Jump to content

Serra Nightfire

Resident
  • Posts

    19
  • Joined

  • Last visited

Reputation

0 Neutral

Recent Profile Visitors

The recent visitors block is disabled and is not being shown to other users.

  1. KarenMichelle Lane wrote: What are you ranting about? I've used PayPal as one of my payment funding sources for my Real Life Business for over 8 years. They have been nothing but professional in all that time. The information you are being asked for it the same information I presented years ago when establishing my Business Account with PayPal. Now regular US-Based PayPal accounts are required to provide verified identification information. It's about time. Being able to bill my clients via an PayPal email invoice has been a boon for me. The bottom line is PayPal is an "Acquiring - Bank Company" from the definition I offer "The acquiring bank accepts the risk that the merchant will remain solvent over time, and thus has an incentive to take a keen interest in the merchant's products and business practices" PayPal is Not a traditional Bank. It was founded as and is still a place for businesses and individuals to conduct business over the internet with emphasis of maintaining credit worthiness. As a self-owned business if you maintain a large PP account balance over time your credit worthiness goes up. It is not a free "checking" account. Credit worthiness is earned by consistent use and a minimum of transaction reversals. As they have expended their services over the years I've started to use them as one of my [and not my only] merchant payment companies to accept VISA & M/C cards as well. I want to do business / expand my services to private individuals and this will help open that market to me and also provide added security to make sure that those funds are mine to keep when I accept a PP payment from a new client. So because you are asked to provide verifiable information to PP you think this is unprofessional? Really? A PayPal debit card is NOT an acceptable "Bank Funded" source in the eyes of Linden Research. PayPal is not a bank. That Linden Research accepts a fully verified PayPal account backed up by a real world bank account is a good thing in my eyes. To me this means in SL that I'm way less likely to see one of those "Adjustments" to my Linden Dollar balance because of fraud and theft of another's account in payment to me. Real World banks are now able to process check and debit transactions nightly and clear "Completely" nightly. That took over 50 years to become a reality. The whole transaction verification process is so very complicated and that is what most people don't understand. A single debit between your gas station and the funding bank has several communication and verification steps in it before the funds are locked, sent and in the hands of the gas station owning company. I for one will be happier if and when all my PayPal transactions can clear in 5 or less days. But I digress. As for PayPal Customer Support, I've had only 3 occasions over these past 8 years to deal with them. On all 3 of these occasions the email/problem support method did the trick nicely. Now mind you, my life doesn't depend on immediate access to the funds in my PayPal business account. I know how to budget my life and expenses. So when I transfer funds from PayPal, I learned a long time ago that non "brick & mortar" institutions all require lead time to complete fund transfers. It's been this way for all my experience and still is. In the world outside of SecondLife, all internet based financial institutions are going through this increase in security awareness and record keeping requirements. Many are instituting 2 factor identification as well and it's about time. I'm more aggravated about the fact that I had to send them my delicate info in order to verify for their Paypal Debit Card, but they won't let me use that same info to get them to take my bank account out of their system, or at least to move it over to the current Paypal account that I am using. If I can verify who I am for the one thing they want me to do, it seems like I should be able to use that info to prove who I am and get them to do something else for me as well. Sure, they'll take my information of verification in order to charge me $59.40 USD a year in fees in order to use their Paypal Debit Card, but they won't cooperate and either take my bank account out of the system so I can use it again, or migrate it to my current Paypal account- that's just shady as hell.
  2. Nope, they know they are inactive, they told me. Oddly, I made all of my accounts with the same email address, so I wouldn't even be able to get in there if I tried, as there is currently an account with that email address open. I guess there's a lot of things they don't tell you and that you don't think about up front. The only way a person really sees these things is when they have a problem and go to the knowledge base on the site. Which I can't see anyone doing for something that seems so insignificant as closing an account, even though it is a big deal to close an account for some reason. If they gave me the option to go back and take those off of there somehow, it wouldn't be a problem. But the fact that they are unwilling to cooperate when I have no way of going back and doing it myself now is just aggravating. I would say that they just need to have the information on things like this a bit more up front and in big letters. >< And then wanting me to send them a picture of my Social Security Card and Drivers License to even activate their stupid card just adds insult to injury. I told them all of the information on the phone. Don't they think that if I stole someones information that I may also have stolen their ID and SS card from their wallet as well? So basically, sending them the information they want is pointless and dangerous for me. But I do have $50 in that account that I really need in real life very soon, so I'll give in to them this time. Yeah, I didn't know to take the information off, but they should still delete it upon request. It's just reckless for them to have that type of info sitting around on their computers, and they don't have any business even having it anymore, especially since they won't let me use it again. I still think that there is some legal aspect to the whole thing, but I'm not exactly sure what category that would fall under. I don't know of any other company that keeps your payment information stored in their computer forever after you close your account with them, though it may be something that the big companies don't talk about.
  3. Dilbert Dilweg wrote: /me wonders if LL ever looked in to BitCoin. I would like the option of who I bank with online instead of being forced to use such Pay-Pal my self. I think Pay-Pal also has to abide by laws that were changed after 9-11 which they probably wont get rid of that info because the NSA wants it lol. Efforts to quell money laundering tied to terrorism. Bunch of BS if you ask me. I have also read where pay-pal at one time refused service to a company that sells VPN accounts because many of the accounts are used for illegal file sharing.. They do seem to be very drivin by politics..... But really your beef is with Pay-Pal. There just is not a lot of options when it comes to online money transfer. I did see on the national news they talked about BitCoin a good service to use appearently 9-11 laws just like when I go to a bank to cash a check from one of my customers. If I dont have an account I am thumb printed . grrrrr lame I know it would be a big responsibility for LL, but I wonder why they don't make their own withdrawl system. Seems like the professional thing to do, instead of going through some shady 3rd party service. And anyone could easily launder money anywhere, really. If that's what Paypal is concerned about, they need to put on their tinfoil hats! Just seems suspicious that they won't delete the old information, even if you prove it is yours. In my opinion, they don't OWN my bank account information, and they should purge it upon my request, instead of keeping it in a database somewhere. Basically, that information is just sitting there in a database, waiting for anyone to get into it that knows how to. There is no reason, though I understand what you are saying, for them to keep it.
  4. Alright, big rant incoming, seemed like the only place to put it. -deep breath- I've had a few Paypal accounts over the years and have closed them down due to various facts. When I opened one a while back again, I couldn't add my bank information to it. They don't purge accounts and refuse to take your bank account off of the old accounts, so they basically put you into a trap. I called them about this problem, and they said that my bank account was already on three other accounts and that my "only option" now is to get a Paypal Debit Card, which he conveniently forgot to mention has a $5 a month service fee. I know that there has to be some technology there for them to purge accounts or at least remove the bank account off of the old accounts, but they refuse to do it. They know that people are constantly opening and closing their accounts because they get tired of the bs that Paypal does. Therefore, they have found a way to profit off it it. I got my card in the mail Monday, tried to activate it online like it said I could, and naturally it failed. So I had to call them again, unfortunately. This time, they told me that I needed to send a picture of my Social Security Card and Drivers License to them in an email in order to have the account activated. More Paypal hoops to jump though, yay. My question is, why in the world does Linden Labs even deal with someone so unprofessional as Paypal? It's widely known that Paypal is a joke and has horrible outsourced customer service. (but that is a whole different rant right there) I just needed to get the Paypal debit card in order to transfer my earnings from SL to my real life. I would think that LL would want to go with someone a bit more reputable than Paypal. Even Google has their own wallet type of thing, though I don't think it's as easy to send out payments to people as it is in Paypal, but I'm sure that Linden Labs could work something out. Anyone would be better than Paypal. And no, I didn't know that they would refuse to take the bank account off of the old accounts, and I see no reason for them not to do so. (actually, seems like it would be against the law to not remove the information if requested) They are already asking me for very specific items for proof of who I am to activate the debit card, so it obviously isn't a security issue to them. I think that if you want your account or at least your bank account info deleted from their database so you can start over again, that they should do it, even if it requires them asking you for proof of identification. But then they wouldn't make as much money off of their $5 a month debit card fee, and they know it.
  5. Cerise Sorbet wrote: For the time being, Exodus would be pretty high on the list. It has migrated from Carbon over to Cocoa, and it has some tweaks for the Retina displays and full screen on newer OS X releases. Other viewers should eventually get these patches too. Does Firestorm not use Cocoa yet? Firestorm seems to work pretty well for me on my Hackintosh, though I know if I was running it on a Windows partition, everything would be so much better if I was using Nvidia drivers and the new software for it, instead of the usual kexts on the Hackintosh. Was thinking about getting Exodus again, actually.
  6. I was also surprised when I went on the first day of how laggy it was. The running in place and moving so slowly seemed so odd. I would have thought that after being in business for 10 years, that LL would have figured out some way by now to fix situations like this from happening. I'm not an expert in how everything in SL works, but it seems like the technology would be there to fix these issues.
  7. Kenbro Utu wrote: Obviously, it's for pole dancing... Ha, I agree. Everything in Second Life is for pole dancing!
×
×
  • Create New...