PAYPAL NINJA SECRET PART 1Understanding how PayPal acts, can help you anticipate what their next likely move will be, regarding Your Account. What makes PayPal the company they are today?PayPal's public face is very different from the private PayPal that many of us never see. While PayPal denies publicly they have a customer service problem, they admit they have a customer service problem in private. While PayPal denies publicly they don't make any money off of your money,PayPal admits it in legal documents. PayPal publicly says their buyer protection is there for buyers, but in private PayPal admits the policy is there to prevent costly chargebacks.
STEALTHING PAYPAL ACCOUNTSThis first part is for teach you how to be "stealth" on Paypal and how to actually get the money out. This guide is not about money laundering or scamming, although perhaps some of this information can be used to figure out some schemes on your own. I currently have 3 Paypal accounts that I use, and 2 backup accounts just in case. None are in my name or anyone related to me. It is always a good idea to have one Paypal account that is legit, meaning you don't do any BS with it. This is your main account that you don't want to compromise. If you are already banned from Paypal, this is OK, you just need to create a new Paypal with a different name. The purpose of this main account is to use to withdraw your money. You can have as many stealth accounts as you want. You NEVER want to link any of your stealth accounts to your main account, i.e., send money directly from one to the other. Paypal will ban accounts that they link to a suspended account, should one of your stealth accounts get banned. They will see that the banned account received x amount of dollars, and every time sends same amount to the other account. Its really not that difficult.
How to create a new accountIf you've never had Paypal before, this is good, as you have a fresh start. It is OK to have a Paypal account that has your real info on it, as long as you just use it for innocent purposes, like selling or buying online. I will not go in to detail about opening a genuine PP account, as it is pretty self explanatory. If you are banned, or just want another legit/main account for back up reasons, you basically make this new account the same way as you would create a stealth account. The only difference is how you use it. It is best to use you main Paypal account on a separate browser than your stealth accounts. This just prevents accidents, like forgetting to log out, forgetting to clear cookies, and IP address/proxy issues. Whenever you are done doing whatever it is you are doing, log and and clear your cookies and cache. I suggest using the same firefox portable as in the TOR browser bundle. All this is cleared automatically when you close the browser. You need to first find a region-specific IP address to use as a proxy. There are many paid proxy services who do this. Don't use TOR, Paypal can detect it and will limit/ban your new account. One thing I like to do is to use a free webhost and set up a basically useless site/page. Once they manually review the site, I put in a php proxy script to use so that I get a US IP address. If you implement this method, you must use a different host or at least create a new website within that host to get on a different server, or the IP address can be the same. It's just one of the things I like to do. A sourceforge link for the proxy will be located at the end of this guide. Now that you have your proxy, check it on www.dawhois.com or other site and make sure it is working. Next you need a new email account (new for every paypal account you create). I prefer yahoo since they never ask for phone verification and I can create yahoo accounts through TOR. Using a new email and IP address for every paypal account is MANDATORY! If you use the same IP for 2 accounts, it may as well be one account, it will only be a matter of time before they link them and ban them both. You are going to want to get verified on at least one account, your main account. Your spending and withdraw limits will be lifted once verified, and this is the main reason to do this. Unverified accounts can only withdraw 500USD per month, but there is no online spending limit. If you live in US, Canada or Australia the only way to verify a Paypal account is by attaching it to a bank account. Fortunately, BY LAW, Paypal cannot see the name attached to the bank account. This is why they send 2 small deposits to it. You seeing the deposits and entering them in to Paypal "verifies" that you are the owner of the account. CASH OUT ANONYMOUSThis is the important part, and not surprisingly, the part most people screw up. Screw it up once, and link accounts, you risk having your money frozen, AKA, lost for good. Here are some of most used methods to retrieve your funds from Paypal.
e-Bay method:The easiest way is to buy digital goods as vouchers, coupons or bitcoins from e- Bay auctions. You must to create a good stealth ebay account and after assign your Paypal account.
Escrow sites methodOther easy way is to use re-seller sites and freelance sites. http://fiverr.com , http://freelancer.com and others that offer an escrow service. This method should also be used to transfer from any paypal to paypal accounts that you own. Never link your accounts! Just like with paypal, set up accounts both as seller and buyer on however many sites you want to use. You really only need one seller account on each, and as many buyer accounts as you with. Again, use new IPs and emails for every account. It is not only fine, but recommended to pair each account with the same IP/Email combo as the stealth paypal account it corresponds to. It's just easier to keep track of the combo this way. Paypal will only see the escrow transaction, and the link between the stealth and main account is broken.
Anonymous card method
Look at https://www.paypal.com/worldwide/ and search countries that Paypal allows withdrawals to cards.
Credit card to IBAN methodYou register online with GlobalWebPay http://www.globalwebpay.com You provide us with the money you wish to send (Either with CC or Bank). Funds are typically received by the recipient within 3 working days but often the next working day. Get some fresh CC's/ -Anon Iban Accounts good VPN network and ready to go. And just start cashing out all day from different CC to different IBAN.
Exchanges sites methodAnother good method is to use money exchanges websites to change Paypal for Liberty Reserve, bitcoins, WebMoney, etc. But few sites accept Paypal because it is refundable and high risk for traders. Good and trusted sites:
HOW PAYPAL LIMITS ACCOUNTSPayPal might limit your account and freeze your funds because:
Believe it or not, these are all reasons as to why PayPal can and will limit your account. With a limited or frozen PayPal account, you have NO access to your own money. There are many, many more reasons as to why PayPal will limit your account and deny you access to your money. Any number of things unknown to you or I can trigger such an event. The reason why this is so disturbing is this: once your account is limited, you have a less than 10% chance of getting your account unlimited. That means less than a 10% chance of getting your account restored to its previous state -- because you made a mistake that you did not know was a mistake or PayPal accused you of something without having or offering any evidence as to your guilt. The simple whim of PayPal can destroy your business and your online reputation. The simple whim of PayPal can freeze access to funds that you need to support your family, pay bills, take that dream vacation or replace the busted tires on your car. Most disturbing of all: PayPal does not need a reason to freeze your funds and limit your account. Remember, PayPal says in its User Agreement (that you agreed to) that it can limit and freeze your funds for "any reason." Maybe PayPal needs a large infusion of cash for whatever reason -- or a short term loan on your money. PayPal can freeze accounts on a mass level for no reason at all. Why? Because PayPal CAN.
RESTORING LIMITED ACCOUNTSIn the event that PayPal limits your account as a result of suspected fraud or other problem, you can restore it to its original, unrestricted state. If PayPal determines that you have been engaging in fraudulent or high-risk activity (such as selling fake merchandise or using stolen credit cards) or that you have not been abiding by the terms of the user agreement (e.g., you've been using PayPal to sell pornographic material or weapons) PayPal will impose limits on your account. Your account might also be limited if you initiate a bank transfer that then fails due to insufficient funds or if you accept a payment that is later disputed by its sender. PayPal often limits the account's access to certain features, such as sending, withdrawing, oreven receiving money. This helps protect any other PayPal users with whom you've been dealing and helps reduce subsequent losses that PayPal would otherwise have to incur. You know that PayPal has limited your account when your Account Overview page has a pink box that says Account Access Limited. As you might expect, click the "Click here for details" link for an explanation. PayPal prides itself on being good at spotting high-risk behavior, but they also recognize that not all high-risk transactions are necessarily fraudulent or bad and not all disputes are the seller's fault. Thus, PayPal has an appeals process for those who have had their accounts limited.
Filing an AppealNeedless to say, the best thing you can do if your account has been limited is to precisely follow the instructions on the web site and in the notification email you receive.
Often, this entails completing a sequence of steps to provide PayPal with evidence of ownership of the PayPal account, ownership of the financials attached to the account, and verification of your own identity and address. Only after you have completed all the required steps will a PayPal Account Review Representative review your account. For instance, if PayPal asks you to fax several documents, your account will not be reviewed until you submit all requested documents and have completed all the remaining steps. In addition, make sure to double-check the email you received notifying you of your account's limited access, because the PayPal Account Review Representative might have added extra steps for you to complete that are not listed on the web site. For instance, if you are a seller on eBay, PayPal will likely request tracking information for items you've delivered and proof of inventory for additional items you're currently selling. If you lose the email, you might not necessarily be able to find all the steps to complete on the PayPal web site; in this case, your best bet is to call PayPal. However, if you no longer have access to your email account, you might have bigger problems to deal with than just your limited account.
A Last ResortIf you're really in a bind and cannot complete the steps requested of you for legitimate reasons, you can always escalate your issue by writing a letter to a PayPal executive, contacting the Better Business Bureau, or working with a legal representative. Escalation in itself is not a guarantee that your issue will be resolved, but if your issue is legitimate, it is likely that a new pair of eyes, perhaps with more experience and background, will look at your issue and help reach a fair resolution.
Avoiding SuspicionTo prevent your account from being limited in the first place, keep your account in order by following these guidelines:
Nuke PayPal With ComplaintsIf PayPal freezes your account for no reason and denies you access to your money for 6 months or more, or even though you were the victim of fraud and PayPal sided with the scammer, your options for getting your money back and/or being compensated for your loss boils down to three options: You can try to work it out with PayPal, you can take PayPal to court (small claims or a higher court) or you can file complaints that will pressure PayPal to see things your way. If you are here, that means you are considering filing a complaint against PayPal. If you are considering this, be sure that you have exhausted all of your options in terms of negotiating with PayPal first. That means, if you are having PayPal problems, do not file a complaint against PayPal until you have contacted PayPal and tried to resolve the issue with them. This is important for a couple of reasons. First, if you file a complaint against PayPal without dealing with them first (even though WE know that does little to no good), you will be informed by the persons or agencies that you are making complaints to to contact PayPal first and try to resolve the issue with them first. Your complaint will then go nowhere. Second, it is important to contact PayPal first because you can gather all of the evidence that you need to do PayPal real damage when you file your complaint. Without some kind of evidence showing that you attempted to work the problem out with PayPal, your complaint will either be dismissed or rendered completely useless. When contacting PayPal with your problem, first attempt to communicate with them via email. After you have sent them an email, immediately go to the telephone and call PayPal. Do not tell PayPal that you have sent them an email on this issue. Write down what time you called, what you said, and what the PayPal representative said. If you can get that person's first name, write that down as well. After you get off the phone with PayPal, evaluate if what transpired helps you or solves nothing. Wait an hour or more and call PayPal again. With any luck you will have a different customer service representative. Go through your whole problem again WITHOUT MENTIONING that you called before about the same problem. Based on that information, go through the motions of trying to comply with what PayPal wants of you. Now, check your email and see if PayPal has replied. If PayPal has replied, write down how long it took them to reply. Copy the email and keep it together with your original email that you sent them. After looking at what you have thus far, I bet that what the people at PayPal told you is different than what your email is saying. I bet that what PayPal told you over the telephone is different than what somebody else at PayPal told you over the phone! You are now building evidence against PayPal to use in your complaints. Based on the information that you have thus far, this is how it all pieces together. Here is an incomplete complaint letter showing how this fits together: I have been a PayPal account holder for 1 year. I recently sold a computer via eBay. I received payment for my computer via the PayPal service. After I received the money into my PayPal account I shipped the computer to my buyer. When I logged into my PayPal account PayPal told me was account was frozen and I could not have access to my money! PayPal accused me of "suspicious activity." That is ridiculous! Paypal asked me to fax them a copy of my ID, credit card statement and utility bill showing my address. I did this and PayPal still won't let me have my money! (Here comes the info you just collected) I contacted PayPal via email -- it took them three days to reply. When I did get the reply it had NOTHING to do with what I had written. They are jerking me around. A copy of my email and PayPal's reply is attached. I called PayPal TWICE -- On January 16 at 3PM and January 17 at 630PM. The first time the customer rep (John -- he would not give me his last name or an employee number or anything) told me XXXXXXXXXX. That did not help me in the least. I then called PayPal again and this customer service representative (Janice) told me something completely different! She told me XXXXXXXXX. PayPal will not even provide me with evidence showing me what this "suspicious activity was." But I had to supply PayPal with plenty of very private information! In the end the refuse to give me my money back! Obviously there will be much more to your complaint -- and your complaint will be customized towards who you are complaining to (example: your complaint would differ based on if you were writing to a federal law enforcement center verses complaining to a state agency concerned with money transfer issues). Next, you have to decide WHY you are complaining and WHAT YOU WANT. It does not help to complain unless you describe what you want. In our above example you are showing that PayPal is unfair and conducting questionable and illegal business practices to hold your money (for its benefit). You are also describing in your complaint what you want: you want PayPal to return your money NOW. Not in 6 months, not next week and not tomorrow. You want your money now. By saying what you want, it will make it easier for the persons or agencies you are complaining to contact PayPal and pressure them to return your money. If, in this example, you did not say what you wanted, the persons or agencies that you complained to might only contact PayPal about their questionable business practices -- and not the fact that you want your money back. So decide WHY you are complaining and decide WHAT YOU WANT. Once you have contacted PayPal and gone through the motions of contacting PayPal to resolve the issue, and once you have gathered all of your documentation and evidence, you are ready to take on PayPal. If you want to avoid court or having to file lawsuits to solve your PayPal problem, you have to get other people to fight your cause for you -- for free. That is where "federal resources" come in. There are government agencies -- and national complaints organizations -- who will take your complaint and then take it to PayPal. These government agencies and organizations carry far more weight, power and influence than any letter thatyou could write to PayPal yourself. Often times, PayPal will cave in to your demands and solve your problem just from having these agencies and organizations contact them and threaten them with further action should they continue with their behavior. That is the factor that you must count on: The pressure from these organizations and the pressure that PayPal will feel from receiving other complaints from thousands of others. It will be cheaper and less risky to solve your problem than to have PayPal challenged by a federal government agency or court. To begin the process of getting your money back you can file your complaint with the following federal organizations:
United States SenatorsEvery state has two United States Senators. These two people are elected on a state wide basis and represent your entire state in Washington D.C.. Your United States Senators have enormous power and enormous influence. A simple letter or phone call from a U.S. Senator's office can move mountains or force dogs and cats to sleep together. Why will they help you? Every United States Senator has an office that deals with constituent complaints involving a number of issues -- every problem imaginable are handled by your United States Senators' office. Second, they want to get re-elected. Unlike PayPal, your government representatives serve at the pleasure of the voters. They figure if they can help you, you will be grateful and vote for them in the next election. Fair trade. Contact your TWO United States's Senators with your PayPal problem. Don't forget to include why you think PayPal was unjust to you and mention the fact that PayPal has a history of screwing its customers. You may submit your complaint via email or you may write them a letter. http://www.senate.gov(When you get there, look in the upper right corner of the page to find your U.S. Senator) United States Congressman/WomanUnlike Senators, where every state has two, your state has anywhere from one to over 50 United States Congressman/woman. These people are elected in districts. In your congressional district, you have ONE United States Congressman/woman. Like U.S. Senators,these people have a huge amount of power and influence. Like Senators, members of Congress deal with a huge amount of voter problems -- you name the topic, and they can and will help you. One phone call or letter from them can solver your PayPal problem. You can contact your member of Congress via email or write them a letter. https://writerep.house.gov/writerep/welcome.shtml
The United States Department of JusticeThe Department of Justice is the federal government's chief law enforcement agency and prosecutorial office. You can file a complaint with them via email or write them a letter.
The Federal Trade Commission (FTC)The FTC deals with issues that touch the economic life of every American. It is the only federal agency with both consumer protection and competition jurisdiction in broad sectors of the economy. The FTC pursues vigorous and effective law enforcement; advances consumers’ interests... In short, these are the guys that PayPal is really afraid of. You can file your complaint with them online. https://www.ftccomplaintassistant.gov
The Securities and Exchange Commission (SEC)Why in the world would anybody complaint to these guys? Don't they have something to do with the stock market or something? You are correct, they regulate all companies that are trading stock publicly. They also are very concerned with companies who engage in fraudulent activity which might manipulate their stock price and give investors a false picture of the truth of a company's heath. Your approach is this: PayPal freezes customer accounts so they can artificially inflate the amount of cash reserves that they have (remember, your money is held in pooled bank accounts under PayPal's name). This is an issue the SEC would be very interested in. Who knows, maybe PayPal is involved in some kind of fishy accounting practices (remember Enron?). You can file a complaint with the SEC online. http://www.sec.gov/complaint/select.shtml
The Internet Crime Complaint Center (IC3)Report PayPal to this feared and effective government task force. Your aim here is to highlight the criminal and fraudulent nature of PayPal's activities. You must be able to detail how PayPal wronged you and stole your money. http://www.ic3.gov/complaint/default.aspx
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