Windows Validation Error Help

Gentlemen: has anyone come across this problem? I was on the internet yesterday(Good Housekeeping) when the machine froze. Rebooted and this Windows Validation nonsense shows up in the bottom right corner.It is oblong and transparent.There is also an icon in the system tray that links to a payment center.The desktop backround is now black. I have tried system restore,Combo Fix,and Malwarebytes with negative results. Can anyone help? Thank you