I haven't done MS in the past, because I haven't needed to. But now I need to do some. I've spent a few hours reading through a lot of this thread (and a few others), and am wondering how safe I am with doing just simple transfers of $1K per month from me to my wife.

Different last names
Different addresses
Different CCs
Different Banks
Different IP Addresses

Would only be transfering one-way from me to her.

Based on what I'm seeing, this should be pretty safe, correct?

It's cracking down...

Was that an email?

Can you give us any details? How many accounts do you have? How long have you been doing it etc?

Yeah, did you use multiple SSN's, names etc?

Got the same message today, unfortunately they didn't give me the option of withdrawing the money from the second account before suspending it :(. So now I'm off to fight to get my money out.

Stats for the curious: two SSN's, two bank accounts, two credit cards, one address, same last name.

Any advice for speeding up getting money out of a suspended account would be helpful.

Any details on how long your accounts were open etc etc?
I'm setting myself up for failure using these AMEX cards... :td:

What was your pattern? Was it just A to B, or was it A to B to A? Or were there other parties involved?

I use them all of the time; just drained 5 $100 cards the other day. Like many things, I doubt that's sufficient for a shut down.

If you're doing other shady stuff... it probably doesn't help you.

Why would they say you have multiple accounts if its registered to two different people?

Same address with same last name?

Particularly, if the accounts were sending money back and forth.

Still, I mean is it against TOS to transfer money between a household family member? I would call and see if maybe they can reinstate/explain.

This is strange. I had 3 accounts under my SSN and noticed that my third got suspended. I used to do A-B-C-A for about 2 months or so. I noticed the suspension when I tried to do C-A and it said such features have been disabled. Also I did not get an email. Just tried to transfer a small amount of my existing balance from A-B and it went through.

All had different bank accounts. Used to transfer different amounts.

First account opened probably a year ago, not related to MS. Opened second account two months ago specifically to start MS - I may have even asked a question in this thread about it. First month A -> B only. Second month again did A -> B, but added a $218 B -> A transfer just to zero out a specific card.

As for the money stuck in A, sent an email yesterday morning and got no response. This morning I called and was told that the rep could see my email and since it had been 24 hours with no response she would escalate. So now waiting another 48 business hours to see what comes of it. Thank goodness it's nothing I can't float easily!

Another question - AP still only blocks you by email address correct? I can set up new accounts in a few weeks once I get my money back and try to stay under the radar this time?

And NEVER do A>B, and then switch and do B>A. I have been doing A>B for about a year. Keeping it small. Using it to offload random GCs that don't can't drain otherwise, etc. Knock on wood haven't had any issues.

I employ other practices like others of using 1 phone (wifi turned off) to send money, and then any other computer/phone/work network to offload to bank account. But I never log into A account with anything but that one phone on a mobile network.