How Cryptocurrency Turns to Cash in Russian Banks

December 11, 2024
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A financial firm registered in Canada has emerged as the payment processor for dozens of Russian cryptocurrency exchanges and websites hawking cybercrime services aimed at Russian-speaking customers, new research finds. Meanwhile, an investigation into the Vancouver street address used by this company shows it is home to dozens of foreign currency dealers, money transfer businesses, and cryptocurrency exchanges — none of which are physically located there.

Richard Sanders is a blockchain analyst and investigator who advises the law enforcement and intelligence community. Sanders spent most of 2023 in Ukraine, traveling with Ukrainian soldiers while mapping the shifting landscape of Russian crypto exchanges that are laundering money for narcotics networks operating in the region.

More recently, Sanders has focused on identifying how dozens of popular cybercrime services are getting paid by their customers, and how they are converting cryptocurrency revenues into cash. For the past several months, he’s been signing up for various cybercrime services, and then tracking where their customer funds go from there.

The 122 services targeted in Sanders’ research include some of the more prominent businesses advertising on the cybercrime forums today, such as:

-abuse-friendly or “bulletproof” hosting providers like anonvm[.]wtf, and PQHosting;
-sites selling aged email, financial, or social media accounts, such as verif[.]work and kopeechka[.]store;
-anonymity or “proxy” providers like crazyrdp[.]com and rdp[.]monster;
-anonymous SMS services, including anonsim[.]net and smsboss[.]pro.

The site Verif dot work, which processes payments through Cryptomus, sells financial accounts, including debit and credit cards.

Sanders said he first encountered some of these services while investigating Kremlin-funded disinformation efforts in Ukraine, as they are all useful in assembling large-scale, anonymous social media campaigns.

According to Sanders, all 122 of the services he tested are processing transactions through a company called Cryptomus, which says it is a cryptocurrency payments platform based in Vancouver, British Columbia. Cryptomus’ website says its parent firm — Xeltox Enterprises Ltd. (formerly certa-pay[.]com) — is registered as a money service business (MSB) with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC).

Sanders said the payment data he gathered also shows that at least 56 cryptocurrency exchanges are currently using Cryptomus to process transactions, including financial entities with names like casher[.]su, grumbot[.]com, flymoney[.]biz, obama[.]ru and swop[.]is.

These platforms are built for Russian speakers, and they each advertise the ability to anonymously swap one form of cryptocurrency for another. They also allow the exchange of cryptocurrency for cash in accounts at some of Russia’s largest banks — nearly all of which are currently sanctioned by the United States and other western nations.

A machine-translated version of Flymoney, one of dozens of cryptocurrency exchanges apparently nested at Cryptomus.

An analysis of their technology infrastructure shows that all of these exchanges use Russian email providers, and most are directly hosted in Russia or by Russia-backed ISPs with infrastructure in Europe (e.g. Selectel, Netwarm UK, Beget, Timeweb and DDoS-Guard). The analysis also showed nearly all 56 exchanges used services from Cloudflare, a global content delivery network based in San Francisco.

“Purportedly, the purpose of these platforms is for companies to accept cryptocurrency payments in exchange for goods or services,” Sanders told KrebsOnSecurity. “Unfortunately, it is next to impossible to find any goods for sale with websites using Cryptomus, and the services appear to fall into one or two different categories: Facilitating transactions with sanctioned Russian banks, and platforms providing the infrastructure and means for cyber attacks.”

Cryptomus did not respond to multiple requests for comment.

PHANTOM ADDRESSES?

The Cryptomus website and its FINTRAC listing say the company’s registered address is Suite 170, 422 Richards St. in Vancouver, BC. This address was the subject of an investigation published in July by CTV National News and the Investigative Journalism Foundation (IJF), which documented dozens of cases across Canada where multiple MSBs are incorporated at the same address, often without the knowledge or consent of the location’s actual occupant.

This building at 422 Richards St. in downtown Vancouver is the registered address for 90 money services businesses, including 10 that have had their registrations revoked. Image: theijf.org/msb-cluster-investigation.

Their inquiry found 422 Richards St. was listed as the registered address for at least 76 foreign currency dealers, eight MSBs, and six cryptocurrency exchanges. At that address is a three-story building that used to be a bank and now houses a massage therapy clinic and a co-working space. But they found none of the MSBs or currency dealers were paying for services at that co-working space.

The reporters found another collection of 97 MSBs clustered at an address for a commercial office suite in Ontario, even though there was no evidence these companies had ever arranged for any business services at that address.

Peter German, a former deputy commissioner for the Royal Canadian Mounted Police who authored two reports on money laundering in British Columbia, told the publications it goes against the spirit of Canada’s registration requirements for such businesses, which are considered high-risk for money laundering and terrorist financing.

“If you’re able to have 70 in one building, that’s just an abuse of the whole system,” German said.

Ten MSBs registered to 422 Richard St. had their registrations revoked. One company at 422 Richards St. whose registration was revoked this year had a director with a listed address in Russia, the publications reported. “Others appear to be directed by people who are also directors of companies in Cyprus and other high-risk jurisdictions for money laundering,” they wrote.

A review of FINTRAC’s registry (.CSV) shows many of the MSBs at 422 Richards St. are international money transfer or remittance services to countries like Malaysia, India and Nigeria. Some act as currency exchanges, while others appear to sell merchant accounts and online payment services. Still, KrebsOnSecurity could find no obvious connections between the 56 Russian cryptocurrency exchanges identified by Sanders and the dozens of payment companies that FINTRAC says share an address with the Cryptomus parent firm Xeltox Enterprises. Continue reading →

Patch Tuesday, December 2024 Edition

December 10, 2024
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Microsoft today released updates to plug at least 70 security holes in Windows and Windows software, including one vulnerability that is already being exploited in active attacks.

The zero-day seeing exploitation involves CVE-2024-49138, a security weakness in the Windows Common Log File System (CLFS) driver — used by applications to write transaction logs — that could let an authenticated attacker gain “system” level privileges on a vulnerable Windows device.

The security firm Rapid7 notes there have been a series of zero-day elevation of privilege flaws in CLFS over the past few years.

“Ransomware authors who have abused previous CLFS vulnerabilities will be only too pleased to get their hands on a fresh one,” wrote Adam Barnett, lead software engineer at Rapid7. “Expect more CLFS zero-day vulnerabilities to emerge in the future, at least until Microsoft performs a full replacement of the aging CLFS codebase instead of offering spot fixes for specific flaws.”

Elevation of privilege vulnerabilities accounted for 29% of the 1,009 security bugs Microsoft has patched so far in 2024, according to a year-end tally by Tenable; nearly 40 percent of those bugs were weaknesses that could let attackers run malicious code on the vulnerable device. Continue reading →

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U.S. Offered $10M for Hacker Just Arrested by Russia

December 4, 2024
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In January 2022, KrebsOnSecurity identified a Russian man named Mikhail Matveev as “Wazawaka,” a cybercriminal who was deeply involved in the formation and operation of multiple ransomware groups. The U.S. government indicted Matveev as a top ransomware purveyor a year later, offering $10 million for information leading to his arrest. Last week, the Russian government reportedly arrested Matveev and charged him with creating malware used to extort companies.

An FBI wanted poster for Matveev.

Matveev, a.k.a. “Wazawaka” and “Boriselcin” worked with at least three different ransomware gangs that extorted hundreds of millions of dollars from companies, schools, hospitals and government agencies, U.S. prosecutors allege.

Russia’s interior ministry last week issued a statement saying a 32-year-old hacker had been charged with violating domestic laws against the creation and use of malicious software. The announcement didn’t name the accused, but the Russian state news agency RIA Novosti cited anonymous sources saying the man detained is Matveev.

Matveev did not respond to requests for comment. Daryna Antoniuk at TheRecord reports that a security researcher said on Sunday they had contacted Wazawaka, who confirmed being charged and said he’d paid two fines, had his cryptocurrency confiscated, and is currently out on bail pending trial.

Matveev’s hacker identities were remarkably open and talkative on numerous cybercrime forums. Shortly after being identified as Wazawaka by KrebsOnSecurity in 2022, Matveev published multiple selfie videos on Twitter/X where he acknowledged using the Wazawaka moniker and mentioned several security researchers by name (including this author). More recently, Matveev’s X profile (@ransomboris) posted a picture of a t-shirt that features the U.S. government’s “Wanted” poster for him.

An image tweeted by Matveev showing the Justice Department’s wanted poster for him on a t-shirt. image: x.com/vxunderground

The golden rule of cybercrime in Russia has always been that as long as you never hack, extort or steal from Russian citizens or companies, you have little to fear of arrest. Wazawaka claimed he zealously adhered to this rule as a personal and professional mantra.

“Don’t shit where you live, travel local, and don’t go abroad,” Wazawaka wrote in January 2021 on the Russian-language cybercrime forum Exploit. “Mother Russia will help you. Love your country, and you will always get away with everything.” Continue reading →

Hacker in Snowflake Extortions May Be a U.S. Soldier

November 26, 2024
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Two men have been arrested for allegedly stealing data from and extorting dozens of companies that used the cloud data storage company Snowflake, but a third suspect — a prolific hacker known as Kiberphant0m — remains at large and continues to publicly extort victims. However, this person’s identity may not remain a secret for long: A careful review of Kiberphant0m’s daily chats across multiple cybercrime personas suggests they are a U.S. Army soldier who is or was recently stationed in South Korea.

Kiberphant0m’s identities on cybercrime forums and on Telegram and Discord chat channels have been selling data stolen from customers of the cloud data storage company Snowflake. At the end of 2023, malicious hackers discovered that many companies had uploaded huge volumes of sensitive customer data to Snowflake accounts that were protected with nothing more than a username and password (no multi-factor authentication required).

After scouring darknet markets for stolen Snowflake account credentials, the hackers began raiding the data storage repositories for some of the world’s largest corporations. Among those was AT&T, which disclosed in July that cybercriminals had stolen personal information, phone and text message records for roughly 110 million people.  Wired.com reported in July that AT&T paid a hacker $370,000 to delete stolen phone records.

On October 30, Canadian authorities arrested Alexander Moucka, a.k.a. Connor Riley Moucka of Kitchener, Ontario, on a provisional arrest warrant from the United States, which has since indicted him on 20 criminal counts connected to the Snowflake breaches. Another suspect in the Snowflake hacks, John Erin Binns, is an American who is currently incarcerated in Turkey.

A surveillance photo of Connor Riley Moucka, a.k.a. “Judische” and “Waifu,” dated Oct 21, 2024, 9 days before Moucka’s arrest. This image was included in an affidavit filed by an investigator with the Royal Canadian Mounted Police (RCMP).

Investigators say Moucka, who went by the handles Judische and Waifu, had tasked Kiberphant0m with selling data stolen from Snowflake customers who refused to pay a ransom to have their information deleted. Immediately after news broke of Moucka’s arrest, Kiberphant0m was clearly furious, and posted on the hacker community BreachForums what they claimed were the AT&T call logs for President-elect Donald J. Trump and for Vice President Kamala Harris.

“In the event you do not reach out to us @ATNT all presidential government call logs will be leaked,” Kiberphant0m threatened, signing their post with multiple “#FREEWAIFU” tags. “You don’t think we don’t have plans in the event of an arrest? Think again.”

On the same day, Kiberphant0m posted what they claimed was the “data schema” from the U.S. National Security Agency.

“This was obtained from the ATNT Snowflake hack which is why ATNT paid an extortion,” Kiberphant0m wrote in a thread on BreachForums. “Why would ATNT pay Waifu for the data when they wouldn’t even pay an extortion for over 20M+ SSNs?”

Kiberphant0m posting what he claimed was a “data schema” stolen from the NSA via AT&T.

Also on Nov. 5, Kiberphant0m offered call logs stolen from Verizon’s push-to-talk (PTT) customers — mainly U.S. government agencies and emergency first responders. On Nov. 9, Kiberphant0m posted a sales thread on BreachForums offering a “SIM-swapping” service targeting Verizon PTT customers. In a SIM-swap, fraudsters use credentials that are phished or stolen from mobile phone company employees to divert a target’s phone calls and text messages to a device they control.

MEET ‘BUTTHOLIO’

Kiberphant0m joined BreachForums in January 2024, but their public utterances on Discord and Telegram channels date back to at least early 2022. On their first post to BreachForums, Kiberphant0m said they could be reached at the Telegram handle @cyb3rph4nt0m.

A review of @cyb3rph4nt0m shows this user has posted more than 4,200 messages since January 2024. Many of these messages were attempts to recruit people who could be hired to deploy a piece of malware that enslaved host machines in an Internet of Things (IoT) botnet.

On BreachForums, Kiberphant0m has sold the source code to “Shi-Bot,” a custom Linux DDoS botnet based on the Mirai malware. Kiberphant0m had few sales threads on BreachForums prior to the Snowflake attacks becoming public in May, and many of those involved databases stolen from companies in South Korea.

On June 5, 2024, a Telegram user by the name “Buttholio” joined the fraud-focused Telegram channel “Comgirl” and claimed to be Kiberphant0m. Buttholio made the claim after being taunted as a nobody by another denizen of Comgirl, referring to their @cyb3rph4nt0m account on Telegram and the Kiberphant0m user on cybercrime forums.

“Type ‘kiberphant0m’ on google with the quotes,” Buttholio told another user. “I’ll wait. Go ahead. Over 50 articles. 15+ telecoms breached. I got the IMSI number to every single person that’s ever registered in Verizon, Tmobile, ATNT and Verifone.”

On Sept. 17, 2023, Buttholio posted in a Discord chat room dedicated to players of the video game Escape from Tarkov. “Come to Korea, servers there is pretty much no extract camper or cheater,” Buttholio advised.

In another message that same day in the gaming Discord, Buttholio told others they bought the game in the United States, but that they were playing it in Asia.

“USA is where the game was purchased from, server location is actual in game servers u play on. I am a u.s. soldier so i bought it in the states but got on rotation so i have to use asian servers,” they shared. Continue reading →

Feds Charge Five Men in ‘Scattered Spider’ Roundup

November 21, 2024
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Federal prosecutors in Los Angeles this week unsealed criminal charges against five men alleged to be members of a hacking group responsible for dozens of cyber intrusions at major U.S. technology companies between 2021 and 2023, including LastPass, MailChimp, Okta, T-Mobile and Twilio.

A visual depiction of the attacks by the SMS phishing group known as Scattered Spider, and Oktapus. Image: Amitai Cohen twitter.com/amitaico.

The five men, aged 20 to 25, are allegedly members of a hacking conspiracy dubbed “Scattered Spider” and “Oktapus,” which specialized in SMS-based phishing attacks that tricked employees at tech firms into entering their credentials and one-time passcodes at phishing websites.

The targeted SMS scams asked employees to click a link and log in at a website that mimicked their employer’s Okta authentication page. Some SMS phishing messages told employees their VPN credentials were expiring and needed to be changed; other phishing messages advised employees about changes to their upcoming work schedule.

These attacks leveraged newly-registered domains that often included the name of the targeted company, such as twilio-help[.]com and ouryahoo-okta[.]com. The phishing websites were normally kept online for just one or two hours at a time, meaning they were often yanked offline before they could be flagged by anti-phishing and security services.

The phishing kits used for these campaigns featured a hidden Telegram instant message bot that forwarded any submitted credentials in real-time. The bot allowed the attackers to use the phished username, password and one-time code to log in as that employee at the real employer website.

In August 2022, multiple security firms gained access to the server that was receiving data from that Telegram bot, which on several occasions leaked the Telegram ID and handle of its developer, who used the nickname “Joeleoli.”

The Telegram username “Joeleoli” can be seen sandwiched between data submitted by people who knew it was a phish, and data phished from actual victims. Click to enlarge.

That Joeleoli moniker registered on the cybercrime forum OGusers in 2018 with the email address joelebruh@gmail.com, which also was used to register accounts at several websites for a Joel Evans from North Carolina. Indeed, prosecutors say Joeleoli’s real name is Joel Martin Evans, and he is a 25-year-old from Jacksonville, North Carolina. Continue reading →

Fintech Giant Finastra Investigating Data Breach

November 19, 2024
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The financial technology firm Finastra is investigating the alleged large-scale theft of information from its internal file transfer platform, KrebsOnSecurity has learned. Finastra, which provides software and services to 45 of the world’s top 50 banks, notified customers of the security incident after a cybercriminal began selling more than 400 gigabytes of data purportedly stolen from the company.

London-based Finastra has offices in 42 countries and reported $1.9 billion in revenues last year. The company employs more than 7,000 people and serves approximately 8,100 financial institutions around the world. A major part of Finastra’s day-to-day business involves processing huge volumes of digital files containing instructions for wire and bank transfers on behalf of its clients.

On November 8, 2024, Finastra notified financial institution customers that on Nov. 7 its security team detected suspicious activity on Finastra’s internally hosted file transfer platform. Finastra also told customers that someone had begun selling large volumes of files allegedly stolen from its systems.

“On November 8, a threat actor communicated on the dark web claiming to have data exfiltrated from this platform,” reads Finastra’s disclosure, a copy of which was shared by a source at one of the customer firms.

“There is no direct impact on customer operations, our customers’ systems, or Finastra’s ability to serve our customers currently,” the notice continued. “We have implemented an alternative secure file sharing platform to ensure continuity, and investigations are ongoing.”

But its notice to customers does indicate the intruder managed to extract or “exfiltrate” an unspecified volume of customer data.

“The threat actor did not deploy malware or tamper with any customer files within the environment,” the notice reads. “Furthermore, no files other than the exfiltrated files were viewed or accessed. We remain focused on determining the scope and nature of the data contained within the exfiltrated files.” Continue reading →

An Interview With the Target & Home Depot Hacker

November 14, 2024
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In December 2023, KrebsOnSecurity revealed the real-life identity of Rescator, the nickname used by a Russian cybercriminal who sold more than 100 million payment cards stolen from Target and Home Depot between 2013 and 2014. Moscow resident Mikhail Shefel, who confirmed using the Rescator identity in a recent interview, also admitted reaching out because he is broke and seeking publicity for several new money making schemes.

Mikhail “Mike” Shefel’s former Facebook profile. Shefel has since legally changed his last name to Lenin.

Mr. Shefel, who recently changed his legal surname to Lenin, was the star of last year’s story, Ten Years Later, New Clues in the Target Breach. That investigation detailed how the 38-year-old Shefel adopted the nickname Rescator while working as vice president of payments at ChronoPay, a Russian financial company that paid spammers to advertise fake antivirus scams, male enhancement drugs and knockoff pharmaceuticals.

Mr. Shefel did not respond to requests for comment in advance of that December 2023 profile. Nor did he respond to reporting here in January 2024 that he ran an IT company with a 34-year-old Russian man named Aleksandr Ermakov, who was sanctioned by authorities in Australia, the U.K. and U.S. for stealing data on nearly 10 million customers of the Australian health insurance giant Medibank.

But not long after KrebsOnSecurity reported in April that Shefel/Rescator also was behind the theft of Social Security and tax information from a majority of South Carolina residents in 2012, Mr. Shefel began contacting this author with the pretense of setting the record straight on his alleged criminal hacking activities.

In a series of live video chats and text messages, Mr. Shefel confirmed he indeed went by the Rescator identity for several years, and that he did operate a slew of websites between 2013 and 2015 that sold payment card data stolen from Target, Home Depot and a number of other nationwide retail chains.

Shefel claims the true mastermind behind the Target and other retail breaches was Dmitri Golubov, an infamous Ukrainian hacker known as the co-founder of Carderplanet, among the earliest Russian-language cybercrime forums focused on payment card fraud. Mr. Golubov could not be reached for comment, and Shefel says he no longer has the laptop containing evidence to support that claim.

Shefel asserts he and his team were responsible for developing the card-stealing malware that Golubov’s hackers installed on Target and Home Depot payment terminals, and that at the time he was technical director of a long-running Russian cybercrime community called Lampeduza.

“My nickname was MikeMike, and I worked with Dmitri Golubov and made technologies for him,” Shefel said. “I’m also godfather of his second son.”

Dmitri Golubov, circa 2005. Image: U.S. Postal Investigative Service.

A week after breaking the story about the 2013 data breach at Target, KrebsOnSecurity published Who’s Selling Cards from Target?, which identified a Ukrainian man who went by the nickname Helkern as Rescator’s original identity. But Shefel claims Helkern was subordinate to Golubov, and that he was responsible for introducing the two men more than a decade ago.

“Helkern was my friend, I [set up a] meeting with Golubov and him in 2013,” Shefel said. “That was in Odessa, Ukraine. I was often in that city, and [it’s where] I met my second wife.”

Shefel claims he made several hundred thousand dollars selling cards stolen by Golubov’s Ukraine-based hacking crew, but that not long after Russia annexed Crimea in 2014 Golubov cut him out of the business and replaced Shefel’s malware coding team with programmers in Ukraine. Continue reading →

Microsoft Patch Tuesday, November 2024 Edition

November 12, 2024
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Microsoft today released updates to plug at least 89 security holes in its Windows operating systems and other software. November’s patch batch includes fixes for two zero-day vulnerabilities that are already being exploited by attackers, as well as two other flaws that were publicly disclosed prior to today.

The zero-day flaw tracked as CVE-2024-49039 is a bug in the Windows Task Scheduler that allows an attacker to increase their privileges on a Windows machine. Microsoft credits Google’s Threat Analysis Group with reporting the flaw.

The second bug fixed this month that is already seeing in-the-wild exploitation is CVE-2024-43451, a spoofing flaw that could reveal Net-NTLMv2 hashes, which are used for authentication in Windows environments.

Satnam Narang, senior staff research engineer at Tenable, says the danger with stolen NTLM hashes is that they enable so-called “pass-the-hash” attacks, which let an attacker masquerade as a legitimate user without ever having to log in or know the user’s password. Narang notes that CVE-2024-43451 is the third NTLM zero-day so far this year.

“Attackers continue to be adamant about discovering and exploiting zero-day vulnerabilities that can disclose NTLMv2 hashes, as they can be used to authenticate to systems and potentially move laterally within a network to access other systems,” Narang said. Continue reading →

FBI: Spike in Hacked Police Emails, Fake Subpoenas

November 9, 2024
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The Federal Bureau of Investigation (FBI) is urging police departments and governments worldwide to beef up security around their email systems, citing a recent increase in cybercriminal services that use hacked police email accounts to send unauthorized subpoenas and customer data requests to U.S.-based technology companies.

In an alert (PDF) published this week, the FBI said it has seen an uptick in postings on criminal forums regarding the process of emergency data requests (EDRs) and the sale of email credentials stolen from police departments and government agencies.

“Cybercriminals are likely gaining access to compromised US and foreign government email addresses and using them to conduct fraudulent emergency data requests to US based companies, exposing the personal information of customers to further use for criminal purposes,” the FBI warned.

In the United States, when federal, state or local law enforcement agencies wish to obtain information about an account at a technology provider — such as the account’s email address, or what Internet addresses a specific cell phone account has used in the past — they must submit an official court-ordered warrant or subpoena.

Virtually all major technology companies serving large numbers of users online have departments that routinely review and process such requests, which are typically granted (eventually, and at least in part) as long as the proper documents are provided and the request appears to come from an email address connected to an actual police department domain name.

In some cases, a cybercriminal will offer to forge a court-approved subpoena and send that through a hacked police or government email account. But increasingly, thieves are relying on fake EDRs, which allow investigators to attest that people will be bodily harmed or killed unless a request for account data is granted expeditiously.

The trouble is, these EDRs largely bypass any official review and do not require the requester to supply any court-approved documents. Also, it is difficult for a company that receives one of these EDRs to immediately determine whether it is legitimate.

In this scenario, the receiving company finds itself caught between two unsavory outcomes: Failing to immediately comply with an EDR — and potentially having someone’s blood on their hands — or possibly leaking a customer record to the wrong person.

Perhaps unsurprisingly, compliance with such requests tends to be extremely high. For example, in its most recent transparency report (PDF) Verizon said it received more than 127,000 law enforcement demands for customer data in the second half of 2023 — including more than 36,000 EDRs — and that the company provided records in response to approximately 90 percent of requests.

One English-speaking cybercriminal who goes by the nicknames “Pwnstar” and “Pwnipotent” has been selling fake EDR services on both Russian-language and English cybercrime forums. Their prices range from $1,000 to $3,000 per successful request, and they claim to control “gov emails from over 25 countries,” including Argentina, Bangladesh, Brazil, Bolivia, Dominican Republic, Hungary, India, Kenya, Jordan, Lebanon, Laos, Malaysia, Mexico, Morocco, Nigeria, Oman, Pakistan, Panama, Paraguay, Peru, Philippines, Tunisia, Turkey, United Arab Emirates (UAE), and Vietnam.

“I cannot 100% guarantee every order will go through,” Pwnstar explained. “This is social engineering at the highest level and there will be failed attempts at times. Don’t be discouraged. You can use escrow and I give full refund back if EDR doesn’t go through and you don’t receive your information.” Continue reading →