http://www.ftc.gov/opa/2005/09/universal.htm Fraudulent unauthorized debiting of consumer checking accounts, on a massive scale. "... The payment processor made the unauthorized debits on behalf of a business known as Pharmacycards. In May 2004, the FTC charged ââ?¬Å?Pharmacycards.comââ?¬Â with electronically debiting thousands of consumersââ?¬â?¢ accounts for $139, without consumersââ?¬â?¢ knowledge or consent. According to the FTC, Pharmacycards attempted to debit more than $10 million from consumersââ?¬â?¢ checking accounts in less than three months. The FTC alleges that the Pharmacycards defendants gained access to the banking system via third-party payment processors by claiming that they were engaged in a legitimate business ââ?¬â?? selling pharmacy discount cards. According to the 2004 complaint, the Pharmacycards defendants provided consumersââ?¬â?¢ checking account numbers to third-party payment processors, including the defendants in this case, Universal Processing Inc., and its principal, Rey Pasinli. In the complaint naming Pasinli and Universal, the FTC alleges they arranged for consumersââ?¬â?¢ accounts to be debited without meeting with the Pharmacycards operators or requiring that they complete their standard payment processing application. According to the complaint, ââ?¬Å?They agreed to use their entree to the banking system to debit consumer checking accounts on behalf of two individuals they had never met, purportedly from England, purportedly with a corporation chartered in Cyprus, who were using a Montreal customer service center, free, untraceable e-mail accounts, an unsecure website hosted in India, a Vancouver, British Columbia, mailing address, and who directed that the proceeds be sent to a bank in Cyprus.ââ?¬Â ..." "The defendants also will give up all of their ill-gotten gains ââ?¬â?? $9,476. "
