Consumer Alert
Money Transfers Can Be a Risky Business
've won a prize!
I'm abroad and need cash.
At the moment we can not accept credit cards.
The apartment of your dreams is available immediately at a great price!
Con artists use a number of elaborate schemes to get their money, and several of his tricks involve money transfers made through companies like Western Union and MoneyGram. As reported by the FTC (Federal Trade Commission FTC), the national agency for consumer protection, money transfers can be useful when you want to send money to someone they know and trust - but when dealing with an unknown, totally inappropriate.
Why Scammers pressure people to make money transfers? In order to take the money before the victims realize that they have been deceived. Usually there is no way to reverse or cancel the transaction and trace the money. Another reason: When you wire money to another country, the recipient can withdraw it at multiple sites, and therefore it is almost impossible to identify or keep track. Sometimes agents may receptors money transfer company complicit in fraud. Make a money transfer is practically the same as sending cash - there is no protection for the person who sent the money.
Often, money transfer scams involve dramatic or compelling stories that seek to take advantage of his optimistic spirit, altruism or frugality. But whatever the case is analyzed, it always ends up costing money. These are some of the scams that involve transfers of money you can identify:
Counterfeit Check Scams
Someone sends you a check with instructions to deposit it and will transfer a part or all the money. By law, banks must make available funds deposited checks within a few days, but to discover a fake check can take weeks. You are responsible for checks you deposit in your account, therefore, if the deposited check is found to be fraudulent, you will owe the bank money on the deposit has been withdrawn.
fake check scams are some variations:
Lotteries and Sweepstakes: It just won an award from a foreign lottery! That's what the letter says is accompanied by a cashier's check. You only have to deposit the check and transfer an amount of money to pay taxes and cover some charges. Oh, be careful!: The check is fake. Although it looks like a legitimate cashier's check, the bank will end up determining that it is a counterfeit check. The tactics of the lottery is a gimmick to convince you that you made a transfer of money to a stranger. If you deposit the check and transfer the money, the bank rejected the check - and you will be responsible for the amount of money sent.
Overpayment Scams: Someone responds to an advertisement posted by you, and offers to send a cashier's check, personal check or company to pay for the item you are selling. At the last moment, the assumption purchaser (or "agent" of the buyer) argues for an excuse to write the check for an amount exceeding the purchase price and asks you to wire the difference. The checks are counterfeit, but often the quality of fakes is good enough to fool bank staff. Acting in good faith, you deposit the check and the funds are transferred to the "buyers." Oh, be careful!: The bank rejected the check. You are responsible to pay the amount transferred.
Buyer Scams Undercover: The buyer hired as undercover (mystery shoppers) and asked to evaluate the customer service company transfers money. He delivered a check for deposit in his personal bank account. Then tell him to withdraw the amount in cash and transfer it through certain money transfer service. Often, the instructions tell you to send the transfer to a person in Canada or another country. Then asked to evaluate their experience - but no one collects the evaluation. Oh, be careful!: The bank rejected the check you deposited. You are responsible for money from your account.
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Other Money Transfer Scams
Online Shopping Scams : If you are buying something online and the seller insists that the only acceptable payment method is a transfer of money, consider it a red flag: Ask to use another method of payment, a credit card or an escrow service. Whatever story you tell the seller, if he insists on paying via a money transfer can be considered as an indication that you will not receive what you buy - and that can not recover your money. Find another vendor.
Advance-Fee Loans: Ads and websites that guarantee loans or credit cards regardless of credit history may seem tempting. But the moment you open your eyes get big when you apply and find out you have to pay an advance fee. If in exchange for the promise of a loan or credit card has to make a money transfer is likely to be dealing with a scam artist.
Family Emergency Scams: You get an unexpected call from someone claiming to be a family member who needs money to get out of a problem - whether to repair a car, or out of jail or a foreign country. This person asks to be allowed to transfer money and tells you not to tell anyone. Check with your family history. You may not know anything about it. If you are absolutely sure you can not ignore the request from any point of view, try to verify the identity of the caller asking very personal questions that a stranger could not answer. And keep trying to communicate with the family to verify the story.
Apartments Rental Scams: There are some scammers who take real listings of rental properties, change the e-mail or other contact information and ads placed on other sites modified. There are con artists who invented directory listings of places that are not rent or do not exist, and try to arouse their interest by promising rent at a price below market value. But once it does get your attention, an experienced scammer asks you to transfer the amount of an application fee, a security deposit or the amount of the first month's rent. Never a good idea to send money to someone totally unknown to rent an apartment that he never visited. If you can not meet personally with whom he has an apartment, if you can not visit the apartment, or signing a contract before paying, keep looking.
If you have already transferred money to a scam artist, call the transfer company of money to report fraud and filing a complaint. You can contact the claims department at 1-800-MONEYGRAM MoneyGram (1-800-666-3947), or the claims department of Western Union by calling 1-800-4481492. Request to nullify the transfer. Is unlikely to be reversed or abort the transaction, but it is important that you request. Then file a complaint with the FTC. Visit www.ftc.gov / complaint or call toll-free access 1-877-FTC-HELP (1-877-382-4357), TTY: 1-866-653-4261.
The FTC works for the consumer to prevent fraudulent, deceptive and unfair and to provide information to help consumers spot, stop and avoid them. To file a complaint or for free information on consumer issues, visit ftc.gov / English or call toll-free, 1-877-FTC-HELP (1-877 - 382-4357), TTY: 1-866-653-4261. The FTC enters consumer complaints into a secure database and investigative tool called Consumer Sentinel Network ( Consumer Sentinel) that is used by hundreds of agencies of civil law enforcement and criminal United States and abroad.
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