13-year fraud pattern: LendUp (2012-2021) → Ahead Financials (2020-2022) → Puzzle Financial (2020-present)

640K+ victims, $43M+ settlements, 4 SEC complaints documenting securities fraud and retaliation

Subprime lending mafia: QED Investors founded by Nigel Morris (Capital One CO-FOUNDER & President 1994-2004). All 3 Mission Lane CEOs from Capital One. Vijesh Iyer built Capital One's 6M annual subprime customer empire (2002-2005), then applied playbook to LendUp → Mission Lane. Capital One founder profits from both sides of fire sale while recruiting alumni.

Israeli fintech ecosystem: CEO is Netanyahu financial backer (2015), co-invested with Sam Altman's family in consumer credit (Theorem Technology 2014-2024), Israeli AI lending stockholder (Pagaya 2024, now under securities fraud investigation with $229M impairments from legacy 2021-2023 portfolios while claiming profitability)

OpenAI integration conflict: Puzzle "syncing with OpenAI" for customer financial data while Sam Altman's Altman Family LLC co-invested with CFPB-banned CEO (Theorem 2014-2024); whistleblower terminated 28 days after raising GPT-3.5 data concerns (May 2023); CEO interviews OpenAI controller (June 2024), attends private OpenAI dinners (Dec 2024)

YC conflict of interest: YC W2014 LLC + Altman Family LLC co-invested with CFPB-banned CEO in consumer credit asset management, explaining continued platforming despite fraud documentation

General Catalyst active suppression: $250K Israeli pledge (Oct 2023), unpinned tweet + deleted Twitter replies after being called out re: Puzzle fraud connections (Dec 2023)

Russian intelligence concern: Puzzle GTM built U.S. tech access infrastructure (Women Tech Meetup, YouTube, Forbes) WHILE at FBI-warned Skolkovo Foundation

Network enablement: YC, Forbes, TechCrunch notified 27+ months → silence → celebration → TechCrunch platformed Skolkovo-built network at 4+ conferences → same-day retaliation C&D

This isn't ambiguity. This is documentation of conscious enablement.