Scams

The HALL of SHAME SCAM LIST

If you are here, SHAME on YOU!

I will not conduct further relations with ANYONE on this list.

You have dis-earned the AMERICAN PUBLICs trust.
I will Most certainly NOT give you another chance.
I will do everything in my LEGAL RIGHT to LEGALLY SANCTION your company or business if you are in this list.

The only way off this list is to correct the deficiencies, which can be publicly proven.

This list will be put into catergories (or a similar blog format) eventually.
You do not have to read the entire document.

LAWYERS:

	You can go to hell.

This information is from firsthand experience.
It is not slanderous whatsoever.

Businesses and NON PROFITS

(and partners or associates)

Everyone wants to go into business.
Business are HARD WORK. 3x the average work week.(no kidding….)
I have nothing against being in business-the problem is these companies MODUS OPERANDI.

Books,books,books,books,books…..taxes taxes taxes…..everything must be documented.
Filing paperwork with the city, county, state, federal(IRS)…

Internal documents needed for funding and etc. later on….
business plans, operating proceedures,etc.

The paperwork doesnt end.
I get it.

BUT SCREW CONSUMERS- and YOURE DONE!

Do NOT BE FOOLED into rushing into anything business related.
ITS A CON.

I dont care if you are 20 or 90.
ITS A CON.

These people will do nothing but take your money and run to the hills.
Its not legal, and they dont care.
They will get away with it.
Law enforcement has better things to deal with.

Im not saying dont TRY, dont go into business, dont start a foundation or a non-profit.
Im saying DO IT RIGHT. FIND GOOD PARTNERS. INVEST EQUALLY or CLOSE UP SHOP.

DO NOT be someones silent partner(bank), without written ability and proof that you can get your money back because either way you are taking a LOSS until it IS repaid. (you might NOT get your money back)

Most certainly DO NOT TRUST people you JUST MET.
Even if family members vouch for them.

Housing schemes and scams

Public housing(TN)

“Failure to maintain” causing “respiratory failure” or just doesnt give a shit about vets its supposed to help.
Very Deplorable living conditions and no help w those with physical disabilities.

WILL NOT FIX THE PROBLEM

Memphis and Crossville Tn Apartments

(especially “eden at watersedge” dba Willow Lake)

They are boarded up (and for good reason, not just transients and break-ins),
Often overpriced, or worse – should never be rented out.

FIRE HAZARD
(UNITS WILL CATCH FIRE- then they will evict you for witholding rent-as allowed by law.)

DUNLAP TN TRAILERS

Local trailer parks (DUNLAP) with no apparent business name or verifiable business licence under Nashville,TN records.

FIRE HAZARD
NEEDS TO BE CONDEMNED

-If it looks like ELM ST- stay away…its a nightmare!
NO HEAT AS REQUIRED BY LAW
UNMAINTAINED FOR DECADES AND OWNER DOES CARE
OWNERS APPEAR OUT OF STATE(this one isnt)

Rent-to-own/Lease-to-own

Its a scam.
ESPECIALLY IN TN and AL.

The owner cant live or hasnt lived in the house in years–the past tennants wrecked the place or a tornado hit…
mice got in…the city is owed money “for nuisance” and non-maintainence or the house…
its missing half a foundation or walls or section of the house…

HOUSES RENTED IN ILLEGAL RENTAL CONDITIONS

In most places, the city wont intervene.
Anniston is the exception.
INSIST ON WATER COMPANY AUTHORIZATION to turn water on in your name if renting a house.

If the City Util company REFUSES- WALK OUT of the DEAL.
It means the building isnt SAFE for RENTAL.

If the unit was safe- the city would switch the utils over, just like the power compamy does-
the city will REFUSE when the unit FAILS INSPECTION.

Apartments get away with less inspections by leaving the water ON.
The second it gets shut off- either you need to own the premesis- or you need to pass inspection.

owner finance home purchase

This is usually ok, done for people to sell quickly that actually own the place or land that want to get rid of it quickly.
aka FSBO(for sale by owner, not agent).

BE triple aware if combined with ANY above con.

Moving Scams

U-Haul

Overpriced shipping.
EXTORTION RACKETEERING ATTEMPTS (YOU NEED TO SUDDENLY PAY UP) after REFUSING PAYMENTS
and playing games with you-

Only keeps local rental records- nothing is kept where other locations can solve the problem for you.
By the time you find this out- its too late to correct any “financial difficulties” you may have had.
You either lose your stuff(valued higher to repurchase then insured)-

• or you pay ecessive fines
  
• then pay excessively priced MOVING EXPENSES

Lending scams

SpringLeaf(dba onemain)

Wont take your money repeatedly- but wants you to borrow thiers.

Then refuses to abide by so claimed “non-existant” federal laws, which have been on the books for years. Fights the bureaus about inaccurate balances, disputed charges etc. to make them look good and you bad.

$500 down car lots

Known as the “pay $500 down and drive home” scam.

While there are some decent cars at shops with “zero credit checks”..
A USED CAR SALESMAN will SELL YOU A CAR just to SELL YOU A CAR.

Some people need “Second chances”- need to fix problems caused on credit by other companies…etc.

Most may lend you “close to upside down” but some NATIONAL DEALERS go further
to make sure you cant REFI later on, let alone sell the “piece of shit” they give you.

“TRUE CAR” my left foot- more like: OVERPRICED PIECE OF SHIT.

LEMON LEMON LEMON ALERT

Some car have FACTORY UNFIXABLE PROBLEMS.
May have custom rims and nuts without your approval.

Lending companies Flat out refuse to abide by FCRA and LEMON LAWS.
AFAIK they will not respect ch7 laws either.

BAD CAR DEALERS

	SANTANDER
	CarMax(dba UGLY DUCKLING) 
	USED car Dealer on Main st (north side of town) in Crossville TN
		many cars on this lot are falling apart "in your hands" before leaving the lot

COIN scams (physical coins)

	Coins by mail
	Jewlery by mail
	Collectibles by mail

Usually worthless JUNK, even sold on ebay.

	Whats the value?
	Is it GRADED?

Screw “plated” coins. Theyre fakes.
If you want to FLIP or invest, try GRADED estate sales and random gem lots.

YOU CANT GET RID OF THIS SHIT FOR ANYWHERE CLOSE TO MARKET VALUE ** If you buy ANY COIN- know who to trust and where to sell to. **

OFFENDER:

	Coins and currency of Orlando

You get put on a mailing list even if you refuse mail repeatedly.
Model Trains, Planes, automobile toys, etc. etc. etc.

STRANGE MAIL-ORDER OFFERS

Send me $20 and “solve this math puzzle”….
This is a MLM TRIANGLE Mail order SCAM you probably already came across already.
You already have encountered(most likely) the information promised in these “sorts of letters”.

secret societies

	Weve been looking for ewe...

UNSANCTIONED MAIL from unknown senders, looking like it came from overseas.

OFFENDER:

	Mark Hamilton's "not-so-secret" society

-And its not from europe, its from UTAH.

POLYGAMY is LEGAL in UTAH.
RANDOM UNREGULATED ORGANIZATIONS or RELIGIOUS ORGANIZATIONS are allowed in UTAH.
UTAH is extremely restrictive in laws- often hindering prosecution of offenders.

BANKS

HOW THEY CON YOU:

	1- Excessively high unregulated fees(rising, now $35 EACH- sometimes multiple times per day).
	2- Will not cease runaway transactions (whether or not your fault)
	3- MINIMUM DAILY BALANCES to withdraw funds "otherwise available"
	4- crashing VISA/MC card networks to refuse funds access
	5- refusing to sell stocks(or refund stocks sold)
		(Not everyone is a day trader)
	6- not keeping accurate records and denying credit based on such (not due to credit score data)
	7- refusing to deny transactions when theres no money in the account

OFFENDERS:

	HSBC (supports cartel networks,millionaires money,and potential money laundering)
	Ally (no actual branches)
	Simple (unmerged fork of BBVA compass)
	REGIONS (local pissant bank -that cannot earn your trust)
	USAA (keeps inaccurate records, wont sell stocks bought)
	Fidelity (multiple issues)
		"the umbrella bank" dba Bank of Americas "client" and business partner
		(All refunds are drawn on Bank of America)

    Capital One (multiple issues- including EXTORTION on accounts and refusal to remove INACCURATE charges)
	
	COMENITY STORE CARDS:
	
	Walmart (refuses to refund amounts paid for FRAUD on accounts)
	HealthCredit
	PetCare
	
	MARATHON OIL

COMMON BANKING CARD FIASCO:

	Fails to abide by VISA/AMEX/MC card agreement
	refuses to reverse **any** transaction.(cant dispute charges)
	contacts merchant(not thier bank) to reverse charges
			- banks use this technique to steal from you

	PIN use indicates "you were there" to the bank.
	You cant reverse a transaction "YOU WERE THERE FOR".

Which leads to this mess:

3D FINANCIAL(TITLE LOANS):
	I was extorted to take out a loan. I was still EXTORTED.
	FRAUD LAWS state that CONSUMER DOESNT OWE DEBTS if EXTORTED.
	   -I continue to be extorted for my vehicle title.

MERCHANT CONS(shop/restauraunt):

Some merchants such as StarBucks et al refuse any transaction for atm cards wo a pin. 
This is a zero liability game they play. 
DONT PLAY IT.

Internet (ISP) CONS

	ATT (UVerse and cellular)

		Triples your rates for no reason whatsoever.
		Will not allow you to dispute charges.
		RESELLS "BAD DEBT" to multiple companies, multiple times
	
	Charter  (dba Spectrum dba TimeWarner Communications)
	Comcast
	(these two will hack your internal HOME NET and REFUSE TO PAY for RESTORATION)

WARNING:

	You will get hit w DCMA takedown harassment emails
	-even when its not your fault. 

	USE DNSSEC if possible of change your DNS settings. <br>
	**DO NOT USE DEFAULTS.**


	MITM all of your internet traffic and **boldly** asserts that you gave them the right
	-because they own the equipment.

This is SPYING.
SPYING is ESPIONAGE and FORBIDDEN under US CONSTITUTION.

	VIASAT (dba Excede dba StarBand Communications)

	Same Bullshit as years prior. HughesNet is a better deal, has better support.
	Everything is automated except the install 
			-where they bitch you out for "not knowing what you installed".

	The problem is they dont give a damn about consumers and dont want to handle complaints, 
	then automate billing wo consent,
	so they are losing more customers than they are gaining. 

	Then they want thier equipment six months later.		
	Change your bank card if you have used VIASAT. 

DEBT CLAIMS AND CHALLENGES

	You can remove "BAD DEBT" and clean up your credit files in less than seven years


	Change your email to stop the spam. 
	DENY ALL BILLS SENT TO YOU.
	(never ignore debt complaints, but do DENY THEM and send them back. )

	DISPUTE ALL DEBTS IN FULL (within 30 days preferably).
	If they sue- go to court and state facts while disputing. 
			DO NOT ADMIT DEFEAT.
			DO NOT ADMIT FAULT.
			
	If you must settle:		
			FORCE the company to settle in writing, removing all "credit damages".

	These companies cannot sue if debts are DENIED.
	Further:
		DEMAND "credit file extortion and bad debt resale" to stop-
			Your goal is to get debts(and collections) removed
			
			If they ignore you, you can collect damages.

Credit cards

OFFENDERS:

Open Sky:

	Refuses to close secured accounts, then claims that you owe them..which isnt correct.
    Redirects your mail to them(a corporate address) and then screws w your credit file.

Capital one:

	Must be missing a debt collection dept(refuses to close accounts wo being paid -EXTORTION)
	Does not reply factually to inquiries
	Ignores any messages sent to them
	Wants you to wait 12mos for a 6mos credit review
	CEO doesnt reply to messages(Richard fairbank)
	Doesnt care if you filed bankruptcy.

Credit one:

	Offers to the poorest of poor credit persons with reliable income(then burns you later)
	3mo credit review cycle but cons you into opening 3 cards instead and rising existing balance
	Takes cellular numbers for debt harassment if late
	Refuses to stop calling cellular listed numbers (I have 120K worth of fines due me..)
	Re-starts calling cellular numbers after resale of accounts to MCM/LVNV depending on amount claimed due them.

COLLECTION COMPANIES CREDITONE USES:

	MCM(big debts):
	
		refuses to obey the law but nobody seems to care.
		Refuses to be deleted from credit files even tho info is inaccurate and they bought debt for pennies.
			
	LVNV(smaller debts):
		althought listed as a creditor refuses to respond but refuses to delete inacurate reported debts.

		Does not abide by bankruptcy law.
		Refuses to comply w FCRA and reports slanderous info about you

Theres a trick here- get some other bureau to remove the account.
Then force the one you want to remove via the FCRA requirement.
-Its actually legal.

Credit Bureaus

ONE NUMBER TO RULE THEM ALL!
(publicly its 3)

	EXPERIAN
	EQUIFAX
	TRANUNION

ILLEGAL SUB CRAS:

	Clarity Services
	LEXIS NEXIS(the nexus)
	Innovis
    ChexSystems (WALMART and others use before cashing checks)
		Some banks use them while refusing to open accounts.

These con artist sell you information, places youve lived at, email addresses, etc.etc.etc…
They seem to sell or collect from about 20 companies giving them the information -without a means for you to stop the unlawful data sales.

These con artists resell information to each other and keep your file as low as possible without means to correct it.
These file abusers repeatedly post inaccurate info and then demand your blood type to correct your files.

I have 10 years of slander and NOTHING has been corrected. It has been resold circle-jerk from bureau to bureau as “correct” and “verified” without proof sent to me, which is ILLEGAL.

Sue these companies repeatedly at your earliest convienience.

Hand them over to local state DAG and consumer advocates and Senator Warren.
Repeatedly slam the cfpb and OCC with complaints.

Credit repair scams

I havent personally dealt too much in this manner. LEX LAW helps to a point until you are the customer months on end…then nothing.

	VERY INCONSISTENT repair.

It is true after months of advocacy (from government agents) that you yourself can fix your credit files and clean them up.
HOWEVER- you cannot stop BAD DEBT RESALE if you dont know the offender or what is resold.

(SUB-CRAs take advantage of this)

Consumer Credit counseling

Be wary, there are good and bad ones, al under some form of “CCC”.

Some abide by the laws your creditors will abide by - and others just dont care.
Furthermore, these will attempt to get you to pay “disputed debts” that creditors refuse to remove.
THIS IS EXTORTION.

Do not negotiate these accounts.
Not a matter of “not paying bills”, its a matter of disputes and
unlawful debt collection activities (including illegal cellular harassment).

Student Loans

	This is the biggest con. 

If you just want a degree:

	Try going overseas and paying a student rate there. 

NO, SERIOUSLY..THINK ABOUT THIS.

You pay for “end of class tests” and thats it.
This 3K a semester stateside is bullocks!

Try UofPeople also….

However-

	If you want a CERTIFIED, ACCREDITED DEGREE(and a better job as a result):
		You are forced into going to a FOUR YEAR UNIVERSITY

Most universities cant figure out how to pull GI Bill AND Grant money. they want you to BORROW…

BORROW is BAD.

You can legally pull both benefits, but most colleges see the FAFSA and think LOAN INCOME(\(\)\(\)$) -whereby the GI BILL info has to be reported back to the US GOVT

More and more colleges take you for a financial ride these days with nothing in return and they dont care.

COLLEGE OFFENDERS:

	U of Phoenix (multiple cons, including "abuse in class" of vets and those with housing troubles)
	DeVry (UNACCREDITED in Phoenix)
	U of Memphis (multiple cons and abuse of power)
	Kaplan (ch 31 abuse)
	CAPELLA (lost NSA cyber status-MIT and similar still have it)
	ARGOSY U (scams vets, lost accredidation in Phoenix)
	ASU (arizona state) (title iv violations, cannot keep entrace records straight)

Psy-op scams(or groups)

	"Talk to the dead" TV psychics

The method is fake, there may be some in-person “real people”, most are NOT.
If you seen the TV episode of leverage…its along those lines.

	Palm Readers
	Tarot

Some are fake, some are not. Take with a grain of salt.

The tarot reads arent really “fake”.

“For entertainment purposes”, for sure..dont take too literally or seriously.
The magic really is in the cards. I read the deck myself- as an amateur.

	1-900-dial-something

THIS WILL GET YOU EVERYTIME.
Look for a local psychic…

	MKULTRA MIND PROGRAMMING ONLINE and OTHER BRAINWASHING ABUSES

MKULTRA crap online from ‘undesirable end-of-the-world nutjobs and thier followers’.
‘theyre controlling our minds and thoughts and drugging us’..

While MSM(main stream media) can seem to tell you what to think about…
these newscasters are just talking bobbleheads doing what they get paid to do.
Its up to you to turn the TV off.

FACT:

	MKULTRA **was** a CIA project. 
	They did not believe they could pull off a MANCHURIAN CANDIDATE. 

	In many ways the CIA failed. 

If they succeeded by happenstance a ‘manchurian candidate’, it was out of luck
and not out of trial and error. They could not repeat the process and shut the project down.

You are NOT being controlled in such a manner.

I do not doubt that HAARP has some affect on people, as do Wifi signals and cell phones,
and the like.

I do not doubt that the Govt has had its hands in dark pockets, even with ET
in the past. The hope is to correct this bad behaviour.

As I said, MKULTRA STOPPED in the 60s.

There have been only two reported deaths.
One was falling from a high hotel mysteriously, one was the candidate ‘fluke’.

As per project STARGATE, although it could be ongoing on Long Island at Montauk facility,
the facility officially shut down years ago as a state park.

There appears to be a satellite facing up from a satellite facing down image if you look close enough.

The facility has a rotary dish mount there(TV? Radio, HAM, RADAR?).
But otherwise almost appears DEAD, and same with any project in that area
-with exception of maybe some large scale digging in recent years.

Some of the DoD project participants remain alive and well, practicing in other related (psy-op)
projects to help the greater good. I believe the lead project team member has written a book.
-His name is Major Ed Dames.

marks of the beast

As per the “chipped 666 rice grain implants”…those are optional, dont connect that way,
businesses were forced- “by the religious zealoutous folks” - to cease production.

They are used as an ID badge at only SOME corporations.
They do NOT tie into any major systems like Social Security or the like.

Even if they did, as some off-planet places use similar,
it serves no purpose than to ID you as a legitimate citizen and benefit recipient.
(its much like a green card or passport)

Hard to mess with a piece of hardware you cant remove.
But we only do that in certain circumstances.

Niburu2012 Rehashes

-I am seeing more and more of these as of late.

OMG OMG OMG the world is ending– and you need to live in FEAR
Heaven forbid something DEVESTAING HITS planet earth by PROPHESY…(TC4 asteroid is real however)

ALIENS ARE COMING TO RAPE YOUR MIND AND SCREW YOUR BODY!!!!
Youre gonna be thier lunch or “clone hosting mother…”

The FEDERATION DID IT! ( a LIE)….
-kick every ET off this planet……
every last one must go…

WRONG

This is called FEAR PORN.
You are creating the very thing you claim ET feeds on.
(Very few ETs, btw, feed off such negativity.)

-THESE STATEMENTS ARE “SCHIZOPHENIC SELF-DESTRUCTIVE PARANOIA”.

YOUR RIGHTS STOP at the causation of FEAR and PARANOID IDEATIONS.
You cause people to think, to act in ways unbecoming a DECENT BEING.

YOU ARE NOT HUMAN.
THEE ARE HELLSPAWN and HELL’s agents.
So are the illuminati groups online as of late.

I summon you back to Oblivion -as they say.
-And get off of my internet while your at it….

KNOCK KNOCK….HOMELAND SECURITY and the NSA/MIB are coming to SILENCE YOU….
Maybe its time for your weekly injection of MEDICINE??
REMEMBER- WE can trace you from your internet IPs…..leased or otherwise…