Wednesday, February 10, 2010

Is it a Job or a Scam to Steal Your Money?

As a mystery writer, I am always on the lookout for crimes against person or persons. I didn't know that this time the target would be someone close to me. Here is an example of what they will try to do. Unfortunately, this is not fiction.

They are getting creative out there, folks. As bad as the economy has been, there is always someone to take advantage of those in need and out of work. Consider this real case. Shawn had been out of work for almost a year and collecting unemployment. Everyday she went online and sent out resumes, desperate for work. Finally, someone from Craig's List responded. The company claimed to be a medical firm and needed to fill a clerical position, and since she had years experience as a medical assistant in hospitals, she was excited by the prospect.

What she couldn't understand was why they were sending her a check "so she could pay customers." What customers? She was smart enough to be suspicious and to not give out her bank information or social security number.

A few days after submitting her resume and emailing back and forth to the party, she received a check for $2,850.55. For someone who is needing money and out of a job, this is very tempting. You want to cash that check. You want to believe it is real.

Here's the following email conversation between Shawn and the person who sent her the check:

Shawn: It just came.
Moore Shawan: ok nice. pls confirm the amount to me
Shawn: 2,850.55
Moore Shawan: correct
Shawn: I can open account at Chase today.
Moore Shawan: don't you have any other bank closer to you?
Shawn: That is the closest
Moore Shawan: like credit unions
Shawn: Chase is the closest
Moore Shawan: chase banking system slow, and you need this funds urgently so i'm asking if you have any other place you can get it cashed faster
Shawn: If I go to another bank it may take a while to clear.
Moore Shawan: yeah, that you can deposite it and they will give you some funds instantly
Shawn: Don't I need to get a form of credit card so I can perform payments with this money for your company
Moore Shawan: yeah, when seting up new account you will have to apply for Visa card also so you will take the chck to the bank right now and deposite it....ask the bank to give you some funds that its urgent, so you will be to carry out your assignment today...ok?
Shawn: Ok
Moore Shawan: ok go now what ever they give you let me know
Moore Shawan: how long will u be back?
Shawn: I have to take a bus to get there, I will let you know as soon as I get back
Moore Shawan: ok... make sure they give you some funds ok? cos they always do
Shawn: How much?
Moore Shawan: $1,650
Shawn: on a visa card?
Moore Shawan: the Visa card won't be ready.. that will take 2 weeks
Shawn: Cash then
Moore Shawan: when you return with the money i will instruck you on what to do but lets take one at a time
Shawn: I will get back to you when it is done
Moore Shawan: ok i ill be here - bye for now

At this point, Shawn looked up the name of the company and couldn't find any information on it. She then called Chase Bank since the check was drawn on a Chase account. They told her that the check was fraudulent and they received one of these at least twice a week.

Shawn got back online with Moore.

Shawn: I found out about your scam, you should be ashamed of yourself to pray on people that our trying to make a honest living. I have turned it over to the fraud department and contacted an attorney.
Moore Shawan: Hello
Moore Shawan: what do mean
Shawn: You know exactly what I mean!!!!!!!!!!!!!!
Moore Shawan: pls expland
Moore Shawan: explain whats exactly thats going on
Shawn: how dare u prey on people that r trying 2 do good 4 their family. the check is fraudulent i called the bank in arizona
Moore Shawan: bullshit.....why calling the bank? were you to pay yourself
Moore Shawan: i told u take check to bank...let them do their jobs
Moore Shawan: pls stop telling me shit
Moore Shawan: go get the chech cashed
Shawn: cause this clerk position is bullshit along with you and ur bullshit check.
Moore Shawan: f...k that the check is ok
Shawn Collins: no f...k u u cash it

Is nothing sacred? The scammers are out there, so beware. If someone sends you a check that you haven't earned and haven't requested, it is a fraud. These people are innovative and resourceful. Never give out your bank info or your social to anyone. The bad guys are out there, folks, just waiting to take advantage. Don't let them win. I wish this was fiction. It would make a good thriller. Unfortunately, it's real.

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