Citi to cut 20,000 jobs, posts $1.8bn loss in ‘disappointing’ quarter

Citigroup (C.N) said it would cut 20,000 jobs over the next two years, acknowledging a “clearly disappointing” quarter marred by one-off charges that resulted in a $1.8 billion loss.

Shares of the bank – which is in the middle of a multi-year effort to cut bureaucracy, increase profits and boost a stock that has lagged peers – are up more than 1%.

“The fourth quarter was very clearly disappointing,” CEO Jane Fraser told analysts. “We know that 2024 is critical.”

The lender will reduce its global workforce of 239,000 by 20,000 – or roughly 8% of staff – through 2026, including layoffs from the sweeping reorganization, Chief Financial Officer Mark Mason told reporters.

Citi will also no longer count 40,000 jobs when it spins off and lists its Mexican consumer unit Banamex in an eventual initial public offering, eventually aiming to reach a staffing level of 180,000 employees, Mason said.

Still, some analysts said results from the third-largest U.S. lender by assets appeared strong when the one-off charges were excluded.

“Citigroup’s earnings looked awful with a big loss of $1.8 billion, but the bank’s underlying business showed resilience,” said Octavio Marenzi, CEO at management consultancy firm Opimas.

The loss was driven by $3.8 billion in charges disclosed in a filing on Wednesday that included reorganization expenses, a reserve related to currency devaluations and instability in Argentina and Russia and a $1.7 billion payment to replenish a government deposit insurance fund.

The bank expects to report between $700 million and $1 billion in charges this year related to severance costs and the reorganization.

“Whenever an industry or company goes through these types of reductions, it’s tough on morale,” Mason told reporters. The staffing cuts will not affect revenue growth, he said.

During the week of Jan. 22, the bank will announce more organizational changes, according to a memo to staff seen by Reuters. Efforts to simplify its structure will be largely completed this quarter, saving $1 billion and eliminating about 5,000 mostly managerial roles, Fraser said.

‘CAN THEY EXECUTE?’

Rivals JPMorgan Chase (JPM.N) and Bank of America (BAC.N) on Friday reported lower quarterly profits, while Wells Fargo outperformed on cost cuts.

Citi’s revenue fell 3% to $17.4 billion in the quarter from a year earlier. It was the first time the bank broke out earnings for its five businesses — services, markets, banking, U.S. personal banking and wealth, which were previously housed under broader divisions.

Revenue from markets, or the trading division, dropped 19% to $3.4 billion from a year earlier. It was dragged lower by a 25% plunge in fixed income revenue from sluggish rates and currency markets, as well as losses from Argentina.

In contrast, banking revenue climbed 22% to $949 million, led by higher investment banking fees for debt capital markets and advisory work that offset a slide in corporate lending.

In U.S. personal banking, revenue climbed 12% to $4.9 billion, lifted by retail banking and credit cards.

But consumers have begun to show signs of stress, prompting Citi to set aside more money to cover losses on souring loans.

“The restructuring announced two months ago was a long time coming,” said Chris Marinac, director of research at Janney Montgomery Scott. “The question comes down to: Can they execute on this restructuring in terms of really being able to grow the core business? The jury is still out.”

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  20. Losing a Bitcoin wallet containing a substantial amount of cryptocurrency can be a devastating experience. However, the feeling of despair and loss was transformed into pure happiness when I received the incredible news from ARGONIX HACK TECH that my lost Bitcoin wallet, holding 100,000 bitcoins, had been successfully recovered. In this article, I will share the rollercoaster emotional journey I went through when I lost my wallet, the subsequent discovery of ARGONIX HACK TECH, the process they employed to retrieve my precious digital assets, and the lessons learned along the way. This is a story of hope, resilience, and the power of professional recovery services in restoring lost Bitcoin wallets. Ah, the sweet sound of good news. There I was, minding my own business on an average Tuesday morning, when I got a notification that would make any bitcoin enthusiast jump for joy. It was a message from none other than ARGONIX HACK TECH, informing me that my long-lost bitcoin wallet had been found. And not just any bitcoin wallet, mind you, but one containing a whopping 100,000 units of the beloved cryptocurrency. Now, for those living under a rock or perhaps too preoccupied with the latest cat videos, let me give you a crash course in Bitcoin 101. Bitcoin is a digital currency that has taken the world by storm, captivating the minds of tech-savvy investors and casual enthusiasts alike. It operates on a decentralized network, meaning it doesn’t answer to any central authority like a bank. Instead, it relies on blockchain technology, which adds a layer of security and transparency to every transaction. To own bitcoin, you need a wallet – a digital container where your precious coins reside. Think of it as a virtual piggy bank, except you don’t need a hammer to break it open. Your wallet comes with a unique address, like a digital fingerprint, that allows you to send and receive bitcoin. Losing access to this wallet is as heart-wrenching as misplacing your favorite pair of socks. Trust me, it’s not a pleasant feeling. My encounter with the disappearance of my Bitcoin wallet taught me a valuable lesson about the importance of implementing proper security measures. It’s not enough to rely on luck or hope that your digital assets will remain safe. Taking proactive steps to protect your investments is crucial in the wild world of cryptocurrencies. From using strong and unique passwords to enabling two-factor authentication, every layer of security adds another brick to the fortress that safeguards your digital wealth. Trust me, you don’t want to learn this lesson the hard way. It has changed my life to be able to retrieve my misplaced Bitcoin wallet thanks to ARGONIX HACK TECH amazing services. It made me realize the worth of tenacity, the necessity of safeguarding digital assets, and the necessity of getting expert assistance when dealing with losses of this kind. Email ARGONIX HACK TECH via: Argonixhacktech@ job4u. ecom

    You should make amends with ARGONIX HACK TECH.

  21. If the process is too good to be true, it’s probably a phony crypto recovery expert. I have been scammed by so many recovery companies, and I can tell, it’s almost not possible to recover stolen or crypto sent to the wrong address. It’s rare to find a legit recovery company without getting scammed believe it or not. I’m saying from experience and I can tell you ([email protected]) is reliable, not 100% but will never leave you stranded or visit their website at Easyreclaimcryptorecovery.com.

  22. Do you want to recover your lost bitcoin and here is the key to that, I was scammed over $1,540,000 I talked with this Russian guy which I sent him money via Bitcoin I almost lost everything. But for the timely intervention of Mr Rottgen who just kick-off on time got back my $1,540.000 worth of BTC He is really good at what he does, I have recommended him to couple of friends and co-workers who all became satisfied customers. He has helped me a lot in the trading industry, you can reach him. Hacking and Funds Recovering he is the best and has different skills in funds recovering and exposing scammers. Am glad and happy to recover my money, there is no shame in becoming a scam victim of one of these sophisticated and predatory operations. By reporting you may be able to recover some or all of your lost funds and prevent the scammers from targeting others. To recover your Scammed Bitcoin funds, Scammed funds, Clear or Erase Criminal Records and Bitcoin Mining Contact this Genius Recovery Advocate Rottgenraphael via gmail and thank me later.

  23. I was targeted for scam last year which they really achieved, a broker I met on Instagram last year deceived and lured me into investing my hard earned funds in which I ended up losing everything I had worked for all my life which left my life in shambles leaving me with so much debt going forward not being able to meet up with my day to day expenses which was a wholesome new experience that I couldn’t cope with halting my life financially which was really heartbreaking. I lost a substantial amount of my life savings $370k to scammers investing into crypto currency with a fake platform without the knowledge of being scammed by those scumbags in the Internet posing as crypto investment companies just to swindle people’s funds, I was able to make my withdrawal a first which spurred me on into investing more with the crypto investment company in which I lost everything. Venturing into crypto investment was a vision I had of amassing wealth which was a grand plan for me to invest my hard earned funds into cryptocurrency which I didn’t know what to do or how to go about it because I was really knew into crypto investment, I came across this angels which saved me and turned my story around helping me retrieve back my lost investment funds with their mind blowing recovery services and excellent hackers at the firm through some great reviews online with many of their past clients which retrieved back their funds working this life saving hacking firm. After going through many of DARKRECOVERYHACKS RECOVERY FIRM ” DARKRECOVERYHACKS @ GMAIL . COM \ Telegram Handle @ DARKRECOVERYHACKS ” testimonies of their former clients attesting to their life saving recovery services I came to the consideration to hire them after some investigation on their legitimacy as a hacking firm, DARKRECOVERYHACKS are my life saviors and they can also help save yours if you don’t let doubts stop you from making the right decision which is reaching to them to let them handle your case as they did with mine.

  24. The convincing organizational operation and efficiency of COREASSETINC RECOVERY FIRM which was evident working on my case after I hired them to assist with their recovery services when I lost a substantial amount of my life savings $340,000 investing into cryptocurrency with a fake crypto company, it was an intoxicating experience going through all I experienced when I lost my funds not being able to take care of the family and also meeting up with my day to day expenses. COREASSETINC ” Telegram @ COREASSETINC ” left nothing out in making sure I get my lost investment funds back leaving no stone unturned in achieving this remarkable result on my case, I came to know about this particular recovery firm COREASSETINC ” COREASSETINC @ GMAIL DOT COM ” through great reviews I stumbled upon in the Internet about their mind-blowing recovery services that had helped many scammed victims across the world me included get their peace of mind back and their funds retrieved which is amazing going through most of them knowing I can get my lost investment funds back with their services. My advice to anyone thinking of ever getting into crypto investments is to be very sure of the legitimacy of the company as a cryptocurrency investment company before trusting them with your had earned funds, but in any case you find yourself in such position of scamming be sure to get your funds retrieved back by this magnificent hacking firm which turned my life and story around and trust me they will get the job done with their amazing hackers at the firm. I getting my funds back wasn’t just a coincidence but with the top notch dedication, professionalism and an extensive knowledge of the crypto landscape proved pivotal in retrieving back my funds and also puts them in good stead achieving the same result in your own case equally.

  25. I have been able to gain access remotely into my husband phone for over 9 months now without him even noticing anything.
    I have been able to see all messages on his phone also i saw he has been talking with a girl named “Sara Chips” via Facebook.
    This is actually crazy because i thought he loved me. I’m crying right now..Tech Wizard made me see every single details thing on his phone
    including past messages/ images. I could also see my husband was in a hotel room with a lady, while he sometimes comes back home Late then
    Lies that he got so busy at work. Anyways, thank you Tech Wizard for opening my eyes.
    You can also contact him techwizard64 @gmail com, The best when it comes to hacking.I am really glad I contacted him.
    He’s the right person you need to talk to if you want to: Recover Stolen funds, Boost Credit score, Change your school grades,Clear your criminal records, retrieve your deleted/old texts,call logs,emails,photos and also hack any of your
    spouse’s social network account facebook,instagram,telegram, tiktok,messenger chat,snapchat and whatsapp,
    He offers a legit and wide range of hacking services. His charges are affordable and reliable.

  26. I have come to realize that Rottgenraphael @ GMAIL COM is the ideal choice for recovering lost cryptocurrency. Last year, I received a proposition on “X” widely known as ’Twitter” regarding cryptocurrency and stock investments. Despite my lack of experience in digital assets and my primary involvement in real time stuffs, I decided to give it a try out of curiosity. Unfortunately, this decision proved to be a costly mistake. When the time came to withdraw my profits after a month, I discovered that I couldn’t access my account due to reasons provided by the platform. With over £988,000 invested, including an initial investment of £120,000 and an expected return profit of £800k, I reached for the support team. They informed me that I needed to pay legal fees to regain access to my account. Despite my limited knowledge of the process, I paid the requested fee, only to find that I still couldn’t access my account . It became clear that the website was a front for a scam, and I couldn’t bear the thought of losing such a significant amount of money. In my desperation, I reached out to the best recovery firm on google, specifically “Rottgenraphael @ GMAIL COM. This turned out to be one of the best decisions . After contacting them on google, we proceeded with the recovery process, and within a week, my lost funds were fully recovered and transferred to a new wallet address I provided to prevent any further losses. For those facing similar situations, I highly recommend reaching out to this team of experts whom are dedicated to helping Scam victims regain what they have lost

  27. Recommending this fantastic team (The ROOTKITS RECOVERY FIRM) i read about them through the blog where people had written some pretty good reviews regarding their Professional experience in the world of cryptocurrency.. they basically deals in all forms of lost cryptocurrency Recovery, i came to noticed that most scam victims had benefited from their service, today I’m here to share my testimony with y’all. I unknowingly got my self involved in a sort of Fraudulent Cryptocurrency trading company where i had invested a huge amount of funds through usdt transfers. It was really a long process the whole thing never went well, they denied me the withdrawal of my funds when it was due as they kept demanding for certain fees to be settled, i even went extra to get loans from people and from my bank to add up to what i have in my balance to settle this fees before i would be able to take my profits as they said to me but all this was all lies cooked up to lure me into making more payments. when i eventually found out though it was late already the first thing i did was to stop our communication then start to look for a means to recover back my funds. when i was researching going through people reviews i learned that ROOTKITS has help out so many people who have in one way or the other lost their funds to trading companies so i contacted this team to know if they can actually recover back my funds from the scammers and they then proved to me beyond doubts that it was really for real so I urgently referred my case to them which the immediately move on with the recovery process, I’m happy today to tell you that i have received all my lost funds back with the help of this wonderful team, you can Contact them through the email address; R O O T K I T S 4 @ G M AIL . C O M if need his assistance or through telegram also with the user: ROOTKITS7

  28. I have come to realize that K N I G H T H O O D B O T @ GMAIL COM is the ideal choice for recovering lost cryptocurrency. Last year, I received a proposition on “X” widely known as ’Twitter” regarding cryptocurrency and stock investments. Despite my lack of experience in digital assets and my primary involvement in real time stuffs, I decided to give it a try out of curiosity. Unfortunately, this decision proved to be a costly mistake. When the time came to withdraw my profits after a month, I discovered that I couldn’t access my account due to reasons provided by the platform. With over £988,000 invested, including an initial investment of £120,000 and an expected return profit of £800k, I reached for the support team. They informed me that I needed to pay legal fees to regain access to my account. Despite my limited knowledge of the process, I paid the requested fee, only to find that I still couldn’t access my account . It became clear that the website was a front for a scam, and I couldn’t bear the thought of losing such a significant amount of money. In my desperation, I reached out to the best recovery firm on Telegram, specifically “@ K N I G H T H O O D B O T 9. This turned out to be one of the best decisions . After contacting them on Telegram, we proceeded with the recovery process, and within a week, my lost funds were fully recovered and transferred to a new wallet address I provided to prevent any further losses. For those facing similar situations, I highly recommend reaching out to this team of experts whom are dedicated to helping Scam victims regain what they have lost .

  29. Losing $300,000 worth of Bitcoin to scammers was a nightmare, but
    TRUSTGEEKS HACK EXPERT came to my rescue. These scammers had somehow hacked into my account, leaving me in a state of distress. The journey to reclaim my lost funds was nothing short of daunting. TRUSTGEEKS HACK EXPERT with its ethical hacking expertise, provided a thorough and professional approach that instilled confidence in me from the start. Dealing with the aftermath of a security breach is never easy. Still, their commitment to keeping me informed at every step, providing regular updates, and promptly addressing my questions was reassuring. The scammers’ intrusion into my account was a stark reminder of the sophisticated methods these individuals employ. However, TRUSTGEEKS HACK EXPERT operated within legal and ethical boundaries, ensuring the recovery process was conducted with integrity. This ethical approach not only distinguishes them from the initial breach but also sets a standard for the industry. The success of the recovery speaks volumes about the effectiveness of TRUSTGEEKS HACK EXPERT strategies. Navigating the complexities of cryptocurrency transactions and security protocols requires a level of expertise that they demonstrate. It’s not just about retrieving the funds; it’s about doing so in a way that ensures the ongoing security and integrity of the assets. Throughout this challenging process, my recommendation of TRUSTGEEKS HACK EXPERT has strengthened. In the face of digital threats, knowing there’s a reliable and professional service to turn to becomes invaluable. My experience serves as a testament to the importance of having a team like TRUSTGEEKS HACK EXPERT in a world where cyber threats are on the rise. In conclusion, my journey from the distress of losing substantial Bitcoin to the successful recovery orchestrated by TRUSTGEEKS HACK EXPERT is a story of resilience and expertise. It underscores the significance of ethical hackers committed to safeguarding and restoring what rightfully belongs to individuals in the ever-evolving landscape of digital security threats. to reclaim your precious cryptocurrency contact TRUSTGEEKS HACK EXPERT with the information above..

    CONTACT TO GET BACK YOUR LOST OR SCAMMED CRYPTOCURRENCY.
    Email: trustgeekshackexpert(@)fastservice(.)come
    Telegram User: (At) Trustgeekshackexpert
    whatsApp number  +1.4.0.6. 2.1.8.6.9.0.0

  30. The moment I received back my lost investment funds back in my wallet was something I couldn’t explain up until now, because I fall prey to a ponzi scheme set up to bring in darkness into my life. I was empty after investing $450k to a crypto investment company introduced to by my brother who happened to have invested with them also not knowing it was a scam, he told how he was able to make some profits and was able to withdraw his funds showing me proofs of his investment and withdrawals. I was happy I could make money investing into cryptocurrency which was proved by my brother, I trusted and invested with them and was made to invest more funds every time in which I lost everything costing me my job. I was fired from work owing to not being able to pay back the loan of $85k to invest with this particular company which turned my life upside down, evidently it was hard for I and the family to cope with what we experienced especially the kids which hard to stop school in order to be able to pay rents. I was really ashamed of the situation I put the whole family at costing us everyone’s comfort investing with a wrong cryptocurrency platform with possible knowledge on their legitimacy as crypto investment company, it was really shocking the day the company went offline with all I had invested with them which never was what I planned in the first instance with a grance make great profits which led to my doom which I suspected my brother who introduced me to them. Looking at my lost investment funds back into my wallet by DARKRECOVERYHACKS RECOVERY FIRM which was an amazing experience after everything I have passed through, they are worthy hackers which can change your your story and turn your nightmares into joy which is evident in my life after they helped retrieve back my lost investment funds.

  31. I was filled with regrets of going into crypto investments after I lost $570,000 worth of cryptocurrency to a crypto mining company I trusted and invested with them not knowing I was falling prey to a set out ponzi scheme to play with people’s trust and swindle their funds in the process, I was a victim of scam which got saved by COREASSETINC RECOVERY FIRM ” COREASSETINC @ GMAIL DOT COM \ Telegram at COREASSETINC ” and their magnificent hackers at the firm in retrieving back my lost investment funds which was an amazing feeling having my funds back into my personal wallet. I was in shreds when I found out that the crypto company I had invested with has gone offline with my funds which was very agonizing experiencing the lost funds I went through, I decided to write down this testimony for other victims of scam to know their lost investment funds can be retrieved back by COREASSETINC. I doubted in myself if they could help with their recovery services in retrieving back my lost investment funds but COREASSETINC cleared every doubts I had explaining their recovery process to me in the process, they maintained a transparent communication getting me up to speed with the progress made in my case with the recovery process which was top notch. The team was so helpful and friendly, as they expertly guided me through the recovery process within three days exactly 72hrs of working with them the team successfully completed my recovery operation and I had the full amount available in my external wallet I was in complete shock and awe that I would have positive result in such short time, the professional team at this company did for me what no one has been able to ever do for me I am thrilled because I never thought it was possible from where I was to where I am now remembering how things were recently before I took the decision to invest into cryptocurrency.

  32. HOW I FULLY RECOVERED MY FUNDS FROM CRYPTO SCAMMERS

    It is truly amazing what you can achieve with the right information. I’m truly grateful for the service of reclaim funds firm , which was able to recover my cryptocurrency funds from fake investment accounts. Losing $284,000 of my hard-earned money was excruciating and devastating when I thought I could earn more from investing in cryptocurrency, not knowing that I had fallen for a scam. I was able to contact Dr WARDELL DORMAN when I did my research online and came across their email @[email protected]
    I saw that reclaimfundsfirm (dot)com has been helping many victims like me to recover their funds.
    I’m truly grateful for their service and I commend them for being professional and trustworthy.
    Their contact information is below

    E-Mail:[email protected]

  33. Indeed I don’t feel like I am doing enough to show appreciation to DANIEL MEULI WEB RECOVERY over what they did when I got scammed, it’s a sad story losing it all and an even sadder story losing it all to scam. It felt like the rug got pulled out from under me, I kept on hitting myself as to why I didn’t see the signs and wondering how this could have happened. One thing I did was try to get a hold of myself and not panic, trust me when I say this there are steps you can take to recover your funds and DANIEL MEULI WEB RECOVERY TEAM can help! We’ve all heard stories of people being scammed out of their life savings and it’s a scary thought. It’s also important to remember that if you’ve been scammed you are not alone, been there and done that. There are thousands of people out who have gone through the same thing and if they all got in contact with DANIELMEULIWEBERECOVERY(AT) EMAIL DOT COM OR (AT) DANIELMEULI TEAM they’d know that there are resources available to help you get your money back. The first step anyone would take would be to contact the company that they believe was scammed just to be sure it’s not one Big error from their end if they don’t respond or try to bully you over what happened to pay more money. The next step any reasonable human being would take would be to file a Complaint with the appropriate authorities and there is never any guarantee that they will get your money back, trust me they’d only waste your time more. It’s also important to do whatever you can to try to recover your losses and DANIEL MEULI WEB RECOVERY can help. We won’t always be lucky but we should be able to know an opportunity when we see one.

  34. How do i start this review? Well i would love to extended my immense gratitude to this Professional and lives saving Asset Recovery Firm ROOTKITS RECOVERY FIRM., Honestly I’m not the type that enjoys writing much but this time i have to let the world know about this genius and how they have helped me during the time i was put in a really serious situation by an online Cryptocurrency Investment Platform that turns out to be Fraudulent , i lost almost everything i had on the cause both my Huge Inheritance that i benefited from the sale of my late Grandfather’s company as i taught this will equally be a good way to investment my money for the future. sadly i ended up losing every cent to this Cryptocurrency platform i was never allowed to take my profits both with my capital invested funds of $1.842m USD. so many actions i had took just to get my money back but all to no avail. i felt really shattered and broken as this left me so depressed and traumatized. when i finally found out that i was dealing with scams i then taught about a more advanced technique person to help me out with this very situation and that was how i went hunting for help on the internet.. on the process i read many good reviews about ROOTKITS RECOVERY FIRM on a Cryptocurrency comment section. based on what people and how desperate i was to recover my lost invested funds i contacted the Team through one of their contacted details mentioned below, I’m very proud to share this with everyone that this Team did recovered all my money from this very Platform, I sincerely acknowledge their relentless efforts and urge anyone out there who has failed or lost his/her asset to Fraud to contact them if you wish to have your funds back via their contact, Mail R O O T K I T S 4 @ G M A I L . C O M – Telegram: ROOTKITS7

  35. My heart is filled with an overwhelming sense of joy and relief as I reflect upon the successful retrieval of my Lost investment funds with the exceptional and mind-blowing recovery services of COREASSETINC RECOVERY FIRM which had saved me from a great deal, I trusted the wrong crypto investment platform which took away everything I had worked for all my life $370,000 worth of cryptocurrency which was a substantial amount of my life savings. Throughout the turmoil I concealed the truth of the whole scam ordeal from my loved ones feeling ashamed of myself and the whole predicament that I was into remembering how good things were moving just recently before I took the decision to invest into crypto, reaching out to COREASSETINC ” Telegram @ COREASSETINC ” gave me hope of getting my funds back from the first interaction I had with them I was assured of the restoration of my financial stability. They maintained a transparent communication getting me up to speed on the progress made with the recovery process of my lost investment funds, I provided all that was required by them like evidence of my investment with the fake crypto platform I invested my hard earned funds with. Their unwavering support, determination and unwavering dedication towards achieving a remarkable result in my case thought me about the true meaning of resilience, they were proactive responding with unwavering support and determination to rectify the injustice inflicted upon me in order to bring an end to this malicious scam. I am eternally grateful and indebted to COREASSETINC ” COREASSETINC AT GMAIL DOT COM ” for coming through for me when all hopes were lost of ever getting my lost investment funds back, in the event that you find yourself ensnared in a similar predicament, I implore you to seek the assistance of this remarkable hacking agency.

  36. In trading, I lost every dime I had. My investment was $25,000.

    and I was unable to withdraw my initial deposit and interest from them. I’ve spoke with a professional in rehabilitation.

    (  INSTAGRAM: Marie_consultancy and Marieconsultancyoz@Gmail com)!

    to help me recover the money from them, and everything proceeded quite well. I’ve succeeded in recovering all of mine

  37. HOW TO RESTORE YOUR LOST AND STOLEN BITCOIN

    Captain Robert Crypto Recovery will work with you to recover lost or stolen Bitcoin and secure your digital assets. Contacting Captain Robert Crypto Recovery is a simple process. You can get in touch with them by phone or email and give them information about the Bitcoin that was taken as well as any other pertinent details.

    WhatsApp; +33 7 51170895

    Mail; [email protected] o m

  38. ARE YOU A VICTIM OF INVESTMENT OR NFT SCAM? DO YOU WANT TO INVESTIGATE A CHEATING SPOUSE? DO YOU DESIRE CREDIT REPAIR (ALL BUREAUS)? SCHEDULE A MEETING WITH AN ETHICAL HACKER ASAP TO GET STARTED.

    Let us show you the art of Ethical Hacking….!

    EMERALD HACKS is a financial regulator, PRIVATE investigation and funds recovery body. We specialize in cases as regards ETHICAL HACKING, CRYPTOCURRENCY, FAKE INVESTMENT SCHEMES and RECOVERY SCAM. We are also experts in CREDIT REPAIR, we analyze what’s impacting your score.
    All software tools needed to execute RECOVERIES from start to finish are available in stock.
    Kindly NOTE that the available tools does NOT apply to CREDIT FIX.

    Be ALERT to FALSE reviews and testimonies on the internet, the authors and perpetrators unite to form a syndicate.

    Contact our team as soon as you can via the email address below to book a mail meeting with an ethical hacker.
    emeraldhacks(.)org@gmail(.)com

    Stay Safe out there !

  39. When you see this review i believe you will also be happy for me because i was convicted with a crime that i didn’t commit and this was last year, i was working with a company and i was suspected for some fraudulent act but with the help of Premiumhackservices AT Gmail DOT com i was found not guilty, they provided evidence i need to be free they worked as private investigator on my case and they were hired by my wife and i thank them a lot doing and this is least way i can show my appreciation for what they have done for me, they also use WhatsApp to stay in contact +14106350697, you can also be saved today all you have to do is to take the right step in the right direction.

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