Avoiding Money Wiring Scams

Imposters. Impersonators. Fakes. Frauds. Phonies. You might call them by different names but these scam artists have one thing in common: they pretend to be someone they aren’t and tell you a bogus story to con you into wiring them money.

The crooks will give you a pretty convincing reason to wire money. They might say you owe the IRS taxes and you’ll be arrested if you don’t pay up. Or that you won a federal grant and have to pay a processing fee to get your money. Some even tell you a loved one’s in trouble and needs your help.

They might tell you to use a money wiring service to add funds to a 16-digit account number they give you—they say it’s your case number or account number, but it’s not. Once the transfer goes through, the money’s gone and you can’t get it back.

Government agencies will never ask you to pay by wiring money. Neither will legitimate businesses. If someone insists you pay by wiring money, it’s a scam. Don’t do it. Instead, report it to the Federal Trade Commission at ftc.gov/complaint or 1-877-FTC-HELP.

Want to help the people you care about avoid a money wiring scam? Share this video with them.



Blog Topics: 
Money & Credit


We have been receiving calls from this person. He is contastaly contacting us from (512)887-8419 to send him $1000.00. He gave access to the home & key in Texas, using lock code.

You can file a consumer complaint with the Federal Trade Commission (FTC) at www.ftc.gov/complaint. Watch this video to learn more about how to file a complaint with the FTC and why it matters.

So I had been in search of a payday loan due to a bump in the road I hit with my disabled father. We are in the process of moving from the current living situation to a better environment for him and our apartment isnt going to be ready for 5 days and I needed a bit of help to cover our hotel stay. I found a slew of payday advance sites and not knowing much I applied to about 5. Within about 30 mins I was getting phones calls and emails, but one stuck out. It looked the most legitimate. So I called the number listed on the email +1- 321-396-5197 and a Indian man named "John smith" picked up the phone and proceeded to ask me very invasive questions right off the bat, ssn, account number, routing number.. It felt weird. I did not supply him with any of my info, but here's the thing he wanted me to go get a greendot card and load it with 110 dollars and call him back. I said absolutely "no" it made no sense for me to send him money when I was the one in need. He said it was a "insurance" clause and if I wanted 5,000 dollars by tonight I would do just that. I said no way and said I was looking up that company "AFSA" and he hung up on me. I looked up further thanks to google and found out they are pretending to be another financial outlet logo and all. They are 100% scammers. I emailed "John" back and stated if my information was sold or used I would take legal action I froze my account and called social security just to be safe. I don't have much but what I do have is mine. So after I emailed him I sent another email along with screen shots of the complaints via the fcc website. I was so mad. Here I am with a disabled father who's mother died last year and I just needed some help. So I got angry today and called that number and lo and behold it was "John" and I told him that he was a disgusting human being and a scam artist. He got loud and hung up. I called back and he then said I had reached a XXX phone service. Ugh.

I just received a email telling me that a relative of mine passed on that has the same last name as I do and no one has claimed the money which is a lie another person who name is george moore saying that he is in fort worth texas and in order for me to get this trunk of 15.8 million dollars that I would have send $100 dollars so how ironic is that this all started last month and keeps on going but the people are different but very similar stories

I send 1000 to someone from the FTC and it was my last idk what to do IMA kill myself

The FTC does not contact consumers and demand money. If you sent money to someone who pretended to be from the FTC, please report it at ftc.gov/complaint.

I have need to receiving my mygrum 8 dighit reference number

hello,i have no call but mail sent to your i am contastaly contacting them receiving mail from theme,for to get us $1000.00 i give to other acccess to the home $ key in tax in Tex

I've been had and it is not fun to know that you give away money in hopes of getting a check that is no where to be found.

I've been contacted by a lady with a Auburn, WA phone number telling me to call this other number in Washington DC to get my grant money released. When I did, they asked for money. I told her I would call her back when I had money gram. I never called back. I have received 2 other calls and when I told them I reported them to the FTC, they hung up quickly.
A second scenario happened to my father in law saying he won 9.5 million dollars. They scammed him out of $3500 little by little sending money grams to various locations like North Carolina and Massachusetts. They called him today. They want $800 for taxes on winnings saying 2 US Marshalls, Betty Jones, and Frank Miller will be here at 3:30pm if they get tax money. They gave an address in Miami, FL to send money to. I went on Google Earth to see the address given. It's a vacant lot with 2 run down shacks across the street. I have a partial recording of the conversation, but the FTC said they didn't need to hear it. If a could upload it here I would.
Please don't talk to these people. If you end up calling them back in Jamaica, your phone bill will be through the roof. Just hang up.

Well done alert. Gets straight to the point. keep me posted. Thanks

How do i report a scammer who is trying to fet yet more money from me via Western union?

You can report it to the FTC at ftc.gov/complaint.

Hlow PTC pls help me came back my money receive me again.pls help again

You can report a problem to the FTC at FTC.gov/complaint.

im in the same situaion ive been scammed already £200 from western union ive reported them to actionfraud

I was scammed out of 600 dollars through western union. I was so desperate and in need of money so badly these people con me say in if I sent them 250 dollars I would 5000 grant back through western union and I never received it. I was so hurt and felt so darn stupid and now I have to come up with 200 dollars fast so I won't loose my apartment with me and my kids.

I recently shopped for a loan online. I got a call from a man who said he was with a company that I had used several times before for short term loans. I "got the loan" but for less than I was looking for. In the wee hours of the morning, I checked my account and indeed the money was in my bank account. I was awakened about 10:00 am from the same man who had "processed" my loan. He told me that if I went to my ATM and withdrew the money and then wired it to him for payment in full, they would give me the larger sum I had wanted to borrow in the first place.

I am an intelligent woman who has had a stroke, is disabled, elderly and living on social security. I was half asleep as this man made his pitch so a few minutes later when my caregiver came in, I got up and asked her to go to the bank and withdraw the money. She even spoke to the man herself when he called while I was giving her instructions.

After my caregiver left, I had my morning caffeine and started thinking this thing through. I called my caregiver on her cell phone and couldn't get through. I left messages and kept calling until she called me back. She had withdrawn the money from my bank and was on her way to go to wire the money, but the man had not given her the instructions on where or to whom to wire the money. He had told her to call him from Western Union when she had the money. I told her to turn around immediately and bring the cash back to me.

Within thirty minutes, a bombardment of telephone threats began. The man I'd been speaking to had gotten into my online bank account and changed my password so that even I could not get in. He had my social security number, bank info etc. and threatened to "ruin" me. One woman called and said she was from the Sherriff's Department and would arrest me if I did not return the money.

I spoke with the bank and froze all my accounts and I couldn't even buy food or get my medications. Because I'm disabled, I couldn't get to the bank right away. I finally took a taxi a few days later and spent three and a half hours with a bank manager, closed my accounts (three out of four under $15.00) and reopened new ones. The check they had sent as my "loan" bounced and was marked as fraudulent. It came out of Santa Monica, CA and was a personal check marked crudely "pay for bill". It was endorsed with the same handwriting. I traced the phone calls back to Washington, D.C. but the phone company told me that it likely it then bounced to a call center in another country. Everyone I spoke to sounded like they came from India.

It has cost me a great deal of time and money straightening this mess out and I still have problems that need to be resolved. For instance, when I closed all of my accounts, I lost all of my bank records. It's a real problem for me not to be able to pull up old bank statements or Payee history, etc.

It's a nightmare that just won't go away. The only good thing that happened is that I kept the cash until I went to the bank in person and was able to cover the bad check these thieves put into my account.

I know it's a long comment, but I hope this doesn't happen to anyone else. If it does, report it to everyone you can think of, including the FTC.

Thank you.

took my am meds.

Oh boy,THOSE people!!! First, the same "loan" scam, then when they asked for money upfront, I said I was no longer interested & hung up. Shortly thereafter these scam artists called me back (the same day) to tell me they had withdrawn the 1st payment of $1,500 as per our "contract". What I'd really agreed to (before I realized I was dealing with scammers) was $150 monthly. I closed my account 1/2 hour later. They got no money. Soon however, I began getting threatening e-mails from lawenforcementunit@ ( free microsoft e-mail) someone was coming to arrest me from my local Sheriff's office, they have a warrant against me for money laundering, wire fraud, blah blah blah...I know my local Sheriffs...and of course there was no warrant, lawsuit, criminal...all baloney. Then came the calls from Copeland, Klein $ Associates in Lockport, NY...same nonsense...I told them I'd checked with the New York Bar Association, no such firm. They never called again.

Please report this to the FTC at ftc.gov/complaint, and to the state Attorney General’s office in your home state. The information you provide will go into a database that law enforcement uses for investigations nationwide.

Hi, I got an email from a dawn wilson says she(he,only been emails no call) can give me a loan and needed my info. Well i gave it to her. She sent a check to my bank and my bank is holding the funds since the 7th and to be available today.

Last email was i am to send her 2500of it for the loan fees and she then send the loan. I relied that i assumed that the 3850.00 was the loan. No it is not the loan she said.

When i explained that it was a savings account and would take awhile to be able to get that much out she said the time frame was to long and to go withdraw everything now! The bank is in another state from me and told her it was late (12:30am)and was going to bed. I was told to contact her in morning(yesterday).

At 5:29am there was an email from her to contact her now, i ignored it. Last night i received 2 more emails and havent replied. Havent even looked today. If by chance this is legite check and no paperwork or anything, she doesnt have my address or phone number, what can happen?

Even if the bank makes funds available to you, that doesn't prove the check is legitimate. Banks are required to make funds available in a certain amount of time, but it can take weeks to find out if a check is fake or legitimate.

This FTC article about fake checks explains more. Until the bank confirms that the funds from the check have been deposited into your account, you are responsible for any funds you withdraw against that check. If you take money out too soon, and then the bank finds out the check was fraudulent, you will have to repay the bank.

This happened to me now I'm worried I'm in trouble. Did you get into trouble

hi just went thru the same thing. And the bank allowed them to over draft my account. Now bank of america dont want to refund my money. So what can be done about this

Omg , what jerks that's such an ordeal to have gone through .I just wanted to say No one deserves such troubles especially the elderly. I firmly believe what comes around goes around God bless

Thanks to sammsmith for the detailed story. I'm really sorry you had to go thru that. I had a situation with a bank (nothing like this) where at first I clouded the accounts, had the same issue needing payee history, then reopened the accounts but froze the activity-denied all future transactions. That was supported by my bank. I have seen closed accounts reopened a month plus after closing. Hopefully this may still be an option. The banks aren't to quick to suggest options. You just have to ask. Good luck to you.

I receive a message for a person named Michael brown that tell me oil have a loan with them. And tell me them send the document at court and if I don't paid the amount of $1,000 I be arrest. And I tell them I don't take any money with ace loan or cash advance

The person who called might be a fake debt collector. This article tells more about fake debt collectors.

Sometimes a fake debt collector will say you have a debt for a loan you did not take. He might try to scare you to make you pay a debt you don't owe. He might threaten to have you arrested, or report you to the police.

If you know you don't owe this debt, you can stop talking to the fake collector.  Don't tell him your bank account number or credit card, or any personal information.

Im receiving emails stating that I'm entitled to claim an inheritance. Cause I have the same surname due to the entire family dying in a tragic car accident. Haven't asked for any $ yet or my info just to send back to the bank a letter of intent to claim. Do you think its phony?

If you get a call or email from someone you don't know, don't share your Social Security number, bank account or credit card number, or any personal or financial information.

Some scammers try to trick people by offering a prize or reward or inheritance before they ask for your money or information.

If you give someone your bank account number so they can "deposit your inheritance" they can take your money instead.

Good to know stuff

I let all calls go to my recorder unless I recognize the caller ID. This has reduced the number of scammers, I never talk to strangers anymore. If they never get an actual person, they move on to someone that answers every call. If they have legitimate business, they will leave a message. Most of the people I know now do the same.

I receive a phone call this morning from 732-645-3789. That's a New Jersey phone number. I have no compunction about putting this phone number out there because the two men I spoke to on the phone had zero problem with threatening me with arrest and detention if I didn't pay them almost $5,000 immediately because they were from the IRS.

They were, of course, liars. But, I was plenty scared.

I am also getting calls from Mark Brown, John Davies, Mike. They say I have loan and I am to send by Money Gram $770 or I will be arrested. They said I have till tomorrow. I am to call on my cell out side of walmart to them and they will tell how to send it to them. I am not going to do it. I was told it is a scam by the Better Business Bureau, FTC. They call 3 or 4 times a day. So I am going to block them.

These details would be useful in a complaint. Please report this to the FTC at ftc.gov/complaint, so we can add the information to the database that law enforcement uses in investigations.

Blog comments aren't entered in the law enforcement database.

I have a client who received mail from supposedly an agency he was supposed to get over a million dollars for research I told them this was most likely a scam. Has anyone else had this issue? He said it was Mayo Clinic

This could be a scam. Some scammers use the name of a well known group, or even pretend to be from the government.

Other signs of a scam: they ask you to pay before you get your 'prize,' or they ask for your bank account number so they can 'deposit' your winnings. If you give someone your bank account number, they can take your money.

You can learn more about Prize Scams in this FTC article

I recently meet someone on a dating site, spoke often by calls, txts and emails. They said they are a successful business man who had to be out of the country for a contract job. They have not asked for money but did need to deposit money into my account due to restrictions on amount permitted back into the US without filling out forms with FDC. I have received deposit and this person would like me to send money grams to several "employees" for completed the job. Should I worry this is a scam? I just cant tell....please any thoughts are welcome....

This story has some signs of a scam. To start, this person says he wants to use your bank account to get around the law.

Some scammers use dating sites to meet people and build up a relationship, then they start asking for "favors." They might ask to use your bank account, or ask you to make wire transfers.

If you give someone your bank account number, he can put money in and he can take your money OUT.  If you gave someone your bank account number and you're concerned about what he'll do, report this to your bank.

Well I was scamed by a man on facbook wanted to deposit money in my acc and he did mo ile depodit wanyed me to send it to his workers to a address in nigeria
I di d he se t more money a c it boiled down too I stoled his mo ey it had been gotton a d no I did t
I got threats on y life and fa.iley so he wrote hea kes thay came back forgery
znd it toom my mo dy z f a and now looki v at over two thousa d dollers im voi g to owe the bank what can I do

It sounds like he gave you a fake check. Read the article about Fake Checks for ideas about how to avoid this scam. Most important: don't deposit a check from someone you don't know.

Federal law requires a banks to give you money within a certain time when you deposit a check. But the bank might give you moeny before it finds out the check is a fake. It can take weeks to investigate and learn a check is fake.

You are responsible for the checks you deposit. If you deposit a fake check and take money out, you have to repay the bank.

If you used a wire transfer company to send the money, call the company and tell them the name and address of the person who called you.

SHOULD I BECONCERNED IF MONEY WAS TRANFERED INTO MY ACCOUT AND A REQUEST TO SEND MONEY GRAMS TO few different people? No money has been taken out of my account so I'm very concerned this may be a scam....

If you give someone your bank account number, they can transfer money in, and they can also take your money OUT.

If you get an email from someone who wants you to receive money in your bank account and then send a wire transfer, don't reply. Some scammers pretend to "hire" people to help them transfer money outside the US.

If you gave your bank account number to someone you don't know, contact your bank and ask how to protect your account.

If you didn't give out your account number, and someone is using your account without your permission, contact your bank and report it.

I applied for a personal loan and this company contacted me back by phone and even sending text saying that I have been approved.

I contacted the company and was sent an email with the loan information. I was also told to pay wire transfer fees in the amount of 207.82 that will be refundable.

Is this a scam? The letter is signed as: Thanks and Regards Danial Gray (C.E.O.)

Sr. Loan Officer Allen Foster

Advance America Pay Day Loan

+1(716)406-4610 Website:- www.advancepersonalloan.com Regulated Loan License # 1299-11384.

Don send a wire transfer or pay for a loan. A legitimate lender won't tell you to pay before you get the loan.

Read the article Advance-Fee Loans to learn more about signs of a loan scam.

I signed up for mystery shopper Walmart & wester Union I just recvd a $2690 check with instructions to cash keep 200 & use remaining 2490 to transfer money using western union then send email to mh85589 with evaluation report. Letter is from task coordinator Mary Rogers 251-207-3628 how do I know if legit

This sounds like the mystery shopper scam, when a con says you're “hired” to evaluate a money transfer service, like Western Union or MoneyGram. They send you a check, tell you to deposit it in your own bank account, then withdraw cash and wire it to someone.

But -- the check is a fake.

Banks have to give you funds from a check you deposit within a few days, but it can take weeks for the bank to uncover a fake check. It may seem like the check cleared and the money is in your account, but if the check turns out to be fake, you have to repay the bank all the money you took.

This article has more about mystery shopper scams.

You can report this to the FTC at ftc.gov/complaint, and to the fraud department of the money wiring company.

Could u check into John McDonald. been sending him over $5800.00. now he said he is sending $5000 this weekend sent money. to Nigeria, next is Commander.David J McKiernan sent money to Qatar. $900 over that much

Don't ever send money to someone you meet online on a dating site or other social site. This FTC article explains Online Dating Scams.

Scammers create fake online profiles. They use photos of other people, and even steal the pictures of real military personnel.  They say they want to visit, but first you need to send money to pay for travel, or fees or some emergency.

Don't send money by wire transfer. If you wire money, it’s almost impossible to reverse the transaction and get your money back. It's even harder to get money back if you send it overseas.

If you think you talked to a scammer, please report to the FTC at ftc.gov/complaint. The information you report will go into a database that law enforcement uses for investigations.

If you used a wire transfer, contact the wire transfer company and tell them the name and location and other details about the scammer.

The European policy in favour of consumers aims to safeguard the health, safety and interests of consumers, as set out in Article 169 of the Treaty on the Functioning of the European Union. This policy promotes consumers’ rights to information and education, and their right to organise in order to defend their interests.

I was called yesterday and was left a message saying there has been a claim against me for a loan in 2013 for $300. I go back and check my bank statements from 2013 on those dates and no deposit of $300 was made. Then I asked to speak to someone about it, a manager or supervisor from which I was getting a call for and they tell me that it wasn't for the loan they gave me but for JUST APPLYING FOR THE LOAN, THEY CAN CHARGE ME INTERESTS. So I don't receive a loan and they're trying to charge me $630 and if I decline that I will get served with court papers and fees can be up in the $2000.00 range. So you want money from me for just filling out a form? They try to tell me that in the small print they have the right to charge interest...I'm not sure what to do.

This could be a real debt collector. A legitimate debt collector has to give you written proof of the debt. He has to send you a written “validation notice” telling you how much money you owe within five days after he first contacts you. The notice has to include the name of the creditor you owe, and what to do if you think you don't owe the money.

These FTC articles tell more about your rights when it comes to real debt collectors.

Or, this could be a scammer pretending to be a debt collector. A fake collector could know some things about you like your bank account number or loans you applied for. A caller may be a fake debt collector if he:

  • wants you to pay a debt you don't recognize
  • won't give you a mailing address or phone number
  • asks for your personal or financial information
  • tries to scare you into paying, by threatening to have you arrested or saying he'll report you to law enforcement

If he calls again, tell him you want written proof of the debt. If you get that, you'll have a better idea about what to do.

A scam artist got me on Facebook. Claiming to help those in dire straits, she could deposit funds into my checking only if I mail my debit card overnight. I declined and she suggested wiring funds via Western Union adding a zero to whatever I sent. I did and no funds, no return calls, and her Facebook page disabled.

So I think I have been scammed from a mystery shopper ad. Is there any way I can be compensated for my Loss. I checked the bank website on the check and all said ok I called the bank and they even told me yes the check cleared so after a week I thought all was ok. Turned out not. I've lost my money. I filed a complaint with FTC and state attorney generals in my state and the other persons state. Is there any way I can get help? Does anybody know please help ? So mad!!

Dishonest promoters use websites and email to get you to think you’re signing up for a mystery shopping job but then it turns out you have to pay a fee. Or you have to deposit a check and wire them money. Find out more about mystery shopping scams here. This article has more about mystery shopper scams.

A guy named Michael Lothar sent me a contract approving a loan. Since I did not have collateral he was going to arrange a small loan that one of his financiers would include a bank guarantee. He would send me money and I was to forward it to a bank in another country. He did not send the amount in the contract it was only a fraction. He said that he had to send it in increments and I was to follow the instructions and keep forwarding it. Something tells me that I would be part of a scam and while I would eventually not get the loan but the money being wire to me was from some poor soul that will never get his money back. I am so confused

This shows signs of a scam: someone you don't know asks you to deposit checks (maybe using your own bank account) and then send money to another person you don't know.  You don't know where the checks are coming from, or who is getting the money.

If you deposit a fake check and send money before the bank finds out the check is are fake, you'll have to repay the bank all the money.  You'll be responsible for depositing a fake check.

If you need money to pay your bills, you can contact the companies you owe, or talk to a credit counselor. This FTC article has information about coping with debt.

Im a fool. I got a call saying that bc I was an outstanding citizen, I was being rewarded $9,200. They said it was from the ARRA. American Recovery Reinvestment Act of 2009 from Obama. I was given an #ID and told to call 347-983-0304 and give the recieving end the #. i was told it was a "no-application grant" being rewarded to only a select 1,600 or so citizens. The man was foriegn and spoke in broken English but he made it sound so official and had an answer to every question I asked. He then told me i had to go get a money gram from Walmart, the Dollar General or CVS for $210 reassuring me that it would be reimbursed. He walked me through everything. He had me send the money gram to a Michael Hester in Largo, FL.33770. I did everything he asked. Then he tells me I should have my check for $9,410 within 2h 47m delivered to my door. Thats when I realized Id been tricked. No gov. agency is gonna hand deliver a check to my house at 9:30pm. Today he called back saying bc I live in PA that I have to pay another $567 bc of a "state-to-state" transfer. Said he would even pay $100 of that fee for me. He said I had to send another money gram. Thats when he hung up on me. Called me back saying I did, not him. Then he and I kept going back and forth. I said I wanted proof this time. He said there is no way to send me proof! I told him I think he's scamming me. Hung up on me. Called me back AGAIN. He played the hang up/call back game at least three more times. Finally, I read him a scam compkaint letter from another person who got the SAME bs line that I got and thats when he finally hung up and did not call me back this time. So now I am out $210! These guys should be in jail!!!!

These are useful details for a complaint. Please report this to the FTC at ftc.gov/complaint. The details you give go into a database that law enforcement uses for investigations.

You can also contact the wire transfer service that you used and report what happened.

a guy wants my banking info said he will depoist money in my account then wants me to western union him his share this is the banking info he wants what should I do?



If you give someone all your bank account information, he can take your money. Just because he says he will give you money, doesn't mean he really will.

If someone you don't know wants to use your bank account, don't do it.

He could send you a fake check, and tell you to take money out before the bank learns that the check is fake. When the bank finds out the check was fake, you'll have to pay back all the money.


got a call from 8765282904 they are from jamaica scammers and rude

This person will contact you via text requesting your services for x amount of money, they will agree to anything you say and will pay even more but, then they will ask you for a favor, to make a deposit from those founds to another person once the founds are cleared. BE CAREFUL... NUMBERS ARE 612-213-5927 AND 612-405-2594

Guess these guys continue to find targets because they are still at it after all these years. Could barely understand the thick accent as he plied me with $9200 in free money. Yeah, right! Current # being used by these thieves: 347-983-0304. Relentless even after I told him I worked for the gov & asked him for a contact office & physical location. Elderly father-in-law fell for a similar scheme. Thanks to alert bank officials who thwarted those efforts as he was attempting to transfer funds. Phone threats soon followed. Have this conversation with your elderly loved ones so that they are not caught up in the emotional battle & understand that this is only a scam!!!

My family and I got scammed mon is December2015. Yes right before Christmas. We are moving to Florida so I looked online for a house this gentleman calls me and says that he owns a house and then he dropped the rent from 1550 to 900. At first we sent him $200 and then we sent him $1600 and we did it I am Money Graham that's a lot of money to be scammed out of and I need to know if there's anyway possible to get it back I don't know if this is the new scam or I just never heard of it before what can I do anything for Christmas was totally ruined I have triplet girls and two grandbabies and nobody got anything for Christmas because now we have to look for another house to rent which is more money to put down so if you could help me do anything I would greatly appreciate it thank you so much

Once you send money by wire transfer, you probably will not get it back. You can report the scammer to the wire transfer company, and to the website where you found the ad.

You can contact your state Attorney General’s office, or state and local consumer protection agencies.

This page from usa.gov has information about services to help you find a home. You might find some agencies that can help with affordable housing.

A man contacted me wanting to assist me with getting my children Christmas. Then it turned to you are special I love you all that now he has my account info and has deposited money but wants me to send to his client. From Wal-Mart western union or money gram he is in Washington

Thanks for your comment. This sounds like a scam.

If you give someone all your bank account information, he can take your money. Just because he says he will give you money, doesn't mean he really will.

If someone you don't know wants to use your bank account, don't do it.

He could send you a fake check, and tell you to take money out before the bank learns that the check is fake. When the bank finds out the check was fake, you'll have to pay back all the money.

You also might be interested in reading our blog post, Faking it — scammers’ tricks to steal your heart and money.

Please help, i sell jewelry by catalog and online, i get this e mail from some one who wants to buy from me, she ask me if she can pay by check because she doesn't want to use any credit card information, i told her yes she can do that, but I need at least 3 business day's for my bank confirmed the payment, she agree on that and ask me for my address to mail the check and she also make and order, today i resive this weird email : "How are you doing ? Am so sorry i could not reach you on time, My son fell down from the second floor of the building and he was rushed to the hospital and i was unable to issue out the check...So i have to instruct my debtor to issue and mail out the payment to you because i dont want any delay in this transaction....I had just read from my Debtor,that there was a mistake,because he informed me that he sent out all the amount owing me instead of him to send you the amount for the Item am purchasing from you , I was so mad because i don't know if my money will be safe with you when you got it , I want him to send the remaining of the funds to my art work seller for the art works i needed, but there is nothing i can do ..Am counting on your support , Once you receive the payment kindly deduct the cost of the oreder ans $50 for your self..for any inconveniences i might cost you toward the transaction and wire the left funds via Money Gram to my Art work dealer. I will provide you the info where to wire the left funds to once you might have received and confirm the payment.

1. Can i trust and have confidence in you ?

2. Can you wire the rest of the funds to my Art work dealer via Money Gram or western union ?

Get back to me immediately you received and read this mail

I will always count on you."

I didn't answer, I honestly think is really weird and the fact of ask me to wire the money and offer me to pay for the inconvenience, why just don't cancel or void the check???

This sounds a lot like a fake check scam. That happens when someone offers to pay you for a job, or buy something from you, and then they send a check for too much. They ask you to deposit their check, keep your part, and send the rest of the money to them or a third person.

If you deposit the check, the bank will give you the money in a couple days, but that doesn't mean the check is good.  It can take weeks for your bank to find out a check is fake. If you already withdrew money, you have to repay the bank for the fake check.

This FTC article about fake check scams explains more about the scam and ways to protect yourself.

A nice young man decides he wants to talk to me. He calls me, we talk for sometime. He tells me he is a multimillionaire. He gives me his banking information(not sure if its his). Encourages me to pay a few bills, call him with the confirmation numbers for him to approve at the bank. Then he has me call a corporation to put me on his account to get money from him daily. Sounds fabulous until I have to give personal information & pay collateral on each hundred he approves. The collateral money must be wired and I provide the confirmation number. I purchase a specific reload credit card supposedly get money transferred to that card daily.
The transfer is local, appears he wants to take care of me but something doesn't seem right.

You're right to ask questions about this.

If someone you don't know  - or just met - asks for your personal information or your money, it could be a scam. You say this person wants your personal information and he wants YOU to pay collateral so HE can get money. Those are danger signs of a scam.

Some scammers trick people into helping them commit fraud against a bank, or other victims. You might think you're helping, and end up in trouble. 

Hello I met a woman online. She told me to send her my debit card over express mail so a transfer process through my debit card can be made..she instructed me to have zero dollars to assure me it wasn't a scam. She said I would have 8500$ dollars deposited and mailed back the next day through express mail. Is this also a scam???

If you send your debit card to someone you met online, you can't know what they will do with your card or your bank account.

There is a scam called card cracking. A person will ask you to let them use your account. Maybe they will ask for your debit card, or maybe for your account number. After they get access to your account, they deposit multiple checks and then quickly withdraw the money. They might use an ATM or money orders. They want to get the cash before the bank figures out the checks are phony. If someone runs bad checks through your account, it is fraud, and you're in the middle of it.

I man contacted me stating to be from a loan agency. He told me I was approved for a 1,000 loan. So my friend let me use her bank account he put 398.00 in her account and told us to wire the money back to him before I can get the 1,000. The lady at the bank told us to close that account down cause it was fraudulent and that the money he put in the account we can spend it . now they are asking us to put the money back in the new account. What do we do? Help please

Some scammers will send you a check, and tell you to deposit it, and then send money to them right away. That can cause you problems.

When you deposit a check, the bank generally must give you some of the money within one day. But just because the bank gives you money doesn't mean the check is good. If you deposit a bad check, it can take time for the bank to find out. When the bank does find out the check is no good, you will have to repay the bank.

I've already reported one of these so called companies... But I put up an ad on Craigslist looking for a private lender to assist. Funds are tight and we're having funds issues.
I am now at 30 different scammers and counting. 15 of them asking to wire a "fee" through western union or money gram. One went so far as to send fake loan paperwork and fake ID. He keeps calling my cell phone and hanging up on me. Three of them recently are now saying if I give them my bank infotmation that they will deposit money into my account, to show the lenders that they're serious about giving me the loan. One of these hackers has already submitted information to Equifax saying I have duplicate loans out with them when I don't. How can I report this?

This FTC article explains how to dispute errors on your credit reports.

If someone has your personal and financial information and access to your credit reports, you may want to monitor your credit reports in case they misuse the information. This information from IdentityTheft.gov lists warning signs of identity theft. If you notice any signs, you can return to IdentityTheft.gov for help responding to problems.

Will the scammer come after u if u got there money back and u were told not to talk to them again what should I do I'm scared

I'm not sure why you think you had a scammer's money.

If a scammer told you to wire money to him, and you wired it but then cancelled the wire transfer, you kept your own money. You didn't have his money.

If a scammer sent you a fake check and told you to deposit it and then send him money, he was tricking you. He was trying to make you send him your money before you found out the check was fake. If you deposited his check and sent him money, but then cancelled the transfer, you kept your own money. You didn't have his money.

Ok,I have been talking to this guy for awhile, and yes I sent him money shouldn't have but did. Ok he said hr has a friend that needs help and his friend is going to send me cash and they want me to send it somewhere else I got to send part of it but the other part was declined to be sent. Mind u it was all cash, their cash. So I didn't send the rest. The transfer place told me they were probably lying to me, to get me to send this money. Now I have this money and now I am getting text messages from a so called FBI agent. And they are gonna press charges on me for money laundering cuz I'm not send the money to them. Idk what to do? Please help!!!!

You can call the FBI yourself at 1-800-CALL-FBI (1-800-225-5324). You can talk with FBI staff who understand this scam, and can advise you on what to do.

The text messages from the "so called FBI agent" may be from the scammers. If you call the FBI yourself, you will know you're talking to the real FBI.

I can't believe the thieves are bold enough to use a real company name. I've done battle with scammers pretending to be collection agents for overdue loans from Ace Cash Express. (Beware of these numbers 347-584-4584 and the ring leader griffin at 210-202-0571.) They have your home address/work number as if you had an contract with them. This guy griffin gave me the color of car I drive. With the fear of being arrested within an hour? I agreed to wire him $1198 out of the $1245 that he originally requested. "Doing me a favor!" Lol. When it got to the part when I asked for my account number? He responded with "just use your social security number!" I refused to go any further. Within 10 minutes or less a woman called from the Alameda Sheriff Dept. stating that she had an warrant for my arrest and I better take care of the debt right away. I told her that I would inform my employer and hung up. Nothing happened. But be careful because this group doesn't give up. Every other day a new caller tries to collect. Even using an Robocaller. This must be big. Can you tell how it's possible for the scammer to have so much information about you? Also How/why are they so sure that they would receive the wire? It's an inside job. Does anyone know how to expose this kind of gangs? Ace Cash Express is aware and doesn't support this group but doesn't seem able to stop them. The thieves are very canny. Be careful don't even talk to because once you've opened the door? They'll never leave you alone. Take care.

These are useful details for a complaint. You can report this to the FTC at ftc.gov/complaint.

I fell for the same scam with Ace. I was sick and wasn't thinking. I released later after checking online how stupid I was. I should have listened to myself. I still have the funds he deposited in to my account. I didn't send John Adams with an Indian accent his $500 via Moneygram. Instead of closing my account I changed all my login information and security questions. I kept all the emails, phone numbers and such just in case. I did report this the NJ Division of Consumer Affairs and the FTC.

We're they able to take money from your account.and what happened.I think I'm in this same situation.Aram

Have you heard of any scams involving George Straight??

Im selling my car on craigslist for 1200 buck a guy texted who was intrested saying hed send a check and have a guy come get the car .. But not until his check cleared in my account i have recived the check which was over a grad more than i thought it was gana be what should i do cash it and let it clear before i let him take car? Should i report him should i rip up the check i dont know what to do iv heard of people doing this and asking for the diffrence in the asking price and the check back

Some scammers send a check for more than the asking price and ask you to send money back. Other people have written comments here about selling cars, and having a 'buyer' say he wants a 'shipper' to pick up the car.

It takes time for a bank to find out whether a check is good, but the bank has to give you some money within a few days. If you take money, and then the bank finds out the check is no good, you'll have to repay the bank.

I was looking on Craigslist for a loan I called a number and a man answered this is the email he sent me

Yes ,You are require to fund it legally ..NO cash or credit is needed from you to start ,i will mail a check payment to your physical address to validate your loan officially ,then you will have access to full loan accommodations .

Cash it then send PART out for legal process of Documents and procedures meaning first Insurance ,Then you have access to 60,000$ and below for a start . Also for the record ,below information's is needed to process your Loan account. 1:Names:... 2.Physical Address... 3.Requested Amount :.... 4: Duration:.... 5: Valid Phone #:..... 6.D.O.B 7.Email Address........

Do you think this is a scam. He sent me a package but it couldn't get access to it FedEx wouldn't release it I told him and he said he would send me another one that he was mistaken for somebody else.

This could be a scam. The person might be trying to get you involved in transferring money. This blog has more about scammers who pretend to hire people.

ohk I have this chick who is trying to wire me money and all I have to do is send her my debt card and she says I should get it back in three days and ill receive a good amount of money for three days and she will send me my card back she didn't ask for no account information nothing not even a pin number I'm nervous if I should send my card or not I know I can cancel it if I don't feel like its legit but will it be to late by then

If someone you don't know asks you to give them something valuable (like your money, bank account number or debit card) and promises to repay you later, it's probably a scam.


thank you very helpful comments

Can someone scam you with a bank of America account? Meaning if I deposit an amount into a bank of America account and then not receive the item that I am paying for is there a way I would be able to get it back if I had a receipt?

If you put money in someone's account, but they didn't give you what they promised, you probably need to contact that person and ask for a refund or for the thing they promised. You could  file a complaint about them with a consumer protection agency. You could contact the bank and explain the situation and ask if they can help.

I have received to separate calls after I applied for a loan online. The call goes something like this:

Them: I see you applied for a loan online. I am here to help because you have been approved for $xxx.

Me: Great.

Them: How much were you interested in?

Me: $xxx

Them: Great. I have your information here. Your bank account # is xxx. Your ssn is xxx. Your employer is xxx. OK, so the first thing we need to do is I will transfer $xxx into your bank account. You will then need to withdraw that amount and wire back to us to show that your bank is valid and you can make your payments.

Me: I said thank you but no thank you.

I then hung up. I am positive that this is a scam. I don't remember who they said what company they were but I am warning others. Don't fall for this one.

My father has been speaking to a woman who originally claimed to be from the UK. She tried to come to the US for a "visit", but was turned away at the airport due to a 10- year ban. Now she is living in Portugal with her mother because "she quit her job and gave up her apartment" (for a VISIT?) and had nowhere else to go. The woman dictates what he can and can't do, who he can talk to, what he can spend his money on. Now she's receiving $200 a month by Western Union for "rent and internet money" because she "can't get a job because she doesn't speak Portuguese." even though she's been living there (presumably illegally) for about 3 years now.

Is this a Wire Fraud case or something else? It's some kind of fraud, but I'm not sure what to call it or do. Help?

Ok I met a guy online and we have been talking a while. I don't fall in love in a matter of days, however he i Has told me he loves me and seemed very concerned about helping myself and my children through financial difficulties.

He is supposedly contracted through the military and over seas and seems genuine enough however when I told him I needed a few hundred dollars, hee offered 5,000. He said he wanted to help. Ok so I'm not 100%sure how a transfer works..but he put me in touch with his "bank manager", who supposedly handles his end of transfer first and is responsible for collecting my account information, which I reluctantly provided.

A day later..still no transfer..no money received. He asks me to show proof of identity to complete the transfer. He wants me to provide a scanned copy of my ID online. I don't know much about this. Is this common? Am I being scammed? I feel uneasy at this point.

If you give someone your bank account number, they can take money from your account. If you give them your ID, they can use it to commit identity theft against you.

Some scammers use people to help them transfer stolen money.  The scammer develops a relationship with someone online, and asks their new sweetheart to accept a deposit in her bank account, and then transfer part of the funds. The scammer might have deposited stolen money, or might have sent a fake check that will bounce later and leave you responsible.

If you get involved with one of these schemes, you could lose money and personal information, and you could get into legal trouble.

I answered for a job and got an email that I'm the chosen one and they are hire me for the job, they will send the details and plus the first check to cover the first week plus an amount I have to transfer for a painter. I received the check from their "financier" and the whole story failed when they said I have to transfer the money by MoneyGram..I started to feel fishy the whole story. If a company cover a job 100% they want an invoice for their tax! But in this case no tracking trail back. Here the mobile phone number but I'm sure they will not use it anymore: 346-800-3791. Plus the person I talked on the phone sounds to me african accent..So the whole story felt fishy. I teared the check and garbage I just wants to give this info for those who have the same experience. What a world filled up with cheaters!! Be careful!

Beware of 346-800-3791 !

About 6 months ago I started working at home for this company called New-Suit. The lady I was a virtual stylist assistant for wanted to start her own eBay clothing store. She wanted me to be the CEO since she would be back and forth to Turkey to buy clothes she wanted me to open a business checking account in my name. She went ahead and used my info to attain an EIN number. I stupidly opened an account and gave her the bank info for it. She herself deposited two large checks in the account before she left for Turkey. She wants me now to wire her most of and then keep a smaller amount for myself for commission. I think I got scammed and I don't want to send the money because I'm afraid of what will happen to me if those checks come back bad. She says they are from investors and promises they are good. Since I won't wire to Turkey she wants me to wire to her friend in the states. I'm still unsure. Now she is getting upset with me and thinks I'm trying to scam her and that she is stuck in Turkey until I send the money to her friend so she can wire to the woman in Turkey. Someone help!! I've talked to the bank and am thinking about contacting a lawyer. I just want the money to go back where it came from and close the account and get rid of the EIN. Any suggestions??

I think you are saying that you opened a bank account in your name, and gave someone the bank account number. She deposited checks in the account, and wants you to withdraw money and send it to her. That could be a scam.

Some scammers recruit victims with job ads that seem like they’re for legitimate jobs, but are not. Scammers post ads for imaginary job openings for payment-processing agents, finance support clerks, mystery shoppers, interns, money transfer agents or administrative assistants. At some point, the scammer asks for your bank account number, or tells you to open a new account. The she sends instructions about transferring money. If you get involved with one of these schemes, you could lose money and personal information, and you could get into legal trouble.

You can ask the bank for information about the checks you deposited. It can take several weeks or even longer for a bank to find out a check is fake. It's good to be cautious about withdrawing money.

If you want to find a lawyer, you could use this state-by-state list from the American Bar Association, or visit this site from the State Bar Associations.

If I waited until the bank is absolutely sure that those checks are good then send her all the money and close the account, I should be ok right? I will have to deal with her messaging me numerous times throughout the day but I'd rather have that then have legal trouble. She claims she can't come back to the states until she gets that money. Makes no sense to me why she even put it there in the first place.

Your bank can tell you more about your responsibility for the account.

I applied for a loan through a lending website and I got a call that I had been approves for a loan through cedarcreekfinancing , Sams amount that I applied for (8,000) only have to pay 197 a month and pay 574 up front for a 3 month in advance payment because of my bad credit and they want it through western union. I was going to do it but then I read about loan scams on the western union website. Should I trust this?

If someone tells you to send money before they will lend you money, it could be a scam. And if they tell you to use a wire transfer service like Western Union or MoneyGram, it's even more likely to be a scam. If you send money by wire transfer, you can't trace it and you can't get it back. It's like giving someone cash.

This FTC article about loans that ask you to pay a fee in advance lists warning signs of a scam. Look at the warning signs, and think about what the "lender" told you. If it seems like a scam, don't get involved.

I was a victim of a housing scam last week. A man called Michael Lofton ((435) 237-0814, mic_lofton@          ) was supposed to lease an apartment to me. After all agreements were completed and the house was seen, he was supposed to send me the keys and lease but asked me to pay first.

He charged me a total of $1200 and asked me to wire it into Bank Name: Bank of America(BOA) Account Name: Marthamae Bethram Account Number:32507855xxxx Account Type: Checking Account

I ran into some issues with that account and he gave me another one: Yvette A Gaines (Bank of America) Account number -32507104xxxx Routine number -12100xxxx. Email address -- Yvette.gaines.mahmoud@    . Or send a wire to Belinda Jensen in Fowler, CA through Western Union. After the payments were made, he completely disappeared.

what happens if someone wants to wire money to your account? do you have to give them any bank account info?

If someone you don't know wants your bank account number, it could be a scam. If a person says he will wire money to you, the money could be stolen. He might ask you to receive money, and then send the money to someone else. You might be helping someone with a crime.

If you tell him your bank account number, he can take your money. He might say he will deposit money, but he can take money too. If someone you don't know well asks for your bank account number, don't tell them the number.

What if you have a friend that meant a man that states he is in the military and is overseas and at first she would send money to him to Ghana but he was in Japan at the time. And now your ffriend is asking you to send money to him athrough Diploma with different names but under your name and not hers. What happens to you? Do you get jail time. You know its a scam but she just wont listen to you or anybody. What happens to you. Since your the one sending the money and not her. Its under name not hers. Your just doing a favor for your friend that wont listen to you to STOP!

If a scammer wants to send or receive stolen money, he will ask someone to do the dirty work for him. He might develop an online relationships and ask his new sweetheart to transfer money for him. Law enforcement calls the victims who do this money transfer work "money mules."

If you get involved with a scheme like this, you could lose money and personal information, and you could get into legal trouble.

  • Go to Kroger ,walgreens,or rite aid, Write your name where it says"RECEIVER name" on a western union paper . Write ANY name where it says "SENDER name" cause you don't need an I.D. to Send money.... you send $290 to yourself & to your city & state.after that they will print you out a receipt with your reference number ,(BY ME WORKING FOR WESTERN UNION), I will add a zero to your $290 making it $2,900 in 30 seconds. Then You take your reference number to a different western union and pick up the $2,900& send me $950 back. We'll be on the phone the entire process

This is message I received on fb. Almost sounds plausible bc I'm sending money to my own name but of course this is illegal. How are they able to scam me when I'm sending money to my own name. Are they just scamming western union

It's hard to say how the scam works, but it does sound suspicious. If you answer a message from someone you don't know, or send money because of a message from someone you don't know, you're taking a risk. You could end up losing money and personal information.

I have been trying to sell a fridge online. A person texted me and asked me to email them. They wanted me to put a check that they were sending me in the bank, and then wire the rest of the money to their "movers" who are supposed to pick up the fridge. I said this is fishy. I told them that when I receive the check I will either shred it or send it back to them.

My parents have been involved in sending money to sell their time share. They now feel an investigation bureau has awarded them their money back. They have set up a bank account without in money in it incase they are actually going to send them the money. Im telling them they can still put money in this account and then pull it out and they will be responsible and that they can still steal their identity. They think by sending a number for an empty bank account they are safe.

A man began chatting with me on POF.com, and recently we have been communicating but not on Plenty of Fish. He has been asking me for my bank information, and he tells me his house has been flooded. He says it is important. I have not given him anything! And he is not getting it. (This has happened in the my past, and I do not want a repeat of a past mistake. ) So if he feels the need to keep moving, then he can do that.

I had applied for loans online and I new that I had bad credit and I always get denied and then I received a call from advance America which told me I was approved for a loan of 5.000 dollar and that it would be in my account the next day they had all my info SSN. Date of birth.account.routing number. Anyways the next morning the Indians called me at 7:00 A.M and said the money is in your account and I called and their was 890.00 dollars in my account and they said go to Walmart and buy a money gram and send the money back and they would deposit 5000 because my credit score was below 700 and the 890.00 would instantly boost my credit score so I was very happy. So I jumped up didn't even wash my face or brush my teeth and ran to the store and brought a 100.00 dollars worth of groceries then I called in a payment to the light company. And to make a long story short when I got finished their was nothing left and when I got back home their was 20 calls from shall I call them the perpetrators and at that moment the phone rings and I answer it and the guy says you need to send the money to us asap. And with a sandwich in one hand and a tall ice cold beverage in the other I told him that I decided to keep the money and that I'd rather pay the money back to the bank than to be flimflamed by him. O I've never heard a loan agency use the kind of language he used but I got my loan and the bank worked with me on paying it back

Someone want to send me money from USA I'm in SA, $500 I meet him on dating site is it scam?

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