Each bank and each payment processor has a risk management department. Depending on the effectiveness of the risk management department the fees for their reinsurance is rising or falling. Don't forget you cannot buy money for a discount price.

As soon the behavior of an account differs too much from the standard behavior from the other accounts of the same kind (private accounts, merchant accounts, bank to bank accounts, etc.) the system gives an alarm and the account needs to get manual verified from the risk management department. If you are running a real business than such a verification is not really a problem. You explain your business, show the proves, that you are running a real and trustful business and you get immediately access to your account and funds again. Other is it if you are ignoring the call for documentation from the risk management of your bank. In this case your account will get suspended and you'll get not any access to your funds until you transmit the necessary documentation and your explanation get accepted from the bank or payment processor.

Additional are all your transaction getting scored in an internal scoring system. This scoring system is getting used for calculating your credit risk depending on the funds of the company, her behavior by doing transactions, the upcoming disputes and some other parameters. A good example for this scoring system is the spending limit from the credit cards.

As soon the risk management of one bank terminates your account you need even not try to open an account at another bank because your data are getting shared between the banks. At least in Europe is this the case. It does not make any difference if the risk are a few thousand Euros over the insurance limit from your scoring value or if you are trading in millions of Euros. As soon as you are customer with a high risk you can only use cash.

That Charles Scoville with his business called Trafficmonsoon is a very high risk can get shown in the screenshot below where Paypal has canceled his account. The important information is not the yellow marked part. The most important information is getting found in the first sentence where is written: "... the balance will be available 180 days after the information that no longer allows you to process payments ...". The reason for this limitation is that the dispute time is three months. Paypal does not like to take the risk to lose money if a dispute is arriving in the last minute. Click on the screenshot to enlarge it in the case you are not able to read it:

The above screenshot shows that the funds from Trafficmonsoon are not enough for Paypal for securing their transactions. For this reason the account from Charles Scoville - Trafficmonsoon got terminated.

Charles Scoville has even invented a new fairy tale for getting less disputes for the remaining funds at Paypal and for getting more money paid out after the end of the opposition period. He has published this new fairy tale at his blog on January 12, 2016:

Thank you for being a valued Traffic Monsoon member.

 

Video Message From Dubai:

https://youtu.be/yyb7LmUcCVw

 

As you already know from the video, I'm currently in Dubai. One reason for that is to setup an office in the World Trade Center Dubai. Part of this process is also setting up a bank here, and having an additional business registration here in the UAE.

 

We're transitioning from using PayPal to opening our own TM World Bank.

 

VIDEO: Processor Account Balances For Transition:

https://youtu.be/THV9AiCnYdY

 

Our goal with opening our bank is to send you TM MasterCards for easier access to your earnings! We'll also have complete control over the funds received by the company for revenue sharing, without any worry about the payment processors taking control of funds.

 

This will also increase quality of our services and reduce risk of click cheating, because with the bank we'll need to verify "Know Your Customer" documents to ensure that each member getting paid is uniquely different from all other members.

 

What this means for you if you use PayPal:

 

For the next 30 days you'll be able to still make purchases with PayPal. We're unable to process withdrawals through PayPal because funds will begin moving into Payza and our own TM World bank account to support withdrawal requests.

 

We do recommend that you start using Payza for purchases for now until we get the TM World Bank completed.

 

If you used PayPal for withdrawals, you'll be able to gain access to your funds with Payza instead during this transition.

 

There will be a space provided for you to enter your payza email address and begin making withdrawals of your earnings through Payza.

 

If you don't have a Payza account, get signed up for FREE here:

https://secure.payza.com/?ZtQ4708%2f1zX1PKE5FlvQlA%3d%3d

 

We'll be moving funds from PayPal to Payza, then our own TM Worldwide Bank.

 

Until the bank is finished getting setup, if you wish to make larger purchases unable to be processed through Payza or SolidTrustPay, you're welcomed to wire the funds to the following bank details:

 

SWIFT CODE: CHASUS33

NAME OF BANK: JP Morgan Chase Bank

ADDRESS:

2610 S STATE ST

SALT LAKE CITY, UT 84115

BANK ROUTING: 124001545

ACCOUNT #: 734785868

 

Charles Scoville

My Address:

4927 Murray Blvd

Apt Z9

Murray, UT

84123

The problem on this story is that even a bank need to have accounts on other banks and at this accounts have to be funds. Charles Scoville does not have some funds and other available values. Would he have some funds than he would have shown it to Paypal and his account would not get terminated. A company, which is running into problems with a bank, would not say it in public for avoiding negative publicity. Such a company will use the available funds for securing their transactions. The same way nobody is able to open a bank anywhere on the world without having some money. You need to have money or properties for securing all of your transactions. There is no difference if you are a private person, a company or a bank.

With the rejection from the risk management department of Paypal Charles Scoville's data will get found at the secret high risk customer list which gets exchanged between the payment processors and banks. For this reason he will not get any new account at another bank or payment processor.

The offered payment method from Trafficmonsoon with Payza is very risky too, because Payza is already subject of investigations of the U.S. Department of Justice. There is written at https://www.justice.gov/usao-dc/victim-witness-assistance/obopay-payza:

Obopay/Payza

"The United States government, including Homeland Security Investigations and the Washington, D.C. Financial Crimes Task Force, is currently conducting a criminal investigation. As part of that investigation, the United States Attorney's Office for the District of Columbia has requested a United States District Judge to pause current civil litigation relating to Payza and Obopay. The Judge has paused the litigation until January 22, 2016. Shortly after that date, additional information will be made available on this website about the status of this investigation.

If you have questions or concerns about your Obopay or Payza account, please email USADC.OBOPAYZA@usdoj.gov or call 202-252-1903. Please include your name, email address, and contact information in your message. Someone will respond to your email or call within 3 business days.

Updated October 21, 2015

How much in need of money Charles Scoville is, gets shown in his blog posting, where he is even using for the Payza promotion his referral link https://secure.payza.com/?ZtQ4708%2f1zX1PKE5FlvQlA%3d%3d. By opening this link appears at the signup page "Referred By AdPageViews". The system from adpageviews.com collapsed last year between July and September. The Alexa statistics from adpageviews.com is showing this:

The same way will take now Trafficmonsoon. The referral program from Payza:

With our referral program, you can earn money by referring others to Payza. You will be paid $5 USD for the first 10 people you refer to Payza. After the tenth person, you will receive $10 USD for each referral. You will receive your reward money if your referral signs up for a Personal or Business account through your referral link and transacts at least $250 USD. When they fulfill these qualifications, you will be paid through your Payza account within 30 business days.

If you are comparing the system from Trafficmonsoon and AdPageViews with the system from AdSurfDaily than you will not find big differences. One fact about AdSurfDaily can get found:

Ad Surf Daily | USAO-DC | Department of Justice

www.justice.gov/usao-dc/victim-witness-assistance/ad-surf-daily

This website has been established by the United States Department of Justice to assist victims of the Ad Surf Daily Autosurf Ponzi schemes.

That Trafficmonsoon is nothing else than a Ponzi scheme gets shown by the fact that you have to buy AdPacks, click on it and shall get for a $50 AdPack $55 in return. The problem is only that not one advertiser is so stupid and buys advertisements from such a system. For this reason you'll find only the advertisements from the traffic exchange and from a few scammer in the system from Trafficmonsoon. How you'll get the additional $5 earnings in this case? These earnings are coming from new members. As soon not enough new members are buying AdPacks the system will collapse.

Think about it why Charles Scoville hides his identity at the domain registration for all his domains and is now publishing in his blog his address and his bank account? For the domain registration he needs to publish even less information as he has published now. Does such a behavior is making any sense? Maybe the state attorney is now happy because he needs one signature less from a judge for his investigations.

That even the scammers are not so stupid and invest into a collapsing system is getting shown at the screenshot from the Cash Links taken on December 6, 2015:

Compare it with the screenshot from the Cash Links taken on January 27, 2016:

For all this reasons shown above you can be sure that Charles Scoville with his Ponzi scheme Trafficmonsoon tries to win time for maximizing his own earnings. As less people are filing a dispute at their payment processor as more money Charles Scoville will get paid out. Trafficmonsoon will never return because the people will not trust again. All excuses and fairy tales Charles Scoville is publishing have the only purpose to win time and to reduce the amount of people filing a dispute.

Everybody, which has made a payment during the last two month and did get nothing in return, should file a dispute. These ones, which have reinvested all their money, have now lost their amounts.

Last week I have sent a support request about missing cash links to the support from Trafficmonsoon. I got the answer that the cash links are ordered from their members and are getting distributed on a first come first serve principle. Maybe the support staff did not take a look at my logins. As I have nothing else to do I'm normally visiting each Pay To Click site three times a day. If there are at least not once a day some paid clicks available the site has normally some technical problems. Such technical problems had Trafficmonsoon already many times as their programmers are testing their changes on the production system and they don't have some systems for testing. Normally Trafficmonsoon had delivered after their technical problems more cash links for a few days for compensating the losses of their members. For this reason has been the answer from the support staff been surprising and Trafficmonsoon is during the last few days only delivering fractions of cents as daily earnings for their members.

Before a company is running into bankruptcy is the company trying to rescue themselves with all available possibilities. As more the company is running into troubles as more unbelievable is coming their promotion for winning new customers. In the case of Trafficmonsoon.com is it the same with the following screenshot of their promotion (click on the picture to see it full size if necessary):

The above screenshot has been taking from a landing page from trafficmonsoon.com (http://ptclandingpage.com/trafficmonsoon.html - link removed as domain does not exist anymore Jan. 18, 2017). It is not the page from a user of Trafficmonsoon because the referral link is missing. The page got advertised at Clixsense.

The disclaimer in the brackets near to the promoted earnings of $10.395 in a month, which says that "Results not typical. This proof of income is not a guarantee you would earn the same, but would be possible to earn this and more with equal or greater strategy and work ethic." is already confirming the misleading promotion and the scam.

If we take the FAQ from Trafficmonsoon, we'll find there as highest income example: "1000 referrals X $0.10 earnings from cash links X 30 days = $3,000 from your referral clicks". That means to reach a payout from $10,000 you need to have 3,333 referrals! I think everybody knows how difficult it is to find and to keep referrals in such systems.

The British statesman Sir Robert Walpole (1676-1745) has been the first Prime Minister in British history. From him is coming the proverb: "Every man has his price." Think now about it if such a company has 20 members which have 3,333 referrals each and each of this referrals would have in average 10 referrals and calculate the monthly payout for 3 level down:

If we are honest with ourselves, who would not think about a way to disappear for less than 44 million dollars instead of paying it to the members?

In the above example are only the 20 Top level members earning $ 10,000/month. The members of the 1^st and 2^nd level are only earning $ 33/month and these one from the 3^rd level only $ 3/month. Such a construction is very unstable and a lot of members would get lost in a short time.

To generate such earnings you need to find companies which are buying from you 7,399,280 * 10 advertisments per day * 30 days per month * (2,219,784,000 advertisements) for the paid advertisements and the same amount again for the unpaid advertisements which a user has to click for earning from his referrals (in sum 4,439,568,000 advertisements).

In the above payment model needs to get each of this advertisement to get paid with $ 0.02 for paying the clicker with $ 0.01 and his referral with $ 0.01 as the owner from Trafficmonsoon makes the job just for having fun. You'll find that information at their Ad Plans site:

Basically
$1.00 => 50 visitors = $0.02 per click. $0.01 goes to clicker, and $0.01 goes to sponsor
Visitor remains on your site 30 seconds

$1.00 => 25 visitors = $0.04 per click. $0.02 goes to clicker, and $0.02 goes to sponsor
Visitor remains on your site 60 seconds

To qualify for referral click earnings from these links, you must have clicked a minimum of 10 ads in the traffic exchange within the last 24 hours.

As Trafficmonsoon is not earning with the cash links, they are not interested to get some and for this reason is Trafficmonsoon the members cheating with cash links, which are expired just at the moment as the member has to enter the confirmation code after seeing the advertisement (click at the picture for full size):

Such advertisements can get easily identified. They are appearing in the top left corner of the advertisement list and are mostly higher priced to lead members to click on them. If you don't click on them they are disappearing by themselves after 2 or 3 other clicked advertisements. You can avoid them by start clicking in the middle of the offered advertisement list or by starting to click at the lower right end of the list.

The behavior of this advertisements with the message "Sorry, ad expired" shall look like a programming failure, but is in reality the way how Trafficmonsoon is making money by scamming their users and financing their own expenses from the cash links. it does not make any sense for Trafficmonsoon to show their own site at the cash links because the user is already a member. The Alexa system cannot get impressed by it, because the user is already at the site and the advertisements are getting shown only in a frame. Such a paid advertisement gets shown in the following screenshot - frames inside a frame (click on the pic to enlarge):

Another way Trafficmonsoon is making money with cash links is with wrong captchas. I have written already in the article "TrafficMonsoon - seems got programmed from absolutely beginners - even the captcha is not working correctly" about it. From time to time you get the error message "Wrong Click!" but you have really entered the captcha correct:

If this happens to you, simple close the browser window, open a new one, go to https://trafficmonsoon.com/member/overview.php and watch the advertisement again. You'll get a new captcha, which is working.

At first I have been thinking that these are the errors from underpaid programmers or programming beginners, but as we can see has the madness a method and a reason - making money for the owner of Trafficmonsoon!

Trafficmonsoon has the opinion to watch their count-down bar is more important than to scroll down at the advertisement. This contradicts their sentence at their offer of paid clicks, where is written: "Cash links are a great way to show other members what else you're involved with, and invite them to join you.". In this case I remember only the following quotation: "Please forgive them, they are not knowing what they are doing.":

Another nice advertisement is the following one. I don't think that anyone pays to show an empty page and pays $0.02 for viewing it:

The owner from trafficmonsoon.com likes even to impress with false information. In the following screenshot he likes to impress with the huge amount of traffic they are receiving or generating. The problem is only that nobody shall believe this because if the webserver can show the content of this site then he would be able to show the real content too. Overloaded webserver are acting different by simple stopping sending some responses to the browser and not a sorry message like in the following screenshot shown:

Coming back to the calculation example from the beginning where we need around 4 billion advertisements viewed to reach the monthly income of $10,000 for 20 people each. Let us take a look where the traffic from Trafficmonsoon is getting generated. A view at the Alexa global ranking - Adience Geography tell us the following:

We see in the screenshot above that the main traffic from Trafficmonsoon is coming from the "poor" countries Russia, India, Ukraine, Brazil, Mexiko, etc. Sure advertisement is getting done all over the world because companies like to sell their products. But are these companies from these countries spending between $ 0.02 and $ 0.04 per view? Like shown above is the generated traffic useless because members are even not allowed to scroll inside the page. The most viewers from the advertisements are only interested to get paid and not into the product. For this reason is Trafficmonsoon a closed system, which does not get accepted from the advertising industry. I see how one advertising company would tease the other one with the words: "You really need already to pay that someone is watching your advertisements?". Sorry, but here is it going about the reputation from the advertising and creative industry. Already for this reason you'll not find some real advertisements at the Pay To Click (PTC) websites.

You'll find only advertisements from the kind of getting quick rich at the Paid To Click (PTC) sites. Some users are hoping to find some people which are more stupid than themselves and are paying for a dream. These stupid ones are already less accessing the system from trafficmonsoon.com like it get shown in the Alexa global traffic statistics:

The above Alexa global ranking of the website trafficmonsoon.com shows us the flash in the pan from the rise and fall of Trafficmonsoon. During the last three months has Trafficmonsoon 194 places lost in the global ranking of the world wide websites.

If we take a look at the next screenshot where the question "How engaged are visitors to trafficmonsoon.com?" gets answered, than we see that the pageviews per visitor got reduced more than 52% during the last three months and the bounce rate increased with 4% in the same time:

The search traffic for Trafficmonsoon increased during the same time by 7%, but take a look which keywords are getting used to find trafficmonsoon.com. The search traffic is only coming from visitors, which are too lazy to enter the full web address for trafficmonsoon.com:

As expected is the most of the traffic for trafficmonsoon.com coming from Google, Facebook and other Paid To Click (PTC) sites. That means a lot of people are getting paid at clixsense.com and neobux.com for viewing the advertisements from Trafficmonsoon:

As a lot of advertisements with fake screenshots of earnings are done for Trafficmonsoon in the social networks, I like to show my real earnings (not edited) from trafficmonsoon.com for daily clicking on their ads since a few months:

Charles Scoville calls himself to be the CEO from Trafficmonsoon. If it is true or not cannot get verified because the site trafficmonsoon.com is registered with a hidden ownership. Which kind of person Charles Scoville is gets shown at his other domains with the names charlesscoville.net, charlesscoville.org and charlesscoville.com. In my opinion is he a man with an exaggerated craving. This gets shown already at the chosen domain names, where he likes to build up a brand by using his names. This would be difficult because he has been the owner of the following sites, which got already shutdown:

• adscashfast.com
• banrev.com
• buxsecure.com
• buxunleashed.com
• eternalifebux.com
• foreverbux.com
• freehitxchange.com
• inboxbux.com
• infinitybux.com
• powerfulbux.com
• trophybux.com
• tviptc.com
• ulaunchformula.com
• ultimatepowerboost.com
• wealthenginex.com

Trafficmonsoon is a closed system, where the members of the system are generating useless traffic for each other. The system is nothing else than a Ponzi scheme which will break down as soon as not enough new members are joining it to pay the existing members. Trafficmonsoon promises 10% earnings in a short time for the investor and 10% earnings for the referrer of the investor.

Scammed victims from Trafficmonsoon are getting found at Google. Under these victims you can find Shoemoney with a loss of $125 too.

Other reviews about Trafficmonsoon can get found at:

• Ethan Vanderbuilt - Traffic Monsoon Scam? Yes It Is In My Opinion!
• Tara Talks - Traffic Monsoon - SCAM
• Unleash the Wealth Within - Shocking: How Quickly Traffic Monsoon’s Money Pool Will Dry Up and Leave You Hanging to Dry. Warning! Do not Invest Until You Have Read This
• PTCCentral - Trafficmonsoon - Review
• and a lot more sites found at Google

At Facebook we find a page where 12 hours ago got written:

Still no news from that infamous PayPal meeting yet!
Why don't you phone them up Charles, like an enterprising lady called Jane who contacted Paypal in Australia directly.
Guess what they told her?
PAYPAL HAVE FROZEN TRAFFIC MONSOONS ACCOUNT.
Not exactly how Charles told it is it? Remember? He said he VOLUNTARILY LEFT THEM. Lies. Lies. Lies!
But don't take our word for it, PHONE PAYPAL yourselves!

Facebook postings need to get carefully interpreted. Especially if the author hides himself behind a pseudonym like in this case. For the case if it is true what is written there than Trafficmonsoon has already a big problem. Paypal does not freeze an account without reason.

It seems that the scammer Gerardas Norkus is running with his domain paid-to-read-email.com a lead generation system for other scam and malware sites. The scam gets already found at the faq's of the website paid-to-read-email.com. In these FAQ and his terms and conditions he thinks that he can stand over the law of the European Union. The site paid-to-read-email.com is registered in Lithuania and Lithuania is a member of the European Union. For this the scammer Gerardas Norkus has to respect the ecommerce law and the consumer protection law of the European Union. Maybe the scammer thinks that Lithuania still belongs to the formerly USSR. It would be time for him to wake up from this dream.

The scam from Gerardas Norkus on the site paid-to-read-email.com can get easily identified. He declares in the FAQ that the minimum payout is $15. You'll get for each email you'll read between $0.01 and $0.05. The scam gets found in that what he calls "garanteed paid emails (GPE)". That are only 100, which have in sum a value of $1. Together with the $3 sign-up bonus and the paid emails you'll reach only a maximum value of $4, which is far under the minimum payout of $15. You can increase your GPE factor by completing some surveys or offers. The problem is only that there are no offers on the site and the survey links are leading to scam, phishing, virus and malware sites. As it is a requirement in his offer to complete such surveys is he in front of law liable for the content of the sites including the scam, phishing, viruses and malware! This responsibility cannot get excluded by writing some statements on a website because it is a part of his business.

Here are the FAQ of the page paid-to-read-email.com. If you read them with an open mind then you'll get it that you get guaranteed NOT PAID: 

What is Paid To Read Email®?
Paid To Read Email® is an online rewards community where you can earn money for reading emails, taking surveys, completing offers, referring friends and more! You can also choose to earn points that are redeemable for gift cards, guaranteed™ paid emails (GPE) and more.

Here gets already the first part of the scam found. You have to buy the "guaranteed paid emails" with your work. With other words you are paying with your workforce the scam.

How does Paid To Read Email® pay me to read email?
Paid To Read Email® will pay you $0.01 - $0.05 for every paid email that you confirm. Simply follow the instructions in the paid email you receive, and your account will be credited! Note that you won't be credited for reading paid emails if your guaranteed™ paid emails (GPE) are expired.

In this case the scammer Gerardas Norkus likes to burden his duties to the consumer. The problem is only that this is against the consumer protection law of the European Union. As soon as the the customer of his site - it does not make any difference if the offer is free of charge or not - does a job, in this case reading of an email as offered, the customer has to get paid.

How and when will I be paid?
Member commissions shall be paid by PayPal. Payments are processed within three (3) business days upon request, however your first time payment is processed on a net-15 basis. This means that your first payment will be processed 15 days from the end of the month in which you requested payment. This waiting period is necessary in order to prevent online fraud. Member commissions must exceed $15 in order to receive payment. Commissions earned during any month less than $15 will be carried over into the following month.

In the above statement the stupid scammer Gerardas Norkus does not know that he has to pay by law in any case as soon as the consumer has seen the counter. A printout of the page where the amount is written is enough evidence for the law court.

You are able to calculate how long it will take until you get a payout by the fact, that I have gotten exactly 0 (zero) paid emails within 24 hours after signing up for the service. The scammer hopes that the people will take the trap with his malware sites if they are not able to earn something.

Why was I not credited for reading paid emails?
You won't get credited for confirming paid emails if your guaranteed™ paid emails (GPE) are expired. You can see your current GPE amount when you login to your account and go to Earnings page. You can increase your GPE by taking surveys and offers, or by earning points and redeeming them for GPE.

Note that the higher paid email rate you have selected in your profile the faster your GPE will expire.

Like it is written before already, the customer has to get paid as it offered. The idea that the scammer can let the customer working free of charge confirms the scam!

Why was I not credited for surveys and offers that I completed?
There are several possible reasons for not getting credited in your account. Note that Paid To Read Email® does not credit member accounts for completing surveys and offers. This process is handled by the advertiser companies who hosts and maintains all of the surveys and offers. The company who credits the surveys and offers has the final say in whether or not you are credited, and reserves the right to refuse a member credit for a survey or offer for a variety of reasons, including, but not limited to, lack of appropriate information, improper sign-up, improper browser settings, and/or a history of manual credits. If you do not see the credit in your account, that means that Paid To Read Email® did not receive credit either, and we therefore cannot pay you.

Even here is the scammer Gerardas Norkus wrong. As the surveys from other companies are a part of his offer is he liable for the payment of his customers. It does not matter if he gets some money for the work of his customers for another company or not. He is even liable for the promises of the other sites! 

Scamadviser reports about the site paid-to-read-email.com:

Technical contact email address is a free one
Administrative contact email address is a free one
This website is associated with a risk site
This website setup involves countries known to be high risk
This website is likely to be operating from a high risk country

This site has a high risk country associated with it. This may be as you expect but care should be taken if purchasing an item from a site that you didn't expect to be associated with the countries listed above. Certain countries are listed as being high risk because of the high percentage of online fraud or tendency to send fake/replica items.

Free email addresses have been used in the setup of this website. This is not necesarily worrying, depending on the site. For online shops, this can be a sign that the site has some risk

In the following list you'll see for which sites the scammer Gerardas Norkus makes lead generation. Each of the survey sites from his member section generates an Adguard and a security warning from 360 Total Security. As the Adguard warning come first on my computer and to keep the list short I have copied here only the Adguard warnings: 

Adguard has blocked access to this page

This web page at survey.saysoforgood.com, has been reported as a phishing page and has been blocked based on your security preferences.

Adguard has found that this page may be a forgery or imitation of another website, designed to trick users into sharing personal or financial information. Entering any personal information on this page may result in identity theft or other abuse.

I'll recommend everybody to use some protection like Adguard and a good virus scanner like 360 Total Security for visiting a website the first time. It shows you not only the danger of site it protects your computer against malicious software.

Adguard has blocked access to this page

This web page at www.paid-surveys-at-home.com, has been reported as a phishing page and has been blocked based on your security preferences.

Adguard has found that this page may be a forgery or imitation of another website, designed to trick users into sharing personal or financial information. Entering any personal information on this page may result in identity theft or other abuse.

Scamadvisor says about paid-surveys-at-home.com:

This website has been reported as being untrustworthy
This website/business has been given a low reliability rating by other websites
This website is deemed to be popular by Alexa with a ranking of 45904

Scamadviser has detected negative online feedback associated with this company so you may want to do further checks

Additional user information about paid-surveys-at-home.com and their use about fake news sites can get found at Web Of Trust (WOT).

Adguard has blocked access to this page

This web page at www.freelotto.com, has been reported as a malware page and has been blocked based on your security preferences.

Adguard has found that malicious software may be installed onto your computer if you proceed. If you've visited this site in the past or you trust this site, it is possible that it has just recently been compromised by a hacker. We recommend you to not proceed or try again later.

Scamadvisor reports about freelotto.com:

This website has been reported as being untrustworthy
This website/business has been given a low reliability rating by other websites
This website is deemed to be popular by Alexa with a ranking of 3233

Although this website appears to be based in United States there are other countries involved and you should review this information carefully and decide if it is as you expect.
Scamadviser has detected negative online feedback associated with this company so you may want to do further checks.

You'll find at Web Of Trust (WOT) actual 26 pages from users about the scam, phishing and virus/malware distribution from freelotto.com.

Other domains with negative reputation from the scammer Gerardas Norkus are:

• adnetmarket.com
• cash4offers.com
• mooladays.com
• paid-to-read-email.com
• paidemailbusiness.com
• quickpaysurvey.com
• surveysemail.com
• typistjobs.net

How Gerardas Norkus is scamming you if you are signing up can get shown on a complaint at RippOffReport about his domain cash4offers.com:

Cash4offers - Gerardas Norkus this guy is ripping people off and must be stopped ripoff Lithuania Internet

this guy is ripping people off and must be stopped. after i signed up and completed offers using my credit card i had over 50 dollars in my account (which you need before you can request a check to be sent to you). now i cant logg on my account is blocked. after l search this guy he has his fingers in alot of scams. fake cds how-to-get rich scams. im taking this action further! also more paid survey sites, which im guessing all these sites belong to him after i searched them and found his name behind most of them.

dont sign up for nothing. dont give credit card info, search bb because this is where im going next to report him. one thing to this scum> stay in your own country and hide behind your dark corner!! all good things come to a end!

angel
very mad and taking it further, District of Columbia
U.S.A.

That the above complaint is not a revenge from an unhappy user gets shown on the report and rating of cash4offers.com from the U.S. Better Business Bureau. This report shows too that it does not help against the authorities to hide the domain ownership behind some privacy services.

Domain registration data from paid-to-read-email.com:

Domain Name: PAID-TO-READ-EMAIL.COM
Registry Domain ID: 143620425_DOMAIN_COM-VRSN
Registrar WHOIS Server: whois.godaddy.com
Registrar URL: http://www.godaddy.com
Update Date: 2014-12-30T11:30:38Z
Creation Date: 2005-02-23T16:15:45Z
Registrar Registration Expiration Date: 2016-02-23T16:15:45Z
Registrar: GoDaddy.com, LLC
Registrar IANA ID: 146
Registrar Abuse Contact Email: abuse@godaddy.com
Registrar Abuse Contact Phone: +1.4806242505
Domain Status: clientTransferProhibited http://www.icann.org/epp#clientTransferProhibited
Domain Status: clientUpdateProhibited http://www.icann.org/epp#clientUpdateProhibited
Domain Status: clientRenewProhibited http://www.icann.org/epp#clientRenewProhibited
Domain Status: clientDeleteProhibited http://www.icann.org/epp#clientDeleteProhibited
Registry Registrant ID:
Registrant Name: Gerardas Norkus
Registrant Organization:
Registrant Street: Kvieciu g. 4 - 23
Registrant City: Vilnius
Registrant State/Province: Aukstaitija
Registrant Postal Code: 08438
Registrant Country: Lithuania
Registrant Phone: +370.60009470
Registrant Phone Ext:
Registrant Fax:
Registrant Fax Ext:
Registrant Email: gndomains@gmail.com
Registry Admin ID:
Admin Name: Gerardas Norkus
Admin Organization:
Admin Street: Kvieciu g. 4 - 23
Admin City: Vilnius
Admin State/Province: Aukstaitija
Admin Postal Code: 08438
Admin Country: Lithuania
Admin Phone: +370.60009470
Admin Phone Ext:
Admin Fax:
Admin Fax Ext:
Admin Email: gndomains@gmail.com
Registry Tech ID:
Tech Name: Gerardas Norkus
Tech Organization:
Tech Street: Kvieciu g. 4 - 23
Tech City: Vilnius
Tech State/Province: Aukstaitija
Tech Postal Code: 08438
Tech Country: Lithuania
Tech Phone: +370.60009470
Tech Phone Ext:
Tech Fax:
Tech Fax Ext:
Tech Email: gndomains@gmail.com
Name Server: NS1.ADNETMARKET.COM
Name Server: NS2.ADNETMARKET.COM
DNSSEC: unsigned
URL of the ICANN WHOIS Data Problem Reporting System: http://wdprs.internic.net/
>>> Last update of WHOIS database: 2015-11-08T12:00:00Z <<<

For the case that hqbux.com has not been created for scamming people they are after two months already bankrupt. I think more that all the PTC sites, which are selling adpacks or giving referrals for rent, are running only a Ponzi scheme. With other words the members, which signed up earlier are getting paid from the membership fees of the new joining members. Such a system breaks down as soon as not enough new paid members are signing up. In the case of hqbux.com has been coming the breakdown very early. It shows that they even did not know how to make a marketing of their own site.

Advertising companies are not investing into PTC, because they don't like to trash money. They like to get as much as possible return for their advertisements. A PTC user is only looking at the advertisements because he gets paid for it. Such a user will not come a customer. If you are looking at some PTC providers then you'll see only the advertisements from other PTC sites and from some sites, which are getting some free impressions. If you are looking at the domain creation dates, then you'll find very seldom a PTC site, which is older than one year and all of them are using a domain privacy service for hiding the domain ownership. If someone is investing money into such a shame business then he is guilty by himself if he is losing money. Nobody should be so stupid and trust only to the promotion of the site where ROI's (Return of Investment) in a short time and earnings of 150% and more offered. Would it be true then nobody would do some normal work and the manhood will die from hunger.

That the investment promises are even not worth the time to read gets shown if we take a look at the promotion of another and olcer PTC site with the name Buxvertise. Buxvertise has written on their page that they have 240,674 members which earned $420,047.15. The sum is nice, but if we take a closer look then have in average each member until now earned $1.7453 - less than one dollar and seventyfive cents! The domain buxvertise.com is 1 year and 200 days old.

A similar result we'll get if we are looking at the promotion from ultimateclix.com. At their own promotion is written that they have 161,081 members and have paid $267,367.44 to them. That is in average $1.6598 for each member since February 2014!

If someone invests money into such a business then he should go first into a madhouse for a check-up. I think they will keep him there.

We'll find a post at the forum of hqbux.com (http://www.hqbux.com/forum.php?topic=56033&orderby=date&sortby=ASC&p=15) October 27, 2015 10:01 followed from a lot of flames of their members:

Dear HQBux Members,

It is with an upset and discouraged heart that I announce to you all that as of yesterday, my PayPal accounts became limited. I missed their call, but I received their email and it stated:

Quote:
As part of our commitment to providing the best possible experience for buyers and sellers, we perform routine reviews of merchant accounts.
Your account has recently been reviewed by our merchant team due to the following:
- Increase in volumes processed
- Increase in buyer claims/chargebacks/refunds
- Change in business activity
- New processing activity
We tried to call you on 25/10/2015, but we couldn't reach you. To allow time to review this in more detail, we've temporarily limited what you can do with your account until you submit the information you need to provide and take the actions listed.

PayPal is limiting accounts only if there is something suspicious happening. Each payment processor and each bank has a fraud detection system to protect their own service. As more problems with one account are coming up as earlier the alarm bells are ringing. In the case of hqbux.com is even the above statement only an excuse and not really the reason as we see from the posting from other members:

Posted 2015-10-27 at 10:23 by decogen002:

Because admin delay payment should they haven't the patience. TOS up to 7 days payment but you don't processing, delay more 7 days. Since Oct 1 I not receive any payment, payza payment cancel twice, paypal payment delay. Yesterday instantly payza payment but only 1 day, i can't cashout because i must waiting more 1 day. I invested 430$, received 9$. I very disappointed. Sorry for my english.

That the PayPal problems are only a put-off shows us the next posting. There is a member, which got paid each time from a different PayPal account. For the case if PayPal has really limited one account of hqbux.com remains the question: Why they are not using another account for paying the members? Each trusted businessman will try to keep up his reputation by doing everything to have happy members. As soon as the promised service (payment) will not come to the members the members will destroy the reputation of the business.

Posted 2015-10-30 at 02:55 by bearbux

I agree that many sites has been destroyed by members.
But in your case it is only your fault.
I have received 5 payments, and all 5 from different PayPal accounts. It absolutely against all PayPal rules. This what are you doing is ridiculous. They will not restore your account. Say goodbye.

How stupid the users of the Internet are is shown by the posts from the user Falkonety. He has invested into an anonymous site, which is less than two months old $800. He is guilty by himself for his loss, because he has nothing where he can make a claim. He even does not know with whom he has made a business and in which country the scammer is to find. He knows that "a lot of PTC sites are SCAM" and invests $800 into an anonymous service:

Posted 2015-10-27 at 15:25 by Falkonety

In the last time a lot of PTC sites transform in to SCAM . you can't tell anyoane to close dispute with Paypal if you don't payd them. for example with buxept i was invested $800 and now is a scam site , if i was closing all the claims to paypal now $800 will be gone from my pocket. nomebody can't trust nomebody. it's hard time , and i hope nowone will close paypal claims because we don't know if you will run with money like others.

I hope you will resolve by yourself and protect your own site. disable instant payments and review all your next payments

And the last thing PAY US , SINCE 2 OR 3 WEEKS AGO WE TRY TO CASHOUT WITHOUT RESULTS.

I HOPE YOU WILL NOT DISSAPOINTING US LIKE OTHERS ptc SITES

Posted 2015-10-27 at 18:40 by Falkonety

ADMIN THE LAST QUESTION BECAUSE I LOST ALREADY A LOT OF MONEY TO PROMOTE YOUR SITE , EVEN YOU DON'T PAY US FOR REFERRAL CONTEST , I CAN'T MAKE ANY CASHOUT ..... WHEN YOU WILL PAY US , BECAUSE IF YOU DON'T PAY IN THE NEXT 4 DAYS I WILL MAKE A CLAIM TO PAYPAL.

I'M SEEK AND TIRED FOR ADMIN COMPLAINS , BUXEPT NOW SCAM , CLIXMANSION NOW SCAM AND MORE AND MORE AND MORE ....

I HAVE TICKET SUPPORT , NO ANSWER AND IS NOT ABOUT PAYMENTS , WHEN WE RECEIVE OUR MONEY FROM YOUR CONTEST AND WHEN YOU WILL PAY US

Here are the domain registration data. The domain got created on August 2, 2015 and from the above postings we know that they could not pay their members since the begin of October:

Domain Name: HQBUX.COM
Registry Domain ID: 1950622184_DOMAIN_COM-VRSN
Registrar WHOIS Server: whois.godaddy.com
Registrar URL: http://www.godaddy.com
Update Date: 2015-08-02T08:40:42Z
Creation Date: 2015-08-02T08:40:42Z
Registrar Registration Expiration Date: 2020-08-02T08:40:42Z
Registrar: GoDaddy.com, LLC
Registrar IANA ID: 146
Registrar Abuse Contact Email: abuse@godaddy.com
Registrar Abuse Contact Phone: +1.4806242505
Domain Status: clientTransferProhibited http://www.icann.org/epp#clientTransferProhibited
Domain Status: clientUpdateProhibited http://www.icann.org/epp#clientUpdateProhibited
Domain Status: clientRenewProhibited http://www.icann.org/epp#clientRenewProhibited
Domain Status: clientDeleteProhibited http://www.icann.org/epp#clientDeleteProhibited
Registry Registrant ID:
Registrant Name: Registration Private
Registrant Organization: Domains By Proxy, LLC
Registrant Street: DomainsByProxy.com
Registrant Street: 14747 N Northsight Blvd Suite 111, PMB 309
Registrant City: Scottsdale
Registrant State/Province: Arizona
Registrant Postal Code: 85260
Registrant Country: United States
Registrant Phone: +1.4806242599
Registrant Phone Ext:
Registrant Fax: +1.4806242598
Registrant Fax Ext:
Registrant Email: HQBUX.COM@domainsbyproxy.com
Registry Admin ID:
Admin Name: Registration Private
Admin Organization: Domains By Proxy, LLC
Admin Street: DomainsByProxy.com
Admin Street: 14747 N Northsight Blvd Suite 111, PMB 309
Admin City: Scottsdale
Admin State/Province: Arizona
Admin Postal Code: 85260
Admin Country: United States
Admin Phone: +1.4806242599
Admin Phone Ext:
Admin Fax: +1.4806242598
Admin Fax Ext:
Admin Email: HQBUX.COM@domainsbyproxy.com
Registry Tech ID:
Tech Name: Registration Private
Tech Organization: Domains By Proxy, LLC
Tech Street: DomainsByProxy.com
Tech Street: 14747 N Northsight Blvd Suite 111, PMB 309
Tech City: Scottsdale
Tech State/Province: Arizona
Tech Postal Code: 85260
Tech Country: United States
Tech Phone: +1.4806242599
Tech Phone Ext:
Tech Fax: +1.4806242598
Tech Fax Ext:
Tech Email: HQBUX.COM@domainsbyproxy.com
Name Server: ARYA.NS.CLOUDFLARE.COM
Name Server: WEST.NS.CLOUDFLARE.COM
DNSSEC: unsigned
URL of the ICANN WHOIS Data Problem Reporting System: http://wdprs.internic.net/
>>> Last update of WHOIS database: 2015-11-02T23:00:00Z <<<

Update November 12, 2015: hqbux.com is now a confirmed scammer site. They have turned now off their forum that you are not able to read their own warning. With other words they are now scamming intentionally. The public prosecutor will be happy about this action!

If you click at the link "Please read up on HQBux's Latest News and Updates!! (Updated 10/27/2015)" you'll get redirected to the startpage of hqbux.com (http://www.hqbux.com/index.php).

It seems that the scammer does not believe that his game with this site is already over! That the cheated users cannot find him he uses a privacy protection service for the domain hqbux.com.

The scammer Matteo Melandri invests a lot into the Clixsense program to show some traffic to his scammer site 0daybux.com. It seems that he believes that members of paid to click programs are so stupid and believe into his unbelievable promotions.

The only purpose of paid to click sites is only to get traffic for showing at the Alexa global ranking and similar sites that the site gets visited and is not a big secret in the world wide web. The result of such a paid to click program gets shown on the screen shot at the right site. To see the full details simple visit the Alexa site.

The offer is for free members:

Earn 0.10€ per click
Earn 0.05€ per referral's click
Instant payout
0€ to cashout
Many advertisement
And much more...

For paid members is it even more unbelievable:

Earn 0.25€ per click
Earn 0.20€ per referral's click
Instant payout
0€ to cashout
Many advertisement
And much more...

Normally is a payout for visting sites between US$ 0.001 and US$ 0.01. Not one advertising company will pay at least € 0.45 per visitor (earnings for paid members € 0.25 + € 0.20 for the upline). That is a dream of the paid to click providers, but it will never come true. If you take a look inside the program of Clixsense or Trafficmonsoon then you see that there is not one real company advertising their products. They are promoting themselves and each others with the paid clicks.

Anyway, the contradiction from the scammer 0daybux.com - Matteo Melandri gets already found at the homepage of 0daybux.com. It seems that the words "0€ to cashout" are the reality from the offer if we take a look at the homepage and the FAQ's.

At www.0daybux.com/pages/clickads is written that you don't get paid as a free member if you are not upgrading your membership:

How I get instant cash?
For cashout the earnings please upgrade your account. Ascertain that your earnings € are more than the upgrade price. For example if you earned 20€ you can upgrade your account to Ultimate membership so you're sure that you can receive the money for upgrade instantly after the purchase.

With other words is the promotion "0€ to cashout" for free members true. They are getting exactly € 0.00 for clicking on the advertisements. The only problem is that the paid members have the same description in the offer. So they are getting nothing too. For what should someone upgrade in this case? Only for supporting a scammer? As you don't get something for it makes a free membership or a paid membership not any sense,

We'll find some more contradictions at the FAQ page http://www.0daybux.com/pages/contact - link removed as it already returns error 404 - not found Jan. 18, 2017):

What is the minimum payout?
Zero. Payout is instantly and you can request it when you want.

Click at least 50 advertisement (for free members)
Become a upgraded member or add funds

Here already we see that free members don't get paid and the promotion is nothing else than a bad joke. As we see in the next point of the facts is there no way that free members are getting paid. So free members have only the possibility to work for nothing. That is nothing else than a big deception. Probably the scammer is hoping that someone still pays for him for the fraud!

Why my payout request is refused?
If you receive this error: "Based on your membership and investment(s), the payout maximum for your account is €0.00." is because you don't have upgraded membership or added funds. Please upgrade your account or add funds for request the first cashout.

In the sentence above is already the payout maximum declared as € 0.00! As the site is hosted in the Netherlands and registered in Italy and both countries are members of the European Union is the site already breaking the consumer protection law of the European Union because the free membership is already a misleading offer.

With other words the "free members" have no minimum payout but a maximum payout of ZERO Euro.

The next point in the FAQ's shows the plain scam. You have to buy your work. Even this point is against the European consumer protection law because you have to pay first for getting your earnings:

Can I upgrade my account or add funds with Account Balance?
Is not possible upgrade your account or add funds with Account balance for now. You can use PayPal, EgoPay, OKPay and Bitcoin.

Sure, in a scam you cannot upgrade your membership with the funds of your account. In this case the scammer would not get some money!

One point of the European Data protection law is that the consumer has the right to get his data deleted as soon as he requests it. It does not make any difference if the consumer is a free or a paid member of a service. The provider of the service has to delete the data and to confirm the deletion of the data on the request of the consumer.

Can I delete my account?
Only upgraded members can delete their account. Upgrade your account and contact the support if you want to delete it.

My opinion about the site 0daybux.com is that Matteo Melandri likes to build up a legal scamming site. The problem is only that this is not possible without breaking the consumer protection law.

Screenshot of 0daybux.com:

Domain registry data of 0daybux.com:

Registry Domain ID: 1890658878_DOMAIN_COM-VRSN
Registrar WHOIS Server: whois.rrpproxy.net
Registrar URL: http://www.transip.nl
Updated Date: 2015-10-23T11:47:01.0Z
Creation Date: 2014-12-16T12:53:38.0Z
Registrar Registration Expiration Date: 2015-12-16T12:53:38.0Z
Registrar: Key-Systems GmbH
Registrar IANA ID: 269
Registrar Abuse Contact Phone: +49.68949396850
Domain Status: ok http://www.icann.org/epp#ok
Registry Registrant ID:
Registrant Name: Matteo Melandri
Registrant Organization:
Registrant Street: Via delle castagne 1939 0
Registrant City: Roma
Registrant State/Province: RM
Registrant Postal Code: 00138
Registrant Country: IT
Registrant Phone: +39.3489199414
Registrant Phone Ext:
Registrant Fax:
Registrant Fax Ext:
Registry Admin ID:
Admin Name: Matteo Melandri
Admin Organization:
Admin Street: Via delle castagne 1939 0
Admin City: Roma
Admin State/Province: RM
Admin Postal Code: 00138
Admin Country: IT
Admin Phone: +39.3489199414
Admin Phone Ext:
Admin Fax:
Admin Fax Ext:
Registry Tech ID:
Tech Name: Matteo Melandri
Tech Organization:
Tech Street: Via delle castagne 1939 0
Tech City: Roma
Tech Postal Code: 00138
Tech State/Province: RM
Tech Country: IT
Tech Phone: +39.3489199414
Tech Phone Ext:
Tech Fax:
Tech Fax Ext:
Name Server: ns0.transip.net
Name Server: ns1.transip.nl
Name Server: ns2.transip.eu
DNSSEC: signedDelegation
URL of the ICANN WHOIS Data Problem Reporting System: http://wdprs.internic.net/
>>> Last update of WHOIS database: 2015-10-27T00:49:21.0Z <<<