I have a selling account, had it for 20 years, ..eBay now want Photo ID?

[j-r-hartley]

Had an selling account for 20 years (this isnt it) I'm a UK seller,  haven't sold a great deal, feedback is still under 1000,  last year after about a year of not using the account I started to sell again, not a lot but eBay first treated me like I hadn't been a member for 20 years and insisted on holding some of the sales (low value s/h items) until I confirmed my bank account (which i'd done a couple of years prior). they wanted to send me a certain amount and I was to confirm etc, they also restricted the value of the items I could sell so I had to ask them via live chat to up the limits or a car I was selling would not list etc, in the end after a few sales things seemed to correct themselves and I was paid straight away for items>

Roll on to may 2024, I've sold a few items over the months, in the last 2 weeks i've sold an item at £225 and one at £125, both collection only, both items have had no problems and i have a couple more items listed. Not electrical goods or high value items etc.  just normal stuff, some new and unused, most second hand and used etc

So today I logged on, I get a pop up stating they wanted me to ID myself, this would be in the form of a driving licence, passport or govt ID...and oh by the way any transactions are held until I comply?   

I don't sell high value / high risk items, I have 100% feedback,  I've had zero returns , my bank account is verified, they have my email address (verified with them some time ago, they send me emails re items listed or sold, email has notnot changed) they send me texts to my phone re delivery notices if i've bought something to collect, my physical address has not changed in all the time i've had the selling account.

and now they want the ID from me, no warning, no time schedule to complete but simply comply and until I do any funds are to be held over.

Furthermore, they want the ID but don't actually tell me where it will be stored, who will have access to it and such like all of which seems very wrong.

Anyone else had this?

[fear-is-the-mind-ki11er]

Some so happy with the thought of serfdom Hegel dialectic problem,reaction, solution,  maybe look into norm chomski manufacturing consent...thay crate fear porn so the serf demand something be done to inslave them self's the future generations will be china based system track and traced in a digital prison ...

[cobwebcottage]

And some may close their eyes and cover their ears and pretend everything is rosy in the world, until it directly affects you. 

[fear-is-the-mind-ki11er]

And some do not look at the bigger picture that there being played don't bother to research and believe everything hear on the main stream media us true ....

[cobwebcottage]

And some of us have served our country and know first hand what it is like on the front line.

[fear-is-the-mind-ki11er]

So you was part of there agenda following orders weather thay were right or wrong ....Well what exactly did you fight for? The rich bankers To gain more land? 

[cobwebcottage]

My conversation with you has now finished as we live in different worlds.

Have a happy life.

[fear-is-the-mind-ki11er]

Yea we live in different worlds...  as a soldier you was supose to fight for FREEDOM of the peoples that you are happy to get taken away for future generation we have had our life's but the future kids will not be free look into the China credit system and see if that's the freedom you would hope for

[kh-david.f]

Ok, this thread seems to be getting off-track. Let's keep this focused on eBay's Photo ID policy. Personal attacks towards other members won't be tolerated.

[cobwebcottage]

For reference, I have never served in the Army although I have great respect for those who do and have served. That said, last post on this thread.

[fear-is-the-mind-ki11er]

FREEDOM............ not serfdom 

[leighbayuk]

Agreed. It was an interesting discussion on security versus privacy. But in this case, uploading government issued photo ID to eBay is not going to make the World a safer place. It will however increase the risk of identify fraud.

[insidethe93]

leighbayuk wrote: "But in this case, uploading government issued photo ID to eBay is not going to make the World a safer place. It will however increase the risk of identify fraud."

Good point. When you have to provide photo ID, physically or digitally, to banks, insurers, councils,  etc. they at least are regulated by the FCA. Is eBay regulated by the FCA? to the same degree? At the very least, does eBay explain how they'd keep your photo ID secure? for instance, who within eBay has access to it, how it's stored or shouldn't they delete it after verification? Let's not forget eBay is merely a shopping platform.

[papso22]

Ebay is regulated by, and registered with, the FCA as a payment handling institution, 

[jeethee_0]

I read somewhere the threshold they use to trigger them asking for I.D. is 30 items a year or £7000.

I agree with the £7k as a trigger but not 30items. 30items could easily be low value to not exceed 7k.

[4_bathrooms]

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@jeethee_0 wrote:

I read somewhere the threshold they use to trigger them asking for I.D. is 30 items a year or £7000.

 You're confusing the money laundering regulations - which is what this thread is about - with the digital sales reporting regulations. The latter has a legally defined threshold of 30 items and/or €2,000 (currently approx. £1,760) in a calendar year at which point eBay is obliged to request the seller's tax identifier (NINO or UTR).

The money laundering regulations' "know your customer" due diligence requirements require eBay to verify a seller's identity under certain circumstances. eBay has never published the threshold they use for new sellers but if certain details of an existing seller change (such as their name, address or financial details) the KYC checks will kick in even if the seller has previously verified their identity.

[leighbayuk]

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@jeethee_0 wrote:

I read somewhere the threshold they use to trigger them asking for I.D. is 30 items a year or £7000.

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I have 40 orders (last one three weeks ago) and just a little over £2K (clear out before moving house).

The photo ID request and account freeze came in minutes after changing my address. Thankfully my balance is £0.

I'll report back if/when I receive a response from eBay's DPO.

[patay-9714]

my trigger request came when i wanted to remove an expired debit card , bank account sort code address not even changing, i only sold a very few low value items , nothing whatsoever should have been triggered , my debit card had simply expired , surely the system can be less petty in what gets flagged , if you sell hundreds of Rolex watches from a PO Box is one thing selling some second hand furniture does not make you a terrorist, or a money launderer , although our dats is already all over the place I am sick of constatnly being asked for it , its gone too far and needs to be reversed, would be interested to know if ebay is suffering a revenue decline as some people think enough is enough 

[leighbayuk]

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@4_bathrooms wrote:

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The money laundering regulations' "know your customer" due diligence requirements require eBay to verify a seller's identity under certain circumstances. eBay has never published the threshold they use for new sellers but if certain details of an existing seller change (such as their name, address or financial details) the KYC checks will kick in even if the seller has previously verified their identity.

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Some useful info in that link. Most of the reasons relate to business relationships and larger scale transactions. Of the possible reasons the only one that could potentially apply is:

• when you have doubts about a customer’s identification information

But then they have verified bank account, credit card, phone number, NI number, etc. Seems overkill to me.

[4_bathrooms]

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@leighbayuk wrote:

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Some useful info in that link. Most of the reasons relate to business relationships 

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As per the guidance:

"A business relationship is one that you enter into with a customer where both of you expect that the relationship will be ongoing. It can be a formal or an informal arrangement."

A "business relationship" means an ongoing B2B or B2C relationship.

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@leighbayuk wrote:

Of the possible reasons the only one that could potentially apply is:

• when you have doubts about a customer’s identification information

But then they have verified bank account, credit card, phone number, NI number, etc. Seems overkill to me.

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Also:

"when it’s necessary for existing customers — for example, if their circumstances change"

Note that because you're not physically present when eBay carries out identification checks they must carry out "enhanced due diligence" checks. If you make any changes to your name, address or financial information the KYC checks will automatically kick in again. Another reason would be if your selling pattern suddenly changed; i.e. you went from an average of £1,000 in sales per month to £5,000. That said, I've only known eBay to perform KYC checks against business sellers in the latter scenario.    

[insidethe93]

papso22 wrote: "Ebay is regulated by, and registered with, the FCA as a payment handling institution."

Thanks, but that's just part of the story.

A quick google including looking up fca.org indicates that the FCA's oversight over eBay UK is mostly restricted to payment services (as per papso22) but not to marketplace operations nor to consumer protection outside financial transactions.

Major areas where the FCA doesn't regulate eBay include age verification checks for restricted goods, product safety, data protection (I hope/believe that's regulated by the ICO), and general marketplace. So I ask again: does eBay explain how they'd keep photo ID secure? for instance, who within eBay has access to it, how is it stored? Shouldn't they delete it after verification - do they? as it seems so far that eBay can and does basically whatever they alone see fit. Info and transparency from eBay on this subject could perhaps allay a lot of customer concern.