Email from Dwolla Regarding Reversals - page 3.

cryptoanarchist

legendary

Activity: 1120

Merit: 1003

Quote from: Yankee (BitInstant) on April 17, 2012, 12:12:27 AM

Quote from: coinuser4000 on April 16, 2012, 11:01:46 PM

Quote from: zer0 on April 16, 2012, 06:13:13 PM

Facebook thing and 30 day wait won't really prevent fraud. Afterall most crimebots record every keystroke and login so the potential fraudster would already have all Dwolla/FB/everything and can just buy the SSN# from a lookup service.

Bitinstant should crowdsource trusted people to do cash in hand trades in every city and pay an affiliate fee or something

No more banks or dwolla middlemen. Sort of a giant hawalla network

I would happily participate in such a thing. I wonder how you'd go about vetting so many people though...

Thats a good idea actually.....

Count me in...they already have sites like bitcoinmap and btcnearme.com, but there are not of nodes on them, and they don't appear to have any stats or feedback mechanism for reputation. Even better would be a p2p client.

Splatter

newbie

Activity: 45

Merit: 0

emailed today:

RE: Dwolla ID: XXX-XXX-XXXX

To Whom It may concern,

Regarding your decision to force facebook or other social network & require a social security number even though I have never traded over the established 5k limit I now request you close my account.

Because of this decision I have withdrawn all remaining money from my account & would like this account closed as soon as this transaction clears.

Further, please delete and all my personal information, including linked bank accounts to this dwolla account.

Thank You,

So now where to I go to get my cash into campbx, Any ideas?

RodeoX

legendary

Activity: 3066

Merit: 1147

The revolution will be monetized!

Quote from: phillipsjk on April 17, 2012, 04:05:17 PM

Quote from: RodeoX on April 17, 2012, 09:28:07 AM

Quote from: coinuser4000 on April 16, 2012, 11:47:51 PM

Someone please explain to me how having a Facebook account makes a person less likely to be committing fraud?

Who says it does. Maybe they just want your FB info for marketing? I bet if I had your social connections I could identify several hot leads. Sad

The Article linked by Stephen Gornick. Social networks are now being used for credit checks.

I was just wondering if that was a pretext to get your information. If I really wanted to establish identity I would ask for a bill from the gas company, not a face book account.

notme

legendary

Activity: 1904

Merit: 1002

Quote from: notme on April 16, 2012, 10:59:38 PM

Now selling Dwolla to mtgox service for 0.50 cents. Just send funds to https://www.dwolla.com/hub/812-665-7282 with the MTGOX comment that MtGox uses to identify your account. I will keep a quarter and send it on to MtGox with the comment intact. I'll probably get my account marked for these requirements before long, and I'll be doing it manually so there will be a delay while I sleep and when I'm AFK, but I can process them within 12 hours from now until Friday, April 20th (I'll be travelling Saturday) or until I get marked. Of course, there's a chance I'm already marked for having transacted with MtGox, so I would appreciate it if someone who's account doesn't meet the requirements could check and let me know.

Dwolla account ID # 812-665-7282 has been suspended.

Oh well. At least my account was empty.

phillipsjk

legendary

Activity: 1008

Merit: 1001

Let the chips fall where they may.

Quote from: RodeoX on April 17, 2012, 09:28:07 AM

Quote from: coinuser4000 on April 16, 2012, 11:47:51 PM

Someone please explain to me how having a Facebook account makes a person less likely to be committing fraud?

Who says it does. Maybe they just want your FB info for marketing? I bet if I had your social connections I could identify several hot leads. Sad

The Article linked by Stephen Gornick. Social networks are now being used for credit checks.

RaggedMonk

sr. member

Activity: 308

Merit: 250

Quote from: DeathAndTaxes on April 17, 2012, 08:34:33 AM

Which I have no problem with companies using social media to gain competitve advantage. What is disgusting is linking that "advertising" requirement to account verification.

Had they launch a separate imitative where liking them on facebook and installing the Dwolla app (which links your Dwolla # to your facebook identity to make it easier for facebook users to send money to each other) got you 10 "free transfers" that would be a smart action by a reputable company.

The integration into "fraud prevention" is just disgusting and shows the kind of culture that exists at Dwolla Inc.

+1

notme

legendary

Activity: 1904

Merit: 1002

Quote from: RodeoX on April 17, 2012, 09:28:07 AM

Quote from: coinuser4000 on April 16, 2012, 11:47:51 PM

Someone please explain to me how having a Facebook account makes a person less likely to be committing fraud?

Who says it does. Maybe they just want your FB info for marketing? I bet if I had your social connections I could identify several hot leads. Sad

Scam accounts are friends with scam accounts. When you connect to fb, they pull all your friends in.

RodeoX

legendary

Activity: 3066

Merit: 1147

The revolution will be monetized!

Quote from: coinuser4000 on April 16, 2012, 11:47:51 PM

Someone please explain to me how having a Facebook account makes a person less likely to be committing fraud?

Who says it does. Maybe they just want your FB info for marketing? I bet if I had your social connections I could identify several hot leads. Sad

rjk

sr. member

Activity: 448

Merit: 250

1ngldh

Quote from: Yankee (BitInstant) on April 17, 2012, 12:12:27 AM

Quote from: coinuser4000 on April 16, 2012, 11:01:46 PM

Quote from: zer0 on April 16, 2012, 06:13:13 PM

Facebook thing and 30 day wait won't really prevent fraud. Afterall most crimebots record every keystroke and login so the potential fraudster would already have all Dwolla/FB/everything and can just buy the SSN# from a lookup service.

Bitinstant should crowdsource trusted people to do cash in hand trades in every city and pay an affiliate fee or something

No more banks or dwolla middlemen. Sort of a giant hawalla network

I would happily participate in such a thing. I wonder how you'd go about vetting so many people though...

Thats a good idea actually.....

Why couldn't something like this be integrated into StartSSL's WoT? If you screw up big time, all your certificates get revoked.

DeathAndTaxes

donator

Activity: 1218

Merit: 1079

Gerald Davis

Quote from: stochastic on April 17, 2012, 02:21:30 AM

The facebook/social network is just a marketing thing. They want to have access and see who you connect to so to get more customers. If you link to a fake one they won't know any difference.

Which I have no problem with companies using social media to gain competitve advantage. What is disgusting is linking that "advertising" requirement to account verification.

Had they launch a separate imitative where liking them on facebook and installing the Dwolla app (which links your Dwolla # to your facebook identity to make it easier for facebook users to send money to each other) got you 10 "free transfers" that would be a smart action by a reputable company.

The integration into "fraud prevention" is just disgusting and shows the kind of culture that exists at Dwolla Inc.

tarrant_01

hero member

Activity: 546

Merit: 500

Quote from: Yankee (BitInstant) on April 17, 2012, 12:12:27 AM

Quote from: coinuser4000 on April 16, 2012, 11:01:46 PM

Quote from: zer0 on April 16, 2012, 06:13:13 PM

Facebook thing and 30 day wait won't really prevent fraud. Afterall most crimebots record every keystroke and login so the potential fraudster would already have all Dwolla/FB/everything and can just buy the SSN# from a lookup service.

Bitinstant should crowdsource trusted people to do cash in hand trades in every city and pay an affiliate fee or something

No more banks or dwolla middlemen. Sort of a giant hawalla network

I would happily participate in such a thing. I wonder how you'd go about vetting so many people though...

Thats a good idea actually.....

I would be intersted if a secure method was established for doing exchanges.

stochastic

hero member

Activity: 532

Merit: 500

Quote from: coinuser4000 on April 16, 2012, 11:47:51 PM

Quote from: Yankee (BitInstant) on April 16, 2012, 10:27:37 AM

Got this in my inbox.

I think this is a good idea, thoughts?

Quote

Hello,
As a merchant in the Dwolla community, we appreciate your shared interest in maintaining a safe and responsible payment network.
We'd like to let you know about a few changes we are rolling out shortly to merchants effected by bank level reversals, caused by identity theft and fraud.

Starting today, users sending money to your account will need to meet and/or maintain:

1) Connect a social network
2) Have a bank deposit 30 days old
3) Enable a DWOLLA hub page
4) Have a verified account
(i.e. Social Security and/or Photo Verified)

We are working hard to make sure this policy does not affect your most frequent, loyal, and responsible customers.

Thanks for being a part of Dwolla. We hope our new changes will protect customers and merchants alike. Please let us know if you have any questions.

All the best,
Dwolla

Someone please explain to me how having a Facebook account makes a person less likely to be committing fraud?

Also, am I the only one who thinks it's creepy to require someone to participate a third party social networking site before they can access a banking service? Why do they need to see pictures of your kids to validate your account? Banks don't even ask for this.

I've said it before and I'll say it again, making more rules doesn't prevent fraud, it just infringes on the rights and privacy of ordinary people. Criminals always find a way around no matter what hoops you make people jump through...

The facebook/social network is just a marketing thing. They want to have access and see who you connect to so to get more customers. If you link to a fake one they won't know any difference.

Etlase2

hero member

Activity: 798

Merit: 1000

Quote from: notme on April 16, 2012, 10:59:38 PM

Now selling Dwolla to mtgox service for 0.50 cents. Just send funds to https://www.dwolla.com/hub/812-665-7282 with the MTGOX comment that MtGox uses to identify your account. I will keep a quarter and send it on to MtGox with the comment intact. I'll probably get my account marked for these requirements before long, and I'll be doing it manually so there will be a delay while I sleep and when I'm AFK, but I can process them within 12 hours from now until Friday, April 20th (I'll be travelling Saturday) or until I get marked. Of course, there's a chance I'm already marked for having transacted with MtGox, so I would appreciate it if someone who's account doesn't meet the requirements could check and let me know.

This is probably a terrible idea to do for anyone that you don't trust, and you can't trust people because they have posts on a messageboard. I wouldn't be surprised if you get caught in the middle of this and end up holding the bag for some of this money. Slippery slope, imo.

deepceleron

legendary

Activity: 1512

Merit: 1032

Funny now, considering how the thread I created here where I posted links to a Dwolla employee's Facebook and the information gleaned from there got deleted by mods (the same employee that called me on my home phone telling my my funds were locked and wanted photo ID in color). Maybe if they had some more pushback after holding people's money for ransom (with no policy detailing what they were going to do with personal data) we wouldn't be here now...

We basically have another layer removed that further reveals these are inept midwest college students who started this "service" without the slightest idea about how banking works.

Yankee (BitInstant)

legendary

Activity: 1078

Merit: 1000

Charlie 'Van Bitcoin' Shrem

Quote from: coinuser4000 on April 16, 2012, 11:01:46 PM

Quote from: zer0 on April 16, 2012, 06:13:13 PM

Facebook thing and 30 day wait won't really prevent fraud. Afterall most crimebots record every keystroke and login so the potential fraudster would already have all Dwolla/FB/everything and can just buy the SSN# from a lookup service.

Bitinstant should crowdsource trusted people to do cash in hand trades in every city and pay an affiliate fee or something

No more banks or dwolla middlemen. Sort of a giant hawalla network

I would happily participate in such a thing. I wonder how you'd go about vetting so many people though...

Thats a good idea actually.....

coinuser4000

member

Activity: 128

Merit: 10

Quote from: Yankee (BitInstant) on April 16, 2012, 10:27:37 AM

Got this in my inbox.

I think this is a good idea, thoughts?

Quote

Hello,
As a merchant in the Dwolla community, we appreciate your shared interest in maintaining a safe and responsible payment network.
We'd like to let you know about a few changes we are rolling out shortly to merchants effected by bank level reversals, caused by identity theft and fraud.

Starting today, users sending money to your account will need to meet and/or maintain:

1) Connect a social network
2) Have a bank deposit 30 days old
3) Enable a DWOLLA hub page
4) Have a verified account
(i.e. Social Security and/or Photo Verified)

We are working hard to make sure this policy does not affect your most frequent, loyal, and responsible customers.

Thanks for being a part of Dwolla. We hope our new changes will protect customers and merchants alike. Please let us know if you have any questions.

All the best,
Dwolla

Someone please explain to me how having a Facebook account makes a person less likely to be committing fraud?

Also, am I the only one who thinks it's creepy to require someone to participate a third party social networking site before they can access a banking service? Why do they need to see pictures of your kids to validate your account? Banks don't even ask for this.

I've said it before and I'll say it again, making more rules doesn't prevent fraud, it just infringes on the rights and privacy of ordinary people. Criminals always find a way around no matter what hoops you make people jump through...

notme

legendary

Activity: 1904

Merit: 1002

Quote from: Stephen Gornick on April 16, 2012, 11:08:06 PM

Quote from: notme on April 16, 2012, 10:59:38 PM

Now selling Dwolla to mtgox service for 0.50 cents.

Heh, you beat me to my post by a few seconds.

Just like there are trusted parties on #bitcoin-otc trading PPUSD for MTGUSD amongst each other without any hassle from PayPal there can be those who aren't marked by Dwolla as being under this restriction who would trade Dwolla USD for MTGUSD -- often at 1:1 or near to it (as your offer was).
- http://webchat.freenode.net/?channels=#bitcoin-otc-foyer
- http://bitcoin-otc.com/trust.php

I really need to get back on there. I lost my private key for my nick a while back, so I'll have to start over.

Stephen Gornick

legendary

Activity: 2506

Merit: 1010

Quote from: notme on April 16, 2012, 10:59:38 PM

Now selling Dwolla to mtgox service for 0.50 cents.

Heh, you beat me to my post by a few seconds.

Just like there are trusted parties on #bitcoin-otc trading PPUSD for MTGUSD amongst each other without any hassle from PayPal there can be those who aren't marked by Dwolla as being under this restriction who would trade Dwolla USD for MTGUSD -- often at 1:1 or near to it (as your offer was).
- http://webchat.freenode.net/?channels=#bitcoin-otc-foyer
- http://bitcoin-otc.com/trust.php

coinuser4000

member

Activity: 128

Merit: 10

Quote from: zer0 on April 16, 2012, 06:13:13 PM

Facebook thing and 30 day wait won't really prevent fraud. Afterall most crimebots record every keystroke and login so the potential fraudster would already have all Dwolla/FB/everything and can just buy the SSN# from a lookup service.

Bitinstant should crowdsource trusted people to do cash in hand trades in every city and pay an affiliate fee or something

No more banks or dwolla middlemen. Sort of a giant hawalla network

I would happily participate in such a thing. I wonder how you'd go about vetting so many people though...

notme

legendary

Activity: 1904

Merit: 1002

Now selling Dwolla to mtgox service for 0.50 cents. Just send funds to https://www.dwolla.com/hub/812-665-7282 with the MTGOX comment that MtGox uses to identify your account. I will keep a quarter and send it on to MtGox with the comment intact. I'll probably get my account marked for these requirements before long, and I'll be doing it manually so there will be a delay while I sleep and when I'm AFK, but I can process them within 12 hours from now until Friday, April 20th (I'll be travelling Saturday) or until I get marked. Of course, there's a chance I'm already marked for having transacted with MtGox, so I would appreciate it if someone who's account doesn't meet the requirements could check and let me know.

Edit: Don't send funds, Dwolla suspended my account.

Topic: Email from Dwolla Regarding Reversals - page 3. (Read 10414 times)