Overpayment scams are rising and can leave victims thousands in debt

Excessive fraud operations In a height, they can leave victims thousands of dollars from debt. The preparation usually appears to be harmless: someone sends a check for more than the agreed amount, and asks you to redirect the difference and disappear as soon as the check bounces. Below are five of the most common increased payment fraud that you need to monitor for today.

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The FBI warns of the elderly of the amount of one billion dollars to defraud to drain the pension funds, says the expert who leads it to artificial intelligence.

1.

Bob from Harrison, Ohio, recently shared how he was almost deceived by a deception demonstrating as the owner of pets. He started deceiving a dog sitting request. Bob promised $ 250 for care and food, but then a fake check arrived at $ 4358.

Deceptive Bob ordered the sending of $ 4,000 from him to “retail stores”. Why is a retail dealer when the service was to sit dogs? Budgets often use a third party to make the demand look more true. If they simply ask for money, then this will raise the red flags. By inventing another company, whether it is retail, shipping service or contractor, it adds urgency and legitimacy to the story. In fact, the “retail seller” is just another front controlled by the deceased. Here’s hunting: It seems that the check is real, but it is already fake. The bank may make money temporarily, but once we wear, it is on a hook for the entire amount.

Payment procedure by wiping the quick response icon with a phone. (Cyberguy “Knutsson)

advice: If you are asked to redirect money to a third party, especially one that has nothing to do with the original deal, deal with it as a fraud. Keep the check and envelope as a guide, and inform him to FTC and your state lawyer.

2. The online market fraud process

Selling the sofa, bike or electronics online? Some “accidentally” buyers send a lot. Then they ask you to return the difference through Zelle, Venmo or negative transport. Once the check or payment is reflected, it lost both the product and the money that it responded to.

advice: Always insist on verified payment methods. If the buyer pays you to recover the money quickly, stay away.

Fake phone fraud is spread throughout the United States

Budget people may try to recruit buyers to buy gift cards before a false check and fled. (Cyberguy “Knutsson)

3. The mysterious shopping fraud process

You may get an email or a letter that offers a job as a mysterious shopper. They send you a large check to “Test” stores by buying gift cards. You are asked to send gift card numbers as evidence of purchase. After the bank reflects the fake check, you lost the money you spent on these gift cards.

advice: Never pay real companies in advance with additional funds or request gift card codes by email.

4. The rental deposit fraud process

The fraudsters target tenants by sending a check for more than the deposit or rent. They claim that it was a mistake and ask you to recover the difference. The check is later bounced, leaving you stuck.

advice: Accepting payments only through safe online or personally gates with verified money.

5. The operation of work equipment from the home

This one is preparing job seekers. The “employer” sends a large check to buy desktop equipment, then directs you to redirect the additional money to a seller. Of course, the check is fake, and the supposed seller is also the deception.

advice: Sharia employers offer direct equipment or compensation for verified expenditures, and not through excess payments.

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The fraudsters target workers from the promise to provide a salary for work technology from home. (Istock)

How to protect yourself from extra fraud

Now that I saw how these fraud operations play, starting from fake vehicles to vehicles to market fraud and fake job performances, it is clear that they all follow the same playing book. Someone sends you a lot of money and presses you to redirect the additional. “Additional” was never present, and as soon as the examination bounces, she left the bag bearing. The good news is, there are clear steps that you can take to protect yourself and keep your money safe.

A stand before acting

Each fraud in this article, from the dog’s hoax to the depositary tricks, begins with excess cannons that seem harmless. If someone pays you more than you owe, this is not a mistake. It is a fraud. Do not return or send money to any third party. Keep the check and envelope as evidence, then report it.

Check the money with the bank you are dealing with

The fraudsters count on you to trust what you see in your account. In the Bob case, its check of $ 4,358 looked at the real because the bank showed it “available”. But it is not the same as its purification. Always ask the bank you are dealing with, confirm when the money is fully checked before you spend ten cents.

Avoid rushing

The urgency is the most powerful weapon for deception. The fraudsters will be pressured at Marketplace, tenants and fake employers to “fix” the mistake immediately. Slow, achieve dual and do not let anyone force you to work quickly.

Use safe payment systems

Whether it is for rent, independent work or the sale of a used element, fraudsters prefer paper examination because they are easy to forge. Adhere to the safe payment platforms that can be tracked or personally verified. In this way, do not stumble when an examination is bounced.

Keep the records of all connections

If you receive a suspicious check, save everything: envelope, email messages, texts and any used names. In the dog fraud process, emails preserved for pop and deceptive phone number became evidence of this. These documents help law enforcement and protect you if the deception tries again under another identity.

Use the personal data removal service

The fraudsters often find victims by stripping personal details of online data brokers. This is how they target tenants, pets, or job seekers. Using a personal data removal service can reduce your exposure and make you more difficult to target in the first place. Although there is no service that ensures the complete removal of your data from the Internet, the data removal service is really a smart choice. It is not cheap, nor is it your privacy. These services do all work for you through effective monitoring and systematically erasing your personal information from hundreds of websites. This gives me peace of mind and has proven to be the most effective way to erase your personal data from the Internet. By reducing the available information, you reduce the risk of referring to the cross -cut data from the violations of information that they may find on the dark web, making it difficult for them to target you.

Check the best data removal services and get a free check to see if your personal information is already on the web through the visit Cyberguy.com.

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Enable fraud alerts with your bank

Many banks allow you to put in place alerts for large deposits or unusual transactions. It gives you this opportunity to review the suspicious activity before the deception presses you to act on it.

Reports of fraud operations

Just as Bob did when cutting off the connection to the fake pet owner, reporting of fraud helps to protect others. File Federal Trade Committee (FTC) In Reportfraud.ftc.gov and your state lawyer. You can also alert police and local community groups to prevent fraudsters from targeting someone else.

Kurt fast food

Pay extra payments prey to confidence and urgency. They can appear on online sales, job offers, rental agreements, and even friendly community councils. By knowing the signs of warning, you can stop the fraudsters before they reach your wallet. Stay careful whenever you are asked to deposit more than expected and redirect. If it seems strange, it is likely to be a fraud.

What should be done to stop excessive fraud now after they have gone out of control? Let’s know through writing to us in Cyberguy.com.

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