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FTC report (max 3500 characters): -12/2021: introduced to Daniel Mangena through friend. Dan met me on zoom, coached, helped me have certainty around coaching sales conversations. Planted seed for doing franchising. He introduced me to Lance Graulich (franchise broker). I opened a LaVida Massage in 11/2021. -09/2022 I was sharing w/ Dan about cash flow issues due to SBA loan disbursement delays by bank. He urged me to join his "financial freedom in a box" program. It uses CC financing to start multiple business streams, generating $2k/mo, as little as 2 wks to a few months post-financing, growing to $5k/mo+ over time. I trusted him, signed up. He charged me $10k to start asap, sent contract that guaranteed income of $60k/yr w/ zero out of pocket costs. Said the minimum payments / interest payments would be paid by him until businesses are making $60k. -Dan and team set up LLC "Live Well Make a Difference" in my name, registered in WY. Team received my signature, Social Sec number, many other sensitive details, including my bank account to send inflow $ to. -Dan's team connected me with Rudiger Merz (www.growingwithcredit.com) who was to be paid from Dan's team (but charged me directly) to guide opening cc’s and using all 3 of my LLC's to get funding. Banks involved: American Express, US Bank, Truist, Regions, Bank of America, PNC, Capital on Tap (UK) and more. Dan's team sent permission slips w/ card info to charge up to the maximum credit, and promptly charged them. -The charges started in 09/2022 for the first banks, continuing through rest of 2022. -Rudiger's company also charged me directly when they should not have. -To date over $79k were charged on my cards, mostly to "FFIAB", some to "www.dreamwithdan.com" and another $4,264+ in min. payments and int. charges were never given. Further, I took out a personal loan through BOA to pay off a card that had 30%+ int. charges without any promo offer. -Dan’s team weren't sending min. payments on time, made it difficult to get payments. Kept blaming me for delays/issues, said Dan is taking money out of own pocket to set up businesses + that I need to be patient, and various reasons for delays. -They stopped making payments in 03/2023 for the min. and int. payments, explained anyway those payments were "expenses" on the business, and was just a courtesy. Gave option to charge cards more to then make the card payments. -Team communicated via Telegram, I never received concrete details on the streams. I wrote a message via whatsapp in late Dec 2022 to Dan to come out of this program, had a call with him. Dan was very aggressive, blamed me for performance issues, implied I’m not believing in abundance, etc. I was crying during call. -In April gave concrete timeframe for 1st stream payment, yet no payment came. More excuses -On May 4, another victim showed me article + podcast showing Dan’s connection with Lindani Mangena in UK, a con artist who was jailed for similar. Later, they connected me with more victims who felt scammed with similar story: a 70yo woman who lost retirement savings, someone else who had accounts opened under her name without permission, and more. Research by one of the victims showed connections of family members + other associates from Lindani / Daniel. -Dan currently advertising program, luring more victims into similar programs -My computer hacked (maybe by Dan’s team or someone else). Identity theft. Sensitive docs may stolen and used