Crux of the Raygoza Scam

An earlier post edited for clarity:

History first:

I replied to an email from a marketer whose name was the same as an individual involved in one of the reported Raygoza scams. I  said  that an email from anyone linked in any way with Raygoza wouldn’t be well received by those of us who had been ripped off.

He actually responded, and I thought his response was good – as far as it went.

He said that because there are always unhappy customers (justly and unjustly so),  it is wise to keep your reputation intact by pleasing the customer – granting and paying refunds. However, he missed the real point in the problem with John Paul Raygoza’s operations – namely the fraud involved in the charges to credit card accounts in the first place. If those charges were legitimate, refunds wouldn’t be a problem in most cases.

WHAT PEOPLE AREN’T “GETTING” IS THAT RAYGOZA’S PRIMARY MONEYMAKING OPERATION IS FRAUDULENT CREDIT CARD CHARGES –  not a legitimate service business! A thief does not “refund.”

His salespeople make an UNSOLICITED telephone call,  IMPERSONATING someone you think you have reason to trust, so that they can obtain a credit card number (classic phishing scheme).

(Because Raygoza is very familiar with past schemes whose perpetrators were charged and convicted (eg Google Money Tree) he has tried to cover all the bases by inventing “proof” that he believes will stand up in court – that his victims gave him permission to steal their money by producing a misrepresented signed document. The initial conversation, with false promises isn’t recorded, so it becomes the victims’ word against the invented “proof.” )

The caller uses that trust to get you to quickly sign a supposed “confidentiality/nondisclosure agreement” which actually turns out to be a  document they claim proves you OKd the charges. Those charges are put on your account before you even sign anything, which is how they determine how much they can get from your account.

They charge (put through multi transactions in small enough amounts that bank protection measures are overridden) every cent allowed to your credit card. If you have $4000 credit left on a card they will put charges through totalling the $4000 plus as much more as the bank will allow. If you have $10,000 in available credit they will use it – and as much more as the bank allows.

If you realize right away that the services promised are not what they are actually offering, and that you were scammed, you read the agreement more carefully. You realize what you signed, and think that your misplaced trust means you had best comply with their terms if you hope to recoup any of your loss.

However:

Though you comply totally with the agreement’s terms, Raygoza and his brother, (Push Traffic GM) Ted Molina, totally ignore you. Your compliance means nothing.

It is then perfectly clear and obvious that  PERSUADING YOU TO SIGN THE AGREEMENT WAS THE ICING ON THE FRAUDULENT CAKE,  AND THE WHOLE PHONECALL NOTHING BUT A PHISHING SCAM.

Though  their inaction nullifies the agreement, they still submit your signature to the bank to dispute the chargeback request when you attempt to get your money back through the credit card dispute process.

The bank “buys” Raygoza’s  “proof” and he laughs because he knows that “possession is nine tenths……” etc. and up ’til now he’s gotten away with it.

He has even posted public comments calling his victims stupid for signing his agreements and telling them to “get over it”!

John Paul Raygoza is the most arrogant, egocentric and narcissistic LITTLE man I have ever had the displeasure of knowing.

BOTTOM LINE IS THAT EVERY PHONECALL HIS PEOPLE MAKE HAS ONLY ONE GOAL – TO TAKE YOU FOR EVERY CENT THEY CAN – IN ANY WAY THEY CAN – PERIOD.

What you should get in return is in no way relevant.

A thief does not voluntarily give back what he’s stolen.

Comments

  • ChrisY On September 1, 2010 at 20:19

    Good summary, Ann.
    From time to time, I notice anonymous postings that try to exonerate The Raygoza Gang for their atrocities.
    But the key issue- as you mention- is not poor customer service. (actually to call Puhstraffic’s CS ‘poor’ is to praise it) it is their contemptible and dishonest attitude to refunds. That is what Raygoza’s entire business empire is built on – a refusal to recognize refund claims. They did not even reply to my letters, and when I put my demand directly (by phone) to the infamous Harwood Hamilton, that scammer replied: “Sir, I can do nothing for you”, before he terminated the call.
    Worse still, when I was put onto someone named Joel, that stooge interjected and told me if I did not stop my complaining he would hang up. He abruptly transferred me back to an engaged phone line on Hamilton’s desk.
    Does everybody understand why I am enraged?

  • Sandy On September 1, 2010 at 17:12

    Ann, a wonderful post. I couldn’t have said it better myself. John Raygoza is a sniveling little weasel, and I know one day he will get what is coming to him. My hope is that it is jail time and that it comes soon. The man makes me sick! Keep up the great blogging. Sandy

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