Fake emails could cost you thousands

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Think you got an email from a business you know? Scammers sometimes use emails that look legit to trick you into sending money to them.

The email might say it’s from a real estate professional you’re working with, telling you there’s a last-minute change and you should now wire your closing costs to a different account. Or it could seem to be an email – with an invoice – from your utility company, telling you to wire payment. Whatever the story, if you wire that money, it goes to the scammer – and you may never see your money again.

These scammers might get your information by hacking into a business. Once they know about you, they send an email that seems to come from the business, telling you where to send money.  So, how can you spot these scams? 

  • Never wire money to anyone who emails – or calls – and asks you to. Instead, check it out.
  • Contact the company through a number or email address you know is real. Don’t use phone numbers or links in the email.
  • Don’t open email attachments, even from someone you know, unless you’re expecting it. Opening attachments can put malware on your computer.

If you’ve already sent in money to a scammer, act quickly.    

  • If you wired money through your bank, ask them right away for a wire recall. If you used a money transfer company, like Western Union or MoneyGram, call their complaint lines immediately.
  • Report your experience to the FTC and to the FBI’s Internet Crime Complaint Center at ic3.gov. Give as much information as you can, including all requested banking information. The sooner you get this report in to ic3, the more likely they can help you.
  • If your bank asks for a police report, give them a copy of your report to ic3.gov.

Also, learn more about protecting yourself from phishing

Comments

recently I got what appeared to be an email from a friend. I knew it wasn't him. It was in my spam emails and I hovered my mouse over it to see the address, it wasn't him. I also got one from supposed my son. I did the same thing as I knew he didn't send me things. I just left it in spam. My server does a pretty good job of catching the spam ones. Sometimes too good. That is why I check my spam emails once in a while. I have had emails from almost all of the ones that you mentioned. I never open anything unless I'm sure it's from a reliable contact. Thank you for your articles in keeping us as safe as possible.

Our school just received a bunch of fake emails appearing as QBO invoices. Most were caught by our email filter, but some made it through. Thankfully, no one clicked on any links.

Hello , I have never received an email but in february this year a company from california has deducted from my credit card 788 €. I reported the same to my credit card company and they have my card immediately it was internet fraud

I got this email after I was scammed from Family support.

Re: Scam/Fraud TH Todd A Hoffman <> Reply| Sat 13/05, 7:19 AM You You replied on 13/05/2017 1:49 PM.

<>Madam, From my last email to you, You can understand your compensation payment is approved and will be remitted into your bank account as soon as you are able to meet up our payment requirement. Be informed that all the money you have lost to these scammers will be recovered including your approved fund here. We are doing our best to also make sure all these scammer are put behind bars and prosecuted as soon as possible. Like i said on my last email to you, As the beneficiary of the said fund you must sure a Non-Residence Permit that will grant you an authorization to receive your fund from the European nation because you are not a Citizen of any of the European Nation. Be informed that without the Non-Residence Permit you will not be able to receive a cent. So i will advice you to follow instruction and have your Non-Residence Secured as soon as possible to enable us start the wire transfer processing of your fund. Be advised that the scammers have no power to cancel anything. Securing the Non-Residence permit is the only requirement needed from you and as soon as that is done we shall proceed to have this matter resolved. I will advice you of the cost of the Non-Residence when i hear back from you. I need you to send me the bank account where you will like to receive your fund along with your direct telephone number for fast communication and more advice. I wait your email Thanks Todd.

There are a lot of these scams and scammers on Craiglist.

Excellent article, keep up the good work

I get lots of offers; from The Federal Bureau of Investigation, from the department of Justice, from aphilanthropist in Nigeria, from someone telling me I have won a major lottery prize. Should I forward those fake emails fo "ic3.gov" or just delete them?

You can forward the phony email to spam@uce.gov, the FTC’s email address for spam.  This database helps the FTC bring cases involving scams promoted via email. Then, delete the email. Thank you.

A few days ago I have received an email from a loan company it had my full name, address and email and a bank I use to have. They have me if I had appy a loan from them and will be deposit in my bank account soon as possible. The loan is $5,000- The strange part of this I have never even had applied a loan from this company. They wanted me to pay them $100 if I don't received the money in a timely fashion. Now I feel sick because I have open the email. Do no make the mistake I did by opening up an email unknown to you. I have been scammed​ before back 2016. You can't trust no one.

In Illinois they require wire transfers for purchase of homes. I can only suggest that you request your closing agent provide a hardcopy of their request so they or the bank can be stuck with the loss. Give the hardcopy to the bank and keep a copy. That is what I did and they had the gaul to say they did not get the money at closing...

If I don't want a certain emailer in my spam I block them and I hardly have any in that box now.

I have registered my number on the Do Not Call List 6 times in the last 3 months. Why is it no longer working?

The Do Not Call list is working, but scammers don't obey the rules.

Scammers call people, even if their names are on the Do Not Call list. If you put your name on the list, and you get a call from a number you don't know, it could be someone who is ignoring the Do Not Call list.

I never got any robo-calls on my cell phone until I registered it on the Do Not Call list. Now I'm getting calls constantly. I also refreshed my home phone number on the Do Not Call list and those calls have not increased. It looks to me like people are using the Do Not Call list to actually make calls. Personally, I think the list should apply to ALL calls. I don't trust anyone that calls me whether they are legitimate or not.

WHY IS THIS NOT WORKING/

I almost got scammed. The scammer had names of people I (know) They said if I send them $1000--or more--I would get 200.000.
I almost bit, but luckily could find no place to send it. When I got home I couldn't get into My computer, so it ended that!!I know better,and I could kick myself for almost falling for it.

A secret shopper scam to the same thing to me I'm trying to report it now they wanted me to wire them money and I didn't go for it either the check was $1,500 and I had heard good news about secret shopper from other friends but this was the scam yeah soon as I seen they wanted me to wire money I knew it was MoneyGram is always a scam

Been fairly lucky till the past couple of weeks. Have has fake emails from Capital One and Capital One 360. Have had fake emails from B of A. Now we are getting phone calls from the IRS, which are bogus. And they call and call. We blocked their phone numbers and then they call from a second, third, or forth number. The worst one has been one of these scammers saying they are looking for my daughter and they are going to come after us for her debt. She died in 2014. I hope Karma gets them.

The same thing is happening to my phone n the same tactics with my children

Most of those emails appear in my spam folder, and I couldn't click on the attachments anyway, though it wasn't as if I was planning to open up something that I feel is suspicious either.

I have been getting calls one with recorded message if you don't answer . IRS to call back and the other call is supposed be from Microsoft the infected computer scam they will ask if sitting at your computer now they've e-mailed you with no response.

THIS HAS HAPPENED TO ME......

A valuable service, BUT IF you went after the spammers/scammers with the highest volumes first, I think it would make for easier identification of the criminal elements; then you can go after them. A cohesive plan would do both. And the 'net would be a less dangerous place. I can't imagine being a newbie these days!

Received an email from someone with name Kevin Johnson from a company by the name Cash Net Us Group stating that I owed $money plus attorney fees and interest, it even had a case number.. Also that I am in violation of federal banking regulation act 1983, collateral check fraud, theft by deception and they are going to contact my employer and they want me to resolve my case with the Bureau of Defaulters. the number on the emailis 805 314 1252 They also left telephone number of 855 265 2634 at my office.

I just received the same email from Jack Brown and contacted them. Wouldn't give any info saying that the papers were in the courthouse and I had to agree to a payment plan to get any more info. Upon investigation, I found that I closed the bank account that they said the funds were sent to. But the scary part is that they had my SSN. I have reported them to my state and FTC. Report them!

It's not fair to us as consumers to have to go through this. It's scary to know that they have our SSN. Make no sense

Received the same email on my work email Titled: Final Warning before arrest from Eric Martin who claimed to be emailing on behalf of Cash Net USA.

I got one the same from Eric Martin that said the same thing. I deleted it. I've never had a loan from these people.

Got the same one that says Cashnet!

I received the same above email except mine was from Daniel Grey with the same number to call. Also included this: WE CARRY ALL THE RIGHTS RE-SERVED TO INFORM TO FBI, FTC YOUR EMPLOYER AND BANK ABOUT FRAUD. And once you are found guilty in the court house, then you have to breathe entire cost of this lawsuit which totals to $13,428.15, excluding amount you borrow, attorney's fee & the interest charges. You have the right to hire an attorney. If you don't have or can't afford one then the court will appoint one for you.

I DELETE THEM CAUSE THEY ARE ALL SPAMS. MY PHONE LET'S ME NO IF THERE ARE FOR REAL OR NOT. NEVER ANSWER TO THESE PEOPLE IF YOU NOT SURE. DO A LITTLE SEARCHING LIKE I DO. GOOD LUCK AND BE VERY CAREFUL

I am leery of any emails I received in my personal and those in my spam I do not tar granted they are legit. Majority of time I will not open an email unless the regular email tells me to do. Then I am leery of that also. Thanks for continuance warnings. We seniors need to be alert & very careful with our emails and personal information. I am leery of giving business my personal information. They sell everything today for a $1.00.

Be careful I have seen fraudsters using similar domains either leaving out a letter or substituting a letter and registering complete domains names, replicating your business structure, then having the fraudulent CEO e-mail account send a convincing e-mail to the accountant requesting to transfer money to an account. Always have a verbal ok before transferring money from e-mailed requests. Have a look at your processes either automated or manual and make revisions to stay safer, think outside of the box, search the internet for other scams and become aware.

I recently got an email from United nations in New York telling me I was entitled to $7500.00 they asked me to send $1650 to a bank in China I never sent money as I don't know if they real or not how can i check it out I have all details of names addresses an email adresses

If you get an email about a prize or getting money, but they want you to send money first, it's a scam. If you send money, they will keep it, and you won't get the money they promised. Stay safe, and don't share personal information or bank account details with someone who emails you out of the blue.

All of this started for my husband and myself when the president decided to sign a bill to allow scammers to see and purchase peoples information off of the internet again from other entities. We constantly get calls. I have my cell phone block unknown callers now. I do not open emails from anyone until I check the actual email address that they are sending it from. In the beginning, I had been called and threatened with a warrant for a loan I never applied for from a scammer if I didn't pay them almost $700. I called the FBI and reported the phone number, because they had claimed to be calling from the FBI Cyber Crime Unit. I then called back, told the guy that the FBI knew who he was and that if he ever called my house again, HE would be arrested. He has never bothered me again.

I received phone call or emails that asking me to pay with a promise..i sent it to them and never got back..

Thanks for your reply, it's so I do not have any e-mail it just from my credit card genomen. I have a police copi which I got 2014 I have sent the money was not not on the names of the that it has passed over vermitler for the that. So I had to be at the police right, that I do not make money laundry. Got thanks, I was banned for the transmissions via westernUnion as well as Moneygram. Thanks if they need something they just ask me.

The (IRS) called Me and said I owed $800 in back taxes. I am retired and don't even pay taxes!! I didn't know the IRS doesn't call, and went to My bank figuring they would know it was a scam.They had a document that told all about it. A teller answered My cell phone and told them they knew it was a scam, but they were consistent. They kept calling back even though they were found out!!

I also got a call from a bank that said I made an inquiry about My credit score. I contacted equinox and they put an alert on it and I also notified My bank, and lifelock.

Lifelock is a waste of money and is not a preventative approach. almost all of what Lifelock does, you can do for free.

Be sure to read the FTC's blog on:
LifeLock agrees to pay $100 million for allegedly violating FTC order from December 17, 2015

I'm getting several notices, via email and voice msgs that my recent applications for Loans, was denied! I haven't applied for Loans in nearly 15 years! I've reported them, to FTC, but I haven't heard back, from FTC! The calls and Emails continue! ARGH!!!!

I like to answer (from a dummy email) and I turn the requests around to asking THEM to pay ME using Western Union with just a password. I waste a lot of their time as a response to those who have been scammed. If everyone did this sort of thing we would drive them out

I have a suggestion.. Our gov't officials don't really care about ending either email or phone scams because they don't have to deal with them. So let's make it their problem. Every time you get an email scam, forward it to EVERY one of your elected representatives, local, state, federal. For phone scams/robocalls, call EVERY one of your representatives and complain. Even look up the state and local gov't offices where the call appears to originate. I know, you think this won't work, you could be right. But my guess is that with billions of scam emails/phone calls being made each year, if officials start receiving THOUSANDS of complaint calls/emails each day, they will finally do something to no this!

K This is the scam email I got today:

LAWSUIT COURT CASE FILE NO: W-7164-DI-MK-507 CASE FILE TRANSFER – MAY -2017 FDCP ACT-811 (15 USC1692I) Court House Address- -United States District Court 500 Pearl Street, New York, NY 10007. Lawsuit Cost - $12986.65 (Including Attorney Fee/Court Fee/All Taxes) Attorney Name- David Smith (Sr. Attorney in New York Courthouse). Case Type- Fraudulent Case (FC/SC) Total Amount - $2946.63. Settlement Amount - $1986.00 Dear Debra 

We are going to file a lawsuit in next 24 hours at United States District Court 500 Pearl Street, New York, NY 10007 against your Name and SSN. After giving several notifications we did not receive any response from your side. We will consider that you are ignoring this matter and you want to dispute. NOTE- We are in a process to inform the Social Security Administration & Major Credit Bureaus as well. NOTE: The Legal Charges Section 19(A), Clause 21(US) is against you and if you ignore this case then our legal department will take immediate action against you. AS YOU ARE A DEFAULTER ON THIS CREDIT UNITED LEGAL INVESTIGATION BUREAU HAS STATED 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE: (1) VIOLATION OF FEDERAL BANKING REGULATION (2) COLLATERAL CHECK FRAUD (3) THEFT BY DECEPTION If Court action is taken and Judgment / Decree obtained against you to recover the sum due, we may need to ask the court to make one of the following orders should the debt remain unpaid:- · Warrant of Execution (Exceptional Attachment Order). Seizure and sale of movable non-essential assets/property by a County Court Bailiff or Sheriff Officer · Attachment of Earnings Base (Earnings Arrestment). Deduction from your wages by your employer or Arrestment of part of your salary to satisfy the debt The Factual Basis for the complaints is as follows:- You agreed to return the funds from the aforementioned income advancement as per contract. And as per the agreement, the funds have yet to be returned and the collateral has proven to be null that is to say of no value. At present, ACS INC is seeking either of the following remedies:- All funds to be returned as per terms of initial contract NOTE 1: If we don't receive any response from your side today, your case file will be downloaded automatically against you. After that, we are unable to help you and you will receive court summons at your door steps with the cost of a lawsuit around $12986.63 along with penalty of $3896

NOTE 2: IF YOU IGNORED THIS EMAIL AND FAILED TO TAKE CARE OF THIS DEBT THAN ALL OF YOUR BANK ACCOUNTS WILL BE SEIZED THRU MAJOR CREDIT BUREAUS WITHIN NEXT SEVEN BUSINESS DAYS THAT’S WHY YOUR CO-OPERATION WOULD BE REALLY APPRECIATED.

NOTE 3: Once the payment made in full then you will get an electronically generated payment receipt stating that your account has been paid off in full with zero balance and your case file is closed. This is our last warning to you, kindly update us ASAP so that we can proceed. Do update us with your intention that you want to resolve this case or you want to dispute. If you don't take this matter seriously then we will have no options rather than filling case against you for the lawsuit cost of $12986.65 and $3896 penalty in the courthouse. * If you are not able to pay $1986 in full of settlement amount then we can arrange the amount of $2946.56 in monthly installments Kindly Co-operate with us so that we can close this case file outside the courthouse ASAP. Once this case file is downloaded we won't able to help you out. You can reach us at (cashadvanceamericaloans.usa            )

NOTE: THIS CASE IS UNDER INVESTIGATION UNDER MAJOR CREDIT BUREAUS. Yours Sincerely, David Smith, Sr. Investigation Officer (Department – Law & Enforcement)

My son received this same exact email, same case number and amounts. 5/25/17 at 1:45 p.m.

I got the same email saying the same thing I reported it

I got the same thing today! Exact same wording and amounts.

I received this email from a scammer this morning:

Cash File No. Z#4387 NAME :- KATHERINE SSN :- xxxxxxxxx BANK INFORMATION :- JP+MORGAN+CHASE+BANK , xxxxxxxx , xxxxxxxx LOAN COMPANY :- CASH ADVANCE PAYDAY LOAN LOAN YEAR :- 2014 LOAN AMOUNT :- $350 DUE AMOUNT :- $1125

This legal proceedings issued on you docket #: 3616 with one of Cash Advance Payday Loan company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of cash advance has decided to mark this case as a flat refusal and press legal charges against you Already we have sent you several notification but you failed to respond on time. Now it's high time, if you failed to respond in next 24 hours we will register this case in court. Consider this as a final warning and we will be emailing/ fax this issue to your current employer to make sure they take strict action against you. Your salary and all your wages confiscated.

The opportunity to take care of this voluntary is quickly coming to an end . We would hate for you to lose the option of resolving this before it goes to the next step which is a lawsuit against you. If you want to stop it now you must take immediate action. We will be forced to proceed legally against you and once it is proceed the creditor has entire rights to inform your employer and your references regarding this issue and lawsuit will be the next step which will be amounting to $6526.65 and will be totally levied upon you and that would be excluding your attorney charges.

If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. Kindly let us know your clear intention by today onwards so we can hold the case file else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step.

Note: this notice is provided to you on behalf of cash advance incorporation and its parent company, and their respective family of companies including cash advance, its parent company, cash America international inc., and all of their respective subsidiaries and affiliates, (hereafter collectively referred to as ''cash advance related companies," "we," " our," or "us"). The cash advance related companies include, but are not limited to: cash advance, cash America international, inc., and all of their respective subsidiaries and affiliates, including those that operate under the trade name cash advance, 100 day loan, net loan USA, fax free cash, payday one, sonic cash money tree, egg loans, check cash loan, quickly payday, personal cash advance, Rapid cash, sonic payday, speedy cash, fast cash, cash net USA, my cash now, national payday, paycheck today, payday ok, cash central loans, cash net 500, cash net USA, allied cash, super Pawn, check into cash, check smart, cash America net, cash America, cash America pawn, cash land, super pawn, cash America payday advance, or any company-owner Mr. Payroll locations. "You" or "your" means you as a participant in or as user of the products and/or services offered by cash advance related company.

We may report information about your account to credit bureaus, late payments, missed payments , or other defaults on your account may be reflected in your credit report. Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or we would be proceeding legally against you. To resolve this issue contact us during the working hours Monday to Friday 09:00 am to 05:00 pm est by reply back to this e-mail us back in order to get in touch with the representative.

Note: This Case Is Under Investigation With Major Credit Bureaus. YOURS SINCERELY NEW YORK LEGAL GROUP OF ATTORNEY Sr. ATTORNEY MARK PHILIPS ACS Inc © 2016 |Terms of Use| Careers|Complaints|Privacy Policy ---------------------------------------------------------------------------------------------- Confidentiality Statement & Notice: This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your co-operation.

I got an email from what looks like legitimate debt collector (I have heard the name before) about what looks like a legitimate credit card debt (recently went into collections).
My hesitation is because I have never received correspondence from collection agency via email before. This particular email has information in it tha I don't feel comfortable with coming electronically. It has my COMPLETE Visa number, my balance, payments, etc.

Is any part of this legal?

Debt collectors can contact you by phone, letter, email or text message to collect a debt, as long as they follow the rules and disclose that they are debt collectors.

This FTC article about your rights when you deal with debt collectors has more information.

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