‘ACHIEVE COMMUNITY’: Stranger And Stranger, Murkier and Murkier

An "Achieve Community" promoter recorded a commercial for the purported opportunity at an FDIC-insured bank last year. Photo source: YouTube screen shot.

An “Achieve Community” promoter recorded a commercial for the purported opportunity at an FDIC-insured bank last year. Photo source: YouTube screen shot.

UPDATED 11:41 A.M. ET U.S.A. On Nov. 12, 2013, an entity known as “The Universal Church of Charitable Life Inc.” filed articles of incorporation in Florida. It listed its base of operations at a street address in Saint Petersburg, a city in the Tampa region.

Its nonprofit mission, according to the Florida filing, was to “act with charity providing relief to homeless and distressed people locally and internationally while providing spiritually educational resources.”

How much relief the firm provided is unclear: Florida dissolved the purported church in September 2014 for failure to file an annual report.

Certain managers or agents of the church also are listed in Florida filings by a company known as Binary Wallet LLC. Binary filed articles of organization on July 15, 2013, listing an address in Palmetto Bay, a Miami suburb.

Binary appears also not to have filed an annual report, because the word “reinstatement” appears in 2014 Florida records for the firm. Binary subsequently filed a report for 2015, listing an address in St. Petersburg and the names of at least three people whose names also appear in the church filing.

One person listed in the church’s articles of incorporation — but not in the articles of organization for Binary — is James T. Lovern. This perhaps is because Lovern had been implicated in a telemarketing/government-grants swindle. The case was prosecuted by multiple states, including Florida and North Carolina.

Also involved in the prosecution of Lovern, according to a document on file at the Federal Communications Commission, was the state of North Dakota. Massachusetts also prosecuted Lovern.

On Jan. 28, 2009, The Tampa Tribune reported that Lovern had pleaded guilty to tax evasion. The church, Florida records show, would come later.

A website styled BinaryWallet.com appears online and features photos of credit cards, debit cards and gift cards emblazoned with or surrounded by “BW” branding. The site is listed in the name of Sagar Kotak at an address in Palmetto Bay. The name Sagar Kotak also appears in Florida filings for the defunct church. Those filings list an address in India for Kotak and include a curious geographic detail: “near Bytco Hosp.”

Binary’s Florida filings list Sagar Kotak at an address in South Carolina.

Multiple links at BinaryWallet.com generate “404 Not Found” errors.

These things may take on increasing importance, because reports surfaced yesterday that suggest Binary Wallet somehow now is involved in payment processing for “Achieve Community,” a Ponzi-board “program” currently under investigation by the Colorado Division of Securities.

It appears that these reports first surfaced on a Facebook site known as “the Sheepdog,” which produced a screen shot showing the BinaryWallet domain loading a page that included graphics from a payment processor known as AeraPay.

Achieve Community has attracted many members of the faith community. Since at least early November — when reports first surfaced that Achieve had lost its ability to do business through Payoneer — the “program” appears to have been playing a game of payment-processor roulette. This has been a signature of other HYIP fraud schemes, including Zeek Rewards and TelexFree.

Those two Ponzi-board “programs” alone appear to have gathered a combined sum on the order of $2.7 billion — yes, BILLION. Achieve purports to turn $50 into $400 repeatedly through a process of rollovers.

People of faith also were targeted in the Zeek and TelexFree scams. Multiple payment vendors have been subpoenaed or sued.

At least one Zeek vendor that is the target of litigation from the court-appointed receiver in the Zeek case has claimed it was rendered insolvent through its relationship with Zeek.

The FBI has been warning since at least 2010 that certain types of debit cards can be used to launder money and to put undeserved wealth in the hands of criminals who may be using shell corporations.

What’s going on at Achieve right now isn’t clear. What can be said, at a minimum, is that individuals associated with a defunct Florida church appear also to be involved in a payment-processing business.

“GlimDropper,” a RealScam.com moderator posting at BehindMLM.com, observes that “Jim Lovern” has a LinkedIn page that asserts he is an “[Executive Vice President] in Binary Wallet.”

The LinkedIn page shows someone posing with Mitt Romney, formerly a candidate for President of the United States.

Lovern, according to the profile, also is associated with entities known as “Upside Client Solutions,” “World Charity Trust” and “Biznetonweb.”

Achieve Community purportedly is operated by Kristi Johnson of Colorado and Troy Barnes of Michigan.

DOCS:

Florida articles of incorporation for “The Universal Church of Charitable Life Inc.”

Florida reinstatement for Binary Wallet LLC.

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5 Responses to “‘ACHIEVE COMMUNITY’: Stranger And Stranger, Murkier and Murkier”

  1. As we noted here, lettering in Korean strangely began to appear on the ReadyToAchieve website on or about Feb. 5:

    http://patrickpretty.com/2015/02/04/achieve-community-websites-inaccessible/comment-page-1/#comment-151331

    This lettering continues to appear, and it also appears on TheAchieveCommunity.com.

    PP Blog reader “littleroundman” of RealScam.com pointed out in the same thread linked to above that the Achieve sites had IPs in Iceland.

    Why a U.S.-based company has Iceland IPs is unclear.

    After Payoneer, Achieve asserted a processing relationship with IPayDNA, which is in Asia. It then asserted a relationship with Global Cash Card, which is in the United States.

    Achieve does appear to have processed some transactions through IPayDNA, but the extent is unclear. Achieve itself announced that Global Cash Card “is not going to work with us after all.” This occurred on or about Jan. 4.

    http://patrickpretty.com/2014/12/12/federal-prosecutors-have-no-immediate-comment-on-achieve-community-call-in-which-senior-citizen-with-86-year-old-ailing-husband-was-told-you-are-exactly-the-type-of-person-that-the-achieve-comm/comment-page-1/#comment-148421

    The purported search for another processor then got under way, followed by the appearance of words in Korean on the Achieve site and, now, suggestions of involvement by Binary Wallet in the United States and possibly AeraPay in Hong Kong and the United Kingdom.

    So, there are lots of moving parts, including some noted in the story above.

    Patrick

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  2. Quick notes: With respect to “the Sheepdog” report that AeraPay graphics somehow were showing up at a BinaryWallet URL . . .

    Well, it reminded me of a circumstance in 2009 in which graphics from the AdViewGlobal scheme showed up in a webroom controlled by the AdSurfDaily Ponzi scheme.

    “Operational coincidence,” AdViewGlobal memorably (and bizarrely) claimed.

    http://patrickpretty.com/2009/02/03/adviewglobal-says-web-reporter-got-it-all-wrong-denies-link-to-adsurfdaily-chides-thejoyluckclub/

    The Feds later tied AdViewGlobal to ASD.

    AdViewGlobal was circuitous — to say the least. It purported to be operating from Uruguay, used servers that resolved to Panama and had a horde of former ASD affiliates in its stable.

    The “program,” which mysteriously disappeared right around the same time Bernard Madoff was sentenced to federal prison (and also around the time its name surfaced in a RICO lawsuit), appears to have had bank accounts in Switzerland.

    Patrick

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  3. Quick note: Lovern’s name also appears in this document from the U.S. Postal Inspection Service titled “FY 2007 Annual Report of Investigations of the United States Postal Inspection Service”:

    https://postalinspectors.uspis.gov/radDocs/pubs/AR2007.html

    The reference:

    _________________________________________________________

    A Cease and Desist Order was issued in June 2007 against James Lovern, doing business as Consumer Grants USA, Inc., Freedom Grant Information Guide, and Government Grants Information Guide of St. Petersburg, FL. Postal Inspectors found that Lovern had placed calls to U.S. citizens from his telemarketing center offering guaranteed government grants for educational purposes. People were told they were already approved to receive the grants but must pay a processing fee of up to $299 and complete a mailed application, for which they also had to pay a fee. Many respondents paid the fee by bank draft over the phone, but Lovern also requested them to mail the fee in the form of a postal money order to a Post Office box in St. Petersburg. Victims received a document entitled “Government Grants, Government Grant Consumer Package,” with public information about how to apply for government grants and who may or may not be eligible for them, but no one actually received a grant.

    _________________________________________________________

    Patrick

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  4. Ha, so Patrick i have emailed you plenty of times with the facts and you refuse to post since you were wrong. I am gonna make sure you are forced to remove it now.
    Thanks-
    THE Jim Lovern

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  5. james Lovern: I am gonna make sure you are forced to remove it now.

    I am removing nothing. You’re welcome to post your “facts” in this thread.

    Patrick

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