Truth vs. The Scam: Payment Processing, Re-shipping, Forwarding Scams
Work at home processing or reshipping checks, money
orders, envelopes, and/or merchandise; receiving money wired into your
account; writing checks on somebody else's account; secret shopper jobs;
forwarding cash received in a package, by mail, by Western Union or
MoneyGram; and receiving credit cards or gift cards from a foreign
employer or someone you met online.
Payment Processing schemes and scams are operated by
fraudsters who specialize in money laundering. Funds and
credit card information are
stolen through ID Theft and laundered using unwitting victims.
The laundered money goes to fund a luxurious lifestyle and to
further other crimes.
Products or services
Bad Debt payments (collection service)
Reship packages / merchandise / envelopes /
checks and money orders
Re-wire Western Union or MoneyGram
Receive money wired into your bank or
credit card account
Write & sign checks on accounts you did
Work as a Secret Shopper
Forward cash received in a package or by
Receive credit cards or gift cards from a
foreign employer or someone you met online
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receive an email stating that a business is seeking agents to process
payments for them. It claims that the business has customers in
your country and bordering countries and they want you to
collect payments from their customers and send them the money.
receive an email asking you to receive monies for a charity and
forward the money to the charity.
above emails ask that you provide personal information such as name,
address, and contact information. Sometimes you are asked to
provide driver's license, social security, or other identity paper
numbers and maybe a copy of your passport.
emails contain foreign phone numbers and email extensions not
associated with a company such as @yahoo or @gmail or other public
web based email service.
a relationship correspondence, you are asked to receive and forward
money or packages for any number of reasons, and you may be asked to
accept a credit card or gift card and forward the money from it, or
buy merchandise and ship it to another address.
part of your job you are asked to write checks on bank accounts
other than your own. You may be asked to buy check writing
equipment and materials. You are asked to mail the checks to
various addresses by standard mail. Or you may be asked to use FedEx
or UPS to mail a batch of checks with or without addressed and
part of your job you are asked to be a Secret Shopper reviewing
Western Union or MoneyGram offices by receiving and and re-wiring
are received in one of several ways:
Money deposited into your bank account
Checks and/or money orders mailed to you
Money waiting at Western Union or
are asked to receive or deposit checks or money into your bank
account, deduct a percentage for your services (traditionally 5% to
20% commission) and wire the money to another person, and sometimes more than
one person, but not to a company account. You are told the
commissions you earn are tax free.
are received at your home via a standard carrier - UPS, FedEx, Post
Office, or an independent delivery service. You are asked to
reship the packages using FedEx, UPS, or DHL account numbers.
It is impossible to give an example of every
approach. What is important is what your are being asked to
do, not who is asking you to do it.
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Money wired into your account & re-wiring Western Union or MoneyGram payments
5. Writing checks and forwarding
checks and sealed envelopes
6. Secret Shopper jobs and forwarding cash
credit cards or gift cards
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