Generate Income While You Relax
Discover How You Can Be
A Payment Co-Processor
With A Time Commitment Of Just 15 Minutes Per Day
Never buy products
Forget recruiting
Just say no to sales
But Bank Every Day
This is the headline that beckons you when you visit contipay.biz, squarepay.biz, joinmarc.biz, and a host of other scam websites promising easy money for “co-processing” of credit card payments.
The first thing to know is that there is no such thing as co-processing. You can’t find any reputable sources on or offline discussing co-processing because there is no such thing. This fraudulent money laundering scheme is run by Dave Johnson. Dave Johnson is an alias. Robert Ganski is his real name. He uses the alias Dave Johnson because the name Robert Ganski is attached to a number of lawsuits.
Dave Johnson has the gift of gab as do all con-artist fraudsters and Dave is super convincing. Dozens of unsuspecting people have joined contipay.biz, joinmarc.biz and other associated fraudulent schemes disguised as business opportunities hoping to get wealthy from being a co-processor. Co-processors process credit card payments for companies that have gone over their monthly merchant account limit. Processing credit card payments for any company other than your own is actually illegal. Dave Johnson claims it’s legal but again you can’t find one reputable source on or offline confirming this.
You have to pay an “enrollment fee” of $495, $3995 or $9995 to join this fraudulent scheme. There is a one-year money-back guarantee but of course, you can not get your money back unless you sue Dave Johnson. Once you join this scam you will be participating in what is known as credit card factoring or digital money laundering. You process a credit card payment for some unknown company for an unspecified service and then wire 90-98% of the proceeds to a bank in the United States or overseas that isn’t directly attached to Dave Johnson. Shortly after you wire the money you will get a chargeback. So you’re basically stuck with paying the entire amount you wired plus associated fees that come with the chargeback. Dave does nothing to assist you. His strategy is to let it go to collections. So your credit will be destroyed and you will be stuck with thousands of dollars in chargebacks.
Listen to a few conference calls below from this fraudster:
Intro to Co-Processing: https://co-processing-fraud.s3.amazonaws.com/Conference+Call+308.mp3
Managing Credit Bureau File: https://co-processing-fraud.s3.amazonaws.com/2019-07-26-managing-credit-bureau-file.mp3
The Legal Perspective: https://co-processing-fraud.s3.amazonaws.com/The+Legal+Perspective+-+2019-1.mp3
Black and White: https://co-processing-fraud.s3.amazonaws.com/Black+And+White+-+2019-1.mp3
Ripoff Report has a number of individuals reporting they were defrauded by Dave Johnson. Visit https://ripoffreport.com and do a search for Dave Johnson. See one of the reports below.
Report: #1482816
Complaint Review: Dave Johnson – Jacksonville Florida
“Dave Johnson supposedly offers the Accessory Income Network by running ads on Craigslist and sending you to a website called joinmarc.biz where he details an income opportunity called co-processing. He claims that even though the banks and MSP’s tell you it is illegal that it is not and that big companies do it all the time. It is sold as co-processing credit cards for companies that go over their monthly transaction limit. Supposedly the parent company is in Germany and he is the US director. He says the owner of the German company is Helmut Bach, but he never gives the company address and it was originally called New Crossing. That name does not show up anywhere in an internet search. After a few months, the name was changed to Join Marc.
The problem is that these transactions that he forwards to you to process are all transactions from Senior citizens who are sold a package called debt consolidation that appears to be a ripoff also. What I experienced was that after 30-60 days or sometimes even sooner these people want to cancel and even though Dave Johnson promises that Join Marc will wire the money back to you they never do. They just have you process more transactions to make up for it. When I started compaining he then refused to answer my mesages on “Telegram” and wont respond at all. I am stuck with all these cancellations. He has a formula that you are supposed to use, with form letters for what to say to the credit card companies to dispute the transactions. He is asking them to give you proof, which it is true sometimes they cannot do. But even though I won 1 dispute, I am still saddled at this point with about $25,000 in credit card transactions that the customer says were fraud or they never approved. I have had several customers call me directly as my phone number is the one they see on their credit card. He has it set up that his name does not appear. I am the one on the hook and if there is is fraud, guess who is responsible?
He also has you wire the money to a whole bunch of different places, like Sweden, Germany, Pakistan, and various US banks. What is that about? He is a con-artist and it is impossible to pin him down. He has it set up so most people, after they realize what is going on feel that they have to keep going hoping to do enough transactions to make back their money but the more you do, the more cancellations you get because these are NOT legitimate transactions, it is a scam against Senior citizens! If you are in this I beg you to stop now, and lets expose this guy who we think is Bob Ganski/alias Dave Johnson. Please get out now because he is being investiagated for banking crimes, this is not the first scam he has perpetrated. YOu might find the FBI knocking on your door thinking you are running a fraudulent business. I agree with previous person who started this report and be assured that this guy will come back with a rebuttal that will sound good but it is a lie!
Now he is also starting to promote a program called interscale, where he promise that the German company will promote your business and take it public through a penny stock offering. It will just be another scam as I have investigated and this guy has done this before, he just has not gotten caught yet, but he will!!
Think about it, the contract you signed in the begining has no address for the company in Germany and it is impossible to find because it probably does not exist. He asks you to wire money to a bank in Germany to get started, which probably goes into his account. He recruited people to help him “market ” this by promising them overrides which he has not paid as agreed. There is not an email address for him….not a phone number to reach him, you can only reach him on telegram, and he never gives you an address for the “office” here in the US, only that he is located in “sunny Jacksonville”. He has conference calls that are “trainings” to teach people how to do this which just makes it look legit, but he has promised many times to record them, but he always “forgets” and then apologizes. Ask yourself why he is so secretive and impossible to reach if this is a legit business? He has set it up that the only people who can get in trouble when the credit card transactions are called fraud or not approved by the customer are the people (you and me) who are supposed to pay the bank back. Then your MSP gets cancelled and you either pay the chargebacks out of your own pocket or it goes to collections and ruins your credit! What a scam! ” See the original at: https://www.ripoffreport.com/report/dave-johnson/jacksonville-florida-join-new-1482816
See more complaints about Dave Johnson’s co-processing scheme: https://www.ripoffreport.com/report/bob-ganski/jacksonville-florida-dave-1483324
https://www.ripoffreport.com/report/bob-ganski-robert/jacksonville-florida-dave-1482267
Dave Johnson aka Robert Ganski is a greedy, money-grubbing, psychopathic coward with no conscience. Dave thinks he’s smart and untouchable. Dave will soon see all that slick talk and false bravado will just lead to a small jail cell in a federal penitentiary.
See more images from this fraud scheme:
Updated November 30th 2020
The scam is now also under the label of ECA (Ecom Associates). Be on the lookout for it. https://www.ecommassociates.net/
Below is a list of websites that may be associated with this fraudster. Be on the lookout for them!
11thfloorsolutions.com
abingdigitalsolutions.com
abrasolutions.biz
absolutebusinesscommerce.com
accuratedatasystems.biz
accuratedigitalsolutions.net
agcdigital.net
alsbay.com
altitudedigitalsolution.com
arg2012.com
aviditydigitalsolutions.com
bagosolutions.com
bestsystems.biz
bigflamedigitalsolutions.com
birchbusinesssystems.biz
bizmarc.biz
bluenetenterprises.com
broadlineds.com
bugainsystems.com
carasolutions.biz
carbelladigitalsolutions.com
cardmarc.biz
cassdigital.biz
cemobay.com
chroniclesenterprises.com
codsp.com
colladoconsulting.biz
compassbusinesssolutions.biz
completedigitalsolutions.org
conticar.biz
contilead.biz
continow.biz
contipay.biz
cornerstonedigital.solutions
crevenue.biz
crossfireds.com
crowndigitalsolutions.biz
csurgedigital.com
ctdigitalsolutions.com
dbdigitalsolutions.biz
affiliatedemail.com
affiliatedpromotions.com
alexnovicov.com
army-of-strangers.biz
ayamassagelondon.com
bensdating.com
bookmarkingpocket.com
bookmarkpocket.com
bookmarksnest.com
budivli.net
centralhotellondon.com
clubdicarlo.com
disenowebvilanova.com
emailbroadcastingcompany.com
emailrascal.com
expertieltsadvisor.com
gobblestats.com
gorgorwater.com
hariomexports.com
hobrop.com
iqd.media
itamon.com
kartarpurmail.com
keepyouredge.net
maharishivedvyaskundsabha.com
masmusica.org
mielpro.com
paintsforever.net
peruvian-boner-brew.com
pikloo.com
pressreleasepocket.com
puppisweets.com
royalcrowninsurance.com
saafitech.net
sharkbytemedia.com
siambodyandsoul.com
siambodysoul.com
soomarsystems.com
trackmr.com
ukrainets.family
alfalak.academy
codak.academy
codefactory.academy
gnosis.academy
gradus.academy
ktc.academy
kurdish.academy
lokator.academy
martins.academy
rehms.academy
stack.academy
the1337.academy
unbreakable.academy
westoverledingen.academy
wwbasketball.academy
zolotaryova.academy
fanar.accountant
saidbey.actor
digitalmedia.aero
bigmall.africa
businessoutlook.africa
dirido.africa
eduanepa.africa
keldy.africa
landmap.africa
micmaar.africa
mycrib.africa
socialgeeks.africa
wimy.africa
winmed.africa
3plus.agency
a-breil.agency
africanart.agency
augy.agency
badbutch.agency
creattica.agency
crudus.agency
devstetic.agency
dite-digital.agency
fanar.agency
