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URGENT Ebay question- UPDATE
mooshoepork
Registered User regular
Registered User regular
I recently put an item up for auction and listed paypal as the only method of payment. The winner wishes to send it to my bank account. I know he is in the wrong and should paypal ( which he said he would it was just take a "while") what are the risks of me giving him my bank account number? He can only send money into it yes? I just want to be sure. Sorry for the silly question.
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http://feedback.ebay.com.au/ws/eBayISAPI.dll?ViewFeedback&userid=vllyk&item=290055628990&iid=290055628990&frm=1883&ssPageName=STRK:MESO:UFS
Edit: hi, i just managed to set up my paypal account. just transferred money to my account. its says 2-3 working days. is that alright with you?
thanks.
wtf is he doing.
http://www.thelostworlds.net/
with paypal.... he might be adding his bank account to his paypal account?
or do YOU still need to that (to be able to "download" any money you recieve to the account)
or is he trying to do a wire transfer or something
i would not accept anything but paypal, or a money order/cashier's cheque. if he cannot do those terms (which you should have in your terms on the auction, you can file him as a non-paying bidder and give him a strike.
is some kind of thing where "the buyer never meant to complete the transaction" and that way they cant leave you negative feedback either
Withdraw funds to bank account
Name:
Bank Account
Total Amount:
-$203.56 AUD
Date:
30 Nov. 2006
Time:
18:04:59 AEDT
Status:
Completed
It said it would take 5 working days, is Paypal saying they have completed their part and now it will take 5 days? from 30th of November? I just checked my bank account and thought there was more in there...
Some idiot:
She has 335 positive feedback, no negative, and has been a member since april 2006. URGH. People are fucking stupid. This should be fine right? why is paying into bank accounts sketchy? Once the money is in there, they can't take it out right?
Feedback isn't hard to fake either. So don't judge someone based on just that.
Electronic composer for hire.
Well. I have an account with all my money, and another account with nothing in it. I could just give them the account with nothing in it.
hmm. I see what you guys are saying, but I really don't want to go through this again. To me, it seems legit, and if I give them an account with no money in it, they can't do any harm. I don't see why someone would wait 2 years, get 100% positive feedback, to attempt to screw someone over a 30 dollar item.
People sell and trade eBay accounts. People's high feedback accounts are targetted and comprimised daily to be stolen because people do moderately stupid things like make their user name the same as their e-mail so phishing them with a spoof e-mail is incredibly easy.
If someone asks you on eBay for your account details IT IS A SCAM. Period. End of story. With everything else in place for money transfer these days, the only reason for this is to target medium- high priced item sellers who seem relatively inexperienced to scam them.
Don't do it. Report the person who sent the question to eBay, they have several tings they can do to make sure that account hasn't been compromised. Never, ever follow a link to a login to eBay or Paypal- no matter how legit it looks. If you are having trouble selling an item because of a low feedback score on your side (first item you have sold), consider a broker. Just don't spend the next few weeks filling out forms trying to regain your bank account and eBay account.
Direct bank deposit is a perfectly safe and legitimate way to transfer money. Giving somebody your account number, name and BSB is not at all dangerous, and it sure as hell doesn't then take 15 minutes to wipe out your account. I'd like to know exactly how the hell that can be done. Considering to use internet banking with any decent bank you need other information like a password, and an access number that is not your bank account number at all. To do anything at a branch you need 3 forms of ID if you dont have a card or bank book that is linked to the account etc etc.
I have made hundreds of transactions using direct bank deposit with complete strangers both in Australia and overseas, and had no problems at all.
I'd feel a hell of a lot safer giving out that info than I would using my CC through paypal. Not as if paypal hasn't ever been the source of CC# leaks.
Banks are pretty well set up for protecting your money in a regular bank account. The main problem is credit cards.
Seriously, I have had my account wiped for $2500. Bank refunded me, but it took 3 weeks. My account # was leaked on a stolen bank laptop...
Good luck.
To send by western union, you need either a credit card number or a debit card number. A bank account number is a different thing entirely.
The amount of paranoia and misinformatuion is still at an all time high. Giving incorrect information is not at all helpful.
Bel, I assure you it's easy to electronically rip off an American account with just those numbers. I dunno, maybe banks suck less in Australia. Maybe you've just been lucky. I dunno. All I know is that you don't e-mail someone you don't know your fucking bank account number.
http://www.thelostworlds.net/
Do NOT, DO NOT EVER give ANYONE your bank account number for ANY reason. Do you understand me mooshoepork?
Report him IMMEDIATELY. There is NO reason that he should be depositing the money directly in your account. There is NO justification he can have for needing to deposit it that way. If he has access to the internet and money, he can use PayPal for free (or any number of other payment methods).
He IS attempting to secure your bank account number for illicit purposes, there is no valid reason for him having your bank account number. Report him NOW, and do NOT give him your number. DO NOT.
I'll PM you just in case you don't check the forum. You must not let this person have your bank account number under any circumstances, and you should report him immediately to eBay.
Edit: there apparently are some people who think this isn't a problem. It is. There are many ways someone can use your account number for illegal or undesirable purposes. Just don't do it.
Unfortunately, I believe you are incorrect. Credit cards provide far more protection to the purchaser than the average bank. Credit card companies have large investigative branches, and are willing to reverse charges. It's a rare bank indeed that would go to the extent of reversing a charge in this kind of situation.
And indeed, while just the bank account number might not in and of itself be immediately dangerous, it is highly questionable for him to ask for that kind of payment. It is relatively unprotected, and it also exposes a potentially important number.
If this person has (for example) acquired your PIN number or a fake ID that he could bring to a teller or ATM machine, he needs but your bank account number to take the lot. He could also use services like Amazon (mentioned in a post above) to take money out with minimal verification.
No, I wouldn't take this risk. It sets off a large amount of alarm signals to me... don't do it. Wait until Paypal clears... you'll at least get peace of mind for it.
I think you'll find that banks are just shitty in the US, and that I am indeed correct when it comes to an Australian bank account.
My oldest son has been working in the fraud areas of the banking industry here for over 10 years, and has stated to me on several occasions that direct bank transfers are much more safe than paying by credit card when it comes to fraud. Money cannot be withdrawn by a third party from an Australian bank account without the account owner submitting real, paper forms to the bank and producing ID. The amazon idea suggested above doesn't work here. If amazon attempt to withdraw money from an Australian account, the bank will reject the transaction.
As for the fake ID idea you have, 3 forms of identification with the correct name, address, DOB etc do not come cheap. They are not easily forged in most cases, so it's all too hard unless you are guaranteed a very good payoff for your trouble.
The main problem with direct bank deposit is when you are paying for something using that method. If you transfer the money and dont get the goods, you aren't covered by any form of insurance like you are with a credit card.
In any case, over the several hundred transactions I have made that way, there has never been a problem. Telling the OP that every time somebody wants to pay by direct deposit they are trying to rob him is poor advice at best, and simply seeding paranoia. It is a widely used, perfectly legitimate way to transfer money.
That's basically how I see it too.
Aye, you have a good point: my only experience has been with American banks. And they're horrible. I had an aunt, actually, who had her Identity stolen. The person took out credit cards in her name, and managed to get into her bank account.
The credit card companies rescinded the charges immediately... but the bank never gave her the money back, even after she proved her innocence. They didn't charge her for the overdrafts that the culprit racked up, but her savings and checking account were drained dry with no compensation. =(
EDIT: A funny story about that too... the thief only got caught after she attempted to get a HOUSE loan in my aunts' name. Someone looked at the right data at the right time, called the cops, and stalled her until they arrived. I'd hate to imagine what would've happened if she had succeeded in getting that loan. That was a ballsy thief... but I digress.
Well, I'm curious now. Are we talking about a different "bank account number" than the one that's printed on every copy of your checks?
But credit cards have protections for stuff like this, and banks do not. If someone steals my Visa number, I'm only liable for the first $50, and Visa covers the rest. If I give somebody my bank account info and they clear it out, I'm good and fucked.
I will vouch for this. While Paypal is now a required payment option for all goods sold through eBay Australia, many sellers, even Powersellers, prefer the use of bank deposit as a payment method. When an individual purchases an item on eBay Australia, bank account names, BSB #'s and account #'s are freely provided both on checkout pages, and also in some auction description pages too.
From what the rest of this thread says, US banks seem like they have pathetic standards of security
Its hard for me to comprehend that a single account number and BSB could see the end of someones savings within 15 minutes.