Charles Fraud is dedicated to spreading the word regarding my personal experience, but that is just the starting point.  Another goal is to help others--immediately, to find fraud in their own account records.  If we can prove these errors are widespread in retail investors' accounts, as I suspect they are, this would pave the way for some meaningful action far beyond that which I or any single individual could achieve alone. 

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From Charles Fraud's perspective, the problem transcends beyond any single corporation or industry.  When powerful entities evade accountability for known wrongdoing, trust in critical institutions erodes.  Evidently, we've already started traversing down this wayward course, but awareness can set the course for meaningful change.​ 

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Charles Fraud aspires to be a leading forum for exposing schemes and abuses of all sorts. 

Evidence supported and logic driven, by no means will I allow this site to become a breeding ground for unsubstantiated conspiracy theories.  However, when conclusions are based on facts and evidence, then they should be given fair consideration, too.  I aim to deliver a higher level of discourse than the "Idiocracy" that seems to dominate virtually every medium.   

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Technology promises boundless progress, yet its intricate frameworks are ripe for abuse.  Innovation and exploitation are related.  There is great potential, but also great risk.  It's a package deal, same as mastery of nuclear energy, and before that, of fire.  Here, it applies to data management, application development, and computing, generally.  Irresponsible utilization risks destruction at scales previously unimaginable.  It's time to wake up and take notice, especially regarding the abuses here, that--several years ago--should have been acknowledged, and action taken--so to potently deter future misconduct. 
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Charles Fraud is here.

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WHAT HAPPENED? ​

For years, Schwab insisted my allegations of fraud were baseless.  

 Now, it has been revealed: they secretly blamed me.

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"Behind closed doors... they added me to fraud hotlists reserved for money launderers and terrorist financiers"

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     Charles Schwab & Co., Inc. added me to fraud "Hotlists"---secretly--while arguing in court (and ever since then) that no fraud or erroneous accounting occurred in my Schwab brokerage account.  But my account was defrauded by a sophisticated scheme, perpetrated by an enterprise with insider access to Schwab and TD Ameritrade's systems.  When I notified Schwab that funds were missing (and of other errors and anomalies concerning my account and their mobile app), they denied all wrongdoing and refused to acknowledge any irregularities.  Behind closed doors, however, they added me to fraud hotlists reserved for money launderers and terrorist financiers: They were well aware that fraud occurred, and they blamed me to avoid responsibility.

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Money Laundering Through my "Closed" Account

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     Schwab also suppressed evidence of money laundering through my "closed" account--months after my access was shut off.  Previously, I'd claimed that (1) unauthorized transactions occurred that (2) involved funds that were unaccounted for (i.e., made to "disappear"), and which (3) were laundered through the Futures account.​  These allegations, though strongly supported by evidence, relied on analyses of myriad discrepancies amongst the various records.  And even then, it could only be inferred that the Futures Account was being utilized as a pass-through to facilitate the theft of funds (that had been concealed by the erroneous accounting).  But now, money laundering is directly evidenced by a single document showing offsetting cash transfers in my "closed" Schwab Futures account.    

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     The perpetrators of this scheme sought to escape accountability altogether... and so far, they've succeeded.  Rather than acknowledging their own shortcomings and taking corrective actions, Schwab aggressively denied all wrongdoing.  They strategically attacked my credibility and reputation rather than contesting the merits of the alleged errors.  Whether negligently or maliciously, they aligned themselves with the illicit enterprise that abused their systems to target my account (and likely other clients' accounts, too).     

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"like a never-ending episode of Black Mirror or the Twilight Zone...  

Only this is real"

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      Schwab still denies that any evidence exists indicative of fraudulent activity, or otherwise that any errors exist in the account records.  Their disparaging characterizations of my allegations and of me, personally, have been rubberstamped and validated as the truth by the authorities.  The consequences of this injustice encroach on nearly every corner of my life—like a never-ending episode of Black Mirror or The Twilight Zone... Only this is real.  My reputation and credibility have been ruined, but this story is not over.  ​

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     ​I wanted to move on with my life and focus my efforts on other endeavors, but I have no such liberty.  I was committed to resolving this ordeal at FINRA arbitration, but the evidence described above was stricken from the record at Schwab's behest.  They made certain I would never have a fair opportunity to have my claims vindicated, regardless of the venue.  ​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​