So there is a new scam going on with the e-Pay sights. I was recenlty hit with a $200 loss from paypal as a seller due to their TOS on a non-gun related item.
Goes like this.
Buyer uses e-Pay sight linked to credit card.
Seller gets funds and immediately ships due to ebay, paypal, and other sights dinging you with negative feedback if you do not immediately ship. I have received negative feedback because I shipped at 48 hours due to having a job and not being a Johnny on the spot shipping-listing said I think said 3 or 4 days maximum-what is allowed at ebay.
Buyer receives the item at his registered e-pay address.
Some time passes. It was 2 weeks for me when Paypal notifies me that the credit card used was stolen and they are freezing my account for any withdrawals, but I could accept payments and offer refunds.
I dispute this as I sent the item to the registered paypal address and did not violate any terms.
Several weeks later paypal took the ~$200 back saying they found in favor of the person whose credit card was stolen (probably had to refund) and Paypal was not going to eat the cost so it was going to be me-the cost of doing business they say. I am not a business but an occasions seller 6-12 times a year everywhere..
I was furious but with e-pay sights for buyers you are stuck with their TOS where the rich man never loses money so if a credit card dispute is made Paypal has to refund the credit card so they stick it to the seller.
In my contact with paypal they said that there has been allot of this going on in recent years.
The only way I could think of to make this scan work is to burn yourself-buy allot of stuff-then report your card stolen since merchandise went to the Paypal listed address-I did verify this later that I did not send to the Ebay address-they both matched..
The paypal agent stated they could not comment on specific details on how this scam works but did say if it happened again to report it to paypal and to withhold shipping the item until it was clear it was not fraud-WTF kind of answer is that?
I also learned that I am bound to their own internal arbitration by TOS.
This does not happen with a USPS M/O
I am also notified by my e-pay sights, banks, credit card companies, and so on at least once every six months that they have been hacked and that I must change my login info, get a new credit card number ,etc....... though I worn you that banks do not change your account number like a credit card company dose and a story from a friends experience if you ever receive this from your bank immediately close your account or risk having your money taken and not returned for 3+ months after painful and costy filing of police reports that they do not wish to do and many many meetings, phone calls, emails, etc. A bank will not even consider this until the police report is filed. My township now charges for police reports if not done from a incident or urgent call-though they do have a minor charge of $15 for a copy.
The USPS by using M/O does not repeatedly keep loosing my personal information and money to hackers and thieves.
Several years back I ended sending personal checks. This was when paypal went all gun nazi on 2A members (yet discrimination on the two digit amendment protected classes is considered racism-sexism-agism-and all kinds of other ism;s) so I paid by personal check with no thought. Within 4 days of mailing my bank account was drained. Was this a coincidence? Maybe so. Luckily it was my back up bank account I use for checks and bank transfers so it was not loaded. Took nearly two months to be made whole with lots of requirements like filing a police report.
The USPS by using M/O does not have my bank account all over it.
Another scam is websites where Mods/owners/administrators have access to email addresses and passwords. Seems that some folks use only a few passwords. The thief takes the email address used at the website and the password at the website and gives it a go at paypal to take over the account and do thieving. The older folks who can not remember 101 different passwords are most vulnerable, Yes, common sense these days is to not do this .........but in the cyber world nothing ever goes away and this data can be had- and there are folks in Nigeria that work full time at nothing more than testing out this accumulated data. Moral of the story-changer your password-do not recycle a password. The more internet purchasing and larger internet presence you have then the more often you should change your password. This is a snowballing effect because you have to now remember all these passwords else get locked out from using your money!.
The USPS by using M/O does not save emails/accounts/passwords.
I suspect most members here are of the 40+ or older age group, from a time when simple was better. I hear all the millennials and later here, who are most likely from single child families and have what the Chinese call the Prince & Princess Syndrome, that grew up in an world centered around them and protected from anything negative and branded with the need for instant gratification ........ crying out that few minute visit to their bank or post office is like so much effort and drains them of all their energy, so difficult because there is no instant button to push, ........walking up hill both ways in snow 40 degrees below zero story-for crying out loud-toughen up and show some balls and stop your whining about a form of payment that older people prefer when dealing with those they have not established a trusting relationship with. Same goes for the six weeks it takes to get your money back if the M/O is lost or stolen......big deal......in the end they are 100% reliable unlike the epay sights...... and have way less paperwork and time investment needed to get your money back-just a simple claim form with your sworn statement and your M/O stub-.......boo hoo, so hard to do. As this Covid thing continues to wreck our economy and we enter a great depression larger than the last one that resulted in a great war over the land and resources.............well....you all are going to have to do allot more waiting and allot more walking so get use to it. Actually way easier than e-Pay to file against a thief, plus M/O requires a physical presence that offers opportunity to catch a thief. Several years back after my paypal then my personal check fiasco so was using a MO, ,,,,,,,,seller swore up and down that he did not receive the money order. The Post Office does offer the opportunity to include further documentation and I included emails where he said he did not receive it and where we mutually agreed to cancel. The stupid idiot then went on to cash it at a bank or something (if at USPS they would have immediately denied it) and got the money. The USPS Inspector Generals office or something like contacted me and stated that the M/O was cashed by the seller way after my refund and asked me to fill out a sworn statement at the post office that I did not receive the items later and itt was countersigned by them like a notary. I left having had the strong impression that the post office was going to get their money back-but they would not comment other than confirming the MO was cashed some two months after I received a refund. That was one stupid fellow for sure..
If my money was stolen electronically there is a very high probability of the the thief getting away with it. I think the lowest probability of success is with a USPS M/O and it has the harshest penalty. Here is California if your profession is thieving all you need to do is keep it under grand theft and all you get is a ticket-no going to jail-no drug or alcohol withdrawals, even if you do not pay your ticket you do not get arrested but instead get a bigger ticket......has to do with something about only certain types of people going to jail so its unfair and nothing to do with the crime being the reason-they just recently tried to pass a no bail system where bigger thieves would be released on a promise to return so they could go out and do more thieving till trial-a man has to eat-ya know!.........now these little tickets are just part of the cost of doing business. I won't comment on how crazy this system is with bold daylight breakins of cars and houses amok everywhere and homeless folks camping anywhere they please so long as it snot inf front of Pelosi's, Harris's, or Newsoms houses and businesses..... I do know of an instance where a friend was successful at getting the USPS to go after a thief for a few hundred dollars. They were successful at getting the money back in exchange for not prosecuting. e-Pay sights will just say SOL-read our TOS. With the Feds there are no tickets for thieving-you get to work out at Club Fed to work out your withdrawal symptoms.
Moral of the story is picking on folks wanting to use USPS M/O is age discrimination as we are a two digit amendment protected class and this can get you a class action lawsuit ,........... all because the young adults are just to darn lazy these days........and yes I can say that because young people are not a two digit amendment protected class of people.
OMG
WTF R U talking about?
