Category Archives: Fraud - Page 3

Credit Card Fraud By Cutting Phone Lines

This particular type of fraud targets shop owners and police say it has been happening in Sydney.

The criminals go to a retail shop dressed as electrical contractors and cut their phone lines. They then go into the shop as customers and buy products using a stolen credit card.

Because the phone lines have been cut the store’s staff can’t verify the card to process the transaction. So they either have to trust that the card is legitimate and process the order on paper, or turn away customers.

If you work for a retail store you should be aware of this fraud tactic. There may also be things you can do to protect access to your store’s phone lines, and it may be possible to organise credit card processing facilities that use a mobile network as a backup.

Govt Grant Scam

The email below suggests you can receive $20k from the US government. cashThey ask you to send an email with your personal details. These type of scams then ask you for more details.

Your details are then used for fraudulent activities, under your name (this is called identity theft). It’s also common for the scammer to start asking you for money – there’s usually an excuse that they need to pay lawyers or some other convoluted story.

Below is the scam email, if you see this just delete it:

Hello

Secure $20k in Govt Grants and you never need to pay it back.

All American residents can apply for Govt Grants.

Allotment of grants doesnt depend on your credit history.

The strength of our firm is grants writing.We’re doing business since 1999 and we have helped around 20,000 people obtain grants.

Our company is taking fees of 10% only after our clients receive funds from Govt.There’s no risk for you at all.You’re paying our fees only when you’ve received grant money in your bank account.

Send us details including first name, last name, address, profession, date of birth, annual income, reason for govt grant.

grantswriting27@mail.com
Reply back to this email.

Regards

Johnathon Hodge

Hacked Version of VLC Player

There is a hacked version of the popular VLC media player. Instead of installing VLC, it starts installing, then asks you to send an SMS to a number. They then send you a code in return to continue installation.

This is wrong. The people that hacked this installer are just trying to make money from your SMS’s. At the moment it’s been detected in the French version of VLC but it could apply to any language.

The real VLC player never asks you to send an SMS. The real VLC player can be downloaded from: http://www.videolan.org/vlc/

If you download it from anywhere else you end up putting your PC at risk. Always download files from the original vendor’s web site. You can search Google to find it.

ATM Skimming

This isn’t internet or PC related but it’s still good knowledge to avoid scams.

ATM skimming usually involves someone attaching 2 devices to an ATM:

  1. A device to read your bank card number
  2. A device to record you typing in your PIN

They attach these devices to the ATM and make it look convincing enough that most people won’t notice they’re there.

In the past the scammers would come back in a few hours and take away the devices so they can retrieve the information. And sometimes the police would be there waiting for them to return. Today crooks have gotten smarter and attach mobile phones to send the information to their own phone. This way they don’t have to return to the scene of the crime.

So the real problem is, how do you know if an ATM has these skimming devices attached? Below is a presentation prepared for a local bank in Australia. No matter which bank you use the information in this report is useful.

It’s easy to read through the presentation and won’t take up much of your time, and it’s full of interesting photos of card skimmers. You can find it here:

PowerPoint presentation: here.

Foxtel SMS

I just received this one. I haven’t worked out if it’s a scam or how it works, I’ll update this post when I find out (please post your comments here if you know anything). (Update: it’s legitimate)

The SMS was received in Australia and reads:

When you are home please call FOXTEL on 1800882016 (12pm to 8pm) so we can help you check whether your dish requires a component upgrade (no charge).

I don’t have a Foxtel dish and never requested any kind of service or upgrade. My guess is that if I call that number I’ll be charged at a premium rate, or someone will ask me for my credit card number.

Update 1: Someone pointed out that I should be able to call the 1800 number from a pay phone for free. So I’ll do that tomorrow, I have nothing to lose.

Update 2: Pay phones are rare these days. After finding one I called the free number, it’s an electronics engineering company that services Foxtel dishes. Seems like it’s a legitimate SMS, just sent to the wrong person (me). I also received a second SMS exactly the same.

So there we go, it’s not a scam.

Facebook Get Rich Quick Scheme

There were some ads on Facebook promising to make you rich by signing up to a Google advertising program. The ads had bogus testimonials, trying to make it look real.

If you click on the ad it takes you to a page branded "EMillionaire". It tells you to submit your details to see if you’re eligible to join the program.

The details it asks you for include your credit card number. It said that you would be charged US$1.90. Maybe some people were ok with this charge.

However, instead of being charged a small amount and being told the secret of becoming a millionaire, they charge US$197 to your credit card.

This is a scam. Facebook said they’ve removed the ads but people have reported that some still exist.

Also watch out for "Work at home" ads, they’re usually a scam as well.

Money Mule Scam

I was sent the following email. It’s called a money mule scam, basically money laundering. Taking part in these scams is illegal, and in some cases they even ask you to buy things to get you started (making it an even greater scam).

The email looks like:

Point Focus LLC is  now expanding! To deal with the international payments processings we are now looking for people willing to facilitate  establishing of our all-round-the-globe business connections and assist saving considerably by tax disbursing reduction. This position of the Financial Assistant involves accepting payments from our Australian, UK and US ( rarer Spanish) clients to your account and resending to our partners.

You are getting paid right by the moment you cash the payment. It’s the commission in amount equal to 4% out the sum posted on your account. This very amount you’re deducting before sending anything out. So,estimated roughly, you can make up to 2000$ extra monthly.  

Plus, you get: 
– flexi-time (usually 2-3 hours a day)   
– Saturdays & Sundays off    

Requirements:    
– Have to be aged 21 or above   
– No criminal record 
– Regular Internet access    
– Ability to accept payments using your bank account 
– Ability to resend the money through Western Union    

If feel qualified, please, attach the following info to start up with:   
–  Fist Name:
–  Last Name:  
–  Age:
–  Sex: 
– Country  
– State, City, Zip   
– Phone number (home and cell)
– Valid email address

NOTE!!!! the email address you use to contact us for the first time is: pointfocusgo@—.com , in the subject field put “interested”. Please, use only mentioned email address, otherwise we’ll fail to receive your response.

Remember if you receive an email like this delete it, don’t reply to it.

FIFA World Cup Lottery Scam

The FIFA World Cup is scheduled for 2010 in South Africa and scammers have already started using this news to trick people into giving out their personal details.

Targetting peopleA new scam email is sent to people telling them they won a lottery. The email is full of interesting things to catch people’s attention such as a large dollar amount ($850,000) and social tricks such as asking them not to tell anyone about their winnings.

At the end they ask the recipient to send them a few personal details, which the scammers then use to steal money from your bank accounts.

The email uses broken English and is full of "official looking" random letters and numbers.

Below are some quotes from the scam email. If you receive this email just delete it.

South Africa FIFA World Cup 2010
Government Accredited Licensed!!
Online National Lottery South African
2009/REF:EAASL/941OYI/04&
Batch: 12/25/DC34 RE:LOTTO

Your email have luckily won the sum of USD$850,000.00

Which subsequently won you the lottery in the 2nd category i.e. match 5 plus bonus. You have therefore been approved to claim a total sum of $850,000.00 USD… In cash credited to file KPC/9080118308/02. All participants for the online version were selected randomly from World Wide Web sites through computer draw system and extracted from over 100,000 union associations and corporate bodies that are listed online this promotion takes place weekly.

Our agent will immediately commence the process to facilitate the release of your funds as soon as you contact him. For security reasons, you are advised to keep your winning information confidential till your claims is processed and your money remitted to you in whatever manner you deem fit to claim your prize. This is part of our precautionary measure to avoid double claiming and unwarranted abuse of this program your request to fill the information below.

And it goes on and on.

Some people who fall for these things have never entered a lottery, but they want to believe it so much that they don’t stop to consider why they were selected.

Now you might be wondering who could possibly be so foolish to fall for lottery scams. In fact, a large number of people fall for these things. In Australia alone (and with a small population of 21 million) 329,000 people lost money to lottery and phishing scams in one year. 3.6 million people fell for these scams in USA. Imagine how many people worldwide fall for these things.

Not everyone in the world reads Fraudo.com. You can help by talking to people about lottery scams, making them aware of what they are and how they work (there’s more information here). Help educate people, especially those who are less tech savvy or might be desperate for money. You could also help them subscribe to Fraudo.com – get them to enter their email address in the top right corner of this page, sometimes email is an easier way to receive these updates.

Keep the wolves at bay

Credit Card Fraud – Fake Confirmation Number

If you work in a retail store or any other business that accepts credit cards in person, please be aware of the follow fraud tactic that was recently used.

  • 2 customers walk into a retail store
  • They select $8000 worth of products
  • At the checkout they present a credit card
  • The credit card is rejected
  • The customers say something along the lines of

    "Oh I knew that would happen. Please call my bank, here’s the number"

  • The store attendant calls the number provided by the customers
  • The person at the end of the phone approves the purchase and gives the store attendant some kind of confirmation number
  • The customers walk out of the store with $8000 worth of products

The number they gave wasn’t a real bank’s phone number. It was their friend answering the call.

Lesson to be learnt? Don’t call the number given to you by the purchaser. Look it up yourself or call your phone company’s directory service.

The full article is here.