The lottery scam begins with an email notification that you have won a sum of money in some type of international lottery (Jamaican Lottery, Spanish Lottery, etc). The recipient is instructed that in order to claim their winnings they must first contact the claims agent via the provided email address, generally a free based email such as Yahoo, Hotmail, or Gmail.
The target of the scam will be asked to verify your personal identity with copies of your driver's license or a passport along with a claim form that contains all of your personal details. If you return this claim form you have now provided the fraudster enough information to duplicate your identity.
The agent will also instruct you that in order to be able to claim the funds you are required to wire funds via Western Union to pay the processing fees, insurance, and taxes. Once the wire is sent out the victim of the scam is now at a loss for the wired funds along with being put in jeopardy of identity theft. The fraudsters then use your personal information to continue to scam other people.
Nigerian scams are to persuade the victim into thinking that they have been chosen to participate in highly confidential business. Fraudsters claiming to be Nigerian officials, business people, or the widow of former government officials will offer to transfer large sums of money into your bank account in exchange for a small fee. Generally official documents are sent requesting the victim to provide blank letterhead with your banking information along with a small sum of money to transfer the costs and attorney fees. Once confidence is established there is an emergency that occurs requiring you to send more funds and delaying the transfer into your account. The large sum of promised money is never transferred to your account and the fraudster disappears with your funds and account information. This scam is generally over a length of time. Though it is called the Nigerian Scam it transacts from countries all over the world.
The victim receives a letter inviting them to become a paid mystery shopper. The letter is sent on very legitimate looking letterhead form a U.S. company, however the phone numbers generally originate out of Canada. A check is enclosed with instructions to deposit the check into your bank account with an assignment. You are instructed to wire a certain amount of funds via Western Union, take the wire fees, keep an amount as your pay, and take funds to perform the mystery shop.
Sounds like an easy way to make money? The check you have deposited is not good and you will receive notification from the bank several days after this occurs. Meanwhile you are now out the bounced check, any fees that you have paid, and have already wired funds to the fraudster.
Can you deposit a check into your bank account if the check was received from a sale made on eBay or an unexpected check that arrived in the mail from an unknown person? The answer is no because the check could very easily be a fraudulent check. Often you actually may be considered to be assisting the fraudsters in their counterfeit rime.
If you receive a check in the mail that you are not expecting to receive, DO NOT CASH IT. You should contact the issuing bank to verify the validity of the account and check.
You always have to remember if something sounds to good to be true it generally is.
Text Message Scam
have had reports of customers receiving text alerts
asking you to call and reactivate your debit card . This
text is not from National Bank of Coxsackie, it’s a
scam. NBC will never ask for your account number via
text message or email. If you have any questions please
For more information regarding phishing, identity theft, malware, and other computer crimes please visit: www.onguardonline.gov