1. This site uses cookies. By continuing to use this site, you are agreeing to our use of cookies. Learn More.

Paypal Closed My Account! What to do?

Discussion in 'BlackHat Lounge' started by wbdzgnr, Jan 1, 2012.

  1. wbdzgnr

    wbdzgnr BANNED BANNED

    Joined:
    Feb 16, 2011
    Messages:
    104
    Likes Received:
    11
    I think I'm all fucked up! Paypal closed my account saying that they cannot offer their service to me anymore now I don't know what to do. All my funds are held can't touch it for 180 days! And it's my only source of income because that's where all my web design service goes. How will I feed my family and pay for bills. My baby will celebrate his 1st birthday on Jan. 7 and I'm out of funds because of the holiday. Sorry I just really need to get this out of me :(

    Here's how I got limited I think. A client sent payment to my paypal which i don't use because it's not verified (this is the email i use to get it touch with my clients). The correct paypal I use is under my girlfriend's name because that is verified and we are using it for almost a year. I asked him to dispute the payment because I don't use it anymore. He filed a dispute and sent another payment to the right paypal address. Yesterday I logged in the paypal where he wrongfully sent the payment and gave him a full refund then after a few hours i got an email saying that my paypal is limited both account is limited :(

    Alternative to paypal, i asked my clients what's best for them a few suggested Western Union but I know a lot are not comfortable using it and it's too much hassle for others. Any suggestions?

    Thanks BHW.
     
  2. midnight_focus

    midnight_focus Power Member

    Joined:
    Dec 2, 2008
    Messages:
    779
    Likes Received:
    480
    Location:
    blogger
    2co is a good alternative
    or you can open pp account with fake name and verify with vcc

    edit
    2CO is running a free voucher for the holidays I thinks it's "FREEHOLIDAY" --It's posted here at BHW you can search for it--
     
    Last edited: Jan 1, 2012
  3. IKbentim

    IKbentim Power Member

    Joined:
    Mar 14, 2009
    Messages:
    603
    Likes Received:
    655
    This looks like a really clever way of promoting your web design business!

    Ontopic: Call paypal tomorrow and try to sort it out, your story sounds plausible and in no way illegal or anything. Just give them a ring tomorrow and explain to them what happened and hopefully they can help you. If your clients are from the same country i'd just use your bank account for payments from now on. If they're international you can use Western Union and a boatload of other options.

    But for now! Don't stress, wait till tomorrow and have a good new year's day.
     
    • Thanks Thanks x 1
  4. wbdzgnr

    wbdzgnr BANNED BANNED

    Joined:
    Feb 16, 2011
    Messages:
    104
    Likes Received:
    11
    Thanks for the suggestions :) I've been looking at 2co since yesterday and checking out some reviews looks like the only thing that is not good is the high transaction fees. I'll call them tomorrow and I hope everything will be good.

    I actually thought a lot if I will promote my site lol, i know it's kinda not appropriate but I really need some projects to fund our expenses.

    ....

    Also i thought of using oDesk but if a client doesn't have an account I think it's too much to ask them to sign up and get an account.
     
  5. Seo Lover

    Seo Lover Jr. Executive VIP Jr. VIP Premium Member

    Joined:
    Jan 30, 2011
    Messages:
    5,693
    Likes Received:
    4,117
    Gender:
    Male
    Occupation:
    Hanging Around Interwebs !
    Location:
    <-----------------Sin City
    2Co is the best choice .
    Btw to apply for 2CO you must have a sales website through which you are getting orders or through which your clients will pay you .
     
    • Thanks Thanks x 2
  6. boom1

    boom1 BANNED BANNED

    Joined:
    Nov 4, 2011
    Messages:
    818
    Likes Received:
    254
    alertpay, moneybookers are options too, or another paypal account can easily be created

    do not panic, there are options

    happy new year
     
    • Thanks Thanks x 1
  7. arsaltheman

    arsaltheman Power Member

    Joined:
    Aug 2, 2011
    Messages:
    536
    Likes Received:
    263
    You can use 2CO obviously...Haven't used it yet but I think its great...
    You can also try other websites like moneybookers,google-checkout,etc.
    P.S: If you want to have paypal in your payment method,their are also some sites which accepts it like plimus(but you need paypal accounts for that)..In 2CO no need of PP account and also their are websites similar to 2CO.
    Its upon you..:)
     
    • Thanks Thanks x 1
  8. Virus1

    Virus1 Supreme Member

    Joined:
    Dec 13, 2010
    Messages:
    1,326
    Likes Received:
    1,409
    Occupation:
    destroyer of worlds...
    Location:
    Welcome to Black Hat World........................
    Home Page:
    Why is it that paypal shuts down people's accounts.

    Everytime I read one of these posts, it seems like not all the information is included.

    I have had my paypal account since like 1999 I think...
    never had a problem, but then again, I give them all my personal info.
    It's my money, I am totally transparent with them.
    Maybe, that is why I have not had problems with them.
    and to add to that, I run a lot of money thru it.
     
    • Thanks Thanks x 1
  9. Kickflip

    Kickflip BANNED BANNED

    Joined:
    Jan 29, 2010
    Messages:
    2,038
    Likes Received:
    2,465
    Well for this case, it seems like it was closed for suspicion of money laundering or something similar. I don't understand why he would tell the guy to dispute the amount, when he can just do a refund on it, but maybe he wasn't aware that was an option. People need to understand that filing a dispute on Paypal is NOT to be taken lightly and is very serious.

    The only time my Paypal account has been closed was when I was testing a membership script with Paypal and I tested it on an adult site just to see how the script worked. Paypal was not cool with that.
     
  10. zebrahat

    zebrahat Elite Member

    Joined:
    Aug 6, 2008
    Messages:
    2,349
    Likes Received:
    2,890
    Paypal can shut down accounts easily, hold funds for 180 days, etc., precisely because they are not a legit bank. A real bank would call your money DEPOSITS, not 'funds,' and would afford you a better recourse when there was a mix-up. If the OP wants to really press the issue right now, getting a lawyer might work. Short of that, if the account doesn't have a working bank account attached to it, get one, so that the money can be moved out of the PP as soon as the limit is lifted.
     
  11. super11

    super11 Senior Member

    Joined:
    Mar 30, 2009
    Messages:
    879
    Likes Received:
    294
    Occupation:
    Full time Online
    Location:
    Home
    Just few months back, I was without paypal for nearly 2 months. Back then, I used to write content for a living, and I know from personal experience that it feels like the end of the world when such an event takes place. Honestly speaking, I literally had nothing to live with. I mean no cash in hand to pay credit card dues and other installments. It was very tough. Even $50 meant a world to me.

    After spending countless hours with many payment processors and endless verification, ( because most payment processors don't accept Asian members quickly) I finally got approved for 2checkout and during this time my ecommerce site finally also took off well for which I was working for nearly 6 months with no returns at all. Perseverance, hardwork and patience always pays off.

    Fast forward now, my paypal account is activated. I stopped using 2checkout (high fees) after my paypal got activated. But, I feel happy that 2checkout is a standby thing that will come to my rescue if something happens to my Paypal account again. So, it's a revealing thing now. Best of all, I no longer write content all day and night for few dollars an article. The ecommerce site fetches me around $50 to $300 a day. I still work hard a lot on the site but its far better than writing content and earns me more as well.

    My point here is when something goes wrong, we fail to see the bigger picture and we are all negative. But, if we keep working hard with complete honesty and not think negative all the time, something positive will come out in the end and when you will look back, you will have a smile running down your cheeks.

    So, keep going no matter what. Things will fall in place sooner or later :) After all, there is a ray of light at the end of each tunnel. Best of luck and again keep going with honesty and all your might!!
     
  12. super11

    super11 Senior Member

    Joined:
    Mar 30, 2009
    Messages:
    879
    Likes Received:
    294
    Occupation:
    Full time Online
    Location:
    Home
    Great that you created a Paypal account nearly 10 years ago. I don't remember the exact year ( may be 2003 or 2005) but accounts created prior to these years are generally safe. From what I have read somewhere, back then Paypal didnt have a clause where they would close or suspend/ hold accounts at will and wish. I guess, once eBay took over Paypal, things changed. They introduced many unfavorable things under the pretext of terms and conditions which also includes unceremonious suspension of accounts etc. So, accounts created in 1999 and few years later are generally very safe because they don't fall under the new rules which was introduced later on.
     
    • Thanks Thanks x 1
    Last edited: Jan 1, 2012
  13. kaydee

    kaydee Registered Member

    Joined:
    May 21, 2010
    Messages:
    52
    Likes Received:
    21
    Occupation:
    Online marketer
    Location:
    USA
    Another one you may want to try is called ipayment as I have seen some web host providing a link to it in their cpanel.
     
  14. Virus1

    Virus1 Supreme Member

    Joined:
    Dec 13, 2010
    Messages:
    1,326
    Likes Received:
    1,409
    Occupation:
    destroyer of worlds...
    Location:
    Welcome to Black Hat World........................
    Home Page:

    no shit....

    Good to hear that.
     
  15. Ayomav

    Ayomav Regular Member

    Joined:
    Nov 23, 2011
    Messages:
    250
    Likes Received:
    19
    So, they just limit your account and not close it right ? So, work on it, call them and sort it out.
     
  16. Kickflip

    Kickflip BANNED BANNED

    Joined:
    Jan 29, 2010
    Messages:
    2,038
    Likes Received:
    2,465
    You really think banks don't have the ability to freeze your account or shut it down at any time? You are crazy. My moms bank got frozen for suspicion of money laundering when a friend gave her a $2,300 cash loan and she went and deposited it into her account.

    She has been with the bank for 25 years. They didn't call her. They just froze her accounts and disabled every debit card without notifying her. She had to go into the branch and speak with the manager and the manager said they wouldn't unfreeze it until further investigation which left her with no access to any money for 3 days.

    Here is more details about this situation that I could find:

    Code:
    https://www.paypal.com/cgi-bin/webscr?cmd=p/gen/terms-outside
    From what I can see, everyone is bound by the same terms now. I would like to see evidence that the people are bound by a different set of terms for signing up before a certain date.
     
    Last edited: Jan 1, 2012
  17. The Nix

    The Nix Jr. VIP Jr. VIP Premium Member

    Joined:
    Jan 1, 2012
    Messages:
    560
    Likes Received:
    323
    Occupation:
    Weaver of Words
    Location:
    snip.li/WordCounty
    Is PayPal really strict?

    My PayPal account is unverified because I don't have a credit card. My plan is to accumulate my PayPal earnings and then send it (via PayPal) to my aunt in London. In exchange she sends me real money via a different courier or method.

    Is that safe? Or will I get suspended too? :(
     
  18. Kickflip

    Kickflip BANNED BANNED

    Joined:
    Jan 29, 2010
    Messages:
    2,038
    Likes Received:
    2,465
    Your aunt is likely to get investigated for Money Laundering.
     
  19. IKbentim

    IKbentim Power Member

    Joined:
    Mar 14, 2009
    Messages:
    603
    Likes Received:
    655
    She's on a list now
     
  20. zebrahat

    zebrahat Elite Member

    Joined:
    Aug 6, 2008
    Messages:
    2,349
    Likes Received:
    2,890
    My point is that there is a better process for disputing bank actions in a mix-up, not that banks haven't ever shutdown accounts suddenly. Adverse bank reactions over $2300 money movements are one thing, but banks don't freeze or limit accounts for issues as minute as $50 or less transactions, the way PP routinely does.