• Report: #659636

Complaint Review: Pivotal Payments | Ripoff Report Verified™ ..businesses you can trust. Commitment to customer satisfaction. nationwide credit & debit card processing, clearing & settlement, gift, loyalty, store value card programs, terminal management solutions, electronic check processing.

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  • Submitted: Mon, November 08, 2010
  • Updated: Sat, March 24, 2012

  • Reported By: Anonymous CFO San Diego MLM Company — San Diego California United States of America
Pivotal Payments
200 Broadhollow Road, Suite 207Melville, New York, San Diego, California United States of America

Pivotal Payments REVIEW: Pivotal Payments’ commitment to total customer satisfaction. Pivotal Payments’ past and current approach to business is focused on providing the highest quality of payment processing and merchant services throughout North America to small and mid-sized businesses, large corporations, chains and franchises.
*UPDATE: Pivotal Payments pledges their commitment to Ripoff Report Corporate Advocacy, Business Remediation and Customer Satisfaction Program. A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. Pivotal Payments recognized by Ripoff Report Verified™ as a safe business service.

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EDitor’s UPDATE: Positive rating and recognition has been given to Pivotal Payments for its commitment to excellence in customer service.

 

Ripoff Report’s discussions with Pivotal Payments have uncovered an ongoing commitment by the company to total client satisfaction. This means that clients can expect that the company will work towards finding a mutually satisfactory resolution to any complaints or concerns.  The company listens carefully to client concerns and sees them as an opportunity to learn from past mistakes and become more efficient as a company in the services offered and the support for those services.


Pivotal Payments is Rip-off Report Verified
Ripoff Report Verified™ .. part of Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program. A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business..
The information provided in this report is based on comments made by Louis Georgakakis and  Patrick Huynh during an interview held by a third party verification company with no biases toward Pivotal Payments.   

 

Pivotal Payments is a merchant service provider that helps their clients accept credit cards and also provides affiliate products such as software and terminals. Their target markets are in small to medium companies that are generally brick and mortar business. Currently, the company works in the United States and Canada and is looking to break into European markets this year. Pivotal Payments feels they have a competitive edge in the market place because they are constantly adding to, enhancing and increasing their product lines. Recently they have added the Pivotal 360, Pivotal 1, and Term Protection programs to help provide customers further options in services needed. The company also notes that they feel their customer service sets them apart and they have invested heavily in this department.

Louis Georgakakis stated, “The company’s core values are based on commitment, growth, entrepreneurialism and building relationships. Pivotal is committed to always doing the right thing, quickly, efficiently and to the best of its abilities. The company’s employees have the courage to take responsibility for all issues and learn from these issues to enhance the company. Employees are nimble, open and flexible to new ideas, innovation and technology to deliver on current and future opportunities. Pivotal understands that thousands of people and businesses across North America depend on them for their livelihood. We strive to build everlasting relationships with partners, customers, employees and suppliers to help the achieve mutual goals.”

 

In order to make Pivotal Payment’s feel they are having the best customer service possible, they state that they have a 24/7 customer service staff available, opportunities to be released from cancellation fees associated with contracts, a knowledge based management team and cross training amongst their staff. In regards to the company’s internal processes, Patrick Huynh stated the company is, “Continually working on customer service calls to be under an average of 30 seconds and we are working to enhance the quality of information communicated to the customer by cross training our staff. We also work to have proactive retention within our customer service meaning that we try to work with customers to solve issues before a complaint arises.”

 

Pivotal Payments states that they try to work with clients to satisfy all of their concerns within reason when working with them to discover a solution. Through this, the company states they can usually retain about 95% of their clients when concerns arise. The company works to help resolve customer’s pricing concerns by matching competitor’s pricing within reason when working with existing customers. One of the largest areas of concerns that has been brought to the company’s attention is in regards to an early termination fee being too high. To remedy this, the company has developed a Low Merchant Termination Policy that fee is about half of what it was previously. The Low Merchant Termination Policy addresses customers whose volume is lower and accounts for approximately 90% of Pivotal Payment’s business. The company states that they generally handle about 1200 customer cases per month where they make sure to address and review pricing options.

 

Louis Georgakakis stated, “We are happy to be a part of the Corporate Advocacy Business Remediation and Customer Satisfaction Program because it gives us a reason to be proactive with client concerns. Ripoff Report allows us the opportunity to know who the customers are that have concerns and get them all the information needed to address the issue.” The company notes that the customers are entering into a legal agreement with Pivotal Payments and that is something that is taken into consideration when handling complaints. Because of Ripoff Report and other complaints the company has received in the past, their standard policy is that a customer can cancel their services without a fee if Pivotal Payments is unable to provide appropriate solutions to do whatever it takes to make the client happy.

 

A top executive of the company told us that their vision is “to be a top tier North American Merchant Services Provider by creating a meaningful contribution to its clients, partners, employees, suppliers and shareholders.” Pivotal Payments’ mission statement says it all: "Our mission is to provide valued processing solutions which make a positive material impact to the businesses of our merchants and partners across North America."  Some of the other things Rip-off Report learned in the course of its investigation: typical customer feedback reads:  "Switching to Pivotal was the best move for my business! We were able to save money with no hassles." As well as, “Going with Pivotal Payments has been a great move since they offer good rates and service. I would recommend them to other merchants."

PIVOTAL PAYMENTS / "The company has implemented a sales compliance position to ensure that sales channels meet our internal standards as well industry regulations," explained Patrick Huynh, Vice-President of Client Services. "Our service levels have also improved tremendously over the past year and continue to do so as we proactively listen to the needs of our clients and respond rapidly to any and all concerns."

"We joined the Corporate Advocacy Program in order to better understand our clients’ issues and should they arise, react faster to address them," said Louis Georgakakis, Director of Marketing. "Our client care department’s improved response time, thorough compliance with industry regulations and greater customer satisfaction levels are all a testament to the hard work each and every employee at Pivotal has performed in order to accomplish our mission."


Pivotal Payments takes employee satisfaction seriously as well.  The company’s Youtube channel boasts several videos of its employees indicating their level of engagement and empowerment to helping the company reach its goals and developing better relationships with clients. One such video is from Eric, a Relationship Manager, who states "the best part for me about working here at Pivotal Payments, hands down, is making that little difference in my merchant's day." The comraderie experienced through these short clips makes it evident the close-knit unit at Pivotal Payments is dedicated not only to helping their merchant clients succeed, but helping each other grow as individuals.


STATED IMPROVEMENTS FROM PIVOTAL PAYMENTS.

Paying close attention to feedback from customers and taking their concerns seriously.

Implementation of a fairer, flat early termination fee for all small merchants leaving a contract early.

Transparent pricing models both on the merchant application and in the terms of service.

Auto boarding process that gets a payment terminal to a merchant within 48 hours of application submission.

Maintaining an A+ rating on the Better Business Bureau (BBB) for over a year and counting.

24/7 service available in both English and French with well trained, dedicated professionals.

Proactive outreach via survey to customers to ensure their concerns are heard and their feedback used to improve.

Pivotal Payments recognizes that complaints posted on Ripoff Report are issues to be seriously addressed.  If handled correctly, complaints can be valuable learning opportunities. With the feedback generated by Ripoff Report’s investigation, Pivotal Payments has made organizational changes allowing its clients and employees a more streamlined approach to problem resolution and a commitment to a great client experience. 

In summary, after our investigation, which included discussions with Mr. Huynh, Mr. Georgakakis and many of the company’s past and current associates, Rip-off Report is convinced that Pivotal Payments is committed to quality delivery of services resulting in total client satisfaction.

Read more about why consumers should feel confident when doing business with a member of Rip-off Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, it’s a long name for a program that does a lot for both consumers and businesses alike. Read about Rip-off Report Corporate Advocacy Business Remediation & Customer Satisfaction Program,.. A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. this program works.    

As a matter of policy, when a business becomes a member of the Corporate Advocacy Program they agree to allow Ripoff Report to contact every client who filed a complaint so they can make things right with them.  In order to confirm that the complaints were resolved, Ripoff Report is copied on all responses so we can insure that the member business did right by their customer ..  

https://www.youtube.com/pivotalpayments

Pivotal Payments - Client Review - Babylon Fish & Clam

https://www.youtube.com/watch?v=2wMfXgiCgWg&list=PLC10CC7356B867DD1&index=1

Pivotal Payments - Client Review - Astor Wines & Spirits

https://www.youtube.com/watch?v=JMtDEN2WJWg&list=PLC10CC7356B867DD1&index=3

Pivotal Payments - Client Review - Cafe Picasso

https://www.youtube.com/watch?v=z64es473BgA&list=PLC10CC7356B867DD1&index=2

Pivotal Payments - Client Testimonial - Garderie Manyl Inc

https://www.youtube.com/watch?v=BfD-9RxhwqI&list=PLC10CC7356B867DD1&index=6

Pivotal Payments - Client Review - BECQ Security Group

https://www.youtube.com/watch?v=IWyMiVh7xYE&list=PLC10CC7356B867DD1&index=7


NOW TO THE ORIGINAL REPORT THAT WAS FILED    
----------------------------------------------
 

Pivotal Payments Goldman Sachs Company Pivotal Payments a backed by GOLDMAN SACHS RIPS OF SMALL BUSINESSES San Diego, California

Pivotal Payments - BACKED BY GOLDMAN SACHS!!!!

DO NOT open a merchant account with Pivotal Payments.  They hide large amounts of fees in small print.  Their partner Cynergy Data has filed for bankruptsy.  The bankruptsy has tied up merchant reserve accounts.  And, if you try to close your merchant account in order to get your reserve back, they hit you with early termination fees that are absolutely OUTRAGEOUS.  Pivotal's business practices are deceptive and misleading.  PIVOTAL has KEPT hundreds of merchant reserves for small businesses.  Small businesses have gone out of business because of the reserves.  It's impossible to get them to return a call.  Their enitre operation is nothing but a way to rip off money from their clients.  DO NOT DO BUSINESS WITH PIVOTAL.  DO NOT GIVE THEM YOUR BANK INFORMATION.

DON'T TRUST PIVOTAL.  SHAME ON GOLDMAN SACHS!!!!!  Figures it would be a GOLDMAN SACHS company.  How many more people is GOLDMAN going to rip-off?

GOLDMAN = RIPOFF!!!!!!

 


This report was posted on Ripoff Report on 11/08/2010 02:50 PM and is a permanent record located here: http://www.ripoffreport.com/r/Pivotal-Payments/San-Diego-California-92127/Pivotal-Payments-Goldman-Sachs-Company-Pivotal-Payments-a-backed-by-GOLDMAN-SACHS-RIPS-OF-659636. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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Updates & Rebuttals

#1 Consumer Comment

Anonymous CFO,

AUTHOR: Karl - ()

Please feel free to give us an update to your Ripoff Report when you get a chance. Thanks.
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#2 Consumer Comment

PROTESTER SONG 72

AUTHOR: Karl - (USA)

SWEET CRUDE
(Please sing to the tune of "Hey Jude")

Anyone can 'Google' this- BEATLES MIDI MUSIC SONGS HEY JUDE ALBUM, and click on 'Hey Jude' and sing the following lyrics to that midi tune, right?

Here we go- 1, 2, 3...

Sweet crude
Is much too high
Banker goons are manipulating it
Hey Squidman, you're stinky and you are rude
Messing with the crude
Has made you a monster.

Hey dude
Wall Street's a lie
Banker goons are under much pressure
Those mobsters screwed every boy and each girl
Raising price of oil
Their days are now numbered.

So sing out loud, feel free to shout
Let's toss them out
Oil prices will go a lot, lot, lower
Put Blankenstein behind some bars
Up there on Mars
He's greedy and hurt so many people.

Sweet crude
It's way too high
Wall Street goons are manipulating it
Gas prices are higher, so is our food
Squidman is so rude
He's stinky and slimy.

So sing out loud, feel free to shout
Let's throw them out
Oil prices would be a lot, lot, lower
Put Blankenstein behind some bars
Up there on Mars
He's greedy and hurt all of the people.

Be shrewd
Expose the goons
People Power is taking over
Remember, exposure is their worst fear
It was stated here
At 269041

Bankers are being exposed!
Being exposed! 
On the web!
Mobsters are being exposed!
Being exposed!
On the web!
Goofballs are being exposed!
Being exposed!
On the web!
Bankers are being exposed!
Being exposed!
On the web!
Mobsters are being exposed!
Being exposed!
On the web!
Wall Street is being exposed!
Being exposed!
On the web!
People are in the know!
In the know!
With the web!
Nations are in the know!
In the know!
With the web!
People are in the know!
In the know!
With the web!
Text Kate and please tell Joe!
Please text Joe!
Tell Deb!
Everyone occupy!
Occupy!
The web!

End.

Anyone can 'Google' this- DID SPECULATION FUEL OIL PRICE SWINGS, and watch that 60 Minutes segment on the web from 2009 in order to understand why oil prices surged in 2008, and why they have risen once again.

Feel free to type in 269041 at this site and go to 'Consumer Comment #3' at Ripoff Report #269041, entitled "Blame it on a Lawyer" and read the following quote that starts paragraph four. Here it is-

QUOTE: "A Harvard Business Professor said that EXPOSURE is a corporation's WORST FEAR!" - Tuesday, August 21, 2007. 

Thank You

WELCOME TO AMERICA- OUR GOVERNMENT IS BEING CONTROLLED BY A CARTEL OF CORRUPT, GREEDY, AND INEPT BANKERS WHO ALSO CONTROL WALL STREET AND EVEN THE PRICE OF OIL
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#3 Consumer Comment

SQUID'TOXIC' POEM....

AUTHOR: Karl - (USA)

was submitted at this website on March 14, 2012.

Just type in 508984 at this site to see if it is available in the consumer comments section at Ripoff Report #508984.

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***NATIONWIDE BANK ALERT: Make sure to stay at this site and type in- BANK, and read the Ripoff Reports from people all over America for important information if you have a bank account or a mortgage.
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#4 Consumer Comment

ROBOSQUID POEM......... just type in 753420 at this site........

AUTHOR: Karl - (USA)

and it appears in the consumer comments section at Ripoff Report #753420.

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#5 Consumer Comment

*****INVESTOR ALERT: Please be sure to notice how the stock market rises as oil prices go up.......

AUTHOR: Karl - (USA)

and when oil prices decline, the stock market also tends to go down.

EXAMPLE: Yesterday, March 6, 2012, the Dow Jones lost 203 points and oil prices fell. Today, March 7, 2012, the Dow Jones gained about 78 points and oil prices went up.

Simply 'Google' this- ENERGY & OIL PRICES, and go to the related sites in order to see that Nymex Crude is up 1.65% at 15:46 PM on March 7, 2012. Nymex Crude is up $1.73 a barrel. (It is $106.43 a barrel at this moment.)

Keep watching how rising oil prices tend to make the Dow Jones and the NASDAQ rise, as well as stock markets all over the world.

Finally, feel free to 'Google' this- DID SPECULATION FUEL OIL PRICE SWINGS, and watch that 60 Minutes segment on the web for important information that all investors should know.

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***NATIONWIDE BANK ALERT: Make sure to stay at this site and type in- BANK, and read the Ripoff Reports for important information if you have a bank account or a mortgage in the USA.
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#6 Consumer Comment

*****INVESTOR ALERT: Feel free to stay at this site and type in- MERRILL LYNCH, and...

AUTHOR: Karl - (USA)

read the Ripoff Reports for valuable information if you are an investor or a homeowner in the United States of America.

Thank You

***WORLDWIDE OIL ALERT: Make sure to type in the following at this site and read the Ripoff Reports for important information-

EXXON
BP
OPEC
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#7 Consumer Comment

UNSUSTAINABLE BUBBLE POEM....

AUTHOR: Karl - (USA)

is available at this website.

Just stay at ths site and type in- SECRET LIFE INSURANCE POLICIES, and it appears in the consumer comments section at Ripoff Report #411913.
(You can also type in 411913 at this site and that will take you there.)

Thank You

***POLITICIAN ALERT: Feel free to type in the following at this site and read the Ripoff Reports from people all over America for important information-

OBAMA
BUSH
CHENEY
CLINTON
REAGAN
COMMITTEE CHAIRMAN
PRESIDENTIAL CANDIDATE
POLITICIAN
US GOVERNMENT
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#8 Consumer Comment

I'M JUST AN AVERAGE CITIZEN POEM...

AUTHOR: Karl - (USA)

was submitted at this website on January 24, 2012.

Just stay at this site and type in- INDYMAC, and go to Ripoff Report #566528 to see if it is available in the consumer comments section.
(You can also type in 566528 at this site and that will take you there.)

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***NATIONWIDE MORTGAGE ALERT: Make sure to type in 481508 at this site and read St. Clair's Ripoff Report for valuable information if you have a mortgage in the USA.
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#9 Consumer Comment

PROTESTER SONG 17........

AUTHOR: Karl - (USA)

is available at this website.

Just type in 646259 at this site and it appears in the consumer comments section at Ripoff Report #646259.

Thank You

***MORTGAGE ALERT: Make sure to type in 481508 at this site and read St. Clair's Ripoff Report for valuable information if you have a mortgage in the USA.
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#10 Consumer Comment

MOB SONG 22.......

AUTHOR: Karl - (USA)

will be submitted at this website soon.

Just type in 453956 at this site to see if it is available in the consumer comments section at Ripoff Report #453956. Please make sure to read Ripoff Report #453956 and spread it all over the web at sites like Twitter & Facebook!

Thank You

***MOB ALERT: Anyone can stay at this site and type in the following numbers and sing all twenty-one "MOB SONGS", which appear in the consumer comments section at the corresponding Ripoff Reports-

411913
506506
271771
269041
555030
496992
472051
506506
646259
458363
684178
724174
472051
481508
586186
271454
505577
429250
793591
502469
608350
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#11 Consumer Comment

GOOFBALLS GALORE.........

AUTHOR: Karl - (USA)

is available at this website!

Just type in 555030 at this site and it appears in the consumer comments section at Ripoff Report #555030.

Thank You

***BANK ALERT: Don't forget to type in all of the following at this site and read the Ripoff Reports for valuable information if you have a bank account in the USA-

WELLS FARGO
FIFTH THIRD
ONE WEST BANK
US BANK
WACHOVIA
CHASE
ALLY
JP MORGAN
CITIBANK
BANK OF AMERICA
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#12 Consumer Comment

GOOFBALLS GALORE.........

AUTHOR: Karl - (USA)

is available at this website!

Just type in 555030 at this site and it appears in the consumer comments section at Ripoff Report #555030.

Thank You

***BANK ALERT: Don't forget to type in all of the following at this site and read the Ripoff Reports for valuable information if you have a bank account in the USA-

WELLS FARGO
FIFTH THIRD
ONE WEST BANK
US BANK
WACHOVIA
CHASE
ALLY
J MORGAN
CITIBANK
BANK OF AMERICA
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#13 Consumer Comment

*****BREAKING NEWS: HACKERS TARGET GOLDMAN SACHS...

AUTHOR: Karl - (USA)

can be 'Googled'.

Anyone can 'Google' this- HACKERS TARGET GOLDMAN SACHS, and read the related articles on the web.

Thank You

***MORTGAGE ALERT: Don't forget to type in the following at this site and read the Ripoff Reports for valuable information if you have a mortgage in the USA-

INDYMAC
MERRILL LYNCH
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#14 Consumer Comment

GOOFBALL SONG 5.....

AUTHOR: Karl - (USA)

has been composed and will be submitted in the consumer comments section at this website very soon.

Just type in- BANK OF AMERICA, to see if it is available.

Thank You

***BANK ALERT: Don't forget to type in 453956 at this site and read Jim's Ripoff Report for valuable information if you have a CD at any of the big banks, like Wells Fargo, and spread it all over the web at sites like Twitter & Facebook!
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#15 Consumer Comment

RIOTS IN LONDON POEM...

AUTHOR: Karl - (USA)

was submitted at this site on August 9, 2011.

Just type in 449481 to see if it is available in the consumer comments section at Ripoff Report #449481.

Thank You

WELCOME TO GOLDMAN SACHS- WE 'SHORTED' THE MARKET A FEW YEARS AGO AND MADE A LOT OF MONEY BECAUSE WE'RE VERY SMART PEOPLE WHO UNDERSTAND THAT THE U.S. ECONOMY HAS ITS FOUNDATION SOLIDLY BUILT ON LIES. JUST 'GOOGLE' THIS- GOLDMAN SACHS EMAILS: FIRM HAD THE BIG SHORT AS ECONOMY FELL, & READ THE RELATED ARTICLES ON THE WEB FOR PROOF
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#16 Consumer Comment

DOUBLE DIP POEM 2...

AUTHOR: Karl - (USA)

is available at this website!

Just type in- BANK OF AMERICA, and it appears in the consumer comments section at Ripoff Report #738846.

Thank You

WELCOME TO GOLDMAN SACHS- WE SENT THE WHITE HOUSE A LETTER LAST WEEK TELLING THEM TO RAISE THE DEBT CEILING SO WE COULD CONTINUE TO OPERATE OUR COMPANY THAT HAS DESTROYED THE LIVES OF SO MANY INNOCENT PEOPLE IN THE USA AND AROUND THE WORLD
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#17 Consumer Comment

ANONYMOUS CFO, IF YOU TYPE IN 529757 AT THIS SITE....

AUTHOR: Karl - (USA)

you might be able to sing the latest song, which was submitted in the consumer comments section at Ripoff Report #529757 on July 29, 2011, okay?

Have a great day!
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#18 Consumer Comment

Anonymous CFO, Make sure to type in 269041 at this site and read....

AUTHOR: Karl - (USA)

what is posted in 'Consumer Comment #3' at Ripoff Report #269041, okay?

That comment was posted thirteen months BEFORE the collapse of the banking system and the stock market crash, which occurred in September of 2008. The Dow Jones lost a record 777 points on September 29, 2008.  

Thank You

***MORTGAGE/BANK ALERT: Make sure to stay at this site and type in the following and read the Ripoff Reports for valuable information if you have a mortgage or a bank account in the USA-

MERRILL LYNCH
BANK OF AMERICA
GM CREDIT CARD SERVICES
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#19 Consumer Comment

Anonymous CFO, Did you 'Google' this- BANK OF AMERICA, GOLDMAN SACHS, AND MORGAN STANLEY UNDER INVESTIGATION, and read.....

AUTHOR: Karl - (USA)

the related articles on the web?

I not, simply 'Google' this- BANK OF AMERICA, GOLDMAN SACHS, AND MORGAN STANLEY UNDER INVESTIGATION, and read the related articles on the web when you have time, okay?

Good luck to you, and feel free to spread your Ripoff Report all over the web at sites like Twitter & Facebook!
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#20 Consumer Comment

*****INVESTOR ALERT: OVER 16 MILLION SHARES OF GOLDMAN SACHS STOCK......

AUTHOR: Karl - (USA)

has been traded at 3:35 PM ET on May 12, 2011.

There is another hour and twenty-five minutes left in today's trading session, and Goldman Sachs' stock is trading at well over three times its normal volume.

Anyone can go to the CNNMONEY website and type in Goldman's symbol- GS, and take a look!

Thank You

***MORTGAGE FRAUD ALERT: Don't forget to stay at this site and type in 481508 and read St. Clair's Ripoff Report for valuable information if you have a mortgage in the USA.
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#21 Consumer Comment

"BUBBLE SONG".......

AUTHOR: Karl - (USA)

was submitted at this website on May 2, 2011.

*Just type in 668678 at this site and go to the consumer comments section at Ripoff Report #668678 to see if it has been posted.

Thank You
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#22 Consumer Comment

"BLANKENSTEIN'S MONSTER SONG"....

AUTHOR: Karl - (USA)

is available at this website!

*Just type in 529757 and it appears in the consumer comments section at Ripoff Report #529757.

Thank You

POWER TO THE PEOPLE
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#23 Consumer Comment

"DESTRUCTIVE MISSION POEM"....

AUTHOR: Karl - (USA)

is available at this website!

*Just type in 646259 and it appears as 'Consumer Comment #59' at Ripoff Report #646259.

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#24 Consumer Comment

"LEAN HOGS POEM".....

AUTHOR: Karl - (USA)

is available at this website!

*Just type in 104690 and it appears as 'Consumer Comment #2' at Ripoff Report #104690.

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#25 Consumer Comment

"SQUIDRACULA POEM"....

AUTHOR: Karl - (USA)

is available at this site!

*Just type in- GOLDMAN SACHS, and go to Ripoff Report #513480 and it appears as 'Consumer Comment #7'.

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#26 Consumer Comment

"I'M DOING GOD'S WORK POEM"............just type in 646259 at this website and.......

AUTHOR: Karl - (USA)

and it appears as 'Consumer Comment #74' at Ripoff Report #646259.

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#27 Consumer Comment

"GOLDMIN SUX POEM"...

AUTHOR: Karl - (USA)

is available at this website!

*Just type in 420576 and it appears as 'Consumer Comment #2' at Ripoff Report #420576.

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HAPPY NEW YEAR!

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