Edit 2: @zeartul deleted all of his comments, including ones where he promises to repay, so, that speaks for itself, the scam warning is back in effect.

Edit: Update @zeartul has responded with a promise to pay everyone back, let's wait on see, Scam warning removed for now

Hi Steemit,

With a heavy heart I do this, for the first time, I'm issuing a Scam Warning. The user @zeartul who also owns and operates @bellyrub and the @bellyrubbank appears to be performing an exit scam. I believe that he also has used these other accounts: @carlidos @psych101 @mrsteemitbwhale, and @lifeisamazing .

I would advise against doing business with any of these accounts.

He has defrauded numerous individuals with the @bellyrub service which either would under deliver or fail to deliver, and the @bellyrubank which offered the To-Good-To-Be-True APR of 45% (!!!) but now it seems that depositors won't get their money. I personally will be out 422 steem in unpaid rentals, plus the 100 SBD that I foolishly placed into his bank.

@zeartul is in the process of powering down (and with his @bellyrub accounts too) and sending money to Poloniex. I fail how to see how this makes sense if he really planned on repaying me in 2 days (and everyone else too). I have unvoted his witness and removed all my power delegations from his accounts.

I'm ashamed of the role I played in this. He fooled me and gained my trust by paying off his loans. He seemed like a great guy to do business with at the time, and he paid me generously for my delegation rentals. I sung his praises and even gave him "pimp of the week" award, and had encouraged people to use bellyrub and put money in his bank. I'm very sorry about that.

Probably the biggest clue I didn't pick up on at the time for whatever reason was the ridiculous 45% interest rate on his bank. There is no universe where this rate makes sense, that should have fucking woke me up. Lesson learned there, next time anything offers that sort of rate, it's a scam for sure.

I'm fine and the Bank of Neoxian will be fine

I would to reassure my depositors that my Bank is fine and will survive this. Definitely my delegation business is drying up in a big way, but my loan business is booming, and I have other ideas in the works. I'm still offering a 5% apr for my bank, which is aggressive, but not silly like 45%.

Anyways be careful out there guys, the Steem oceans can be rough sometimes, but I wouldn't have it any other way.

Oh and @zeartul, if you read this, it's not too late to make good. I'll be happy to remove this warning if you can write a post explaining to the community what's going on, and your plans to make things right.