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PayPal states the Seller Protection Policy is "designed to protect sellers against claims by buyers of unauthorized payments and against claims of non-receipt of any merchandise".

In early , PayPal introduced an optional security key as an additional precaution against fraud. For convenience, the user may append the code generated by the hardware key to his or her password in the login screen.

This way he or she is not prompted for it on another page. This method is required for some services, such as when using PayPal through the eBay application on iPhone.

This two-factor authentication is intended to make it difficult for an account to be compromised by a malicious third party without access to the physical security key, although it does not prevent so-called Man in the Browser MITB attacks.

However, the user or malicious third party can alternatively authenticate by providing the credit card or bank account number listed on his or her account.

Thus the PayPal implementation does not offer the security of true two-factor authentication. As early as , PayPal had substantial problems with online fraud , especially international hackers who were hacking into PayPal accounts and transferring small amounts of money out of multiple accounts.

Standard solutions for merchant and banking fraud might use government criminal sanctions to pursue the fraudsters.

But with PayPal losing millions of dollars each month to fraud while experiencing difficulties with using the FBI to pursue cases of international fraud, PayPal developed a private solution: Rather than treating the problem of fraud as a legal problem , the company treated it as a risk management one.

In , , Spanish card holders had their funds frozen in an apparent fraud case involving a PayPal service provider, Younique Money, which was the de facto administrator of the cards.

As of March most funds had not been returned. These cards are provided by the corporation InComm. Funds can only be loaded to PayPal accounts, and are done so by scratching off silvering on the rear of the card to reveal a secure PIN.

Employees have taken PINs and loaded or traded them for their own purposes. Meanwhile, victims have their claims investigated by the company ITC Financial Licenses under InComm, with a very broken model which blames victims as participants in Victim Assisted Fraud.

A video reveals a PIN number being known before silvering has been scratched off, and the victim was able to trace the account one of the cards was loaded to back to a former InComm Database Administrator.

In , PayPal voluntarily ceased serving as a payment intermediary between gambling websites and their online customers.

At the time of this cessation, it was the largest payment processor for online gambling transactions. In , PayPal resumed accepting such transactions, but only in those countries where online gambling is legal, and only for sites which are properly licensed to operate in said jurisdictions.

If an account is subject to fraud or unauthorized use, PayPal puts the "Limited Access" designation on the account. PayPal has had several notable cases in which the company has frozen the account of users such as Richard Kyanka, owner of the website Something Awful , in September , [] Cryptome in March , [] [] [] or April Winchell , the owner of Regretsy, in December The account was reinstated, and PayPal apologized and donated to her cause.

Persson stated publicly that he had not received a clear explanation of why the account was frozen, and that PayPal was threatening to keep the money if they found anything wrong.

State Department deemed WikiLeaks activities as illegal. Online supporters and activists retaliated by subjecting PayPal and MasterCard, along with other companies, to coordinated cyber attacks.

In February PayPal unbanned the account of a website that supports Iraq War resisters after it had enough information to fulfill its know your customer guidelines.

The Chelsea Manning Support Network claimed the backdown was a reaction to a petition to the company to reinstate the account. In May , PayPal declined to pay a reward offered in its Bug Bounty Program [] to a year-old German student who discovered a cross-site scripting flaw on its site.

In August , entrepreneurs who had used PayPal to collect the funds they raised on crowdfunding platforms like Kickstarter and Indiegogo reported difficulty in being able to withdraw the money.

As of January , a class-action lawsuit against PayPal has been filed in Israel , [] claiming that they arbitrarily freeze accounts and hold funds for up to days without paying interest and thereby directly profit from it.

The lawsuit requests that PayPal be declared a monopoly and thus regulated accordingly. In May PayPal blocked the account of a Russian human rights organisation "RosUznik", which supported political prisoners arrested at Bolotnaya Square case.

In , PayPal generated controversy after it was discovered that one of its founders, Peter Thiel, had funded a lawsuit brought by Hulk Hogan against Gawker.

By , ConsumerAffairs had received over 1, consumer complaints relating to PayPal policies. PayPal cited United States regulations as a reason for flagging the transaction between Canadian entities.

They claimed his site has content that was hateful and discriminatory against certain religious groups. The two lawsuits were merged into one class action lawsuit In re: An informal settlement was reached in November , and a formal settlement was signed on June 11, PayPal denied any wrongdoing.

In June , Stamps. In a license agreement, Stamps. They sued, alleging illegal misappropriation of customer accounts and detailed their customer service experiences, including freezing deposited funds for up to days until disputes were resolved by PayPal.

The court ruled against PayPal, stating that "the User Agreement and arbitration clause are substantively unconscionable under California law.

The claimants accused PayPal of deliberately failing to notify its customers that ICC-Cal was illegally charging them for currency conversion fees.

PayPal which has yet to be ratified. As part of the settlement, the company agreed to change some of its policies.

It alleged that PayPal had promised discounts and payment options the consumers never received, and that users trying to sign up for the regular, non-credit, PayPal accounts were signed up for credit accounts instead.

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Liga season as runners-up and was promoted to the 2. Bundesliga II as the first team since the introduction of the 3. Liga to win promotion after only one season.

Before investing in Leipzig, Red Bull GmbH , led by co-owner Dietrich Mateschitz , searched three and a half years for a suitable location for an investment in German football.

The company made its first attempt to enter the German football scene in By advice from Franz Beckenbauer , a personal friend of Dietrich Mateschitz, the company decided to invest in Leipzig.

The company planned a takeover, with a change of team colours and of club name. Red Bull GmbH and the club were close to a deal, but the plans were vetoed by the DFB, who rejected the proposed new club name and feared too much influence from the company.

The company made contact with cult club FC St. Pauli , known for its left leaning supporters, and met representatives of the club to discuss a sponsor deal.

The supporters of FC St. Once it became clear to the Hamburg side that the company had plans far beyond conventional sponsoring, it immediately ended the contact, and the question never even made it to the club management.

Negotiations began behind closed doors, but the club was not interested in an investment and ended the contact. The plans were immediately met with wild protests from club supporters.

The statutes of the DFB did not allow a change of club name for advertising purposes or an external investor to obtain a majority of votes. Leipzig was considered a most favorable place for an investment.

The potential for establishing a new club in Leipzig seemed huge. The city had a rich history in football, being the meeting place for the founding of the DFB and the home of the first German national football champions, VfB Leipzig.

The current state of football was, however, poor. No team from the city had played in the Bundesliga since , [22] and no team had played in a professional league since The city thus had a considerable economic strength and fan potential.

At the same time, there were no Bundesliga clubs within a wide area from the city, which further strengthened the possibility to attract sponsors and fans.

In Leipzig, exemplary infrastructure could also be found. The city had a large airport, motorway connections and most importantly: An investment in a club playing in one of the top divisions in Germany would have been a costly affair.

From previous experiences, the company knew that the existing traditions of such club would be a disadvantage. Such investment would thus be risky.

A new established club would need teams and a playing right. If it did not acquire a playing right from another club, it would have to start in the Kreisklasse.

All seven founding members were either employees or agents of Red Bull GmbH. The statutes of the DFB would not allow a player agent to be involved in the operating affairs of a club.

The statutes of the DFB would not permit the corporate name to be included in the club name. But through the use of the initials "RB", which corresponds to the initials of the company, [4] the corporate identity could still be recognized.

RB Leipzig would need at least four junior teams, including an A-junior team, to finally obtain the playing right. The club was again in financial difficulties and could no longer finance its youth department.

The plans were however that the first team would quickly move to the far larger Zentralstadion, [14] hopefully in , after an advance to the Regionalliga.

He was eager to find a strong tenant for the stadium, which last saw FC Sachsen Leipzig play in the Regionalliga behind closed doors. Red Bull GmbH reserved the naming right to the stadium in June , meaning that the name could not be sold to anyone else.

On its founding, RB Leipzig aimed to play first division Bundesliga football within eight years. After some previously scheduled games had to be canceled due to safety concerns, RB Leipzig played its first match on 10 July , a friendly match against the Landesliga club SV Bannewitz.

After switching sides, RB Leipzig played as the home team and won the match 5—0. The match ended 1—1. During the further course of the season, RB Leipzig suffered its first defeat on 13 September , in a match against Budissa Bautzen.

Despite minor setbacks, the club still managed to be crowned as Herbstmeister , standing at first place after the first half of the —10 season.

The team came back even stronger for the second half of the season, having signed the experienced midfielder and 2. The team finished the season with an impressive goal difference of 74—17, having suffered only two defeats.

The incumbent chairman, Andreas Saldo, left the club in January [50] and the position was assumed by the former Hamburger SV sporting director and incumbent sporting director for the common Red Bull football commitment Dietmar Beiersdorfer.

According to the new strategy, RB Leipzig was going to represent the key project in the football commitment of the company, in place of FC Red Bull Salzburg.

Before entry to the Regionalliga, there were two significant changes in the club. In order to replace the reserve team, the club adopted the first team of ESV Delitzsch as its reserve team and purchased its playing right for the Bezirksliga Leipzig.

The match ended with a 1—2 loss for RB Leipzig. The first win came at the 4th matchday, in an away match against Holstein Kiel , which ended 1—2 for RB Leipzig.

The first home win came immediately after, at the 5th matchday, in a match against 1. After a moderate start to the season, the club found itself chasing Chemnitzer FC , which was considered a possible candidate for promotion.

At the end of the year, RB Leipzig confirmed its ambitions to gain promotion, by signing Brazilian midfielder Thiago Rockenbach.

The club finished its first season in the Regionalliga in 4th place, thus missing out on promotion. By winning the —11 Saxony Cup, the club won its first title in club history.

It also qualified to participate in the —12 DFB-Pokal. Because the club missed out on promotion during the second half of the —11 season, Peter Pacult from Rapid Wien was announced as the new head coach for the —12 season on 4 May Almost simultaneously, the club announced that sporting director Thomas Linke had been released from his position, having been employed for only 10 weeks, from February Various media suspected a connection between the signing of Pacult and the departure of Linke.

Hertzsch ended his professional career after the —11 season, but went on to join the reserve team, RB Leipzig II, and the RB Leipzig business operation.

The team managed to knock Bundesliga club VfL Wolfsburg out of the first round of the cup, beating them 3—2 after a hat-trick by Daniel Frahn.

The —13 season in the reformed Regionalliga Nordost began with major personnel changes. Former Schalke 04 head coach Ralf Rangnick was introduced as the new sporting director.

The club won the Herbstmeister title with two matchdays left of the first half of the season, after defeating FSV Zwickau with 1—0 away.

The team then went on to secure first place in the —13 Regionalliga Nordost at the 18th matchday, after the second placed club FC Carl Zeiss Jena lost a match against Berliner AK 07 on 7 May and, as a consequence, were no longer able to overtake RB.

The —13 Saxony Cup was another success. The club reached the final for the second time in club history and, as in , the opponent was Chemnitzer FC.

The team won the final on 15 May by 4—2 in front of 16, spectators at the Red Bull Arena. The crowd number set a new record for a Saxony Cup final, breaking the previous record from As the winner of the —13 Regionallig Nordost, RB Leipzig won a place in the qualification for the 3.

The club was drawn against Sportfreunde Lotte from the Regionalliga West. RB Leipzig won the first leg on 29 May by 2—0. The match was played at the Red Bull Arena in front of 30, spectators, a crowd number which set a new record for matches in the 4th division.

The second leg was played on 2 June and ended 2—2 after two goals to RB Leipzig during extra time. The result meant that RB Leipzig had finally won promotion to the 3.

Liga, after three seasons in the Regionalliga. In the —14 season , RB Leipzig made its first appearance in the 3. Liga in club history.

The defeat brought an end to a year-long series without defeat in competitive matches. Liga had a more promising start.

The team won its first match, against Hallescher FC away, by 1—0 on 19 July and kept an undefeated streak until 31 August , when the team lost 1—2 to first placed team SV Wehen Wiesbaden away.

On 5 October , RB Leipzig again met the first placed team. SV Wehen Wiesbaden had lost its first-place position to 1. FC Heidenheim would defend it until the end of the season.

RB Leipzig defeated 1. FC Heidenheim by 2—0 after a convincing performance at the Voith-Arena and climbed to third place.

After losing 1—2 away to MSV Duisburg on 1 February , the team would not concede a single defeat for the rest of the season. A thrilling duel with SV Darmstadt 98 appeared, with both teams fighting for the crucial second place.

The two teams met at the 35th matchday, on 19 April Bundesliga two weeks later, after defeating last placed team 1. The crowd of 42, spectators set a new club record.

By finishing the season in second place, RB Leipzig won promotion to the 2. Bundesliga and became the first team since the introduction of the 3.

Liga to win promotion to the 2. Bundesliga after only one season. Following promotion to the 2. Bundesliga season , but only under certain conditions.

RB Leipzig filed an appeal on 30 April The appeal was rejected in a second decision by the DFL on 8 May He described the requirements as a " decapitation request" and categorically rejected another season in the 3.

Liga, ultimately threatening to end the project in Leipzig if the license was not given. RB Leipzig filed a second appeal on 12 May The compromise meant that the club had to redesign its crest and ensure that club management was independent from Red Bull GmbH.

Several players also left the team. The club spent an estimated sum of approximately 12 million euros on new players during the summer of The sum was large enough to put the club in 8th place of all clubs in the Bundesliga and 2.

Bundesliga, thus spending more than half of all clubs in the first division. RB Leipzig played a series of friendly matches during the —15 pre-season.

The first goal was scored by Terrence Boyd, scoring his second goal in his second match for his new club. Both goals were scored by Yussuf Poulsen.

Bundesliga season began with 0—0 draw against VfR Aalen on 2 August , followed up by a couple of wins and another draw.

The first defeat in the league came at the 6th matchday, losing 1—2 against 1. After the 7th matchday, the club stood at second place in the league.

The team won the match with 3—1 on extra time at the Red Bull Arena on 29 October , and qualified for the round of 16 for first time in club history.

RB Leipzig released its own club magazine Klub on 6 October After a series of disappointing results, the club had dropped down to a 7th place by the 13th matchday.

Pauli with 4—1 in front of 38, spectators at the Red Bull Arena. Two goals were scored by Terrence Boyd and the club climbed to a 5th place. The success, however, was followed by a draw against SV Sandhausen.

On 7 December , the team met first placed team FC Ingolstadt. RB Leipzig lost 0—1, and the result meant that the club now stood at 8th place. The club spent an estimated sum of 10,7 million euros on new players during the winter break, a sum which covered almost all transfer expenditures during the period for the whole of 2.

On 6 February , the club lost 2—0 to Erzgebirge Aue. As consequence, the club had now played four matches without a win and had lost contact with the top placed teams.

On the following Tuesday evening, the club summoned Alexander Zorninger to a meeting, and on Tuesday night, the club took the decision to walk separate ways with him after the season.

Already on the next morning, Alexander Zorniger announced his own decision to leave immediately. The club received criticism for its decision.

Under Alexander Zorniger, the club had risen from the Regionalliga to the 2. The decision was considered merciless by some media.

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