XCOINS.IO LEGIT OR SCAM

[xcoins-io]

I've sused xcoins many times. Its a good site except the support really sucks. They don't really care about the customer. I've never had an issue with them not paying me but if something happens your looking at a few days before anything gets done. Like right now i've been tryign to get a response from the support for 2 days as i broke my phone and can not withdraw my bitcoin with the confirmation they send my phone. But i can't get support to respond.

So for the most part its a good site. However just don't expect when something arises to get anything done in a timely manner.

Dmtripp27,

We at Xcoins are pleased that you like the site and our services.  Sorry you had a bad experience, but our tickets are answered within two days and usually within 24 hours.  

We are always here to help you in any way that you need.

Please PM me with more details and we will sort this out as soon as possible.

Thanks,

xCoins

[1714666010]

1714666010

[xcoins-io]

Hi,
I use xcoins as a lender since 3 month.
I loose my money at this time and I'm sure i receive more PayPal disputes in the future.
I only hope don't receive disputes for all my transactions make by your site because maybe a lot of people are loosing money.
You have say me by your support, the lenders have 50% profit margin guarantee, can you tell me how you do that and if you refund the lenders in this situation ?
Thanks

MagicMike83,

Can you please clarify what you mean by saying that you lost money.  Are you talking about on a specific transaction or overall? 

Because this is impossible with our 50% profit margin guarantee.

For each lender in our system we compute the profit margin, and if it drops below 50% , as an active lender, we reimburse you. 

Therefore it impossible to lose money with xCoins as a lender.

Thanks,

xCoins

[blockcha1n]

Now saying there is a bounty campaign in the services section of the forum.
It is nothing more than the affiliation link given when someone clicks on their referral link.

[MagicMike83]

Hi Jay,

Like you can see, I'm under the 50% profit margin.

Can you refund me the difference for stay up at your 50% profit margin guarantee ?

Thanks

https://ibb.co/g94fsa

[xcoins-io]

MagicMike,

Going to invetsigate this right now!

Please PM me your email.

Will get back to you ASAP

[MagicMike83]

MagicMike,

Going to invetsigate this right now!

Please PM me your email.

Will get back to you ASAP

I have send you my email by PM.

Please don't tell me like your support, for make more transactions for stay up at the 50% profit margin, because i don't want more problems with my PayPal account.

You say have an automated process in your system for refund the lenders falling under the 50% profit margin but it's not true or your system don't work because i'm allways under this.

Thanks

[MagicMike83]

Hi Jay,

Can you tell me when i receive my refund because I'm allways waiting.

Thanks

[pawsdog]

Customer support for lenders is pretty non existent. There are issues with the software that allow you to get ripped off as a lender. There are credit card exploits that can result in the buyer getting your coin prior to the transaction clearing or being processed. This is not a paypal issue or lender issue, this is an XCOINS issue in that this loop hole exists. As an investor I would likely be careful, accept that it is high risk, that if anything goes wrong your own your own in a big ocean with no paddle. Use at your own risk. You can make a profit, but the risk of getting burned is also very real.

[tamerlatepu]

Don't use this website, you won't get any profit! The only profit you will make is to make them richer and you poorer.

I don't see any profit on my Paypal account, my balance show $127 + $1.54 on my xCoins balance, where's my 15% profit?

You can take a look at my screenshots

https://i.imgur.com/F21qWJV.jpg
https://i.imgur.com/eYlNozx.jpg

[xcoins-io]

Don't use this website, you won't get any profit! The only profit you will make is to make them richer and you poorer.

I don't see any profit on my Paypal account, my balance show $127 + $1.54 on my xCoins balance, where's my 15% profit?

You can take a look at my screenshots

https://i.imgur.com/F21qWJV.jpg
https://i.imgur.com/eYlNozx.jpg

Hi,

I am sorry to say but you are incorrect.  You made the correct profit that we guarantee, I believe you are a bit confused.

I looked into your account and saw  that on June 8, 2017, you deposited  0.04679955 btc  to (which was $129.49 on that day) into your xCoins account.  On June 8, 2017 the average bitcoin price for the entire day was $2,799.70.  

Today that same 0.04679955 btc is currently worth $105.14  (as opposed to $129.49), as of 10:13 AM Pacific Time 6/15/17, because the average bitcoin price as of today is $2,263  which leads me to believe you did not account for the price fluctuation of bitcoin .

Here is a breakdown of each and every successful transaction you made, showing each profit you made for each transaction.

06/08/17 07:08    - Transaction SV3KSI8EUL- $4.44 profit from loan amount of $37.66

06/08/17 07:20   - Transaction OWJS4VL5SE- profit $4.64 from loan amount of $39.33

06/08/17 10:39   - Transaction WFSW9OFGS8 - profit of $3.15 from loan amount of $26.81

06/08/17 13:29   - Transaction LVH2TJJTPO- profit of $2.25 from loan amount of $19.24

06/08/17 18:24   - Transaction H25QMOOXRD - profit of $1.50 from loan amount of $12.92

This makes a total of $15.98 profit .  You still have $1.24 left in your balance.

[pawsdog]

If you absolutely want your ACCOUNT FROZEN BY PAYPAL, then go for it. I have 10k NOW sitting for 180 days that I can no longer touch thanks to LENDING ON XCOIN. Paypal froze it as a violation of their terms of service for acting as a currency exchange. Lend, sell, it don't matter. PAYPAL WILL FREEZE AND PERMANENTLY CLOSE YOUR ACCOUNT.


You will get a message like this:

We recently noticed an issue with your account. To see what you can and can't do while your account is limited, go to the Resolution Center.

Why is my account access limited?

Your account access has been limited for the following reason(s):

Jun 15, 2017: We need to confirm some of your account information.

(Your case ID for this reason is PP-xxx-xxx-xxx-xxx.)

This limitation cannot be appealed.

After speaking with numerous people at paypal, managers, senior risk management folks etc. The verdict remains the same. It violates their Terms of Service, Its High Risk and Paypal says sorry bout your luck, your account is permanently closed. You will get an automated email in 180 days that will allow you to withdraw your funds. Funds minus any charge backs that is.

The hold being in effect so as to provide them a buffer in the event of excessive charge backs. 

Other note of interest when your account is banned you cannot capture funds, so if you have any transactions outstanding that already had bitcoin delivered. To Bad, you can not collect the payment.. You can just sit and watch the frozen balance go down, down, down.. 

This is really stupid as Paypal ruled in my favor on a few chargebacks, which I would think would minimize their risk..

Basically Bitcoin competes with paypal, paypal will fuck you for selling/lending it and collecting payment with their site.

[pawsdog]

It just seems as if quality control in the process of "screening" borrowers is handled haphazard at best. If not handled in a way that would be considered blatantly reckless and expose potential lenders to undue risk.

One of the highly screened loan applicants from xcoins.. Can't believe he did a charge back..

Brandon Robert Kling.

http://mugshots.com/US-Counties/Georgia/Fulton-County-GA/Brandon-R-Kling.152148758.html

Setting the mugshot and long criminal history for theft aside; as I doubt xcoins runs a criminal background check. If I look at the information provided or that xcoins had access to prior to them pairing him with a lender for a loan its pretty obvious that a 6 year old mentally handicapped monkey would of noticed a red flag or two.

First off.

His billing address:  2909 W 15th St, Plano, TX 75075                            Oddly enough this comes back to  Wu Wei Din Chinese Cuisine  (The address is a Chinese restaurant in a strip mall in Texas)

Address on his ID  223 valley brook dr woodstock, Ga 30188-1787           Comes to his deceased mothers home whom died over a year ago  http://www.lakesidefuneralhomega.com/memsol.cgi?user_id=1745143

His IP 174.228.4.59                                                                          This is from Tampa         Tampa, Florida 33622, US


So basically none of his information lines up, not even remotely. I have looked at the majority of charge backs and it seems as if each and everyone there are discrepancies like this. IP does not match ID address, ID address does not match billing address, billing address does not match IP location etc.

That said I think that approvals have been handled recklessly on the part of Xcoin. Especially in light of the fact that their "boiler plate" dispute text for paypal states:

The payment was authorized. The buyer made the payment through the site XCOINS. He/she submitted a photo of himself holding a sign with the word "XCOINS" on it. He also submitted his photo ID to verify his identity. Additionally, he confirmed his account at the site by email. The buyer's IP address was analyzed and determined to match his billing address.

Obviously we see that this is not the case.


I'm just saying that someone over there needs to get their head screwed back on in the right direction and perhaps reevaluate the screening process and or provide some remedial training for what I presume are employees conducting the screening.

[xcoins-io]

xCoins has a very strict verification process, and everyday we are strengthening our methods, we prevent almost 99% of all scammers, but occasionally, as with every business, some get get through.

There were no red flags with this user, and I'm not sure where you obtained the Plano Texas address, as it is not in our system.  Many people can have different IPs if they have moved or are traveling.  We don't have any connections with law enforcement, but we do now look at public records.

In the unfortunate instance that someone does do a chargeback , xCoins has a 50% profit margin guarantee. If you ever fall below 50% in regards to your profit margin, xCoins will reimburse you to get you back to 50%.  I don't know of any other company in the cryptospace that does that.

xCoins members have been making a great deal of profit since our inception, and we have a lot of very happy customers.

Here are some videos members have created on YouTube detailing how to use xCoins and the profits they've made.

https://www.youtube.com/results?search_query=xcoins

[gotit]

Not happy with xcoins at the moment.

The support is low to respond. Charge backs are more rampant now. I am staying away from xcoins until I see a positive change.

[hameed_farah]

Any other feedback on this guys?
It seems legit to me but I am still waiting for answers. Would YOU invest in it? And why?

[Colorblind]

Any other feedback on this guys?
It seems legit to me but I am still waiting for answers. Would YOU invest in it? And why?

This service is scam - nobody can support this sort of profits unless they are plain criminals https://xcoins.io/earn-with-bitcoin

[hameed_farah]

Any other feedback on this guys?
It seems legit to me but I am still waiting for answers. Would YOU invest in it? And why?

This service is scam - nobody can support this sort of profits unless they are plain criminals https://xcoins.io/earn-with-bitcoin

Actually as I understand their business model it sounds extremely feasible..
They are not the ones paying the extra interest, they are directly taking it from other users and they clearly state that.
So I don't have a problem with the business model, it is not a ponzi scheme what I am wondering if they indeed deliver on their promise and actually pay the money after it's all said and done

[xcoins-io]

Hey guys, our business has tens of thousands of happy lenders, and some have increased their wealth drastically.  We have strengthened our verification methods, and we also have a 50% profit margin guarantee, which means that if your profit margin ever falls below 50%, we will reimburse you back to 50% profit margin. 

Also here is a video a user did showing proof of how it works:  https://www.youtube.com/watch?v=ZOTF7hQq51I

If anyone has any inquires please feel free to contact us at investors@xcoins.io, we are always here to help!

[johnhoomles226]

Incredible exchange platform to trade bitcoins at cryptoexmart.com, no charges, no fees but prompt service delivery and satisfaction