Why is my gf's account terminated or banned? I don't get it...

[Rhonda Huntress]

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Snowyhair wrote:

 

okay so here's what happened. Last night, she bought a pre-paid visa NetSpend card, which she used to buy a considerable amount of linden.

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Prepaid cards cannot be used to buy from linden exchange.

Linden exchange is the only legitimate source to but L$

It sounds like she tried to use a 3rd party and got caught breaking one of the few TOS points that LL cares about: the money trail.

[Rhonda Huntress]

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Snowyhair wrote:

 

okay so here's what happened. Last night, she bought a pre-paid visa NetSpend card, which she used to buy a considerable amount of linden.

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Prepaid cards cannot be used to buy from linden exchange.

Linden exchange is the only legitimate source to but L$

It sounds like she tried to use a 3rd party and got caught breaking one of the few TOS points that LL cares about: the money trail.

[alexistexas112]

Hello there sorry to hear what happen. Speaking from actually being apart of Linden Labs and also from past experiences.

There are numbers of possibities for why she got banned:

1) Because she has a unconfirmed card  transactions- I know it may seem outrageous   and quite rude but this have happened alot in the past, where the holder and the person making the transactions are two different people. The issue which happens when a list of transaction pop up or when items are paid with the card from a location out of the area where the card is issued e.g. card issued in Bank of America, New York but transactions found in Germany. The card company therefore freezes the card until the cardholder claims the transactions. the bank or card autorities contact linden labs for two reasons 1) being  that they were unable to reach the cardholder and 2) being that they contacted the cardholder but they are unaware of the transactions

2) Because someone hacked her: this would be that either her account or credit info was accessed, although the bank was suppose to call her.

3) Exchange of Linden Dollars out of LindeX Exchange- According to the Terms of Service 4.7, "- Any purchase of Linden Dollars from anywhere other than the LindeX is not permitted and is considered a violation of these Terms of Service which may result in suspension or termination of your Account.

 

sorry is this sounds rude but Linden Labs does not terminate an account without a good reason, she has therefore breached her contract somewhere or has been suspected of fraud or illict conduct.

COPYING PIECE OF THE TERMS FOR YOU:

Except as expressly permitted by this Agreement or otherwise expressly permitted by Linden Lab, the Linden Dollar License may not be sublicensed, encumbered, conveyed or made subject to any right of survivorship or other disposition by operation of law or otherwise, and you agree that any attempted disposition in violation of these Terms of Service is null and void. Linden Lab may revoke the Linden Dollar License at any time without notice, refund or compensation in the event that: (i) the Linden Dollar program is suspended or discontinued; (ii) Linden Lab determines that fraud or other illegal conduct is associated with the holder's Account; (iii) Linden Lab imposes an expiration date on usage of Linden Dollars in compliance with applicable laws and regulations; (iv) the holder's Account is terminated for violation of these Terms of Service; or (v) the holder becomes delinquent on any of that user's Account payment requirements, ceases to maintain an active Account or terminates this Agreement.

 

Think that would help, Have an awesome day :matte-motes-bashful-cute-2:

 

[Alwin Alcott]

assuming your gf is the one in your profile?...

She has no payment info ..so she can't have bought the L$ on the lindex.

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Snowyhair wrote:

It's because the account was deleted, so no web information will show up at all... shame too cause she had loads of sentimental images

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the account is visible by clicking your profile, it is not completely deleted. Details keep visible as it was while it got deactivated, as far i know you can delete all payment info from the profile page, but it stays on the profile. something/somewhere not all info is given to you or us.

[Lindal Kidd]

Your girlfriend may not have meant any harm, but that transaction has all the red flags of "money laundering."  I am not at all surprised that she got banned.

Here's how that looked from LL's point of view.

1.  User with no payment method on file uses unauthorized payment type to buy $L.  This may have been a card issued to someone else, in which case it would be viewed as a stolen credit card.

2.  Since the card was not on file with LL, the $L were purchased from some other source.  Since last year, there are NO allowed third party $L exchanges, so the $L themselves were illegal.

3.  The account was accessed from overseas and/or from a location where your girlfriend does not normally log in from.  That is an indicator that the account was phished and is being used by a third party for illegal purposes.

4.  The user then paid a large sum of money to another resident (you).  This is often done by both money launder-ers and by people trying to get folks in trouble for "accepting stolen goods."  You are very lucky that LL only removed the money from your account.  Usually, they ban the recipient of such transactions.

I'm afraid her goose is well and truly cooked.

[Innula Zenovka]

I feel I'm missing part of the story here.

Do you know for sure what your girlfriend did?   In particular, where did she buy the pre-paid card and where did she buy the L$?

Assuming she bought the L$ on the Lindex -- and if she didn't, then that's the explanation for her problems right there -- it would seem there's some sort of problem with the card.   In her position, I'd contact both the store from which I bought the card and the card issuer to ask them what on earth is going on.    

Then, armed with their explanation, in writing, she can approach LL to explain that she was acting in good faith.

[Innula Zenovka]

Thanks for the clarification of how your GF bought the L$.

In her position, I'd contact the card issuers, to see if they can cast light on what's going on, and then follow the procedure outlined here  to open a support ticket, as a guest if necessary, to see if LL will reconsider the case.

If she can get something in writing from the card issuers confirmng the card belongs to her, that would maybe help her case.

ETA: In particular, I think she needs to confirm with the card issuers that there were no problems with the transaction -- that is, that the funds were actually successfully transferred to LL and haven't for some reason been reclaimed by the issuers.