It was the unexpected request for $1,670 that finally exposed the fraud behind their operation.

They called it a “refund insurance fee,” claiming it would be refunded after payout. Of course, no refund ever came. Dozens of others reported the same scheme. The cleft structure of their language mirrored their tactics—splitting truth and lies. They presented every demand as temporary, every theft as procedural. But there was nothing procedural about it. Their entire structure existed to extract more cash, then disappear. The so-called refund insurance was the final act in their scam playbook.