From: email@example.com [mailto:firstname.lastname@example.org]
Sent: ג2012 06:36
Subject: Direct Deposit payment was declined
Herewith we are notifying you, that your most recent Direct Deposit via ACH payment (No.685180959565) was disallowed, due to your business software package being out of date. The details regarding this matter are available in our secure section::
Please consult with your financial institution to get the new version of the software.
ACH Network Rules Department
NACHA | The Electronic Payments Association
15466 Sunrise Valley Drive, Suite 733
Herndon, VA 24662
Phone: 703-949-3875 Fax: 703-169-0647
I notified the fraud department of my Internet Provider.
How can you tell the difference between a real inquiry/warning and a scam like this one?
- Look at the sender’s email address. In this example the From: and Mail to: are not in sync.
- Are you familiar with the sender? In this case, no, I am unfamiliar with this financial institution.
- They’re requesting I “click here” to download details. NEVER “click here” on an email from an unknown, untrusted sender.
What are the consequences of being scammed?
The potential consequences can range from identity theft to your computer becoming defunct because scammers’ motives can range from monetary gain to pure malice. If I had clicked for the details, whatever I downloaded could have allowed the scammers access to all of the personal information on my computer.
Have you been receiving suspicious/scam/fraudulent/phishing emails? If they’re different to my example, please share them with me.
Howard Lipset, CPA
Progressive Management, Inc.