# Reporting Pathways for exch99 id Fraud - Note 005
# Reporting Pathways for exch99 id Fraud - Note 005 How Agent Panels Are Usually RunForums and complaint posts describe a flow where an agent shares a username and password after receiving a transfer, then tops up points by hand. Odds screens may look polished, yet balances and settlements depend on chat messages rather than audited ledgers. Users report disputes over voided stakes, odds changed after wins, and delayed or denied withdrawals. Because operators sit offshore,