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For our flow chart of a Payment Processing Scam, visit our partner site .NextWebSecurity

Payment Processing Schemes Flowchart

 

 

 

 

                             

 

The 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.

 

1. The Scam | The Truth: 2. Overview 3. Forwarding packages and/or payments 4. 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 7. Receiving credit cards or gift cards

 

  THE TRUTH about forwarding packages and/or payments

 

If you have engaged in any of the actions described below, go to The Scam Victim's Solution Center menu to see how to deal with your specific situation.

 

Western Union and MoneyGram were designed to send money to friends and family, not to send money to strangers.

Once the money is picked up, it is gone forever.

NEVER WIRE MONEY TO A STRANGER!

 

Forwarding packages: To be a forwarding agent or re-shipper you must be bonded, insured and licensed to do so within the laws of your country, state, and county. 

If you have been asked through email or chat room correspondence or by telephone to reship merchandise to another country that was purchased in your country, you can bet that the merchandise was purchased with stolen credit cards.  You are facilitating a crime, receiving and reshipping stolen property, and are at risk of arrest and conviction.

When the scamployer asks you to spend your own money on shipping costs, don't think for a minute that you will be reimbursed.

When the scamployer provides a carrier account number such as a FedEx account number to cover mailing costs, the account number is one that has either been hijacked from a legitimate company (usually a large corporation) or one that has been paid for with stolen credit card information.

Scammers never spend their own money if they can help it, and they certainly never spend their own money on any of their victims.

Forwarding payments: As a private individual, you cannot, cannot, cannot accept payments made to your name that are in payment for products and services provided by another party.  You cannot place money in your own account that is owed to another without incurring a liability.

As a private individual, you can accept money designated for another if you are depositing the money into a bank account in the company or individual's name for whom the funds are intended, and whose signature cards are signed by that account holder.  Only the account holder may remove funds from that account, not you. See Writing and signing checks on someone else's account

Payment processing companies exist all over the world.  They accept money for credit card payments and money for products.  When making an online purchase or setting up a scheduled credit card payment, it is not unusual to receive an email notice that your credit card statement will list the deduction as a payment to XYZ company when you purchased a product from ABC company.  However, those companies operate under the laws of their state and country, are bonded and insured, have strict internal controls, understand the rules of compliance, and are subject to unscheduled audits by an independent auditing firm.

Examples:

If I buy something at Walmart, I have to pay Walmart; not you.

If I am making an investment, the money must be deposited into an investment account, not your account. 

If I am making a donation to a charity, the money must go to the charity, not to you, and you cannot legally issue me a tax deductible receipt for my contribution.

If you have engaged in any of the activities described above, go to The Scam Victim's Solution Center menu to see how to deal with your specific situation.

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1. The Scam | The Truth: 2. Overview 3. Forwarding packages and/or payments 4. 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 7. Receiving credit cards or gift cards

 

 

 

 

 

 

We are not attorneys and don't pretend to be.  In our experience, the information and guidance offered on this site have proven to be effective; however, we always recommend that you consult with an attorney.

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Information provided about lotteries and lottery scam: Fraud Aid, Inc. is not affiliated with any pay-to-play or free online lottery or Sweepstakes games and derives no income from any pay-to-play or free online lotteries or Sweepstakes or any of their participating sponsors with the possible exception of a sponsor's independent advertising unassociated with any drawings promotion; nor does Fraud Aid promote or sponsor any lotteries or Sweepstakes or numbers drawing of any kind.


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