You Are Our Partner. While Western Union works hard to help prevent fraud, we believe that fraud prevention is everyone’s responsibility. Your best defense is to be aware, educate yourself and use good judgment with our informative tips. Don’t fall victim: Learn how to spot the warning signs of a scam or scammer before it’s too late.
Relationship Scam
Scammers contact their victims online and gain their trust by building fake relationships. After they have established trust, scammers ask their victims for money for various travel expenses, fees or other emergency expenses. If you’ll be looking for love online, remain alert for signs that the other party in your relationship may not be who they say they are. Remember, you should never send money to someone you have not met in person.
Employment Scams
Victim responds to a job posting or advised to download an app that will lead to a job. Before the job can be guaranteed, victim must transfer money to a specified bank account, or convert the amount into cryptocurrency and then transfer the sum into digital wallets specified by the scammer. In this scam, victims were promised a commission after a certain number of tasks have been completed. Other scenarios receive fake warning letters telling them to pay a severance fee if they no longer wished to continue with arranged job.
Advanced Fee -Investment Scams
Thieves pose as authentic companies and lure victims into paying fees in anticipation of receiving something of greater value, like a loan, credit card, grant, investment or inheritance money. The victim sends money to the scammer using a money transfer service, but then receives nothing in return. These loans, credit cards, grants, investments or inheritance sums never actually existed. And once the scammers get their money, they are never heard from again.
Protect yourself from fraud
Think you’ve been scammed?
Report it. You can help us and, in the process, help others from getting scammed in the future.
Call our Fraud Hotline at
6336 2000
File a fraud claim
Report to authorities
Forward the suspicious email to spoof@westernunion.com –do not cut and paste the contents, because valuable tracking information about the source will be lost.
Find out moreVictim 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
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:
Tax scam, Telemarketing, Immigration scam, Charity scam, Social Networking scam, Fake Check scam, Grandparent scam
Articles:
4 ways to protect yourself against advanced fee and prepayment scams, Study Up on Student Scams
The victim sends money for the purchase of item ordered online (e.g. pets, cars). Items are often advertised on Craigslist, eBay, Alibaba, etc. After the money is sent, the victim never receives the merchandise.
Associated with:
Overpayment scam, Rental Property scam, Fake Check scam
Article:
Fraud alert: Internet puppy purchase scams rising, Tips to protect yourself from online shopping scams this holiday season, Defend yourself from COVID-19 consumer scams
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
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
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:
Social Networking scam, Military, Emergency scam, Extortion
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
Learn more about the tricks fraudsters use to lure in victims.
Test your fraud knowledge now
Smart people fall for scams every day. Test your knowledge of money transfer fraud and learn how to protect yourself.
Test your fraud knowledge now
Smart people fall for scams every day. Test your knowledge of money transfer fraud and learn how to protect yourself.
Western Union is helping to protect consumers from falling victim to money transfer scams through education and awareness.
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You work hard for your money and you want a company you can rely on when it comes to sending your money to friends and family. That’s why we want to help you protect yourself from fraud.
Stand Guard—spot the warning signs of a scam before it’s too late, with tips, brochures, and other useful information.
Be resourceful, get educated and stop fraud
Keep informed and stay protected. The more information you have, the better you can shield yourself against criminals. Report fraud, stay updated on the latest scams, and learn how to detect con artists with these additional resources.
