #203
HenryBemis wrote: post #117

Literally NO ONE wrote the below: Every Friday go online and withdraw all-but-the-necessary £€$$ to your bank account (transfer wire or via card number). I do get some revenue via PayPal, and the very same day (or the next) I 'download' comes it to my bank account (connected to PayPal via card) and IMMEDIATELY is shipped to another account that has all the controls to make money (relatively) unmovable. I perceive Pay…

I find this comment’s format profoundly confusing and have no idea what the intended meaning is. The first sentence is throwing me off so much.

Don't keep your money in paypal, withdraw it to your bank account as soon as you can.

Re: We got banned from PayPal after 12 years of business

#226

Post by TheRealDunkirk »

gotland_ wrote: post #71

Don't know if it is the reason for the ban, but Niteos main product seems to be a service for creating spam networks. https://www.easyblognetworks.com , https://niteo.co/projects

Yikes. And proof, once again, that there's ALWAYS another side to these stories.

Re: We got banned from PayPal after 12 years of business

#227

Post by modzu »

i've always assumed paypal was software and hence why they were so profitable -- those decisions, appeal processes, everything is all automated. you're sending emails complaining to... the email server.

actually thats a growing business (bots to handle your customer service) which simply programmatically enforce a contract. it's terrifying.

Re: We got banned from PayPal after 12 years of business

#228

Post by bob_theslob646 »

exabrial wrote: post #32

The lack of customer service in the Silicon Valley is a pervasive problem. * Cody Don on YouTube teaches the masses about science and regularly gets banned. His videos are rated G to PG. Despite millions of viewers and dollars of Revenue, there is nobody he can call. * Uber charged $1500 to my debut card a few months ago. There's literally nobody you can call about it. * Lose your Instagram/Twitter/Gmail? Too bad, be…

> The lack of customer service in the Silicon Valley is a pervasive problem.

The reason their is very little customer service in SV is due to fact that it is extremely expensive to provide customer service...

Re: We got banned from PayPal after 12 years of business

#229

Post by astura »

gotland_ wrote: post #71

Don't know if it is the reason for the ban, but Niteos main product seems to be a service for creating spam networks. https://www.easyblognetworks.com , https://niteo.co/projects

Thank you! After reading the story I headed to the comments to look for this exact comment! This story was super, super sketchy! The tell was it didn't at all mention the products or services they sell. Since any normal person would mention the products/services they sell front-and-center as key information to the story, I went ahead and assumed the problem was the products or services they offer were illegal/sketchy/questionable/against TOS.

So I came here to see if anyone looked up what sort of products and services they offer.

Re: We got banned from PayPal after 12 years of business

#230

Post by hunter2_ »

ipython wrote: post #188
LurkersWillLurk wrote: post #51

Earlier quoted context omitted.

The problem is that most terms of service include forced arbitration clauses. Even if they don't, you generally have to sue in the jurisdiction where the company is incorporated, which for the vast majority of people, is very far away.

That's not true, you can sue a company that does business in your state, in your local small claims court. I am not a lawyer, but I have sued out-of-state companies in my home jurisdiction.

Is Uber doing business in a state just by virtue of having customers and contractors in that state? It has offices in various places, but I assume not all states.
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