Traffic Monsoon, PayPal Refunds and Charles Scoville.

(last updated 8th  August 2016 - scroll to bottom of page)

How to get your funds back from PayPal:

Step 1
Navigate to PayPal’s Resolution Center Web page and click the “Dispute a Transaction” button.
Step 2
Check the box next to the reason why you are requesting a refund, and then click “Continue.”
Step 3
Enter the transaction ID for the item or service you dispute, and then click “Continue.” If you don’t know the number, click the “Find Transaction ID” button.
Step 4
Review the transaction information and indicate the reason you are disputing the transaction. Click the “Continue” button to submit your request. After you submit your request, the seller receives the dispute information and can respond directly through the Resolution Center.

Step 5
Escalate the claim if you and the seller are unable to resolve the issue within 20 days of opening the dispute. If a case is not escalated within 20 days of opening a dispute, PayPal automatically closes the case. To escalate a claim, hover your mouse over the Resolution Center link on the PayPal toolbar and select the “View Open Cases” option.
Step 6
Click “View” next to the open dispute you want to escalate, and then click “Escalate this dispute to a PayPal claim.”
Step 7
Follow the on-screen instructions to provide PayPal with further evidence, and then click “Escalate to a claim” to submit your request and activate the claim. While PayPal tries to resolve a claim within 30 days, the process may exceed 30 days depending on the complexity of the case. PayPal will notify you after reaching a decision and may issue a refund based on the investigation.'

n.b YOUR REASON FOR A REFUND IS 'SERVICES NOT RECEIVED'.

'Compose your message to seller' is a message to Charles. Tempting through it might be to call him a lying scumbag, it won't get you very far!
I suggest something along the lines of:
'I have just found out that Traffic Monsoon is an illegal Ponzi scam and I would like my money back.'

Traffic Monsoon is not defending these refund requests so, by default, you should get your money back.

The funds are readily available for you to claim.
If you've had a claim refused, we suggest you try again and escalate the claim to Paypals fraud department.

Helpful Tips from other affiliates:

                ***********************
'How to get your funds back from PAYZA:

I had bought only one adpack thankfully and bought it trough PayZa right before this unraveled. I just got off a Chat with PayZa and they instructed me how to file a dispute, there is a 45 day window for disputes with Payza.
It is as follows:

Sanjay / Customer Support: If you are not satisfied with a good or service purchased, the option to file a dispute through the Resolution Center is available so long as the transaction is within 45 days. If the transaction is beyond this time frame the status for filing the dispute will read as “Expired” and the option to dispute this transaction will cease.

13:34Sanjay / Customer Support: To file a dispute simply follow these simple steps:
13:34Sanjay / Customer Support: 1. Log in to your Payza account
13:34Sanjay / Customer Support: 2. Click on the “Account" tab in the navigation menu to the left
13:34Sanjay / Customer Support: 3. Click on "Resolution Center"
13:34Sanjay / Customer Support: 4. Locate the transaction to dispute against and click on File dispute”
13:34Sanjay / Customer Support: 5. Fill in the required information and click on “Next step”
13:34Sanjay / Customer Support: 6. Confirm the information and click on “Next step”
13:34Sanjay / Customer Support: 7. Read and agree to Payza’s User Agreement and the seller’s terms of service (if applicable) and click on “Finish”
13:34Sanjay / Customer Support: Once the dispute has been filed please allow the seller up to 7 days to reply through the Resolution Center. Ideally the seller will reply to a message the buyer leaves within 7 days to resolve this issue or vice versa.
Please pass this on. '

Sanjay.

                                                         ************************
'1/Log in to your account.
2/Find the transaction you'd like refunded.
3/Click on 'Contact owner'.
4/ Select 'service not provided' or ' not received', or ' not as described'.
The 'reason to Escalate' is 'Fraudulent Vendor'.'

Ivan Medvedev

'In your Paypal account, click on "Proceed to Account Activity" At the bottom of the resulting page, click on "View all" In the resulting page at the top left hand side click on the arrow next to "LAST 90 DAYS", then choose "2015" in the dropdown box.'

Steve Garf.

'GREAT NEWS PAYPAL ARE ACCEPTING CLAIMS AGAINST TM FROM TODAY 18 Feb 2016. They said they are getting too many calls from Tm members to dispute and TM is reported to FBI http://www.ic3.gov/default.aspx . CALL THEM NOW and ask for CLAIMS AND DISPUTES TEAM'
Noman Musharaf
                                          *******************************

A Time-Line of recent events:

11th January 2016

PayPal froze Traffic Monsoons account. Initially, Charles denied this had happened, stating:
'(Traffic Monsoon will) ...setup an office in the World Trade Center Dubai. Part of this process is also setting up a bank here, and having an additional business registration here in the UAE. We're transitioning from using PayPal to opening our own TM World Bank. Our goal with opening our bank is to send you TM MasterCards for easier access to your earnings!'

Americans are not allowed to open Banks in the UAE due to the USA Tax laws. But even if he COULD get round those laws, he has to apply to the Dubai Financial Services Authority https://www.dfsa.ae/ - which takes a minimum of four months.
A useful guide explaining this procedure is here:
http://www.nortonrosefulbright.com/knowledge/publications/54330/obtaining-a-dubai-financial-services-authority-licence


17th January:
Charles posted:

'...$31,259,465.00 + $20,246,413.89 = $51,505,878.89
We're in transition to move these funds out of PayPal. I have a meeting today, and if all goes well then we'll have 13 million to cover all member account balances moved into the bank, ...'

The funds were NOT released into Payza, so you can assume the meeting did NOT go well.


22nd January:
Charles released this email from PayPal stating:
'The reason for Paypals decision to part ways with your organisation is due to the size of growth in a very short time frame, this creates too much risk for Paypal.'

This means that PAYPAL parted ways with Traffic Monsoon, NOT the other way round as Charles had stated. 


25th January:
From a video Charles and Immy released:

 '...they're (TM) also going to open a bank account with Emirates NBD which can supply Business Debit cards.'
So now they're saying that they plan to open a Bank ACCOUNT, in Dubai.

29th January:
Charles now wants you to use PAYZA to deposit money into:
'PayPal is now up to $58,553,217.77 -- Please get the word around to start using Payza for purchases...'

Paypal has withheld funds of around $60 Million.
Traffic Monsoon claims to have over Two million members. 
That works out at around $30 per member.

4th February:
From Sharon James Facebook page:
' UPDATE!!!
News just in Via Sharon James
Well folks as promised an UPDATE from Immy Aslam I have just spoke to him in Dubai and yes wait for it the Dubai Bank is OPEN yes that is trading from next week we will have our own system to take payments and the System will box off all the awaiting in process payments so guys and girls be patients payment on debit and master cards still in testing as we want no glitches.
I would like to congratulate Charles and Immy on their HUGE MISSION.'

5th February:

'We're about to enter the next phase as we've moved away from PayPal.
Next week we expect to have our own credit card processing system built into the website so our members can begin making purchases for our services directly.
The TM World Bank is still in progress. In the meantime we'll be processing withdrawal requests through payza...'
Charles now says he is opening his own PAYMENT PROCESSOR that you can purchase i.e DEPOSIT money INTO, but you must still WITHDRAW using PAYZA.


7th February:
Charles released a You Tube video stating that he is now in partnership with the MSBC group which offers 'banking solutions'.
http://www.msbcgroup.com/

https://www.youtube.com/watch?v=fFxaEmSLSRM
This video has now been removed.


8th February:
Sharon James posted a You Tube video stating that she had spoken to Charles and there were now problems with PAYZA and everybody should open an account with STP instead.


9th February:
Charles quote:
'...We're in a position where most of the funds that belong to members are inside paypal and paypal is not allowing funds to go out. We've retained one of the top attorneys in the USA to help with this matter. Their only reasoning for holding onto funds is because we grew too fast in a short amount of time...'

We have yet to know who this attorney is?

11th February:
Charles quote:
'...Worse case scenario, PayPal will release the funds in a max of 180 days

(six months) and everyone's pending withdrawals will be paid...'

14th February 2016:
Todays post from Charles:
'In time the bank will be ready. In time we'll get the funds out of paypal. In time all things will come about. It's not always our time, or within our frame of patience. This is a test from the almighty. Who we are at our core will be proven to our creator through this test.
PayPal was everyone's favorite way to pay, so what we're seeing is a drop in revenues because people preferred PayPal for making purchases ... I feel confident that when we get the funds out of PayPal to pay people... and an easy way to make purchases, things will become back to normal. That's why our #1 focus right now is getting the bank finished, build our payment gateway, and get the legal help to release the funds from PayPal.'

Which means the Bank won't be opening any time soon, despite the earlier announcements. 

20th February 2016
From Charles webinar today:
'...the World Wide TM Bank is ON HOLD for a little bit especially as we need to release those funds out of PayPal. At what stage we might pick those plans up in the future, I don't know. Or if we might take a different direction altogether, I don't know. There's definitely alot there that needs to be sorted out...

...or will it just benefit the members most to just open up a bank account somewhere and handle some types of merchant services. And it probably wouldn't be in Dubai, we'd have the Bank account in the US...'

So there is NO TM Worldwide Bank.
NO payment processor.
NO Bank account...and your accounts are still pending!


Chargeback Clarification:

The general rules of Chargeback only apply if you've paid for a service DIRECTLY through your Bank Debit or Credit Card.
If you go through a Payment Processor like PayPal, their own specific Refund (Chargeback) policy applies. This has a strict time limit so you need to request a refund ASAP.
Your first contact for a refund should be the Payment Processor you used.
If the processor refuses, you should THEN contact your Bank and/or credit company. They MAY help you, but are not obliged to.

When Traffic Monsoon closes down, your case for a Bank Chargeback is stronger.

I recommend you contact:
ActionFraudUK :
http://www.actionfraud.police.uk/

The FBI:
http://www.ic3.gov/complaint/default.aspx


and the Police and Authorities in your Country immediately to report Charles and Traffic Monsoon as a PONZI scam.

If the Authorities close Traffic Monsoon, they will likely seize Charles money so it can be returned to the affiliates affected.

Specific PayPal Refund/Chargeback Information: 

Why are some people getting Refunds/Chargebacks and others are being refused?

Because Charles is the 'seller' and YOU are the 'buyer'.
You have supposedly brought a 'service' from Charles, advertising. You can't, therefore, argue that you haven't received the service you paid for, if Charles has already given you money back when you requested withdrawals.

You would have a Chargeback case only if you HADN'T been paid -ever. A Chargeback from a Credit Card company or debit card via a third party processor is rare. Some banks and Credit Cards ( Barclaycard is very good) will certainly help you. Most, unfortunately, will not. So try PAYPAL first for a refund of your deposited funds, and if that fails, then you can certainly try your Bank/ Credit card. (You have 540 days to do this). 

Some information regarding third party processors:
'In some cases we see, the consumer has bought online, using a credit card on a website that uses a secure third-party payment system to process credit card payments.

Section 75 may not always apply to transactions made this way, because this payment mechanism can break the chain of arrangements that must be in place between the consumer, the lender and the supplier.

But there are many different types of payment mechanisms used on suppliers' websites and not all of them prevent section 75 from applying. Where there is a dispute on this point, we look at the specific payment mechanism used and decide whether section 75 applies in the particular case.'

General Chargeback Information is here:

http://taratalkstoday.blogspot.co.uk/p/get-your-money.html

Many people have contacted us saying that they won't request a refund or Chargeback from Charles because they're afraid their account will be closed. The truth is, your account is now worthless. The lies Charles have told are documented above. And he has previous failed PONZI's that have all gone the same way.

Accounts were frozen, companies were closed and affiliates lost thousands of dollars.
Charles is now stalling for time because he knows that PayPal have a time limit on refunds.
If you want your money back - you MUST contact PAYPAL immediately.

TODAY. NOW. 

29th April
To all those people who are waiting for the 180 days when PayPal will magically release their money - forget it!
It WON'T happen. 

Hi Tara,
Thank you so much for your advice . The bank told me to write to PayPal first which I did . I got my money back from PayPal. TM doesn't respond to letters from PayPal .
I adviced six of my friends to do the same and they too have received their monies EXCEPT for the ones which has exceeded the 120 day duration. I feel sorry for the people who are being told to wait for 180 days. They are in for a rude shock.
.keep up the good work.
NB: how does this guy get away with blatant thieving is a question I am left with.

26th June 2016
News of refunds are still trickling through, we had another one today, so please don't delay. It isn't too late.
More successful refunds on here:

http://taratalkstoday.blogspot.co.uk/2016/02/traffic-monsoon-paypal-successful.html


7th July 2016


PAYPAL CHARGEBACK INFORMATION - GREAT NEWS!
Have you been refused a Chargeback from PayPal?
If so, check your PayPal account today. It seems that PayPal have started refunding previously refused Chargebacks:

'Hi Tara,
When PayPal first pulled the plug on TM, I applied for a refund and it was challenged, and ultimately not paid back to me. I just had an email about a cancelled payment from TM, logged in to my PayPal account and the full amount was in there and I have successfully transferred it to my bank account. Looks like PayPal are honouring all previously refused charge backs.'

'A couple of months ago, I disputed a payment to TM, thru Paypal. This was denied.
Today (the 7th of July), I got a pleasant surprise.
Paypal send me a mail that the payment was cancelled and it was indeed back on my Paypal-account. Almost $1500 back. Great! '

'PayPal had originally refused my claim too, although I had partial success claiming via my bank. I filed a complaint with the ombudsman, and then yesterday evening I received multiple refund payments from PayPal. I'm not sure if it has anything to do with the ombudsmans involvement as I am yet to hear from them.'

'Check Paypal! I originally filed for a refund with paypal a few months ago and was rejected. Ive been going through the process with my bank when today this! According to other groups, alot of people got money refunded!'

Please let me know if you too, find some money in your account!

8th August 2016
Traffic Monsoon has been closed down and won't re-open.
The receivers have taken over the website and Charles
has no access to any funds.
You will no longer be able to withdraw money from your account.
This is a brief summary of the procedure to try and get your money back:
You need to first contact your payment processor (Paypal/Payza/STP etc) for a refund. If they refuse, try for a Chargeback from your Bank or Credit Card company. (Information on link attached). In summary, you are claiming for 'services not received' under the 540 day Chargeback rule. You need to contact the Banks Fraud department - NOT RETAIL DISPUTES -

All the information you need to help you is on this page:

http://taratalkstoday.blogspot.co.uk/p/get-your-money.html


Not all Chargebacks are successful so if your Chargeback application fails, the Receivers may eventually refund a percentage of any ORIGINAL SEED MONEY money you paid Traffic Monsoon but this may take months/years I'm afraid.
Details of the receivers and how to claim will follow at  a later date.



http://taratalkstoday.blogspot.co.uk/p/traffic-monsoon-scam.html