Tag Archives: narcissism

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

Details of Push Traffic/Raygoza’s “Offer” to me

As promised in yesterday’s post:

Scam aside – I had signed a nondisclosure/confidentiality agreement which turned out to be a document designed for acceptance by the credit card bank as my permission for immediate release of payments totalling $4500US/$5713CAN. The agreement stated I had a right to an 85% refund if  I canceled within 3 business days by registered mail – I did.

A legitimate company, offering legitimate services in a legitimate manner, would have honoured their own refund policy by crediting my credit card account $3825US/$4856CAN upon receipt of my cancellation letter. Instead Push Traffic (Ted Molina specifically, since that’s the only email address I had) blew me off, ignored my requests and demands for a refund for almost a full year.

This year they have been attempting to settle with those who continue to call them on their scams (could it have anything to do with the task force investigating them?).

The offer to me in emails from someone signing himself “Chris Bosley, Paralegal” (direct quote):

“$3,825 is the offer.  Even accepting that the exchange rate differences at the time of the transaction might now result in a different amount than it would have been a year ago, that is the amount we are prepared to offer today.”

The contingencies (direct quote):

“This refund is contingent, however, upon:  (1) removal of the onlinelowblowsandsuckerpunches.wordpress.com blog; (2) the retraction of any other negative statements made by you regarding PushTraffic and/or John Paul Raygoza online; and (3) agree to refrain from any such future statements or actions against the company and Mr. Raygoza.”

The approximate wording of the retraction statement (direct quote):

“Simply language to the effect of “My dispute with John Paul Raygoza and all his companies and officers has been completely resolved to our mutual satisfaction.”

Now the conditions MIGHT be acceptable if one were being offered a REAL “settlement” – something that took into account the extra charges incurred in the way of bank penalties and interest caused by their scam in the first place, as well as (at the least) a refund of the total amount taken.

Instead they argue and stall – a year late, and only after a ton of  communication and expense, Push Traffic’s paralegal, Chris Bosley, expects me to be grateful for their “offer” of  the refund they owed by law last year – but at today’s exchange rate! ($3825US = $3,812.08CAN) – AND – ONLY ON CONDITIONS THAT WERE NOT PART OF THE ORIGINAL AGREEMENT!

That means, not only would I agree to ignore the fact of the scam, but  agree  to a loss of :

$4856 – $3812 = $1044Can (amount originally owed at the exchange rate then MINUS amount of refund at present exchange rate)

ON TOP OF the $850 refund penalty.

Why?

BECAUSE * THEY * DIDN’T * PAY * IT * WHEN * THEY * OWED * IT!


THEY OWE THE REFUND WITHOUT ANY NEW CONDITIONS – AND ARE STILL REFUSING TO ABIDE BY THEIR OWN AGREEMENT.

In other words John Raygoza, Ted Molina, Chris Bosley and Push Traffic think in their own demented minds that they are above the law – the same law they hide behind and quote when attempting to justify the original thefts. Can’t have it both ways.

OK – rant over for the momentthese guys took me for a relatively small amount compared to some of the other victims – their stories are all over the web, and include people worldwide – but the impact of the scam is totally dependant on the amount of an individual’s resources to start with. Obviously since what he does is max out the marks’ accounts, Raygoza couldn’t care less about that – what matters to him is the “game” and funding his own interests and fun.

Have another look at the video where he brags about his “crib,” and his blog at http://johnraygoza.com/?p=140 where his absolute narcissism and self interest are so blatant – he brags about how he had such a great year spending the money he took from you and me.

There is actually only one person in this world who matters to John Paul Raygoza, and that is John Paul Raygoza.

Comments:

Ann 2010/04/23 at 16:52 | In reply to anon

Hard to say exactly what happened to that site, but of course you’ll get no argument from me and countless others on your feelings about how these little cockroaches spend our money.

I’m sorry you also got taken but, YES, they are being investigated by a task force on computer crime in the LAPD. It takes a long time to gather enough evidence to make an airtight case against sleazy little crooks like Raygoza’s team.

However, There are many of us who have reported (and submitted documents where required) to various agencies; and encourage anyone who hasn’t to, please, lend your support that way. That’s the only way justice will win.

the task force contact: John Barragan, email: 30146@lapd.lacity.org

anon 2010/04/23 at 16:03

So is this what happened to http://pushtrafficscam.com/ ?

Good luck to you all, since it looks like raygoza and his men are enjoying your cash by buying season tickets to the Lakers and taking vacation trips……

I too was conned out of almost $8,000.

Everytime I look at these guy’s post about their luxury homes and vacations it makes my blood boil….is there any justice?

Is anyone going to really investigate and incarcerate them?