AdMediary is scammer eDebitPay rebranded?
Bill Wilson, founder of SolarJoy.com, co-founder of AdMediary, and President of eDebitPay, is also known as Bill Wilson, Jr. and William Richard Wilson. Bill Wilson co-founded eDebitPay which is known as a scam operation that routinely made unauthorized debits from consumer accounts and was allegedly involved with check forgery. To learn more about the damage eDebitPay has done and the pain it has caused click here, eDebitPay Ripoff.
eDebitPay also known as eDebitPay, LLC, EDP Reporting, LLC, and a slew of other names was founded in 2002. Bill Wilson founded clickXchange Corporation (Clear Compass Digital Group ) and served as its President and Executive Vice President of Sales the same year. He lists clickXchange instead of eDebitPay on his LinkedIn profile.
Dale Paul Cleveland also known as just Paul Cleveland and Dale Cleveland, is listed as the CEO at clickXchange. Click here, Dale Paul Cleveland LinkedIn. You’ll find pictures and more information about Mr. Cleveland here. Paul Cleveland is the husband of Cynthia Cleveland and a resident of Beverly Hills. Cynthia Cleveland is associated with Broadthink and CPP,Inc.
Numerous complaints and FTC judgments indicate that Bill Wilson along with Dale Paul Cleveland exploited people in need of money, including but not limited to, veterans, the undereducated, the unemployed, and the hungry. They ripped off good American folks.
Bill Wilson (pictured) and Dale Paul Cleveland undoubtedly made a substantial amount of money through their various frauds. Mr. Wilson has gone to great lengths to whitewash his past. He has removed references to eDebitPay from his history. You can visit the eDebitPay site as it looked in 2009 and view Bill Wilson listed as President and Dale Paul Cleveland (Paul Cleveland) listed as CEO by clicking here, EDP Technologies (eDebitPay).
It could be argued, based on publically available information, that Bill Wilson and Dale Paul Cleveland are sociopathic and maybe even psychopathic. They took “nickels and dimes from poor people,” said Ariel Vee, an assistant attorney general with the Oregon Financial Fraud and Consumer Protection Unit.
Bill Wilson was invited to sit at the Entrepreneurial Leaders Roundtable. It is our opinion that he is not an entrepreneur any more than the bully stealing lunches from smaller kids is an entrepreneur. The FTC cases are proof that he and (Dale) Paul Cleveland defrauded countless Americans to enrich themselves. We can’t find any examples of where they added value in the form of job creation, thought leadership, or innovation.
Where is Mr. Wilson’s legacy “achievement” eDebitPay? Why is he erasing it from his “entrepreneurial” history? Why does he now claim on his LinkedIn profile that his time between 2002 and 2013 was spent with clickXchange when FTC filings and complaints spanning years indicate he was running eDebitPay?
For the record we don’t know if eDebitPay became Admediary. It’s possible that the personal information seized by eDebitPay through its spurious sites would be transferrable to AdMediary and it could be that clickXchange (Clear Compass Digital Group) captures personal information through it’s affiliate offers which it then transfers to AdMediary. But we aren’t sure.
However, a Mike Wilson is listed as the Senior Vice President of Marketing at Clear Compass Digital Group (clickXchange). Roland Navarro de Ros, who has removed references to eDebitPay from his profile, was quoted as saying, “EDebitPay – Bill and Mike Wilson. I will not be here today without them. They taught me almost everything I know.” Read more here, An interview with Roland Navarro de Ros from Tracking202 Pro who you will know from EDebitPay.
Seems like Bill and Mike Wilson could be related, doesn’t it? Below is an overview of the known fraudulent activity, lawsuits, FTC claims, state clams, sanctions, and settlements of Bill Wilson, Dale Paul Cleveland, and their helpers. In our opinion, any settlements made were just token and did not come near to amending the damage done from 2002 through 2013.
In 2013 the Oregon attorney general’s office banned eDebitPay, LLC, a company that racked up nearly $6 million in federal fines from operating in the state, claiming it targeted low-income consumers looking for payday loans online.
No cash ever appeared in consumers’ personal bank accounts, but hundreds of dollars found their way out.
EdebitPay, which operated through various subsidiaries, has agreed to refund $115,119 to 1,125 Oregon consumers and pay $50,000 to the state’s Department of Justice. The company is based in California, but conducted some business through a Portland post office box from 2010 to 2012, according to the AG’s office.
Since 2008, the Federal Trade Commission — the nation’s consumer protection agency — has levied fines totaling $5.9 million over similar allegations against EdebitPay and its owners, Dale Paul Cleveland (Paul Cleveland, Dale Cleveland) and William Richard Wilson (Bill Wilson, Bill Wilson Jr., son of Bill Wilson Sr.).
And, unlike other businesses that fall under the agency’s microscope for similar accusations, the pair continued operating under the same business name.
Consumers who found EdebitPay’s websites or clicked on Internet and Facebook ads would fill out online applications with personal and financial information. Soon after, according to the complaints, they discovered EdebitPay made unauthorized withdrawals starting with a one-time $99 “membership fee,” followed by automatically recurring charges ranging from $14 to $20 a month. The debits, caused some to rack up hundreds in overdraft fees.
The attorney general’s office received 15 complaints against Premier Membership Clubs and Platinum Online Group, subsidiaries with Portland P.O. boxes. In one complaint, a single mother of six from Georgia wrote that she’d been attempting to secure a loan to pay for her son’s college tuition. She never got a loan, but saw a debit for $99 and a subsequent overdraft fee.
Platinum and Premier have been linked to a handful of “membership clubs.” EdebitPay said it has a total of 5,110 members in Oregon.
According to its profile on the business networking website LinkedIn, EdebitPay was founded in 2002. Cleveland is listed as the CEO, Wilson as president. It describes itself as “a leader in online performance based marketing. Having set itself apart from its competitors.”
The FTC fined EdebitPay $3.7 million in May 2011 for violating a court order stemming from an earlier settlement with the agency.
In the 2011 contempt case, the FTC said the company ran a deceptive marketing firm selling “bogus” $10,000 credit lines to consumers who were unemployed or who had poor credit. That business model violated the company’s 2008 agreement with the FTC to stop misrepresenting financial products sold to consumers.
In the 2008 case, the FTC thumped EdebitPay and its owners for unauthorized debits from consumers’ bank accounts and “deceptive marketing practices” in selling prepaid debit cards and short-term loans. Cleveland and Wilson agreed to pay $2.2 million in fines and promised they wouldn’t withdraw from a consumer’s account or bill them “without first obtaining the consumer’s express informed consent.”
FTC representatives did not return a call for comment on the Oregon case.
The company — which faces a class-action lawsuit in California — made a similar settlement recently with the Iowa attorney general’s office, according to Oregon officials.
We may have offered opinions and thoughts here and there but we didn’t make any of this up. This article contains excerpts from the Oregonian.
To learn more click here, Bill Wilson and Dale Paul Cleveland fraud.
To read all of the nasty details click here, eDebitPay.
For pictures of the scoundrels, click here, Find the Fraud
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