Fraud

Hi Russ,

Yes I already wrote it off.. Here is what I just sent to PayPal:

"Hello PayPal,

I am very un-happy with this result and I don't believe you did much to help me even though you said you did. I want to point out a major problem with your email:

"Denny Nirwana" is not a real person, but a made up name of someone or a group who stole credit cards and then became a buyer due to no PayPal AVS checking. The real owner of the credit card is the person who did the charge back. Your email is written wrong and I need to know the name of the real owners so I can work with them like you suggested later in your email. Please provide this information ASAP. I have come to find out that what has happened to me is a documented scam that happens often and the credit card companies never do anything to help small business owners like myself who are out both product and operating capital. The scam artist seems to get away with this most of the time since the police in their countries are just as corrupt.

I do have another problem with PayPal and partially blame PayPal for these criminal attacks. When I signed up with the PayPal gateway I was told AVS (address verification service) was included in my account. Since I thought it was there I didn’t use the Maxmind Geo fraud protection scripts that I normally do. If the AVS service would have been in place like I was told, then these transactions would have been prevented. The transactions happened from a Romanian IP address, with a physical cart address in Indonesia along with the country address of Sweden. Swedish postal authorities simply forward the packages to Indonesia when they see the wrong country code. That is another big issue. When I signed up with the PayPal gateway I was told that my account had AVS and it did not. So I was not protected as verbally promised by PayPal.

I know there's not that much I can do now since the credit card gods have made their decision, but I am going to do everything I can, since I don’t give up easily:

- I am going to seek others that have been through the same as myself and I am going to see if I can find an attorney to help me better understand my rights and if there is any room for legal action. I doubt there is, but I will try until I exhaust this possibility.
- I am going to build a website explaining to others what not to do and to explain not to use PayPal unless they have AVS installed for the extra $10. I will advise to go to another gateway like Authorize.net or Bluepay who include AVS checking for approx. the same monthly costs.

I am not giving up easily.

Please let me know if there is anything I can do to contest the credit card company at this point? What else can PayPal do to help me?"
 
Jerry Doe said:
Please let me know if there is anything I can do to contest the credit card company at this point? What else can PayPal do to help me?"

Hi Jerry, I am terribly sorry to hear about your experience. Not sure if I can be of any help but I am a business consultant and one of my area of expertise is e-commerce, payment service providers processes and fraud prevention. I have managed several websites with transaction volumes upwards of $50M annually. I would be happy chatting with you to find out if there's anything else that may be done.

I recently registered after purchasing one of its active member (Torontonian) 1970 Commando. I have learned lots already, and found the community pretty amazing. I certainly will go VIP to support your efforts as well.

Thanks again for putting this great site together.
 
neda,

Perhaps you can tell us members how to buy or sell from or to an individual located in another county. I.e., how to securely complete the transaction with the least risk. I recently missed out on a sale of my bike to someone in another country because the buyer was skeptical. He was reluctant to post any funds until receiving the bike. It seems there are a multitude of ways to get skinned, as a buyer or seller, in these international or even within country sales. Your input would be very much appreciated.
 
Update:
I have purchased www.dennyNirwana.com and will be making an informational site there for others to understand how this organized crime ring works. I know they will change their name, but my site will remain.

As of 2 hours ago my PayPal processor appears to have been turned off, probably due to my email to them. I am working on a new gateway solution now for my cart. Pay By Check option is the only available option that works on my cart at this time. This just gets more and more fun..
 
Hi Neda,

I will be in touch. I am currently working with my gateway to get back on line.

Cheers
 
Maybe-- the one I am using is denny not dennis. I have been working all day trying to fix this issue with PayPal. They turned me off. Almost resolved I think. Kind of sucks as I did first oil change (Mobile V twin now) yesterday and was going to tighten a few things up and go for a ride today.. Oh well weather will be nice here tomorrow too. I will keep you updated here
 
Ok shopping cart is back in action and able to accept secure orders again for VIP's T shirts etc.
 
JimC said:
neda,

Perhaps you can tell us members how to buy or sell from or to an individual located in another county. I.e., how to securely complete the transaction with the least risk. I recently missed out on a sale of my bike to someone in another country because the buyer was skeptical. He was reluctant to post any funds until receiving the bike. It seems there are a multitude of ways to get skinned, as a buyer or seller, in these international or even within country sales. Your input would be very much appreciated.

That's a broad topic, and sadly as you must already know without a clear definitive solution(s) in place. Banking rules differ greatly from country to country, and even more by regions (i.e.: Europe vs. North America).

Paypal, Square and Ebay actually are leaders when it comes down to international transactions, which isn't saying that there aren't major flaws or issues. Bank transfers, while expensive and often plagued with cumbersome procedures, are considered to be one of the safer method of international transaction. Scammers are sophisticated and have mimicked most manners of exchanging funds and found loopholes and exploited them.

At the end of the day, as a buyer the best course of action is to work directly with your bank/financing institution to find out which transaction method they will offer you insurance for, and find a buyer willing to work within those constraints.

I have much more to write and say on this topic, but as I began that process here I second guessed myself and felt that maybe it would be more appropriate to chat directly :)

I will send you an email shortly.
 
Jerry Doe said:
Hi Neda,

I will be in touch. I am currently working with my gateway to get back on line.

Cheers

I am sending you my contact info by email
 
Im an online business owner also selling motorcycle parts. This same guy has been in communication with me for the past week. Same scam. here is the address and number he is going by:

Jerry Hansen
Royal Residence BF-78
Sabruyact, Jastimland 6023
Netherlands

He wouldn't complete an invoice sent via paypal. so that was the first bell that chirped the radar. then i checked the properties of one of his emails. I use outlook, so all i did was open the email and go to "File" and open properties. I then looked and tracked all the IP addresses and it finally traced back to Indonesia. That was the next thing that clicked in my head something might be wrong. I then said ok, fill out our fax form and send me a copy of your most recent credit card billing statement as we only send to the billing address of your credit card. The city, "Sabruyact," was on our order form but not on his billing statement. And the billing statement's address was in different sized font, not to mention it had the address listed above which 3rdly, dosn't track to any known address when searched upon the internet. Which is how i found this forum. Thankfully you guys saved me money and answered what i had already suspected.

Also, i want to note that the billing statement he sent was and HSBC billing statement. When I had tried to call the USA customer service number. The lady I spoke said the only way for them to confirm account details is to contact the customer and have them schedule a 3 ways phone conversation with all 3 of us on the phone. I find it extremely alarming that there is no easy safe guard system for us retailers to confirm account information, billing address, when we have supossidly been provided with a physical copy of said account's billing statement. I'm under the impression that these banks want to run up charges and fraud because they are profiteering from it more than the scammers by passing on the fraud expense to us business owners.

I will end in this infamous quote by Thomas Jefferson:

"If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around them will deprive the people of all property until their children wake up homeless on the continent their Fathers conquered...I believe that banking institutions are more dangerous to our liberties than standing armies... The issuing power should be taken from the banks and restored to the people, to whom it properly belongs."
 
I would love to get my hands on that dick head. I cant believe he hasn't been arrested yet. I think its a bigger operation though as his orders to me were coming in on a Romanian IP address, with shipping to that same indonesian city or state. I have since blocked Romainia and Indonesia so anyone trying to connect from the 2 counties cannot even see my server (accessnorton or other hosting) unless I white list their IP's.
 
I hear you brother. Ive never blacklisted entire countries from my server, but that does make sense to do. Maybe you could describe here, how to do that.
 
Sure, but I dont like putting that kind of info online. I can only help if you have a unix/ linux server. I dont use Microsoft. Send me and email and I will explain. Cheers
 
The reason bank don't care is they always get paid. It's the merchant that's left holding the bill. I had someone steal my CC number and charged about $5K worth of computer stuff shipped to a legit a address and the bank didn't want to do anything but give me credit, the merchant was at risk. I even called the merchant and they didn't seem to care much. Probably insurance. Until the rules are changed the banks will haul it in no matter.
 
Jerry

I think the same person has tried to rip me off more than once by offering a CC. He was very persistent. I checked his physical address which turned out to be bogus. Luckily I learned my lesson when I only lost a hundred bucks or so.

Please tell us how to check the IP address.

Also - was this a typical paypal shopping cart transaction or was it a Credit card transaction where you processed the CC. In other words - can any paypal transaction be based on a stolen CC. I thought they were more secure than that.
 
I accepted credit cards for years but it got to be so bad I quit.

If you weren't dealing with someone trying to scam you, you were being taken to the cleaners by the credit card company.

Any more I just accept paypal payments. They seem to be pretty good and any problems have been handled very well.

I figure that if the buyer is legit and wants to purchase something -then they can set up a paypal account to make the purchase. That way both the buyer and seller have some protection.

I will also take a bank transfer but that puts the risk management and any fees in the hands of the buyer. Jim
 
Ok here's the deal without giving away too much.

If you have your own linux cPanel server head over to configserver and download CSF firewall and their other scripts. I highly recommend them all (mailscanner, CSX, Mod_security front end and the others). When I ran my hosting company before I had many servers using this setup for years and it works. Most of the linux cPanel hosting community use this setup. Anyway, you will need root access to your server and will need to know basic shell commands to install it all (or open a ticket with them and they will do it for a small fee). Once everything is installed the tough part is knowing how to set the config files as there are many settings. When I ran my hosting company I had to open most servers (allow all countries etc) up quite a bit as I had hosting accounts globally, but now I don't care and its no longer my primary business, so I locked it down as described above. After years of managing servers I came up with the best configs for me to be PCI compliant and to focus on business in Europe, Australasia and primarily the US. After that long winded description (sorry), you login to your server and then to CSF and add block country codes by country ID for example Thailand = TH etc. Job done.

I have the access norton server and another one for my business setup like this. There are some exceptions where forum users work in blocked countries or live there. I "Whitelist" their IP's so they can still see my servers and the forum.

I will be happy to assist anyone who needs server admin help or even setup web hosting on my server for your shopping carts on my PCI compliant server so you will be quite well protected. Contact me if you want that.

Hope that this helps explain it.

You are probably asking why I got conned by that fraud artist as I did for about 2.5K. I know exactly how to check for them and I became complacent on a few orders. Also, the person who purchased (the shit head mentioned) actually did know about commandos, so I thought he was legit. Anyway, I blew it. I blocked his country and others shortly after that.
 
Back
Top