Hi guys, I got an LLC through incorporate.com and just got a business checking account through Bank of America for my company. I've gotten banned a few times from facebook already for stupid shit and want to get back into it. Due to my card being banned I was wondering if I am allowed to get a debit card through Bank of America in a friend's name and address even if they don't belong to my company (it would just be for facebook use). If I can't do this, what is another way to get new cards in someone else's name, I can't get credit cards due to my credit score being bad from previous stupidities. Let me know.
LLC Question
- Thread starter Blinkmasta
- Start date
I got a business debit card and a personal debit card when I first got an account at Bank of America. I can't put these into facebook however, it always says "Sorry, we were unable to process your order at this time." I'm guessing it's probably because they banned my name which are on both cards. I've already tried e-mailing aj at facebook, no response. I've also tried IMing matt hogle, he responds, but as soon as I ask why I can't put my cards I can't get another response.
Well if that were the case, then if one John Smith got banned from Facebook, all other John Smith's would be fucked...so I don't think that's your problem. If your business account and personal account are two separate entities you shouldn't have an issue with using your business account. Have you used anything else that is the same? Same email? Same address? Those things could screw you. But given that names are not unique, that isn't your problem.
Dude, just get a new cc number from your bank. You can request a new number, not just the new card.
And when placing your campaign order, enter the same street number and zip code for your address, but use different info for everything else.
1234 Dumbass Ave
Shitville, XX 12345
and
1234 Fuckstick St.
Morontown, YY 12345
are exactly the same as far as AVS goes.
So even if they do address verification when validating cc charges, it will still go through.
And when placing your campaign order, enter the same street number and zip code for your address, but use different info for everything else.
1234 Dumbass Ave
Shitville, XX 12345
and
1234 Fuckstick St.
Morontown, YY 12345
are exactly the same as far as AVS goes.
So even if they do address verification when validating cc charges, it will still go through.
ya dude, you can give anyone you want a debit card in the business name.
you can usually call and request an additional card for yourself or someone else.
you could even add them as a signer on the account (this is probably a retarded idea...but you could). its your company, typically the banks are happy to accommodate you.
also, how was your experience with incorporate.com? may i ask what you paid for it? how long did it take you to receive your filed articles of organization?
What the hell is AVS?
And doesn't FB use the same system Google does? Surely they look at the physical address your card is under, don't they?
AVS is address verification service (system) used in cc processing.
It works by checking the first 5 digits of the street number and the first five (or nine) digits of the zip code.
AVS doesn't actually check the entire address. It returns a letter code based on just the numbers contained in your billing address info. Merchants use the code to decide whether to accept or to reject the charge (assuming it's not declined for other reasons).
It doesn't matter what FB or Google or Mega Fucking Shit Inc. uses. That's how bankcard authorization works. And that's how an non-bankcard cards (like Amex and Disc) work as well.
The only way for a merchant to confirm your entire address is to call the issuing bank, identify themselves as a merchant, read the customer's address to the bank's rep and ask the rep to confirm if it's a match or not.
But I doubt they would ever bother to call your bank over your campaign.
So basically I live at:
512 Flower Ave
Springfield, NH 12323
I can get my friend a debit card through my business' bank that lives at
245 Cross Street
Springfield, NH 12323
If that's the case, FB here I come! FB must have banned at least my street address then since I can't put in my business debit card as a funding source since the billing for it is my original address I used a while ago when I got banned.
ssandaltan:
Incorporate.com was recommended to me by a couple of people and so far has turned out to be good. It cost $665 for everything for a New York state LLC, can't remember how long it took to get the filed articles of organization, I don't think it was very long though. This is what I got in my LLC:
512 Flower Ave
Springfield, NH 12323
I can get my friend a debit card through my business' bank that lives at
245 Cross Street
Springfield, NH 12323
If that's the case, FB here I come! FB must have banned at least my street address then since I can't put in my business debit card as a funding source since the billing for it is my original address I used a while ago when I got banned.
ssandaltan:
Incorporate.com was recommended to me by a couple of people and so far has turned out to be good. It cost $665 for everything for a New York state LLC, can't remember how long it took to get the filed articles of organization, I don't think it was very long though. This is what I got in my LLC:
- Expedited Completion and Filing of the Articles of Formation
- My Account Online Service Tool and Alerts explaining Government & Legal Requirements for your Business
- 6 months of Registered Agent Service
- $50,000 Corporate Veil Guarantee
- Company Name Search & Reservation
- Unlimited Phone Support
- Subscription to Business Builder quarterly eNewsletter
- Review of Formation Documents
- Expedited Shipping via FedEx
- Additional 6 months of Registered Agent
- Your Limited Liability Company - An Operating Manual
- Compliance kit with Desk Embosser
- Obtain Federal Employer Identification Number (EIN)
- A Three Book Legal and Tax Reference Library
- TCC Priority Handling
Actually I believe bcc423 meant you need to keep the street and zip numbers the same, ie
512 Flower Ave
Springfield, NH 12323
and
512 Cross Street
Springfield, NH 12323
Might want to PM him to clarify.
Yes BCC's description of AVS is correct... Also they can screen out based on:
B Transaction was submitted without a billing address.
E AVS data provided is invalid or AVS is not allowed for the card type that was used.
R The AVS system was unavailable at the time of processing.
G The card issuing bank is of non-U.S. origin and does not support AVS.
U The address information for the cardholder is unavailable.
S The U.S. card issuing bank does not support AVS.
But, most providers don't screen for all of those, because they cause good cards to be declined.
Keep in mind they might still screen you based on Name, House Number and Zip Code. In other words if those 3 match they might have that as something to decline.
Also cards/transactions can be held for fraud for many reasons, such as:
Geographical IP address location checking
So in other words if you're in California but your card billing address says Rhode Island, that's one strike against you on the fraud. If you also use a known freely available email address, then that's two.
Keep in mind that Facebook might already have certain address numbers within your zip code flagged for review. I doubt they would go to that much trouble but I have no idea of the complexity of their system.
Best way to completely change it is:
- Different address (PMB maybe?)
- Different name
- Different credit card number
- Different zip code
- Different e-mail address
- Different IP address
- Erase all your cookies / cache
You'd be surprised but something as simple as a cookie CAN and WILL identify you as someone who was declined before. If you're super paranoid, log in on a clean box on a different internet connection. Also don't be stupid and go back to using a "contaminated" setup once you have gotten it to work. If they are tracking based on IP address then you need to get that changed.
B Transaction was submitted without a billing address.
E AVS data provided is invalid or AVS is not allowed for the card type that was used.
R The AVS system was unavailable at the time of processing.
G The card issuing bank is of non-U.S. origin and does not support AVS.
U The address information for the cardholder is unavailable.
S The U.S. card issuing bank does not support AVS.
But, most providers don't screen for all of those, because they cause good cards to be declined.
Keep in mind they might still screen you based on Name, House Number and Zip Code. In other words if those 3 match they might have that as something to decline.
Also cards/transactions can be held for fraud for many reasons, such as:
Geographical IP address location checking
- IP Country Match
- IP Country Value
- IP in High Risk Country
- Distance between IP and billing location
- IP Region Value
- IP City Value
- IP Latitude/Longitude
- IP ISP/Organization Value
- Anonymous Proxy
- Open Proxy
- Transparent Proxy
- Free E-mail
- Known Carder E-mail
- BIN Country Match
- BIN Name Match
- BIN Phone Match
- Phone prefix location check
- High-risk shipping address
- Known ship forwarding company addresses
So in other words if you're in California but your card billing address says Rhode Island, that's one strike against you on the fraud. If you also use a known freely available email address, then that's two.
Keep in mind that Facebook might already have certain address numbers within your zip code flagged for review. I doubt they would go to that much trouble but I have no idea of the complexity of their system.
Best way to completely change it is:
- Different address (PMB maybe?)
- Different name
- Different credit card number
- Different zip code
- Different e-mail address
- Different IP address
- Erase all your cookies / cache
You'd be surprised but something as simple as a cookie CAN and WILL identify you as someone who was declined before. If you're super paranoid, log in on a clean box on a different internet connection. Also don't be stupid and go back to using a "contaminated" setup once you have gotten it to work. If they are tracking based on IP address then you need to get that changed.
