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In Re: Telexfree Securities Litigation 14-MD-02566-Second

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In Re: Telexfree Securities Litigation 14-MD-02566-Second Case 4:14-md-02566-TSH Document 141 Filed 04/30/15 Page 1 of 200 UNITED STATES DISTRICT COURT DISTRICT OF MASSACHUSETTS IN RE: TELEXFREE SECURITIES LITIGATION This Document Relates To: MDL No. 4:14-md-2566-TSH All Cases CELIO DA SILVA, RITA DOS SANTOS, PUTATIVE CLASS REPRESENTATIVES AND THOSE SIMILARLY SITUATED, Plaintiffs, v. TELEXELECTRIC, LLLP; TELEX MOBILE, HOLDINGS, INC.; JAMES M. MERRILL; CARLOS N. WANZELER; STEVEN M. LABRIOLA; JOSEPH H. CRAFT, a/k/a JOE H. CRAFT; CRAFT FINANCIAL SOLUTIONS, LLC; CLASS ACTION ANN GENET; CARLOS COSTA; KATIA WANZELER; SANDERLEY RODRIGUES DE VASCONCELOS; SANTIAGO DE LA ROSA; RANDY N. CROSBY; FAITH R. SLOAN; DANIIL SECOND CONSOLIDATED SHOYFER; SCOTT MILLER; GERALD P. AMENDED COMPLAINT NEHRA, individually and doing business as LAW OFFICES OF NEHRA AND WAAK; GERALD P. NEHRA ATTORNEY AT LAW, PLLC; RICHARD W. WAAK, individually and doing business as DEMAND FOR TRIAL BY LAW OFFICES OF NERHA AND WAAK; JURY RICHARD W. WAAK, ATTORNEY AT LAW, PLLC; OPT3 SOLUTIONS, INC.; JASON A. BORROMEI; PRICEWATERHOUSECOOPERS, LLP; BANK OF AMERICA, NA; TD BANK, NA; RSB CITIZENS, N.A.; FIDELITY CO- OPERATIVE BANK, doing business as FIDELITY BANK; JOHN F. MERRILL; WELLS FARGO BANK, N.A.; SYNOVUS BANK; GLOBAL PAYROLL GATEWAY INC.; INTERNATIONAL PAYOUT SYSTEMS, INC.; PROPAY, INC., doing business as PROPAY.COM; BASE COMMERCE, LLC, doing business as PHOENIX PAYMENTS; JOHN HUGHES; VANTAGE PAYMENTS, LLC; DUSTIN SPARMAN; ALLIED WALLET, LTD; DOE TOP LEVEL PROMOTERS; DOE LICENSED PROFESSIONALS; DOE BANKS; DOE PAYMENT PROCESSING SERVICES AND PARALEGAL DOE, Defendants. Case 4:14-md-02566-TSH Document 141 Filed 04/30/15 Page 2 of 200 TABLE OF CONTENTS TABLE OF CONTENTS .............................................................................................................. i I. JURISDICTION AND VENUE .......................................................................................... 10 II. THE PARTIES ..................................................................................................................... 11 A. PLAINTIFFS………………………………………………………………….11 B. DEFENDANTS…………………………………….………………………….11 1. TELEXFREE DEFENDANTS .................................................................. 11 a. Third-Party TelexFree Bankrupt Entities .......................................... 11 b. Electric and Mobile ............................................................................... 13 2. OTHER OPERATIONAL DEFENDANTS ............................................. 13 a. Founders and Principals, Executive Office, Top Level Promoters and Associated Individuals ............................................... 13 b. Licensed Professionals including Attorneys and Other Professional Services Providers ................................................................................. 15 c. The Accountant Defendants ................................................................. 17 3. FINANCIAL SERVICES PROVIDERS .................................................. 18 a. The Bank Defendants ........................................................................... 18 b. Payment Processing Service Companies ............................................. 20 III. FACTS AND ALLEGATIONS…………………………………………………………..21 A. Chronological Overview…………………………………………..…………………..21 B. TelexFree’s History, Formation and its Brazilian Links…….…………….……….31 C. Ympactus, TelexFree’s Brazilian-Based Operations………….……………………32 D. The Bankrupt TelexFree Companies…………………….………………………….35 E. TelexFree, Inc…………………………………………………………………………35 F. TelexFree, LLC…………………………………………………………….…………36 G. TelexFree Financial, Inc………………………………………………….…………..37 i Case 4:14-md-02566-TSH Document 141 Filed 04/30/15 Page 3 of 200 H. Relationship of the Bankrupt TelexFree Companies………………………….……37 I. Defendants Electric and Mobile………………………………………………….…..38 J. TelexFree’s Founders and Principals, Executive Officers and Top Level Promoters…………………………………………………………………….…39 K. TelexFree’s Unlawful, Unfair and Deceptive Pyramid Scheme……………………46 L. Gallery of Rogues Assembled………………………………………………….……..62 1. The Seasoned Scam Artists………………………………………………….62 2. The Professional Legitimizers’ Roles……………………………………….66 M. TelexFree’s Fraudulent and Deceptive Use of Best Western Hotel……....………..72 N. Investigation of, and Injunctions against, Telexfree’s Brazilian Operations in Brazil………………………………………………………….………..73 O. TelexFree’s Continued United States’ Operations………………………….……….75 P. Collapse of TelexFree’s United States Operations ………………………….……….76 Q. TelexFree’s Belated Efforts to Legitimize Its Scheme………………….…….……..77 R. Events Since TelexFree’s Bankruptcy Filing………………………………..……….79 S. TelexFree’s Principals, Founders and Executive Office Controlled TelexFree, Knowingly Perpetrated the Unlawful, Unfair, and Deceptive Pyramid Scheme, and Made False Representations about TelexFree…………………………………………………………….…….……80 T. TelexFree’s Top Level Promoters Played an Integral, Essential and Primary Role and also Aided and Abetted the Pyramid Scheme…………….…….85 U. TelexFree’s Attorneys Played an Integral Role in and Aided and Abetted the Unlawful, Unfair, and Deceptive Pyramid Scheme…………….….…..86 V. TelexFree’s Accountants and Professional Services Providers Played an Integral Role in and Aided and Abetted the Unlawful, Unfair, and Deceptive Pyramid Scheme…………………………………….…..…....95 W. The Financial Services Providers Were Required to Comply With Various Statutory and Regulatory Investigation and Monitoring Obligations…………....100 X. TelexFree’s Suspicious, Tortious and Unlawful Operation Displayed Red Flags Detectable by the Defendant Financial Service Providers………….…117 Y. The Bank Defendants……………………………………………………………......124 1. Defendant Bank of America .................................................................... 128 2. Defendant TD Bank ................................................................................. 133 ii Case 4:14-md-02566-TSH Document 141 Filed 04/30/15 Page 4 of 200 3. Fidelity Bank ............................................................................................ 140 4. Synovus ..................................................................................................... 144 Z. Defendant Payment Processing Service Companies……………………………….146 1. Propay ....................................................................................................... 148 2. GPG ........................................................................................................... 151 3. Base Commerce ........................................................................................ 153 4. Vantage Payments .................................................................................... 159 5. Allied Wallet ............................................................................................. 164 6. IPS ............................................................................................................. 166 IV. CLASS ACTION ALLEGATIONS .................................................................................. 170 V. CLAIMS FOR RELIEF ..................................................................................................... 173 FIRST CLAIM FOR RELIEF VIOLATIONS OF MASSACHUSETTS GENERAL LAWS, CHAPTER 93, SECTIONS 12 and 69 (Against All Operational Defendants)……………………………………………………..173 SECOND CLAIM FOR RELIEF VIOLATIONS OF MASSACHUSETTS GENERAL LAWS, CHAPTER 93A, SECTIONS 2 AND 11 (Against All Operational Defendants)……………………………….…………………….174 THIRD CLAIM FOR RELIEF AIDING AND ABETTING VIOLATIONS OF MASSACHUSETTS GENERAL LAWS, CHAPTER 93, SECTIONS 12 and 69, AND MASSACHUSETTS GENERAL LAWS, CHAPTER 93A, SECTIONS 2(a) or 11 (Against TelexFree And All Defendants)………………………………………….………175 FOURTH CLAIM FOR RELIEF UNJUST ENRICHMENT (Against All Defendants)………………………………………………………….………..180 FIFTH CLAIM FOR RELIEF CIVIL CONSPIRACY (Against TelexFree, All Operational Defendants, John Merrill, John Hughes, Dustin Sparman, Fidelity Bank, Base Commerce, GPG, and IPS)……………………………………………………………………………….………….181 iii Case 4:14-md-02566-TSH Document 141 Filed 04/30/15 Page 5 of 200 SIXTH CLAIM FOR RELIEF PROFESSIONAL NEGLIGENCE (Against All Licensed Professional Defendants)…………………..……..…….…………..182 SEVENTH CLAIM FOR RELIEF NEGLIGENT MISREPRESENTATION (Against Operational Defendants Except Katia Wanzeler)…………………………...…..183 EIGHTH CLAIM FOR RELIEF VIOLATIONS OF MASSACHUSETTS GENERAL LAWS, CHAPTER 110a, SECTION 410(b) (Against All Operational Defendants except for PricewaterhouseCoopers)…………………………………………………………………...184 NINTH CLAIM FOR RELIEF FRAUD (Against Operational Defendants)………………………………………………………….186 TENTH CLAIM FOR RELIEF TORTIOUS AIDING AND ABETTING (Against All Defendants)…………………………………………………………………….189 VI. PRAYER FOR RELIEF .................................................................................................... 190 VII. DEMAND FOR JURY TRIAL .................................................................................... 191 iv Case 4:14-md-02566-TSH Document 141 Filed 04/30/15 Page 6 of 200 Plaintiffs and Putative Class Representatives Celio Da Silva and Rita Dos Santos on behalf of themselves and all others similarly situated (“Plaintiffs”) bring this action against the defendants named herein (“Defendants”). This complaint is based on information and belief, except those paragraphs that relate to Plaintiffs, which are based on personal knowledge. Plaintiffs allege as follows: 1. TelexFree, Inc., TelexFree, LLC, and TelexFree Financial, Inc. (collectively,
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