Are Lindens playing with us?

Why are Lindens keep flagging me as fraud risk by RiskAPI?

I was flagged in september for a week, then since november 20th i've been flagged until yesterday, i was able to make 2 transactions ti SLExchange then today i'm flagged again...

A Linden (Can i put the name?) in many support tickets told me to put payment info on file and use it to lower the risk. I've put payment, i bought some L$...

result? I'm flagged again!

I've done nothing wrong! I've sold some products, I've camped around, I've not frauded anybody... but my transactions keep being cancelled because i fail the RiskAPI:



I've opened many support tickets, them took me anywere, Lindens are preventing me from have business for "some" reason, but they won't tell me which are these reason!

As i said, i've not done anything against TOS or common rules, I've not stolen money to anybody, I've not got so big business... i'd just like to exchange 20000 L$... i'm wondering if big land baroon have the same issues or if them have a preferred way since them pay high tiers..

I'm not asking to fix the issue instantly, i'm not even ask to fix the issue, i'm asking to anybody knows something, WHAT CAN I HAVE DONE WRONG! I can't be a frauder if them won't even tell me what had i done wrong!

PLEASE HELP!!!!

Same situation here, since yesteday i'm flagged again too.
It's ridicolous, i wonder what did we do (me and you) yesterday to be flagged again.
As you, i used payment info too, but situation doesn't change.
I'm really bored about this, i'm really bored about the fact that linden labs doesn't answer to our questions about the problem.
The reason? I think they have NOT answers to give us.
They randomly flag people, it's impossible that 2 users are flagged at the SAME DAY without any reason.
So, what now? Do they want to make us really angry and give up everything?
I've no explanation about this. No one has, so Linden Labs.

All i can find about RiskAPI is a bug on jira:

http://jira.secondlife.com/browse/MISC-33

Look the last comment by Apotheus Silverman (still no names rule? it's on the jira...)

Maybe it's really random!

Granted, it's not a lot, but if you were a petty thief who liked to siphon off small amounts from stolen credit cards, 20k is a good bit of cash. Are you buying any L from unapproved third party sources like eBay? Can you lay out the exact flow of your L? Do you own any land? What are you selling that is going to give you 20k that you need to sell?

I have payment info since 1 week ago, i've add it because a linden that works in the fraud buster team, with the name of 4 chars, told me to put for lower my risk probability, until that date i was fraud risk flagged but i had no payment info, so no credit card... even now i've used paypal, not directly the credit card with LL.

...and anyway, if i've stolen any amount, even just 1L$ from a credit card, why lindens are not saying me the reason? they told me to put payment and wait... but what should i wait? is LL going out of business and them don't want me to withdraw money?

edit: i read your post too quicky...
this is the missed part:

I made some products, you can find them on SLExchange, search for my nickname... i don't want to spam, this is not a post for promote my products.

About the money: i haven't bought money from anywhere nor eBay nor anything, just 319L$ for make system to say "payment info used", and i have the full transaction history of the money i have, part from camping and part from customers...

It can take up to fourteen days for the payment info to properly process. *shrugs* Beyond that I have no clue why this keeps happening to you. Unless, you've hit the fixed limit in some way? (Which I didn't think applied to SLExchange, but...)

Maybe i've reached some limit, but, for god's shake, why don't Lindens tell me what's wrong? I can't know if there are limits... they wants to keep secrets on the RiskAPI algorithms, but they can't flag ppl as FRAUDER if they don't have an evidence... when will them apply the "minority report"'s Pre-Crime???

You need to speak to someone competent in billing. Be aware that SLX also uses the RiskAPI, so it explains why you'd be stuck on SLX too.

20k is stiff for a young player who probably owns no land and sells a few modestly priced gadgets. As the gadgets haven't been reviewed yet, I don't think sales have been brisk enough to warrant cashing out 20k. Look, I'm not saying you're doing anything wrong, but you have to step back and look it it from their perspective. What do you need 20k for? It's not tier. And you probably haven't made it camping with that one avatar. With maybe a few sales on SLX, the question surrounds the 20k - if it's not transparent what is likely to happen with the money, then it's going to set off a flag.

I've camped and i'm still camping with this avatar (and since new search... i'll camp always less... but this is another tale), i have the transaction history since my 1st L$ was earned, LL has that history too... they can see whatever i've done, in september i got this answer to the 20th ticket i'd opened:



some days ago i've got this answer:



now that i'd put the payment info, i have to wait... but i'm tired to wait and be considered a frauder by SLX team, even if them at least had noticed that flagged transactions are increased from 2-3% to 30% as we can see in the jira link... i'm just wondering where are all these flagged ppl like me...

Sorry, I don't mean to laugh at your situation, but this struck me as funny:



Little Linden sarcasm, I'm thinking....

LOL... yes... maybe because i'd opened at leat 10 tickets... now i'd opened just one... and i've got nothing like last time...


I'm just wondering how can banks fraud ppl and withdraw millions of L$ while i can't even withdraw small amounts (moreover made not by frauding pps but just working or camping)... maybe them are smarter than me to avoid the api....

And you're opening lots of support tickets and contacting them daily because you're in a hurry to cash out that L$20k or because you just want to look like you're in a hurry?

Hey Jack, question... Have you ever had a large CC payment held up more than two days? Have you ever had CC debt that you haven't paid off? Have you ever filed bankrupcy because of unpaid CC bills? Has your credit rating droped to an all time low because of filling out too many applicatins for credit cards recently? Have you ever had your CC or its information stolen? Do you have a history of over drafts on your check card with a major CC company logo on it? Have you made any VERY LARGE transctions on the card rcently? Does your bank have transaction size limitations on your card? Have you attempted to make a DUPLICATE transaction with LL?

There are aproximately 120 questions of this sort to ask, and not enough room to put them in this post; but if you can answer yes to any of the ones I asked then... BINGO.

But after looking at everything said here, it looks like something else...
Something good to know is that LL puts all new accounts on a spending limit for a time period, and you are in that time period. If you tried to make a large transaction with LL and exceed the limit, you will be flagged...So is that what happened ? If so, then GET IN LINE LIKE EVERYBODY ELSE...we all went throught the buy and sell limits when we first joined...Your profile says you joined in Dec 2007 but you mentioned transactions dating back from before then, so this JackJack is a new Alt? It does not matter if you are using the same card for the new alt or not, the new alt will have to wait out his time frame...

it was on september, since them i was already able to withdraw some money, and now it's all return as it was... if i would have frauded anybody, why would i still use the same account after a withdrawal? and if i would fraud ppl from now to go, why would i still use the same account?

I opened the tickets because i want to understand... i asked them to tell me what's wrong, and them told me: nothing! but never unflagged me... this is why i opened more that one ticket... what would you do if, while you work, rl work, your office phone get locked by your company saying "you may have used it for illicit purposes, and you know u've not used it, and your boss won't tell you why that choose?

You need to get it straight in your head that they are not going to tell you exactly how to fix it, but you need to cool your jets a bit. You want to make a large transaction and you do not appear invested enough in the game to justify it. You have the use of the LindeX, apparently, so you need to work within the published billing limits.

The 1st time i was flagged, i had no payment info, and i have (currently) no CC, just a prepaid debit card (visa electron), so i can't have not paid a CC bill, All transaction i've made on ANY CC are: +5€ (charded when bought) and -1.5€ (charged by paypal to verify my account).

I've not had any rejected checks, i've not used any CC on the net before of paypal verify, i've got some money from slx to paypal (not even withdrawed form there, to be true... i'm waiting a better USD/EUR exchange rate), so the answer is NO to all your questions...

Limits are still 0 for me since i've added payment info less than a week ago... SLX exchange rates are usually better than LindeX, and again, why should them flag me? because i have a basic account? so the more they earn, the more an avatar can fraud without being flagged?

I hoped to see in a freedom i can't see in rl... but it's all the same s***......

I see why you got the response that you did from LL. You don't get it. You are not entitled to know the exact algorithm. You aren't going to get a complete explanation. Period.

Ever.

Never ever.

And as i already told you, SLX USES THE SAME RISK API.

Stop stomping on the gas pedal to get this large transaction done. Unless you were buying a large tract of land inworld, you probably don't need it and need to chill out until the review is finished and the flag is lifted.

Cristalle, i'm in the same situation as JackJack, exactly the same.
Yesterday i was flagged again, and my limits are not 0 with linden labs. (between 2-13 days now).
Today i've tried to deposit on slx 1500 and i've discovered i've been flagged again.
What do you mean by "large transaction"?
Do you really think that L$ 1500 (5 bucks) is a LARGE transaction?
What if i sell something and they pay me L$ 150.000?
JackJack and me, last time, flagged the same day and unflagged the same day.
Don't you think something is weird?

Sell or buy limits? Sell limits take two weeks from your first transaction with LL to increase.

Burn, I understand that it's a little over-aggressive and that normal people are getting burned (pun intended ) by getting their accounts flagged.

But JackJack spoke of needing to exchange 20,000 L. 20K. That is huge for someone who is not premium, does not own land, camps for SLiving, and may have a few modest sales on SLX.

I don't think $1500 is large, but I have no idea why you are getting flagged.

It may be that a customer you are dealing with is under legitimate scrutiny and gave you tainted or questionable cash. I don't know, but there are plenty of reasons why it could happen. The thing is that you need to be patient.

I got a huge billing status boost when I bought a sim. I was what, 4 months old in SL? But it's clear why I would need a billing increase - I was parting with $2k of my real money. And I also shuffled money between myself and my noobie alt - but I had tried to register my alt so it should have been clear what I was using it for, and the alt never got flagged. I'm just saying - where it is pretty clear that the large sums of real cash are being used for legitimate purposes, it is going to be easier to get a bump in your limits to do business.

Forum join date and SL join date do not have to be the same. I didn't put my CC on record at first, so I was not payment info or whatever the term was, and therefore could not access the SL Forum at first. Then I added the card. It shows me as having joined in August 2007 in the forums, but if you look inside SL you will see that I joined in July 2007 - as Lexxi.

On the other hand, if you already know this and are going off of inside SL profile date, then sorry.

Jack, I would have loved to check if the updated payment info has actually made it into your profile yet, since LL sometimes has trouble updating the info inworld. Sadly, I couldn't since "the resident has chosen to hide his profile from search". Also, there have been known problems between Paypal and LL lately. How is your Paypal account funded? Just by your bank account or with a credit card, too? LL only accepts the latter, as far as I know.

Out of interest, how did you manage to cash out before if you didn't have any payment info on file? That is not possible. (So yes, there is a reason you were told to add payment info.)

And lastly, not a single bank would ever tell you exactly WHY they consider you a security risk and/or not trustworthy enough, for instance if you were applying for a credit. So just stop expecting an answer in this cas.

can you find anywhere (tos, common rules, online, offline, inworld, off-world.....) but written which limits does SL impose about transfer money to SLX? there is nothing pubilcally available, so i'm right to suppose there are no limits, how much could i have paid (deposited) to SLX while i had no payment info on file? If you can give me a link to a page where there is that limit, you'll have me stop from talk, but since there are no written limits, how can I know how much is a large transaction? how much can i transfer per day? and per month? Why Lindex have written limits and 3thy party are limited but nothing is wrote? what does LL is scared about?

That's what I basically said, but the OP seems in an all fire hurry to cash out. Which, of course, is going to look very very bad to the RISKAPI and Linden Labs.

Besides, it's not like we can help the person on this. Not really, since none of us can flip the switch that says, "Here's your money!" We can offer suggestions, which are, wait the fourteen business days, then try to sell the L or open a support ticket.

Since the latter apparently didn't work, maybe the OP should try waiting the 14 business days before submitting another support ticket? It was fourteen days for me, before I could sell and that was AFTER I had upgraded to premium (which is the payment to LL part). The trade limit is 0 until then.

Once there was this thing that your trading limit would reset to the 0 when you changed the payment info for any reason. I don't know if this is the case or not any more. All I can recommend is waiting the 14 days/2 weeks before trying to sell or submit a support ticket.



https://secure-web17.secondlife.com/currency/describe-limits.php