You confused me with the Paxum's owner ?
-5,691.18 this is in my balance not Paxum.

Do you say that my account is fraudulent ?

It must suck to live in another country...

Here in the USA I have made thousands of transactions with Paxum in the short time it has been available. I have never had such a problem. But then all of the people I deal with are reputable people that also deal with reputable people. Even when I deal with people from other countries they are reputable. I look them up and find out who they are...

Say someone wants to buy a service from me and they live in Romania. The service is going to cost $1000. I tell them I am going to wait 2 weeks for the funds to "clear". I don't spend the funds. They sit in the account. While they sit I check out the people that sent them. There have been occasions where I didn't like what I had found and I reversed the transaction + $20 to $100 as a gesture to say, sorry for holding onto your cash, but this is the situation and it just doesn't work for me.

In some cases I might barter services with individuals that have something worth while to offer me just so I don't have to deal with possible fraud...

Any company that handles financial services is a likely target for fraudsters. Whether it's a bank, a credit union, a credit card provider, or other services like Paxum.

There is no way around the fact that there are people in this world, and there likely always will be, who will seek to profit by breaking the rules everyone is supposed to follow.

We strive to provide the most secure platform available to prevent such activity, but no-one can ever be 100% safe from fraudsters. What we DO is ensure that no legitimate Paxum account-holder will ever be subject to negative consequences as a result of any fraudulent activity that may occur in our system.


I'm really sorry you don't understand this from the posts I have already made.

When we removed funds from the account, some of those funds had already been sent to affiliate webmasters for their earnings.

Here at Paxum we do not believe in punishing those who have not done any wrong, therefore we did NOT remove those funds from the affiliates Paxum accounts.

However, since those funds were no longer available in the OP's Paxum account, we had to place the OP's account into a negative balance to 'cover' those affiliate payments.

Ultimately the debt is the OP's debt, however since that debt has not yet been paid, those funds (and therefore those affiliate payments) are currently being covered by Paxum.

I sincerely hope that makes things clearer for you ladida. Thanks for your concern :)

All of your words is praise of paxum only on a global and space scale. You will perform well in front of the demonstration and rally . But we are not on the show here, so please answers about my specific account :
1. This is the paxum's balance minus -5,691.18 or it is my balance in my account ?
2. My account is scam?
3. You only punish me?
4. When money was stolen? How many days passed before the refund?
5. My account has many different transactions a day. How do you sniffed at and decided that my money is criminal money? They smell something?

I can not verify the payment of affiliate programs. I do not know where they take the money. Do you have ideas for these inspections?

==================

Paxum does not see my messages 50 days. He does not see my posts anywhere. He silent in tickets , he is silent on the forums, he never answers my questions. Even here I can not get any answers to my questions.
You can imagine why. Can you guess already? Paxum made ​​many mistakes but he pay for them from my account. Because in my account had money.
Paxum could withdraw money from any one of you and say that suffered paxum.

Hmmm. What you are posting doesn't appear to match what RuthB is saying. You are saying that someone at the root "Account A" of this diagram committed fraud and that is it and that you are in position D4, right? But then in a previous post I think RuthB stated that there was a direct connection between you and the fraudulent transaction. What am I missing here?

Thanks. I think that was it. From looking at it though it seems all it covers is reporting suspicious transactions. So is there no Canadian regulatory body which provides for policies and minimum standards that Paxum must adhere to? I know in the US and I believe in the Canadian banking system [in regards to real banking institutions] there are usually clearly defined regulations and procedures for how these situations are handled. I know you are not technically a bank but are you truly free from such regulations? It seems to me that those regulations would help protect your customers.

Please take a closer look at this page. It is in relation to the Compliance Regime required by FINTRAC

http://www.fintrac-canafe.gc.ca/publ...ide4/4-eng.asp

Thanks :)

All I see there are basically regulation to catch terrorists, money launderers and tax cheats. I don't see any regulations which detail government oversight over how transactions are handled and refunded or any regulatory agency which a Paxum customer may appeal to or address any complaints. If there is something like that please link to it and provide an excerpt from it if you have the time.

Though I doubt I will use you in the near future for receiving sponsor payments I am not trying to be a hater or anything. I'm just interested in what kind of regulatory oversight there is of Paxum, if any, as regards these sorts of incidents. I think people should know this stuff because as we see it can be important.

I have published an approximate scheme. Paxum not want to see my questions . They took my money and silence everywhere about reasons. So I can only make guesses. I do not know real scheme. I do not know who I am. Maybe I am "C4" or "D10" or the "Z7" , but I know exactly what I had no contact with account "A".
If RuthB stated that there was a direct connection between you and the fraudulent transaction - he told a lie.

Bro Paxum refunded your payments from wc@******business.com and they still pay your affiliates, you're a lucky bastard, what are you complaining about?? Just go check with wc@******business.com what's wrong with their payments, they are they ones at fault

Here is the description of FINTRAC and what it does. :)

http://www.fintrac-canafe.gc.ca/fint...nafe/1-eng.asp

Who We Are
The Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), Canada's financial intelligence unit, was created in 2000. It is an independent agency, reporting to the Minister of Finance, who is accountable to Parliament for the activities of the Centre. It was established and operates within the ambit of the Proceeds of Crime (money Laundering) and Terrorist Financing Act (PCMLTFA) and its Regulations.

----

signupdamnit,
Canada is a free democratic country, ergo, the laws we abide by reflect that. The Government provides us, and other companies like us, with guidelines, and then periodically inspects and audits the procedures we implement, to ensure we are meeting said guidelines.

The Canadian Government does not dictate to us when and to whom we should issue a refund, since our government is democratic in nature and does not run the banks/financial institutions/financial services in our country.

Banks, financial institutions and financial services just like us are allowed to make our own internal decisions. For example, not long ago the Bank of America decided to foreclose on thousands of home-owners for the wrong reasons. That decision was made internally by the Bank of America, and thousands of affected customers chose to sue them for abusive foreclosures. I know that is a different country, but I hope you can agree with me that US and Canadian laws on such things are very likely to be similar.

At the end of the day, Paxum is a business and as such we must make decisions based on the information available to us. We must follow certain strict financial guidelines due to the nature of our business, but ultimately the choices we make on how we run our business, are ours to make.

Paxum's mission is always to provide a secure easy-to-use and flexible service to our clients, with a strong KYC policy in place, and adherence to anti-fraud policies.

In Paxum have only one rule : The customer is always wrong.
I wait 1,5 month when Paxum descend from heaven and answer my questions.


Refund made ​​Paxum not wc@******.business.com. After that money from the wc@****** business.com go on the next account.
I do not know what number have the account was wc@******.business.com may be "B1" or " C7" or "V195" (Money could walk around week or month on various accounts).
No one will talk to me except wc@****** business.com. They do not know me. Am I right? I can not find my money from all webmasters. Paxum took them and he must return them.This work paxum unravel the threads, but they went for the simplest way. they took money from one who had money on his account.
I do not understand why I was punished only. This is the main a question for paxum. Why do not punish everyone in this scheme?
I had no contact with the carders, but Paxum writes minus $ -6,000 me only. All the webmaster (who was in the scheme: b, c, d, e, and so on) are silent, so I conclude that Paxum punished me only. Why paxum not minus those who had contact with carders?

I intend no offense by this and am only trying to help but do you know someone who can help you better translate your words into English? I suspect many here can't understand what you are saying very well. I think more would listen if they could better understand your words and it would help you.

No I'm not advocating Communism here. :1orglaugh I was wondering if you were subject to any regulatory bodies such as:

http://www.cba.ca/en?view=article&ca...anks&Itemid=0&

Based on what you are saying and since you probably aren't technically a bank (or do not want to be considered one) I surmise that you don't report to any such agency. Only this FinTrac which is focused on combating terrorism and money laundering.

So all this doesn't really apply to you then I guess:

http://en.wikipedia.org/wiki/Banking...ada#Regulation
http://en.wikipedia.org/wiki/Office_...Institut ions

That's what I guess I was wondering. If you were regulated as an organization under OSFI as regular Canadian banks are.

paxum please explain.

UtahSaints,

In this country if someone steals a car and sells it to you, and then the police find it, they can take the car back to its owner leaving you with no car and no money. But you cannot blame the police, only the thieves. Perhaps that's the situation you are in? It seems your beef is with the people that sent you the money that got refunded back, not with Paxum.

:1orglaugh

thats fucked up question. why dont you reverse? you should refunded the funds from the sender not from the receiver since the receiver has nothing to do with the fraudulent sender.

thats his only concern :2 cents:

why him, not the sender?

now, you're ignoring his post and questions. you should answer them, many people here are reading this thread. :2 cents:

one more thing, if the sender had fraudulent activity, why the transaction done?

this is very alarming. paxum let these fraudulent accounts send you funds and in the end you're the one who are refunded, yet you're innocent. :Oh crap

I agree with you. But I was punished two-fold. Paxum have taken 2 times the money for 1 refund.

If I bought a stolen car (not knowing it), then police take away the car, but do not take away the money a second time. Police will to search and to punished the mediators.

You can see in my situation: Paxum took the car and after 15 days took the money for it. Paksum knows all the mediators but only punished me and he do not punished who had contact with carders. Do you understand me?

Dude, you don't get it.

-6k on your account is paxum funds ! They are in the loss, not you!!! I just go to my bank and withdraw few thousands of dollars, leaving my account in -$xx k and i'll tell the bank i dont have to repay it, its bank's negative balance, not mine. If they don't agree, i'll give them ruth's number to explain this math.

/sarcasm

They obviously took the money from you since you will pay for their mistakes since you have a business account. Anyone else would just close the account and either not use paxum no more, or open a new one, you don't have this luxury.

If I understand you this is what you are saying.

You were paid *lets say for example* $3,000.
That $3,000 came through a few lines of accounts and the originating account was fraudulent.
Paxum took back the $3,000 from your account and then took another $3,000 from your account making your account negative.

Is that correct?

Same as if a merchant refunds a customer but at the same time customer charge backs. The customer received the refund and as well received money from their bank who took it out of merchant's bank. Double dipping on the funds. Am I anywhere near close?

Well it's difficult to figure out from the transactions you've posted. But it looks like you had money come in from wo@********business.com. Paxum refunded 6879 of that back. You also had a refund back from ********@gmail.com of 5692 but then that was reversed. It's difficult to work out what all this money is and who these people are from what you tell us.

I am very, very much agree with you. I'm sorry if any webmasters will suffer in the future, so I went to GFY with my bad English and I try to tell you everything.
I know no one will help me. But you should know who is paxum.
He took fees alredy from refund who did himself. He profited from the mountain.
Be careful with this monster.

Russian webmasters already know this story:

http://www.master-x.com/forum/postings/2227813/
(No need to know the Russian language to see the red and green assessment. Paksum's representative has a very, very much red negative evaluations in this topic.)

wc@********business.com and others webmasters (B,C,D...i dont know how much) are silent because they were not punished.
I did all the pictures from my account and all transactions are duplicated in text. I hid nothing. All actions on the part of paxum not defy logic.
That You not understand paxum . I dont understand paxum too.
This paxum hides all the data on these transactions.
This paxum not respond to any of my question 50 days.
I do not know why paxum punished me, so I can not explain this to you. See pictures and draw conclusions for yourself.

Yes. Paxum took the money 2 times (January 23, 2012, and February 7, 2012).
After the second time my account was negative.
Paxum can not explain why I was punished two-fold.
I think they had a bad mood February 7, 2012

you got PAXUMED!

We in the states call that "double dipping". They took what they thought they should then took it again.

No one to blame but paxum. Why did they let this carder do a transaction in the first place? He must have been caught! I thought paxum more secured than epass?

Like a I said, THIS IS VERY ALARMING and can be happened to anyone.

STAY AWAY FROM THEM, Period!

they are only one inches away from epass, or let say epass in the making :2 cents:

That's how credit cards work, it's simply impossible to avoid 100% of fraud. I bet paypal have had this kind of things happening 1000 times more often.

But overall it's quite difficult to see just from this thread, about what all exactly happened.

I agree and cant understand why do you care about other accounts. Your problem is that *****buisness.com dont pay you back the refunded money. Whats the reason to that?

C4 ofcourse they are the only one you need to care about, where they get money from is't your problem.So please tell me whats the reason that he don't do that?

This is getting out of hand. Some points need to be clarified for everyone:

1. You received funds directly from the fraudulent account. Your little chart is cute and all, but incorrect. There is a direct link between you and the fraudulent funds. We clearly know that at the very least you have direct contact with the person who started this mess. Past this point, we will refuse to speculate, but it's clear that you provided an exchange service, otherwise you would have some recourse against your "sponsor/partner".

2. We did not charge you twice. Yes, there are 2 charges, but you clearly avoided the fact that there was a refund. Please check your account and post accurate info.

3. Your account is "prepaid", meaning that you cannot go in negative, we don't give credit. If it is showing a - sign, it's because we are missing funds. When the account will be at 0 you will be able to say that we refunded transactions. Until then, we are in the hole, so in fact we are the ones getting penalized twice : a) we are losing 6k, and b) we have to deal with the fact that you are distorting the facts and making a big deal out of the fact that we are losing and your account is okay, which you perceive as a loss for you.

4. FYI, If you buy a stolen car (without your knowledge) in Canada, it well be seized by the police AND you will have to pay it off to the bank anyway. They are different entities. The cops can't call the bank to cancel the loan. Besides, if you pay it in cash, do you really expect a refund from the police when they seize it? So before you give examples, make sure you know how it works.

This is our last reply on the subject. I will repeat once again that if you are trying to defraud Paxum we will not tolerate it, and we will not accept any fraudulent money in our system. This is to protect the integrity of the program for honest webmasters in the long term.

When? not trying to be the knife in the side but when was that refund given... I read this thread and heard nothing about a refund

I'd say this comparison is not correct.
Let's say, he came to a second hand car shop where they sold him a car. Why would he doubt in a reputable shop? Some time later he comes out in the morning and sees his car is missing, he calls the shop and they say "we took it back as it was a stolen car". Surprise!

So, as for me I see the main problem in the security of the "reputable" shop. They did not take the trouble to check where the stolen car had come from, sold it and then took it back with no refund.

Who is responsible in this case? The buyer? Or the shop whose job is to double check everything that gets in?

looks like half of the ones who are writing here are not able to read...

the guy wrote a hundred fuckin times that he had no business with carders and only received payment for his job, and what are people writing here? "you were involved in a fraudulent transaction"...

face-fucking-palm... imbicils :disgust

Ahhh, NOW I get it!

If a guy from Russia could make $300 in a hour in a legit way or make $100 in 2 hours by scamming people he would go with the second option.

I think you should read it again. He recived money from a fraudulent account, and that account holder(partner) refuse to send him back the money that he own him.

Just FYI: you are a fucking scumbag.