SwirlsGirl

Word to the wise, and the not so wise...if you are thinking about trusting your processing business needs in the hands of some of these GFY salesmen and women, please read some of the heart wrenching links....

you will be astounded at how many honest, sincere business owners from a variety of industries are getting literally raped,pillaged,and plundered by the greed of shady banking account reps, risk managers

(RISK MANAGER - nothing but fancy word for gambling addict) These fuckers are literally DESTROYING the lives and sanity of good people the world over... I will not lecture you and will let the testimonies speak for themselves...

testimony 1
http://www.ripoffreport.com/credit-c...erch-bcd9c.htm

testimony 2
http://www.ripoffreport.com/credit-c...ions-5332c.htm

testimony 3
http://www.ripoffreport.com/credit-c...busi-df97f.htm

testimony 4
http://www.ripoffreport.com/credit-c...corp-ed4ea.htm

Testimony 5
http://www.ripoffreport.com/e-trade/...sing-7bfqb.htm

testimony 6 -SUPER DISGUSTING senior citizen with heart wrenching account
http://www.ripoffreport.com/caterers...ount-a7cp9.htm

testimony 7
http://www.ripoffreport.com/credit-c...suck-32ew4.htm

testimony 8
http://www.ripoffreport.com/credit-c...coun-12b41.htm

testimony 9
http://www.ripoffreport.com/credit-c...-can-7fd1e.htm

testimony 10
http://www.ripoffreport.com/credit-c...-wor-3d5c7.htm

testimony 11
http://www.ripoffreport.com/credit-c...rvic-qe422.htm

testimony 12
http://www.ripoffreport.com/credit-c...l-pr-f8d25.htm

The reason I lay out these few testimonies and there are pages of them is because its not just Swirlsgirl going on a rant or venting, this is areal problem that I have personally been a victim of and now I see its not just adult merchants it is any industry that has asshats and scam artists holding and collecting our money.

truly sickening and deplorable and I am one of the latest victims of this scam, and yes the scammers,liars, and parasites that took my families survival money are actively on gfy yesterday,today, and tomorrow,looking for fresh meat, and new blood! Be warned, be vigilante...you are the merchant, they are the parasites!

Every merchant account scam listed has eerily similiar accounts, even when its different merchant account companies...the scam, and con is the same and so is the lingo and jargon they use to try and justify their theft. It is so transparent now.

Not just adult but the world needs a billing overhaul, so that merchants from all industries can sleep at night knowing their money is not only being collected with integrity but protected with integrity.

But on second thought a lot of you would rather blame the victims, and find perverted humour in ordinary folks being forced into the streets because of a parasitic gambling addict, also known as a "risk manager"

I have showed you the scheme, I have documented the scheme, now its up to you to ask the right questions to the parasites before you get set up only to be destroyed!

They are trying with all their resources to destroy us as they do not like us exposing the scam,they will foolishly fall back on their god almighty banking rules and regs, and hide behind red tape to STEAL and suck your blood from you.

We would have no financial worries at all if it were not for the recurring, and ever increasing influx of scammers, to this industry!

If you really think about it...its like a pedophile who gets a job as a boy scout leader, or a job as a priest in a church... if you have a problem molesting young boys...then what is the most likely place you would seek employment?

Okay good now that you got that consider this....If you are a cunning, bold, decrepid,pathetic,klepto swindling, con man or woman....what better place to get a job then in the "risk department" of a financial company,bank, or pseudo bank

Unfettered access to people banking and account info...access to peoples personal adresses and phone numbers, credit reports, you name it....these guys are plugged in, and in many instances sit in a shady office gambling all day.

When they are short on their positions...no worries, lets find a slave scum merchant who has made good sales this week, first we hold the funds, then we take the funds...then we go into bank and take more funds...

then we say in a very disgusting nasally banker dialect...."ahhh well...ahhh this account does not have chargebacks but I am going to need to see some invoices to verify charges....

when you get that call from the "risk department" get on a plane and get in their office immediately!

They are preparing to screw you with a royal ass reaming! Please do not under value these posts, they are to help save you from getting burned as these posts were not left for us when we were newbies, we had to learn the hard way, and feel its our quiet duty to warn you guys before you get burned and discouraged from participating in this truly rewarding adult industry!

Good luck peeps!

NaughtyVisions

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WarChild

You are one bat shit crazy chick.

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stocktrader23

You need a manager to handle such things.

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Intrinsic

I was hoping story 6 would've been way more super disgusting and heart wrenching

porno jew

BIGTYMER

You didnt signup for a regular merchant account and run adult on it did you?

porno jew

your sites are down your business is gone obviously this isn't for you just move on.

Jakez

Cool story sis.

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Killuminati

BIGTYMER

Poor SwirlsGirl got TMF'd.

AsianDivaGirlsWebDude

ADG

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uno

How is it that you have problems with every single IPSP, merchant account or other billing method you've ever had, yet tens of thousands of people have rarely had more than a few issues over the years with only one or a few billers/methods?

At some point I think you need to come to the realization that it's you and not the world.

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Jakez

Either this^ is true or everyone needs to cancel their merchant account(s) and go get a 9-5 because they're getting fucked hard.

You decide.

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Killuminati

Tempest

In her world, with all her horror stories, the only option would be for everyone to just close up shop and get 9-5.. I have yet to see any solutions, just ravings.

2MuchMark

SwirlsGirl,

Clearly you think you are upset because you think you have been burned by some billing provider but I bet that if the facts were shown, what probably happened to you was your account became too high of a risk for the processor to continue to bill for you.

How do I know you're upset? You refer to everyone in that list as "honest and sincere" when you don't actually know any of them. You use words like "literally raped, pillaged and plundered" when all they did was suspend processing and withhold funds under the agreements they signed. You also suggest that billers who participate in the GFY forum should not be trusted when NONE of the billers on GFY are even mentioned in your list as far as I saw.

For whatever reason you are looking for some kind of support from others whom you think may have been actually burned instead of spending time trying to fix the problem.

I read the first 7 of those "testimonies" you posted. While I am sure each of them are very upset, almost none of them present any real facts or present both sides of the story.

"Testimony" #6 is particularly useless. It doesn't matter how old he is, or that he's a senior citizen. He is bitching about judicial system which tells me maybe he tried to take some IPSP to court and had it thrown out. He babbles on about not having a job, bad housing market, etc. ZZZZzz. None of that stuff is relevant.

Here are some facts you need to understand.

- Billing processors take a RISK processing your sales. You need understand this fact and work with your billing processor to keep that risk down. Keeping their risk down makes them happy and comfortable. Fuck around with the rules or push the limits and they will start getting nervous.

- They are extending a certain amount of trust to you up front but if they think this trust has been breached, they will stop processing for you and seize your account.

The amount of risk they take and the terms that they extend (and cut) the trust to you is very clearly laid out in the terms of service, THAT YOU AGREE TO, when you sign on.

Yes it sucks your processor stopped working with you. My advice to you is to stop crying about it already, learn from your mistakes, and make sure you do better next time.

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SwirlsGirl

Well Mark thanks for taking the time to respond, I think you mean well but I think you misunderstand my motives.

The testimonies I listed are literally a drop in the bucket of the testimonies I found out there...not just on ripoff report either there are many other sites and message boards with such stories.

Now what I intended to show is that its not just me, its all kinds of people trying to run a business...making the mistake of trusting someone who set them up with a merch account, only to get burned.

You guys can engage in bank worship, and blame the victim all you want, like I said its easier to blame the person whos money was stolen...of course a fucking banker will have a different side of the story to tell...and a bank syncophant will feel pity on the poor abused and misunderstood bank....thats part of the con

it does not matter what I calim or even if we posted another 1000 testimonies, you guys will blame all the victims everytime...

I have had webmasters come in and say the same thing happened to them with their merch account, but alas its never the fault of the gods...i mean bankers...

its always the dumb merchant who did something wrong...but these posts are not for you its for the newbies who still have a chance to learn something about being taken.

OldJeff

Times 100

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nextri

I have no doubt that bankers are up to some shady shit, and go out of their way to screw people over. After all, they caused the entire economic breakdown, and are destroying the world with their greed. I feel for you, and hope you'll get back on your feet.

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stocktrader23

Yes, their nefarious plan is to close down all of the merchants that make them money. Only then can they dominate the cuckolding interracial porn market completely.

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"I try to make a habit of bouncing my eyes up to the face of a beautiful woman, and often repeat “not mine” in my head or even verbally. She’s not mine. God has her set aside. She’s not mine. She’s His little girl, and she needs me to fight for her by keeping my eyes where they should be."

Barefootsies

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Enough Said.

"Would you rather live like a king for a year or like a prince forever?"

you-big-dummy

It's all out there swirls. ` Checking & credit theft, phony auto repairs, auto dealer bait-and-switch tactics, corrupt government employees & politicians;
http://www.cnn.com/2011/12/07/justic...ing/index.html

Unethical doctors & lawyers, online stores that sell non-existent products, dead beat dads & moms, landlords & tenants, fraudulent employment & business opportunities, and individual con artists who scam consumers.

Got cha, I'm with it! `
It's you, the consumer that's at fault, not the above mentioned mutha fuckers rippin ya off! `

Bladewire

When you have a site that keeps going offline you will have chargebacks and credits. This is why it's important to be consistent in business and provide the services/products people are paying you for.

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Barefootsies

Huckleberried.

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Enough Said.

"Would you rather live like a king for a year or like a prince forever?"

Jakez

Poor thing, it wasn't her that was the problem, it's GFY.

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Killuminati

epitome

Good riddance.

It is probably complaining to anybody that will listen that GFY must be owned by banks and "risk managers" who realized the need to silence he/she/it.

Remember when it thought the billers used AI computers to post on forums?

The Porn Nerd

She's banned? Okay, it's safe to post in one of her threads now.

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stocktrader23

Their Redd Foxx simulator was always my favorite.

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"I try to make a habit of bouncing my eyes up to the face of a beautiful woman, and often repeat “not mine” in my head or even verbally. She’s not mine. God has her set aside. She’s not mine. She’s His little girl, and she needs me to fight for her by keeping my eyes where they should be."