Category Archives: eBay Buyers tips

eBay Spoof email: The very best attempt I have seen yet

Hello,

Most of us who are active on eBay are accustomed to frequent and poor attempts to steal or “phish” our passwords via bogus emails.

They are usually pretty easily seen, But I was almost taken by this one, perhaps because I was bleery eyed at 4am when I first opened the email, but nonetheless I figured I share so others would know what to look for.

Before I post it, In case you dont read all the way through, Remember these 3 tips, so that you are NEVER successfully phished.

Always:

  • Select details or show more details, in your email heading, although the email may say Paypal the originating address is more important.
  • ex)1st flag
    from PayPal <service-dzd38r27vs3@2473.paypal-update.usafinancialjobs.net>
    to sunforged@kmail.com
    date Thu, Jan 29, 2009 at 12:33 AM
    subject sunforged@kmail.com, please restore your account access
    You will see that colored heading does say Paypal but, the actual originating address is originating from the domain usafinancialjobs.net, not paypal.com as it should!
  • Next, They addressed me by my email address, Paypal will ALWAYS use your registered name
  • And finally as a security precaution, never log in from a link in the email, open a new window or tab and log in directly from the site.
  • I did perform a WhoIs search on the originating domain on this fraud attempt (usafinancialjobs.net, they used the sub domain “paypal update” but they are paying for a privacy service, I called but was directing to their registrar Register.com who was unable to help due to the service.
  • see the rest of the email below, pretty tricky, It was formatted well unlike most…so beware, but if you follow the three tips you will never get tricked again, if you do get one, forward it to spoof@ebay.com, they send you an automated thank you and they seem to get the originating web pages/emails/links/domains shut down very quickly.

Dear sunforged@kmail.com

PayPal works 24/7 to help safeguard your privacy and protect your identity by using advanced technology and vigilant monitoring. We deploy fraud prevention technology that monitors transactions for suspicious activity.

As part of our efforts to provide a safe and secure environment for the online community, we regularly screen account activity. While reviewing your PayPal and eBay accounts, we observed activity that we would like to further verify. For this reason, limitations have been placed on your account(s) until we are able to gather some additional information from you.

In order to resolve the account limitations, please complete the following steps:

1. Log into your PayPal account
2. Complete the necessary information

  • Contact information – your name, address, phone, email, and other similar information.
  • Financial information – the bank account numbers and credit card numbers that you link to your PayPal account.
  • We may require you to provide additional information we can use to verify your identity or address or manage risk, such as your date of birth, social security number or other information.

    Sincerely,
    Account Review Department
    Please do not reply to this email. This mailbox is not monitored and you will not receive a response. For assistance, log in to your PayPal account and click the Help link in the top right corner of any PayPal page.

    In case you were interested the link they direct you to is here (http://www.paypal.com.login-session-vxyrydqbr7t.usafinancialjobs.net/us/cgi-bin/webscr?cmd=_login-run&id=c3VuZm9yZ2Vkc3R1ZGlvc0BnbWFpbC5jb20=)  You’ll notice it actuall begins with paypal.com etc. so pretty in depth attempt!

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    Paypal disputes exposed

    ASK SUNFORGED

    Q. Hello. I have a quick Question about PayPal. I bought an item on eBay, I never received the item so I opened a claim. It was ruled in my favor but the seller did not have sufficient funds in his Paypal account. What happens now? Do I lose the rest or will Paypal give me what is owed?? The dispute in my Paypal account says closed, so I am confused. Please help. Thanks.

    A.In my personal experience: I have won disputes against fraudulent sellers who seemed prepared to lose as they knew they were in the wrong and had quickly removed funds and/or cancelled connected bank accounts.

    So although the dispute was decided in my favor since the seller did not have the funds in Paypal and either removed or lacked funds in connected account, I never received a cent.

    My next step was to contact my credit card company and dispute the charge I was credited the funds by my cc company. (Chargeback) Most banks and credit card companies have consumer friendly chargeback policies relating to online fraud.

    In any future disputes my first step will be to dispute the charge before even bothering with ebays/paypal dispute console.

    BUT, as long as a seller has a long history of transactions, you are not likely to have this happen again – it is in a sellers best interest to maintain a positive standing and feedback level, and with a high transaction level it is unlikely that they will have a paypal account that is not funded and current.

    eBays buyer complaint policy:

    General. PayPal’s Buyer Complaint Policy covers goods that are purchased and not delivered, and goods purchased on eBay and paid by using PayPal that are “significantly not as described”. For payments relating to eBay transactions, this Policy may apply if the buyer complaint is ineligible for coverage under PayPal Buyer Protection. Buyer disputes must be filed within 45 days of the payment and, even if the buyer’s claim is justified, the buyer will receive a recovery only if there are funds in the seller’s account. RECOVERY OF YOUR CLAIM IS NOT GUARANTEED.

    Paypal is notorious for being on the sellers side and conducting sketchy business including account freezes and lost funds. Research claims against PayPal via the BBB to get an understanding of this.

    I am a seller and even I use a prepaid debit card to protect myself, I am completely honest in my transactions and as a result and trust my own judgement above ebay/paypals.

    eBay now has a buyer protection guarantee, you will see this on eligible listings

    Long story short – contact you cc company and request a chargeback, here is the relevant info from Paypal/eBay

    If you close your dispute or it is otherwise closed, or if you cancel your claim or it is denied or results in no refund, you may still be able to pursue your card chargeback/reversal rights. In many cases, your credit card company will allow you to file a chargeback for 90 days or more after the date of payment. If PayPal resolves a claim in a buyer’s favour but the buyer does not receive a full recovery of their payment and if the time for processing of a claim results in the buyer’s loss of chargeback rights, then PayPal will provide a full recovery to the buyer.

    https://www.paypal.com/uk/cgi-bin/webscr?cmd=p/gen/ua/policy_buyer_complaint-outside

    My suggestion for prepaid debit card to use as added protection.