Advanced Fee / Prepayment scam
Victim is asked to pay upfront fees for financial services which are never provided. Victims often send a succession of transactions for payment of various upfront fees. Common methods could include: credit card, grants, loans, inheritance, or investment.
Associated with:
Fake Check scam, Grandparent scam
Articles:
4 ways to protect yourself against advanced fee and prepayment scams, Scammers Pretending to be Employees of a Telephone Company or Internet Provider Attempt to Scam People Out of their Money
Emergency scam
Victim is led to believe that they are sending funds to assist a friend or loved one in urgent need. Victim sends the money with urgency as the victim’s natural concern for a loved one is exploited.
Associated with:
Grandparent scam, Advanced Fee / Prepayment scam
Article:
Western Union and Better Business Bureau Partner to Protect Consumers from Emergency Scam
Employment scam
Victim responds to a job posting and is hired for the fictitious job and sent a fake check for job related expenses. Check amount exceeds the victim’s expenses and victim sends remaining funds back using a money transfer. The check bounces and the victim is responsible for the full amount.
Associated with:
Mystery Shopping scam, Fake Check scam
Article:
3 employment scams and tips to help avoid becoming a victim
Fake Check scam
Victims are often sent a check as a part of a scam and told to deposit the check and use the funds for employment expenses, internet purchases, mystery shopping, etc. The check is fake (counterfeit), and the victim is left responsible for any funds used from the check. Remember, funds from a check deposited into an account should not be used until the check officially clears which can take weeks.
Associated with:
Advanced Fee / Prepayment scam, Mystery Shopping scam, Employment scam, Overpayment scam, Internet Purchase scam, Lottery / Prize scam, Rental Property scam
Article:
3 employment scams and tips to help avoid becoming a victim
Grandparent scam
This scam is a variation on the Emergency scam.
The victim is contacted by an individual pretending to be a grandchild in distress, or a person of authority such as a medical professional, law enforcement officer, or attorney.
The fraudster describes an urgent situation or emergency (bail, medical expenses, emergency travel funds) involving the grandchild that requires a money transfer to be sent immediately.
No emergency has occurred, and the victim who sent money to help their grandchild has lost their money.
Associated with:
Advanced Fee / Prepayment scam, Emergency scam
Internet Purchase scam
Victims could be the buyer or a seller of items (e.g. pets, cars) or services advertised online through Craigslist, eBay, Alibaba, Gumtree, carsales.com, etc. Scammers pretending to be legitimate online sellers, either with a fake website or a fake ad on a genuine site advertising an item at a low price. They ask you to pay using a money order, pre-loaded money card or money transfer, after the money is sent, the victim never receives the merchandise or service. Scammers also pretend to be legitimate buyers by sending more than the selling price, and asks the seller to wire the difference back to them via a money transfer.
Associated with:
Overpayment scam, Rental Property scam, Fake Check scam
Articles:
Fraud alert: Internet puppy purchase scams rising, Defend yourself from COVID-19 consumer scams
Lottery / Prize scam
Victim is told that they have won a lottery, prize or sweepstakes and that money must be sent to cover the taxes or fees on the winnings. The victim may receive a check for part of the winnings and once the check is deposited and money is sent, the check bounces.
Associated with:
Advanced Fee / Prepayment scam, Fake Check scam
Articles:
7 tips to avoid lottery scams , Scratch and Win Lottery Scams, Avoid falling for sweepstakes scams
Mystery Shopping scam
The fraudster contacts the victim through an employment website, or the victim responds to an ad about an employment opportunity to evaluate a money transfer service. The fraudster often sends the victim a check to deposit and instructs the victim to send a money transfer, keeping a portion of the check for their pay. The victim sends the money, the fraudster picks it up, and when the check bounces the victim is left responsible for the full amount.
Associated with:
Fake Check scam, Employment scam, Advanced Fee / Prepayment scam
Article:
Why offers to become a mystery shopper require lots of scrutiny
Overpayment scam
The fraudster sends the victim a check that appears to be valid as payment for a service or product. Typically, the amount of the check exceeds what the victim expects to receive, and the fraudster tells the victim to send the excess back using a money transfer. When the check bounces, the victim is left responsible for the full amount.
Associated with:
Internet Purchase scam, Fake Check scam, Advanced Fee / Prepayment scam
Article:
Watch your back: Payment scams common in online buying & selling
Relationship scam
Victim is led to believe that they have a personal relationship with someone they met online often by social media, in an online forum or on a dating website. The victim is often emotionally invested, often referring to the recipient as a fiancée.
Associated with:
Emergency scam
Articles:
Looking for love on the Internet in 2016, Is the Love of your Life for Real
Rental Property scam
Victim sends money for deposit on a rental property and never receives access to the rental property or the victim may also be the property owner who is sent a check from the renter and asked to send a portion of the check back using a money transfer and the check bounces.
Associated with:
Internet Purchase scam, Fake Check scam, Overpayment scam
Articles:
Landlords in the spotlight – how tenants can avoid getting stung, Western Union combats online rental scams, Consumer need to be on guard against common rental scams
