• Report: #653359
Complaint Review:

Inc Fortune and Capital One

  • Submitted: Wed, October 20, 2010
  • Updated: Wed, December 28, 2011

  • Reported By: Bette — Minneapolis Minnesota USA
Inc Fortune and Capital One
Internet United States of America

Inc Fortune and Capital One Success Rate, Push Traffic, Jump Launch, John Raygoza, John Denton Internet Fraud by Internet Marketer "Guru" John Raygoza Results in Lawsuit by Investor Victims Internet

*Author of original report: Greed Trumps Justice: Capital One and OCC Demanding Payment

*Author of original report: The Saga Continues: Capital One and Office of Comptroller of the Currency Engaged in Protecting Fraud

*Author of original report: Ombudsman to Reconsider Irresponsible Capital One/OCC Conclusions

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UPDATE!!!  As previously noted, a lawsuit has been filed on behalf of the Internet fraud victims of John Raygoza and his minions who literally stole money via credit cards, bank accounts, etc., from unsuspecting individuals, many elderly and/or disabled, for a supposed internet marketing course which was actually nothing more than a premeditated moneymaking scheme by unscrupulous crooks.  Please go to this link to access the lawsuit and read the multiple allegations levied against John Raygoza and his cohorts.  These are CRIMINALS in every sense of the word and DO NOT deal with them should they contact you to purchase a phony Internet product or service of theirs.   


The Press Release is located at: 


Thank you. 


This report was posted on Ripoff Report on 10/20/2010 03:29 PM and is a permanent record located here: http://www.ripoffreport.com/reports/inc-fortune-and-capital-one/internet/inc-fortune-and-capital-one-success-rate-push-traffic-jump-launch-john-raygoza-john-de-653359. 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.

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Updates & Rebuttals

#1 Author of original report

Greed Trumps Justice: Capital One and OCC Demanding Payment

AUTHOR: Bette - (USA)

Here is my latest letter sent following correspondence received by the OCC in support of Capital One's unremitting demand for payment despite the scandal involved which I and many other individuals fell victim to. 

Office of the Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street, Suite 3450
TX  77010-9050

Capital One
Attn:  Lori Whaley
PO Box 85870
VA  23285-5870

Charles V. Ferguson
Consumer Services Division
Office of the Attorney General
Suite 1400
445 Minnesota Street
St. Paul, MN  55101-2131

Re:       Capital One Acct. No. 9058
            Dispute Amount:  $2,000+ (closer to $3,000 w/ accumulating interest)
            Merchant:  INCFORTUNE.COM
            OCC Case  No. 01169394
            MN Atty. Gen. File No. CVF/2010/428716/1
            US District Court File No. CV10-9860 DMG (JCx)

Dear Sir/Madam:

The information previously provided should have been more than adequate and convincing to prove that the merchant (John Raygoza, Inc Fortune, Success Rate, Jump Launch, etc. ad nauseum) were fraudulent faade businesses set up specifically to steal money from the public and contribute to the undue enrichment of known criminals.  They NEVER intended to operate as a legitimate business enterprise.  They would contact victims from a lead sheet, deceptively maneuver their banking information from them, and charge their credit cards to the max without authority or permission.  As soon as authorities were contacted regarding their illegal business activities, they would merely set up business under another name and continue their theft.  This information is all formally documented within the records of my attorney, Jonathan Levy, who brought a class action lawsuit against the criminals in California Federal Court.  Mr. Levy is in possession of numerous signed affidavits from employees who were recruited by Raygoza to help him do his dirty work who witnessed the deliberate and aggressive tactics used by the team to extract money from people, many of them elderly whose life savings were stripped from them as Raygoza, et al unlawfully
charged up their credit cards without the victims knowledge or authority.  This group of felons is the merchant that Capital One is protecting and to whom they are demanding that I make payment to.  Isnt it ironic that at the same time there is an outstanding U.S. federal court judgment against these criminals in the amount of $940,000+ as a result of the class action lawsuit against them brought by the victims of their crimes, myself being one of them?  I truthfully have NEVER witnessed such a bizarre scenario.  The assumption that I would turn around and pay the criminals for stealing money from me when they actually owe me money for their illegal activities is beyond belief. 

Capital One and the OCC continue to bring up the fact that they had my credit card number.  For your information for the millionth time, they obtained it deceptively and not for the purpose of paying for membership in their illicit business.  John Raygoza was using an alias, John Denton, and contacting people to solicit members.  He called me (that in itself being a violation of FCC Blue Sky Laws) and insisted that I had a large credit ceiling on my cards.  I was adamant that I did not.  He basically asked me to prove it.  So, I gave him my credit card number to prove that I did not have the $5,000 that he said it would cost to join their group.  He then proceeded to charge my card to the full limit of the credit available, that being $2,000 or so.  I did not give him permission to do this.  He simply went in and charged it.  He told me that I would have $5,000 back by the next Friday and not to worry about it.  I vehemently objected, but he would not cooperate.  I hung up the phone and didnt know what to do.  It was then that I received a call from Capital One themselves advising that a John Raygoza had just attempted to charge another $500 to my card which exceeded my credit limit so it was not accomplished.  That in itself should prove to Capital One and any other governmental consumer agency that they had devious and sinister intentions and that this was not a legitimate operation set up to conduct a respectable, legitimate business.  I really didnt know what to do.  I mistakenly decided that if I would have $5,000 by the following Friday as Denton/Raygoza promised, that I would just leave it as I expected that it would be a huge hassle with Capital One to try and resolve it.  Denton/Raygoza said I should simply sign a paper they faxed me which he indicated was nothing more than a promise not to reveal their trade secrets to anyone else in the industry period.  My signature was, therefore, obtained under false pretenses.  I did not knowingly or willingly subscribe to the terms and conditions of their phony contract.  This was coercion and deception at its best.  Within a very short amount of time and well within the three-month required time limit set by apital One in which to file an objection, I contacted Capital One and advised that these people were operating a fraudulent organization and that I wanted a charge back.  Merely the fact that Raygoza tried to charge an additional $500 to my Capital One account without my knowledge or permission should have been enough for Capital One to perform a charge back.  Instead, they have sided with these criminals from day one.  John Raygoza is a thug and a gangster.  He may well have made physical threats of harm to Capital One employees as he did to me by phone after I refused to pay Capital One. 

My objective now is to denigrate and smear the name of Capital One and the OCC wherever and however I can.  Any entity that prefers to give preference to criminals despite their being rendered guilty in a court of law deserves no less treatment.  Capital One and the OCC are despicable organizations, and I intend to get the word out to all vulnerable consumers that these entities WILL NOT advocate for them as the victim of illegal activities.     

The fact that these men (Raygoza and two relatives primarily) have been taken to court and proven to be felons with a judgment issued against them for operating an illicit business should render any agreements, contracts, or whatever other documentation they produced to be null and void.  How can an agreement stand when the business has been deemed to be a fraud and the operators deemed guilty by a federal court judge?!!!  No wonder this country is in the state that it is in when the criminals are protected and the public is victimized and punished!  How BIZARRE is that?!!!  The inmates ARE truly running the asylum!!! Decisions such as this on the part of Capital One and the OCC are abominable and expose them as being the criminal-harboring entities that they are!!!  If these are the groups to whom we are to entrust our money and its safety and who we depend on to PROTECT us as consumers, we are in HUGE trouble as a nation!  They are deplorable organizations. 

John Raygoza and his cronies, by the way, are headed to jail for a long, long time.  In addition to their illegal business activities, they are guilty of kidnapping and torture as well as assaulting a police officer.  These are the men that Capital One and the OCC are protecting. 

How sad and pathetic is that!  If you can imagine, the customer service representative for the OCC, Sharon Gilstrap, Appeals Program Manager, Office of the Ombudsman, after turning down my request for an appeal of their decision affirming Capital Ones stand, hadthe audacity to suggest that perhaps I could use some judgment money to pay off the Capital One charge. 

Where do they get these people?  Are you kidding me?!!! 

Its obvious that the world is consumed by greed, especially banking institutions such as Capital One.  They have gotten away with their skewed, nonsensical business practices and policies for far too long.  I will NOT pay the outstanding amount to Capital One.  To do so would be lending credence and legitimacy to criminals who have been found guilty of crimes against me and numerous other innocent victims.  Its a matter of principle as well as documented facts.  

Yours truly,      
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#2 Author of original report

The Saga Continues: Capital One and Office of Comptroller of the Currency Engaged in Protecting Fraud

AUTHOR: Bette - (USA)

Let me just share with you my letter to Capital One dated October 27, 2011 after receiving their decision to continue pursuing payment from me with total disregard to the blatant fraud committed by the merchant, Inc Fortune (and a whole host of aliases), involved in this matter.

Capital One Case # 10001777144334

Dear Sir/Madam: 

Be advised that this matter has been appealed to an Ombudsman through the Office of the Comptroller of the Currency.  Your failure and that of the OCC to recognize the criminality of the actions of John Raygoza, Inc Fortune, etc., and your bizarre expectations that I make payment essentially to them when they, in fact, owe me and numerous other individuals a $940,000+ judgment is beyond imagination!  You truly live in an alternate universe and you people are akin to aliens!  The federal court judge did not have to issue a judgment against the crooks, i.e., Raygoza, etc., in the default action but felt that the case against them was so strong that it merited a significant penalty.  These men are also charged with criminal violations and facing long jail sentences in association with assault of a police officer and kidnap and torture in another matter.  Just why would you so blatantly and wrongly side with them instead of their victims?  Justice is really BLIND in this matter when it comes to your assessment with no insight or reasoning being utilized whatsoever!!!

I continue to update the status of this matter on Internet complaint boards including Rip Off Report, etc.  It's truly amazing how many others have also been victimized by Capital One whose stories are reflected there.  Obviously, you are in this business solely for profit and don't place any value or importance on justice and fairness to your customers.  You are unethical and immoral in your business practices, and I, as well as others, are seeking to get the word out to the public not to engage in any dealings with your company.  What's in your wallet?  God help you if it's a Capital One card!!!

Yours truly,

As expected, Capital One responded indicating that "this is a valid debt" and that "Capital One reserves the right to pursue all lawful means to collect it."  Their little minion customer service rep, Lori Whaley, provided her direct number:  804-284-6324. 

This is not the end of my update, unfortunately.  I contacted the Office of the Comptroller of the Currency then to determine the status of my appeal to an ombudsman since the OCC previously sided with Capital One like the good bedfellows that they seem to be.  I spoke to a Sharon Gilstrad at 202-874-1530.  She was not amenable to my filing an appeal in this matter and, get this, suggested that PERHAPS I COULD PAY CAPITAL ONE OFF FROM ANY JUDGMENT PROCEEDS!!!  Are you kidding me?!!!  Pay off a debt owed to crooks who fleeced me with judgment money granted to me for damages by federal court?!!!  Where do they find these "customer reps" and how can any consumer possibly obtain justice and resolution with minds that operate in this way!!! 

Please feel free to call and harass the above two individuals to your heart's content!!!  I have, seriously, never witnessed such overt mishandling and outright deceptive, fraudulent and devisive business practices in my life!!!

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#3 Author of original report

Ombudsman to Reconsider Irresponsible Capital One/OCC Conclusions

AUTHOR: Bette - (USA)

I am appealing the unethical, immoral and irresponsible conclusions arrived at by Capital One and the Office of the Comptroller of the Currency in this matter.  There is always a question in my mind as to political connections when it comes to government agencies faced with rendering punitive decisions against industries such as the banking community, i.e., Capital One.  Hence, I will leave it in the hands of a supposedly independent Ombudsman to determine the matter.  It leaves one to wonder if the whole entire system is rigged against consumer victims. 

Prior to my formal appeal to the OCC for review by an Ombudsman, I received this letter from
Capital One dated October 17, 2011 that I'd like to share:

Capital One Case ID:  10001751745220


I am writing regarding the additional correspondence you recently mailed directly to our offices.  We appreciate the opportunity to revisit your concerns.

In your correspondence, you continue to express dissatisfaction with our previous responses concerning your dispute with INCFORTUNE.  You also include documentation pertaining to a default judgment against John Raygoza.  Please allow me to respond.

Ms. _______, we maintain our position as presented in our previous responses regarding this matter.  While we certainly sympathize with your situation, you are responsible for the full balance on your account.

We welcome the opportunity to seek an amicable solution regarding your account.  We encourage you to contact our office at 1-800-258-9319 and speak with our Recoveries Department to determine if any payment arrangements or settlement options are available to you.


LORI WHALEY, on behalf of Capital One
PO Box 85870
Richmond, VA  23285-5870

Pretty unbelievable.  Final payment was made to them previously which they accepted with no objections whatsoever.  Therefore, the matter should be legally closed with no further payment due by me whatsoever.   

These strong-arm tactics are seemingly becoming more prevalent by banking institutions regardless of the legitimacy of consumer complaints.  Unfortunately, those agencies initially created to assist consumers against injustices as in my case seem to be turning their back on the very taxpayers who are paying their salaries.  As stated before, it seems that politics may very well play a part in the ultimate actions of many governmental agencies when it comes to consumer complaints regarding fraud. 

Let's see what conclusion the Ombudsman arrives at based upon my appeal.  The results will be posted when received.   
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