Got aware of that few days into wcoop, was quite shocked.
When you dont have an avatar and you think you have std black screen you in fact have ftops jersey assigned (if you won one on ftp).
Shocking thing is you cant see it yourself and no need to say it affects dynamics vs randoms and you dont even know that.
Stars can also use it as commercial.
In a reply to e-mail they said they cant do much about it after merging ftp account w/ Stars.
So now you have to setup black screen manually (as avatar of your choice) if you dont want to have an avatar.
I also feel a bit screwed for $$$ considering it seems I played w/ ftops jersey for like an year.
Be aware and thoughts....