Complaint Review: Dave Johnson

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!