Debbie Does PowerPay

PowerPay-Morin-Filsaime-Pierce

Every time I ask my fake secretary Debbie to take a letter :: she uses purple ink … it’s daft not adorable … but there’s no convincing her.

“We’re talking to the banking system here Debbie :: for christ’s sake … use a word processor.”

… says me.

But I’m capital :: and she’s labor … and if I don’t let her use purple she’ll organize and I’ll be left with striking Debbies who expect sick days and maternity leave.

To PowerPay.biz :: merchant account processor to the opposite of the stars :: June 2011 … in purple …

Dear Honcho,

I write a massively popular blog about people who do very bad things for money. Maybe you’ve heard of me?

One funny thing I’ve noticed is that 85%ish of the money is being processed through your company.

Here’s a particularly galling example of someone you were processing … http://saltydroid.info/john-raygoza-scams-yo-momma/

How could something like that go on for more than a few weeks without detection? That’s my question.

Mr. Raygoza was just arrested for torture, kidnapping, assault, assaulting a police officer, illegal possession of a firearm, and a few other really nice things like that. Because he’s being sued I was able to ascertain his processing history with a certitude {to use a recently popular word} not normally available to me. I had planned on mentioning your company unfavorably {to put it mildly} in that upcoming article.

But now it’s come to my attention that many of my least favorite badguys are no longer with you, which seems like a hopeful sign. So I’ve decided to seek your comment before making any public statements.

I’d be willing to have a conversation on or off the record. But if there is no conversation … then that’s going to be on the record.

Thanks.

I guess I’ll take that nine months of no comment as a confirmation of what I already knew … go suck yourselves you corrupted fuckstars.

One more letter :: this time in black …

Hey HSBC ::

Hi.

I’m The Salty Droid.

Did you think I was coming?

Yep!

I am :: and I thought I might bring some lawyers …

… c u arounds.

>> bleep bloop

71 thoughts on “Debbie Does PowerPay”

  1. Capital One to acquire assets/assume liabilities of HSBC

    “The Office of the Comptroller of the Currency (“OCC”) hereby approves the Applications by Capital One, National Association, McLean, Virginia (“CONA”), and Capital One Bank (USA), National Association, Glen Allen, Virginia (“COBNA”), to acquire substantially all of the assets and assume certain liabilities of HSBC Bank Nevada, Las Vegas, Nevada (“HSBC Nevada”). These approvals are granted after a thorough review of the Applications, other materials you have supplied, and other information available to the OCC, including commitments and representations made in the Applications and by the banks’ representatives during the application process.”

    Consent order is here

    Reuters announcement here

    1. @The Getaway Car,

      “Once your funding is approved, we split off a small percentage of your sales revenue on a daily basis until the program is complete.

      The percentage is based on the amount of capital you receive, your product offer, your sales volumes, and the overall needs of your business.

    2. @The Getaway Car, Don’t want to drive ya off the road — and I agree PowerPay’s credit card merchant account system is sold openly to the crowd Salty’s going after — but I feel the need to point out that Direct Marketing does not automatically mean “scam.” Direct Marketing is any marketing that elicits a direct response…positive action such as mailing in a coupon or a check. Anything sold by mail order is direct response. Good or bad.

      I wasn’t aware of the funding option from PowerPay…but their acceptance rate doesn’t necessarily indicate they aren’t showing discretion. What they are apparently offering is what is commonly referred to as merchant funding. It’s a cash advance based on past credit card transactions a business has made, paid back by deducting a percentage of future sales until the total advance plus interest has been paid back. Kinda’ like a payday loan for businesses. Again, done all the time. Easy to get with bad credit or no credit. All any business has to do is show sufficient credit card charges to warrant the funding.

      I’m not trying to be negative here. I’m trying to keep us and our arguments here clear. These aren’t bad things in and of themselves or even a sign of bad things. This doesn’t change PowerPay’s integral part in accepting and processing credit card transactions for most of these assholes — and the bad business decision that can turn out to be or the bad acts it facilitates…because a lot of “normal” processing companies wouldn’t touch them. I just want to make sure we’re not bringing forth points that aren’t really points in our assault on the bad guys.

      1. @Head Honcho, That was quoted simply to show that PowerPay, as an organization, is very familiar with what and who they deal with.

    1. Keep an eye on Capital One. Let’s not let PowerPay slide through a “name change” or some faux “purge” that is really a “business-as-usual” new face. Cap One is unlikely to just sweep away it’s new toy…

      1. @Watchin’ You Close, Capital One,

        First of all, I’m deeply thankful to Salty for opening my eyes to the Syndicate and the B-listers. Unfortunately I found him after I blew $2000 on Jeff Walker’s Product Launch Formula, $2000 on Maria Andros’ Video Marketing secrets, $1500 on Laura Roeder’s Creating Fame (which had the least substance of all of them…still stunned by how hollow that one was) and about a thousand on Dave Navarro’s various programs…so yeah I’m an idiot, and you are welcome to read my next comments in that light.

        But I’m also a grunt who works for HSBC and supports his family of five on it as the sole wage earner. I live in Buffalo where HSBC is the largest employer…and the hardest hit by the layoffs that are currently occurring thanks to the credit card sale and the branches sale.

        I find it interesting that it says HSBC Bank USA NA, Buffalo NY. I live in Buffalo, NY and have been employed by HSBC for more than a decade, though I’m still a grunt worker. There’s call centers and operations in Buffalo, that’s it. The NA is in Nevada for the credit side and Delaware and Virginia for the securities and deposits side. Just a bit surprised to see something that inaccurate on a merchant processor site.

        The worst thing that HSBC ever did, which has been said in the press by the Global CEO, was buying Household International in 2003. At the time, we were doing very well as a regional bank, mostly in NY and Pennsylvania, and doing exceptionally well globabbly. Household brought with them all those store brand credit cards and the bad mortgages and the merchant processing…every bit of trouble that we’ve had in the last decade…all for no reason except to attempt to grow the brand in the US. This is all now going to Capital One, but unfortunately it killed the profitability of the bank so severely that they’ve announced 30,000 Global layoffs in the press and had to sell ALL 195 of the branches in the upstate New York area which includes Buffalo.

        I see friends (and family for that matter) getting let go everyday as a result of all this crap, and it’s probably not long before I also get the gate (hopefully this comment doesn’t speed that process along). Unfortunately in Buffalo, there really isn’t a lot of hiring going on at other companies. It ain’t a metropolis. And there are a lot of desparate people now.

        So while I’m expecting a few comments and minuses for working for “The Man” I’m actually sad to see what’s become of a global organization that employed my parents, my siblings, myself and formerly my wife and more than a bit scared at the fall out of all this stuff. I’d be glad that those pieces are being sold except for the deleterious effect on the employees. I donno, I guess I’m saying to remember that there are others affected by this on the HSBC side, good people, and even some of us who are on your side and have been ripped off by the Syndicate.

        I’ve said enough and am afraid for my job as it is.

        1. @Anonymouse,

          “The NA is in Nevada for the credit side and Delaware and Virginia for the securities and deposits side.”

          Thx for the comment – and for clarifying about that – it kept confusing me.

  2. Why does PowerPay even show credit card swipe terminals in their promo video? What percentage of their transactions even involve a physical terminal?

    http://www.youtube.com/watch?v=de3LA312UAw

    “Moreover, in Internet marketing circles, PowerPay is often cited as understanding the business, and sudden large increases in volume will not unsettle the company.”

    http://www.intelli-collect.com/cblog/archives/242-PowerPay-This-Five-Star-Merchant-Account-Provider-Will-Empower-Pay-You.html

    If they “understand the business,” they have NO excuses, do they?

    1. @Meet PowerPay, Believe me — they have no excuses. What I posted earlier about the nature of direct marketing and the merchant advance loan shit notwithstanding.

      PowerPay’s REAL problem is that whole “we understand the nature of your business thing” which means…yes…they KNOW. They know and they still facilitate the rip-offs. They know and look the other way as people try to get their money back. They know and back up the bad guys when people try to charge back or refund. They know. And they should pay.

    2. @Meet PowerPay,

      That’s a touchy feely video for potential PowerPay customers (i.e. Merchants i.e. 80% of the time IM-MMO scammers) and possibly also for potential PowerPay employees. Employees would like to feel that they’re part of something good rather than something bad. And I’ve always heard nice things about Maine. So pretending to be good would be important for fitting in there.


      Furry cows moo and decompress.

  3. From The People Vs. Stephen Pierce

    “he real question is … who will get added for their own role in perpetuating this scam?

    Will it be Get Motivated?

    Will it be ClickBank?

    Will it be PowerPay?

    Will it be Prosper?

    Will it be Russell Brunson?

    Will it be The Syndicate?

    Will it be SANG?”

    Welcome, InfusionSoft

    “InfusionSoft has partnered with PowerPay to offer you the most powerful all-in-one payment processing solution in the industry with a FREE merchant account & gateway setup, FREE online statement access, and NO early termination fees!”

    1. @Jack, Dude — sometimes you mystify me…sometimes you just confuse me…but you REALLY nailed it with THIS find. NICE!

      1. @Head Honcho,

        Nice find indeed! I’m on quite a few of these lists due to a client I work with – and I’ve noticed more and more are using InfusionSoft to process their email autoresponders.

        They even have a promo video for “Information Marketing”

        http://www.infusionsoft.com/customers/information-marketing

        and “Online Marketing”

        http://www.infusionsoft.com/products/online-marketers

        Thanks to PowerPay’s info, they now know this “market” is a goldmine to tap.

        Knowing that the basic InfusionSoft set up runs around $300 per month (vs. $10 or $20 at MailChimp or Aweber) how much you wanna bet we’re going to see lots of premium monthly subscriptions for IM crap coming up in order to pay for their fancy CRM system?

  4. Reading this:

    “PowerPay is often cited as understanding the business, and sudden large increases in volume will not unsettle the company.”

    Why is it I think it translates to something like:

    “Whatever illegal shit you are gettng up to is of no concern to us just as long as we get our hefty cut.”

  5. From an online review of PowerPay:

    “For a company of its size and time in business, PowerPay has a low-to-slightly-moderate amount of complaints filed online. The common theme among the complaints is of merchants reporting sudden account terminations by PowerPay, sudden holds placed on funds, unexpected fees, difficulty with resolving problems and reaching the company’s customer service. A few complaints even report a complete inability to get someone on the phone for up to a week or more. These types of complaints are particularly troubling because of how disruptive they are to a merchant’s operations.”

    Yeah, I could see where not being able to talk to someone for a whole fucking WEEK might get a tad worrisome. Quite the understatement.

    Furthermore, the CEO of PowerPay, Stephen Goodrich, formerly of iPayment-Maine which was affiliated with First Merchants Bancard Services signed some sort of non-competition agreement which he reneged on when he started PowerPay. Read about it here:

    http://mainelaw.maine.edu/library/SuperiorCourt/decisions/CUMcv-05-114.pdf

  6. “Affiliates earn a percentage of the net profit generated every month for any new merchant account generated from your website.”

    https://www.powerpay.us/affiliate.aspx

    That reads as an *ongoing* transaction percentage payout which also sounds like a “transaction split.”

    The conduct of financial institutions is far more regulated that conventional businesses, and credit card processors must also meet the rules of conduct of Visa, Inc. and MasterCard International, which control those networks.

    Points to ponder (and look into, if you’re in the class action business):

    Is such a transaction percentage payout fully legal and permissable in this industry, and are there additional requirements that must be and have been met?

    Does that transaction percentage payout create any new relationships that would then in turn be subject to regulatory requirements?

    1. @Deeper and Deeper,

      “High risk” includes many online startups.

      Let’s say you form a new company that sells software that your customers rave about. The fact that you’re a new business without a credit history plus doing sales online is going to put you into a “high risk” category. Your online competitor that’s been around for 10 years probably has a track record that makes it a lower risk merchant account.

      If you sell anything legit by product launch you’re going to be considered a higher risk merchant. PowerPay understands product launches so doesn’t automatically freeze accounts because your sales spike for a week or two during launch. Most merchant account providers are clueless when it comes to what a launch is and will flag a launch as potentially fraudulent activity even if your product is 100% legit simply because you’ve spiked in sales.

      Another high risk activity is adult websites. Let’s say you decide to set up a membership site for adult video content. Even if you deliver content as promised to your membership, it’s still a high risk activity because of the number of fraud claims made against adult websites on billing. Some of the fraud claims are legit. Many are not but are made as a way to avoid embarrassment when the subscriber’s family member sees the recurring billing on the monthly credit card statement. Regardless of whether the fraud claims are legit, the fact is there are more claims which makes the merchant account a higher risk.

      As for PowerPay shutting down IM accounts, check out Harlan Kilstein’s complaint at
      http://www.warriorforum.com/main-internet-marketing-discussion-forum/368853-stunned-dropped-powerpay.html

      I won’t comment on his complaint. What happened kind of speaks for itself.

      What is important to note in that thread is PowerPay’s response to the complaint. Specifically, the part where that states “Due to the fact that we are a financial services company, we are not able to discuss specific circumstances regarding your account in a public forum…”

      The same would arguably apply to accusations made against PowerPay here.

  7. “If other Merchant Account Providers were free and paid me to use them, I would still use PowerPay. In the merchant account business, relationship is the only thing that matters. The guys at PowerPay care about you and your business.”

    “If you want to risk your business and money, then look elsewhere. If you know the importance of having people that have your back and care about your business, get started today and have one less thing to worry about in your business.”

    Mike Filsaime

    “PowerPay is the Best Merchant Account Ever! They never let me down, and I always get paid. I wish I could say that about the other merchant account providers I’ve used, but I can’t. Only PowerPay has proven that they truly care about helping my business grow.”

    “Sign up right now and you’ll soon know what I mean when I tell my clients that Powerpay is “The Best Merchant Account Ever.” Highly Recommended!”

    Jeff Johnson

    “I suppose all Merchant Account Providers should hate me. I specialize in massive product launches that do crazy sales in very short periods of times – like up to a million dollars in a single hour. Even worse, I actually teach other businesses how to do those huge product launches.”

    “Before I found PowerPay, the big problem with those launches was actually getting paid – finding a merchant account that would work with us and that could handle our big spikes in sales. In other words, making sales was easy… processing the payments was really hard.”

    “Well, those problems are a thing of the past since we switched to PowerPay… they understand “our kind” of business, and the lines of communication are always open. In short, they have been AWESOME to deal with and we love working with them.”

    “Getting paid is serious stuff, and it’s nice to work with a company that we can trust. PowerPay is that company.”

    Jeff Walker

    “For the last 4 years, I seriously doubt that I could have run my business without you. I know that sound like I’m kissing your buns – but think about it:”

    “For the StomperNet launch, for the kind of INSANELY GREAT sales we had in the first 12 hours, you not only handled it like a champ, got the funds deposited IN-FULL (without any of that “Reserve” shenanigans), you also called – you actually called to congratulate me.”

    “Who does that? For the 5 years before I met y’all – NO ONE did that one simple thing, unless it was to squeeze me for more fees or complain about me exceeding my account limits. You called. I will never forget that.”

    “In 4 years, you’ve not only never let me down; you’ve been my friends, my peers, and my consultants. Whenever I got sideways with something, you jumped in, talked to the right people, pull the right strings, and did it with an attitude that redefines ‘Professional’.”

    “Ya know, I feel like an idiot when it’s come to any of these financial instruments – but you never made me feel dumb, and frankly, you know your business inside out and backwards.”

    “Thanks guys – my business, and in fact my life just wouldn’t be the same without you both.”

    Andy Jenkins

    “Don’t ask about the processing fees, the monthly fees – and just sign up to get your PowerPay account right now. Believe me; I’ve been through merchant account hell with 5 different companies because those other companies never understood my business.”

    “I guarantee you’ll be better off with PowerPay than anyone – and I mean anyone else.”

    Matt Bacak

    1. @The Company They Keep, wait until Salty delivers the punch line to that part of the joke.

    2. @The Company They Keep,

      One of my companies uses PowerPay and we’ve been very pleased to deal with them.

      There are many online companies that use PowerPay that are not selling get-rich frauducts. In fact, you’ve seen PowerPay crack down and boot con artists over the past 18 months.

      Blaming PowerPay for the relatively few bad apples that use their merchant services is a bit unfair.

      I fully understand that this is a play to hit IM con artists where it hurts by taking away a payment processor. Yet it’s the wrong target. Most of the bad guys have multiple accounts with different processors. Frequently, you’ll see a switch mid-product launch to a backup processor already in place if the primary processor has any issues with the launch (technical or otherwise).

      What PowerPay handles isn’t a drop in the bucket compared to what PayPal processes.

      And even then, the processing is not part of any scheme by PayPal to defraud anyone. It’s simply a case of it being difficult to identify and punish con artists given how many merchant accounts are being handled and how quickly the same scammer can set up a new account under a different entity.

      FOOD FOR THOUGHT

      Want to hit the scammers where it really hurts? Go after the CRM/autoresponder services that are enabling frauduct launches.

      For example, let’s assume (hypothetically) that a scammer uses InfusionSoft to pitch frauducts.

      The company’s acceptable use policy clearly states…

      “All products and services provided by Infusionsoft may be used for lawful purposes only. Transmission or storage of any information, data or material in violation of any United States Federal, State or local laws is strictly prohibited.”

      Source: http://www.infusionsoft.com/legal-stuff/aup

      If the scammer is using InfusionSoft for an illegal purpose, then InfusionSoft has a dilemma when approached with a complaint: either enforce its acceptable use policy or violate it with potential legal risks for enabling the illegal conduct.

      1. @Mike Young, Esq., Maybe…or maybe there might be some recorded conversations coming that became hinted at some posts back…and maybe some sort of class-action lawsuit attorney heard some to all of those recordings. Maybe. I don’t know, but looking at the overall picture, including a modest-mouse song about bankrupt selling things could start to make much more sense about class-action lawsuit attorney taking the case.

      2. @Mike Young, Esq.,

        “What PowerPay handles isn’t a drop in the bucket compared to what PayPal processes.”

        Was it to mean:

        “What PowerPay handles is a drop in the bucket compared to what PayPal processes”?

        “is” and not “isn’t”?

        1. @Jack,

          …language semantics…

          I think what the parent poster was trying to convey:
          “isn’t a drop in the bucket” -> “is not even a drop in the bucket”.

          This post should not be construed to constitute a defense of PowerPay. I’m curious to see what @SD rolls out next. And I’m kind of naturally inclined to mistrust entities like them anyway. When you do what they do for a living, it’s way too easy to go evil on accident.


          Furry cows moo and decompress.

      3. @Mike Young, Esq.,

        Mike, PowerPay has made a public, concerted effort to woo that segment. Their marketing materials boast of their knowledge of that category and how they understand the “needs” of those businesses. The fact that they have other types of customers doesn’t compensate for any willingness to “take it where they can get it.”

        Presumably, there is a risk management department that evaluates customers, and such departments are expected to continuously evaluate customers and transactions even after they take them on. Surely they also have access to the internet?

        Whether shady operators have other processors or use PayPal is irrelevant. One problem at a time.

        It is hard to believe that PowerPay could be under any illusions about what its customers are up to – this stuff is highly visible!

        And come on:

        “99.9% Approved in 48 Hours – No Waiting”
        “High Risk Merchant Accounts Are Our Specialty!”

        I hope your business has a backup Mike.

        1. @Mike Young, Esq., Oh, and regarding InfusionSoft – to use a phrase:

          “WATCH-THIS-SPACE”

      4. @Mike Young, Esq. ::

        I fully understand that this is a play to hit IM con artists where it hurts by taking away a payment processor. Yet it’s the wrong target. Most of the bad guys have multiple accounts with different processors. Frequently, you’ll see a switch mid-product launch to a backup processor already in place if the primary processor has any issues with the launch (technical or otherwise).

        No it’s not just that. It’s about them intentionally targeting this “market” … and profiting oh so handsomely from Jeff Walker’s self-reported 30% refund rate.

        And it’s about me finding out that they were inside of Raygoza’s boiler room … never a good thing for me to be finding out.

        Merchant account processors need to think about ALL the risks that come along with high risk accounts. I can’t very well crucify them all because I don’t have enough nails … so I’m sticking with a little tactic I like to call … “crucify the worst one.”

        Crucify the worst one works … even on the not the worst ones.

        Infusionsoft = on deck

        1. Mike Young, Esq., SD just pointed out another signficant factor:

          In the real world, a 30% return rate on a large volume of transactions is just outrageous. It’s a huge red flag.

          I’ve had high volume merchant accounts with several mainstream processors. They would NEVER let someone get remotely near that number without freezing the account and funds, and asking questions later. To them, seeing numbers like that would translate to, “Houston, we have a problem.”

          In addition to the 30% return rate, what about chargebacks?

          PowerPay must also respond to chargebacks, which means they see the problems in detail.

      5. @Mike Young, Esq., “Go after the CRM/autoresponder services that are enabling frauduct launches.” While I agree this is a good idea, what do you do when one of the frauduct promoters (Jeff Walker) has his own private-label version of Aweber?

        PayPal: What’s good about PayPal – better than the credit card processors – is that buyers have up to 45 days to file a dispute if a product is significantly not as described. I can’t tell you if this applies to services as well, but I would expect it does.

        And if a buyer simply wants a refund for a purchase and has requested within the vendor’s written policy, and the vendor doesn’t want to honor it, PayPal will step in.

        In addition to this, I believe PayPal now charges an additional fee to sellers when customers who have paid with a credit card do a chargeback to the card company instead of filing with PayPal. I’d say that’s an incentive to keep customers happy – another reason for sellers to prevent chargebacks.

        I’ve never had a problem getting (or giving) a refund through PayPal. I feel like PayPal adds a layer of security to a purchase.

        It’s unfortunate that so many buyers who’ve been sucked into spending $10,000 weren’t aware enough to challenge a charge within 30 days of purchase when SPI didn’t respond to a refund request within 3 days as per his alleged refund policy.

        I’m glad you’re having a good experience with your cc processor, but I’m with the Droid. If you know the processor supports the livelihood of scam artists, do you feel good about this? You may never had reason to question this or to examine the decision to continue with your processing company before.

        Just coming to this site has opened up a whole new world to me. I fully intended to be an affiliate for some of the names on this site, and thankfully I know more about them, I recognize that I was sucked in, too, and feel just like someone said (think it was Barbara) to paraphrase, once you sell your soul, the cost to buy it back is prohibitive. (Not impossible, though).

        If certain processing companies cater to vendors of products and/or services of a questionable nature with extremely high refund rates, and if these companies have received multiple complaints from customers and clearly informed of questionable practices and/or obvious fraud, they should be culpable as well.

        This has given me something to think about.

        If I complained (or if individuals complained)to each company involved in each step involved over the course of a purchase made from a company that engages in fairy dust and fraud, from the website host, to advertisers on the site, payment processors, to book publishers, booksellers, to the Post Office (mail fraud sentences drive scammers to use FedEx/UPS) or ground carrier, and to state and federal government agencies, it would carry a lot more weight, and might actually have an impact on these scammers.

      6. @Mike Young, Esq.,

        Going after autoresponder service provider is a good way to give them a hard time. But that’s all you will give them…

        They can easily set-up a in-house server hosted autoresponder and email management system. Problem solved.

        Report them to their server providers? No big deal. Offshore servers are always available.

        Just playing devil’s advocate…

        But yeah, defiantly give them a hard time.

        1. @ArnoldStein,

          They’ll certainly have a problem with blacklisting. If you open up a nameless server somewhere, you’re going to have problems delivering hundreds of thousands of emails – some of the “gurus” are already experimenting with new tricks to increase the deliverability of their high-optout, high-complaint messages.

          1. @Clark,

            Considering the content contained within their emails, I would have no choice but to agree with you.

            The problem really isn’t a well-known server it has also has to do with their email content.

            And like you also said… They have high-complaints.

            Make money online keyword phrases are a red flag in email delivery.

            1. @ArnoldStein,

              IMHE, I have to agree with Clark. The servers are a bigger issue.

              The keywords will get the emails put in the spam folder, but that’s more or less on the email client side. Users can easily pull the emails out of the spam folder and add the senders to their approved lists. Scammers can also play around with the wording to increase deliverability.

              When the major free email providers – Gmail, Yahoo!, Hotmail, etc. – see even just hundreds of emails coming in suddenly from an unknown server, they’ll immediately blacklist that server. Emails won’t even be delivered to the spam folder. Sysadmins have to contact each email provider and request that their servers be removed from the blacklist, and then emails have to be sent again.

              As long as semi-reputable bulk email services accept their business, scammers don’t have to worry about those details. Worse, they get to use servers that mix their high-complaint emails with legitimate businesses’ low-complaint emails. That should really piss off legitimate customers; Infusionsoft and AWeber think it’s OK to drag down your deliverability so they can make money on MMO scams.

  8. Other Fun HSBC Facts:

    Fact 1:
    HSBC Frivolous Foreclosure Fun – multiply by some giant number as outlined by OCC Consent Order

    Fact 2: Ceridian + HSBC + PowerPay (payroll system not payment processing)…
    data from 27,000 at risk

    Best part from Fact 2 article:

    “Brian Q. Smith of Danbury, Conn., said his current employer doesn’t use Ceridian, and he was unsure to which former employer the letter referred. He also wondered at first if the letter was legitimate.

    “It looked like a scam to me,” Smith said. “Why don’t they just say it was a payroll breach, and here’s how to fix it? This long-winded letter reeks of a direct mail piece.”

    The Ceridian letter meets the requirements of the law, which says security breaches must be disclosed to those directly affected, Litan said. But some other companies involved in data breaches have done more for consumers, such as offering loss resolution services that help recover money or insurance against losses suffered as a result of the breach, she said.”

    Wonder if powerpay.biz side had the such excellent security controls in place, too.

    It all makes me think back to the days of credit or credit when some optimism floated up that predatory lenders wouldn’t be sold to predatory lenders.

    1. @Jack,

      Being a relative noob here, I was not familiar with the Credit or Credit post.

      Considering it was back in the archaic year of 2009, I was pleased to see that the Droid had the great courtesy to link to the Urban Dictionary to aid new visitors in deciphering the cryptic “FTW’ and “Doh!”.

      That made me lol.

      Srsly peeps… read it. It’s a lol:
      http://saltydroid.info/will-that-be-credit-or-credit/

      1. @zipnar ::

        Yeah that’s an old one :: can’t say that I’m exactly familiar with it either … hadn’t even finished making up my own fake gramatical conventions yet.

        But I already hated banks for their guilt :: so that’s nice … some things are forever.

  9. Salty… I think it’s comical how you think you’re considered a real threat to the gurus. You actually think when they get some email from you saying something like “Salty’s coming”, that they feel their business is in jeopardy? Seriously?

      1. @YEP, I’m friends with many of them. Hang out weekly. And I can tell you, any time this site has been brought up the response is almost always accompanied by indifference. Then jokes.

        At least to the ones I’m friends with; Salty is nothing more than an annoying dog who is all bark and has no bite.

        I think a big part of their indidference about this site is due to the market caring less and less – as seen by the steady decline of traffic over the last 6 months. If it keeps dropping like it has…

        1. @Bogus Name,

          Serenity and caution in the face of risk were never strengths of the guru crowd. If you make a lot of money in a short time without solid experience, something tells me you won’t be able to foresee when you’re going to lose it.

        2. @Bogus Name, “Hang out weekly.” Uh-Huh. Here’s your diagnosis: horseshit. SD must be so non-distracting, you forgot you were here commenting. Next…

        3. @Bogus Name ::

          I guess you’re forgetting that I also “hang out” with your heroes … so your wannabe posering isn’t very impressive.

          Come back three years ago and say that … at least it’ll pass the laugh test.

        4. @Bogus Name, I gotta tell you, Bogus (good name), you gave me a great laugh today. Thanks for that!

          The declining traffic you spoke of is evident throughout the industry. It coincides with two major events in our history — one being the great decline in the fucking economy, taking away everyone’s built-in ATMs…home equity and credit cards with room on them to charge shit — and Salty’s influence on those who do still have some money.

          I guarantee you, between the two, the effect has been devastating. A double-whammy. A perfect storm of decline making it harder and harder for the bozos to pull ’em in like they used to.

          Normally, in the “make money from home” industry, a decline in the economy drives more people to them. This time, the decline was so steep, so severe, and it’s been so long-running we’re seeing loads of people who used to pull it in like crazy tightening their belts, reducing their staffs, cutting and closing offices and hunkering down for a tougher go…if they stay in business at all. Turn Salty’s glowing robotic eye on their operations and they hunker in fear.

          You’re sadly just so wrong it’s funny. Thus the laugh.

        5. @Bogus Name,

          Naturally you try to minimize SD’s work and its effect on the conveyer-belt Internet fraudsters (a/k/a “co-conspirators”). And then you tell us they are indifferent to it and make it the subject of their jokes.

          Let me ask about your life: Has it been your experience that people “joke” about things when they’re “indifferent?”

          Do the long-suffering fans of the Chicago Cubs or Cleveland Browns “joke” about their teams because they’re “indifferent?”

          Let me share a theory: The conveyer-belt Internet fraudsters (a/k/a “co-conspirators”) are not “indifferent.” If they “joke” about SD, it’s because they care about what he’s doing. They care more than they’re comfortable acknowledging, so they seek to marginalize him — by suggesting to their collective of B-Team water boys that he’s “joke.”

          Some of them even may plant the seed that they’re going to sue the Droid. Suing someone is hardly a joking matter, so their internal inconsistencies and incongruities once again come full circle: They’re calling their prospective lawsuit target a “joke.” Even as they pretend to be “indifferent,” they plant the lawsuit seed.

          Here’s the shorthand that exposes the internal inconsistency: We’re so indifferent to this joke of a man that we’re going to sue him.

          Lotsa luck reconciling those competing images as you carry the B-Team water pail for the bad boys.

          JAB

        6. @Bogus Name,

          “… the response is almost always accompanied by indifference…”

          Right….and that’s why you’re posting anonymously….????

    1. @Bogus Name, Hmmm, maybe…
      “Bob’s coming”…no
      “Harold’s coming”…no
      “Fred’s coming”…no
      “Ned’s coming”…
      .
      .
      .
      “The Salty Droid’s coming”…yes!

    2. @Bogus Name,

      You douche. This site’s value doesn’t stem from keeping the so-called gurus up at night worrying about the SaltyDroid and their receding hair lines.

      No – it’s about consumer awareness. Something the FTC should get off it’s lazy ass and start doing for real. SD helps to inform the public about the insidious fraud that is perpetrated by all those involve.

      And hopefully – save them from being exploited, from losing their life savings, and, if they have fallen victim already, from being so easily duped again.

      How many people have you helped today? What have you done lately except hang out with a bunch of unkept, loser wannabes. Go take a look in the mirror.

      Then puke.

      Dumbass.

      1. @Irwin, Allow me to summarize what that means for Bogus:

        Less money.

        And even “less” less money with every new post and comment.

        Enjoy!

  10. doublespeak [reference.com]

    “Many of PowerPay’s professionals have decades of experience in the DR [Direct Response] industry.”
    . . .
    “While other funding companies feel that providing capital to a Direct Response business can be high-risk, requiring strict and limited program options, PowerPay Capital is different…”

    OMFG

    The level of doublespeak is overwhelming. Are you sure PowerPay’s CEO isn’t Saruman? “The words of this wizard stand on their heads.”

    Oh, btw–PowerPay is only rated B with the “Better” Business Bureau [bbb.org]. Somebody should tell PowerPay the need to give the BBB their $425 cut to get that A rating [absnews.com].


    Furry cows moo and decompress.

  11. @Wyrd – agreed. BBB is just a scam operation – more or less evil? – who knows – who cares. Their modus operandi is a plain conflict of interest.

  12. I like to make money selling internet marketing stuff and don’t see anything wrong with it. You can only ever be successful if you apply yourself and the simple fact of the matter is that most people are just too stupid and lazy to figure it out and they’d rather blame it on someone else than blame themselves. I’m a full-time internet marketer and make 6 figures a week, drive a lambo and have a hot chick half my age so go ahead and be jealous haters, LOL!

    1. @Mr. Awesome,

      Wow, leaving a comment like that anonymously on The Salty Droid is THE definition of cool in my opinion! You really make all that money, and everything is really going great, and you don’t see anything wrong with it…. And that’s why….you’re commenting…. anonymously….

    2. @Mr. Awesome,

      and make 6 figures a week

      Yeah, but what the fuck am I going to do with a lousy $55 of Colombian Pesos!

    3. @Mr. Awesome,

      Hey! Congrats on all that internet moniez! Sure sounds like you are doing great. And also, I really like how you not only said you’re super proud of making money selling a lie you were also able to throw in some sweet sexism while you’re at it.

      Anyway, I totally know what you mean. It’s so gross how any given woman actually gets OLDER every year. Why do we do that? I mean, you have to be at least 32, otherwise that hot chick half your age would be in high school. And I should probably warn you that that would be illegal. And I’m figuring she’s gotta be at least 21, otherwise she couldn’t legally drink and that might cramp your style when you are trying to take her out and show her off to people (cuz she’s really just for show, right? I mean, it’s not like she’s an actual whole person or anything.) Not like how men are anyway, amiright? So, yeah, you’re probably 40 and, we all know that women TOTALLY lose their value by 40, know what I mean? Because all of their value is in their youth and looks and ability to inspire boners in dudes, amiright?

      Anyway, just wanted to say congrats….and go fuck yourself.

  13. WOW! Just look at all you jealous losers the dum dum robot caters too. I like to remain annonymous because I don’t want to attract trash like yourselves around me.. I’m just too dam awesome for that. Yes, its true that women are worthless after about the ripe old age of 21, but again that’s why I’m awesome and you’re not.. You probably shop in Walmart too, LMAO! What a bunch of fucking sheep. Ba bjabjbabaaaaaaaa.

    Excuse me now while I go get a blowjob while your stir coffee or whatever it is losers do these days ;)

    Mr. Awesome

    1. @Mr. Awesome,

      Yeah, poor people are the worst! I don’t shop at Walmart but I’m thinking you wouldn’t approve of the places I do shop and now that I know how important it is to my value as a human being I better work on that. Is Costco ok? Romney said he shops at Costco and he’s rich. But maybe that’s not okay for me cuz I’m a lady person over 21.

      I do like your plan of not attracting trash like us around you by coming to the site we are at. You seem really smart and we are all just dum dum sheep. (BTW, “dum dum” refers to those tiny suckers that are horrible cuz the’re too small. By the time you start really enjoying it its already gone. “Dumb” refers to a person who isn’t too bright. Maybe that’s the word you meant. Anyway, you are clearly very smart. I feel like I learn a lot from you.

      I’m particularly interested in those sheep that say ” bjabjba”. I’ve never seen one of those. I’ll bet you know about them from taking expensive vacations with all your Internet moniez.

      1. @What the what,

        Staples has nice big suckers at the cash registers. Fuck it. If we’re worthless anyway, let’s binge on gourmet lollipops and brand name inkjet cartridges.

    2. @Mr. Awesome,

      Thank you for saving my hopes, Mr Awesome! I *knew* there was a good reason why you were posting anonymously, and you delivered it! It’s not because everyone here would laugh their asses off if they found out your name. It’s because you don’t want to deal with people like us. I can understand that. That’s why you….. keep coming back here…. to tell us you don’t want to talk to us.

      Anyway, you’re a fine example of success and you have a wonderful and stable personality. There’s nothing like the thought of getting a blow job to make you want to run off and insult people anonymously for doubting your awesomeness, is there. Really, everyone would do it in your position. Really. Only losers would just go off and get the blow job instead without thinking of robots and submission.

Comments are closed.