Top 5 Current Email Scams You Should Know About

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e mail cartoon   Top 5 Current Email Scams You Should Know AboutThere are numerous ways to be scammed nowadays. Pyramid schemes, “˜too good to be true’ investments and of course the good old internet. There are literally millions of websites that will gladly take your money, personal info, bank details and a host of other things from you and then skedaddle.

Today, I’m going to talk about the top 5 email scams that litter inboxes all over the world.

Now, given the fact that 90% of e-mails sent world wide can be regarded as spam, undoubtedly a large proportion of that spam will be scams trying to get your hard earned money. Fortunately, given the huge amount of inactive email accounts most of this spam will go unopened and will lie dormant forever.

But some of it is opened in offices, schools and homes all over the world. They deceive you into thinking they are something they are not. Here are five email scams you should watch out for.

The Bank

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When opening a bank account of any kind you are informed beyond any doubt that the bank will never, ever, send you an e-mail asking for your information. Why would they? They already have it. But millions of people still reply to e-mails asking for just that. These e-mails will normally have a professional layout and will have originated from a domain very similar to the banks in the hope that when you see the e-mail address you assume it is from the bank.

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Popular ones include telling you your bank card is about to expire and they need your information or there is a sum of money on the way to you and they need your information to process the transaction. Don’t believe a word. They want your details to rob you of every cent you have.

Nigerian Inheritance

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Ever got a poorly written e-mail from a bank manager in Africa telling you that a rich guy died along with all his family in a plane crash and he wants to transfer money to your account? These kinds of email scams are called “419 emails” or Nigerian scams.

If you reply and begin talking to them they will shower you in promises and may even up the amount of money you’re going to get. Then, before the transfer can be made they’ll ask you for a few thousands dollars to cover their expenses. More like their holiday next summer.

Phishing Email Scam

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These e-mails will often appear to come from sites you actually use, such as PayPal. If they find your profile they send you an e-mail that looks exactly like one from the site. They will redirect you to a bogus site which, once again looks just like the actual website. Once you sign in all of your info will go straight to them meaning they can do what they wish with your money.

Virus E-Mails

Many people who want to scam you will create programs and spy applications that will send them your bank details as soon as you use any online monetary service. They normally skulk around in the attachments of e-mails. Many scammers will find a funny picture or video and will send it to as many people as they can.

They are getting into the mindset of your typical office worker who will forward the e-mail to all his/her family, friends and co-workers. When these email scams are successful, scammers can often retrieve thousands of peoples details. Think about it. If they send it to one person who then sends it to thirty, each of these people will again send it to all their contacts. Hundreds of peoples’ details all in a very short space of time.

Lottery Email Scams

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These have a low forward rate and as such require a lot of work by the low tech scammers. They will tell you that you have won a substantial amount of money in an e-mail address raffle or something similar. They tell you that you must reply to the e-mail, just like the inheritance e-mails.

Eventually, you will be asked for a few thousand dollars to cover fees. Don’t fall for it. This is the real world and you don’t just win a $3 million prize in a raffle you never entered.

My advice to combat the above e-mails which are very popular comes in two forms.

  • Be aware that any e-mail asking you for any information such as account numbers, passwords or account verification long after you signed up is fraudulent. Legitimate companies will never contact you to ask for such information.
  • Install protection software such as Norton 360 2.0. They can be costly but so can having your bank account drained.

What other email scams have you received?  Tell us about them so the other readers can be warned to look out for them.

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18 Comments - Write a Comment

Reply

Herb

Must be a slow news day…..

Reply

Jack Cola

When I get bored, I reply to these guys (especially the lotto ones) and I ask them for more information about the winnings and how we can continue business. Ive replied to about 5, and i think only one replied. So why do they bother if they are not going to reply?

I do the same to telemarketers. I try to make them hang up on you. If you get them frequently, get them to hang up on you because you are talking crap to them etc, and you would find that in a couple of months you won’t get any telemarketers calling your phone ever again.

Judy

I call them every four letter name in the book….they are almost all from Nigeria…I am extremely graphic and because most of these people believe in VooDoo, I tell them I have put a curse on them and they are going to die or get HIV in 5 days…and I am going to make sure they die a horrible, screaming, hideious death….their fingers and nose are going to fall off, their children are going to die in the next year….they are liars and thieves and everyone knows it…..

My favorite is: You dog f___ing, pig eating, butt f___ing pieces of donkey s__t. You are going to die your d__k is going to fall off and you are going to get HIV….The next time you have sex, your d–k is going to get a disease….you are liars and thieves and Chango is going to kill you in 5 days or give you a horrible disease…all of your children are going to die too. I am the Great Mama Din-Obama-mambo Witch and I have put a curse on you and all your children. Die, Die, Die!!!!!!

I never hear from them again…Hugs, Judy

Reply

internet marketing

Yeah I have got the same ones, There is one more I have got in which the sender is your another mail address, I got confused when I have checked mail and found the e mail address from which that mail has arrived is my another mail address. Basically you will find mails in your spam folder from “Me”.
BTW thanks for sharing useful information.

Reply

Sean

One time, on a job site, I saw a posting for a newspaper job in Chicago. They sent me an e-mail saying they needed me to transfer a sum of money from where I am to the Chicago office. They said they were going to send me a $699 check in the mail and I was to cash it at the bank. Sure enough I got a check in the mail for $699. I still have that check and laugh every time I come across it.

Jack Cola

So did you cash it in? Why would they send you a check?

Judy

I also had them send me checks that looked like legitamate travelers’ checks, which the bank was going to cash or put in my account. However, I called the named travelers’ check company and they said the numbers were bogus.

I then took these bogus, counterfeit checks to the police, called the US Treasury, the Secret Service, the FBI, and everyone I could think of….WOULD YOU BELIEVE THAT NOT A SINGLE POLICE AGENCY OR THE FEDS WERE INTERESTED OR GAVE A DAMN….

AND I LEARNED THAT THE BANKS JUST LOVE FOR YOU TO GET SCAMMED AND BOUNCE CHECKS BECAUSE THEY MAKE YOU PAY AND PAY AND PAY FOR OVER DRAFTS WHICH IS ONE WAY THE BANKS MAKE MONEY.

CORRUPTION AND LACK OF CONCERN FOR THE AMERICAN CITIZEN AND OUR SECURITY….IS JUST AS BAD AS NIGERIA….

THAT WAS THE REAL SHOCKER, THE BANKS DON’T CARE, THE FEDS DON’T CARE, THE POLICE DON’T CARE, AND THE IRS DOESN’T CARE. ITS NOW TIME FOR A MAJOR POLITICAL CHANGE IN THIS COUNTRY…AND KICK OBAMA AND ALL THOSE BASTERDS OUT.

Reply

RM – ProActive News Room

Dean,
I have personally found that my hotmail gets more of these type of scam emails than my gmail or yahoo accounts. Also, there are many more antivirus software that are better than norton & free! One I like is avast and the price is right!

Thanks for the post!

RM

Bob3000

While I share your disdain for Hotmail I think the issue is that Gmail and Yahoo put more care into having a decent spam filter at the mail server level.

Reply

glenn

I just now nearly got trapped by a link at Amazon purporting to connect me to Sharp Electronics online. Turns out it led me into the trap of justanswer.com, first by getting me to create an account, i.e., a username and password. Shur, what’s it cost me, I thought. Then I was thrown into a window asking me to chose an expert and how much I was willing to spend for the expert’s advice. When I tried to close the window, I got a [java?] message essentially forcing me to continue; eventually I had to “force-quit” my browser. Then I found email from said “expert”, which I replied to, threatening to report the fraud, but of course it bounced immediately. So I went to another email, from MakeUseOf, and here I is. Remember “justanswer.com” and if you know of a more effective way to “report” them, pls let me know. As I wrote in the bounced mssg, “I’m retired and have the time, and I’m enraged.”

Margaret

In April I became my mother’s representative payee after my father’s death in February. (He had been a U.S. civil servant.) Afterward, I received an e-mail supposedly from Robert Mueller, the FBI director, asking for bank information, etc. in order to send me my mother’s first monthly payment. I called the local FBI office and was told that it was fraudulent and was asked if I would report it to the Internet Crime Complaint Center, which I did. The Internet Crime Complaint Center (IC3) is a partnership between the Federal Bureau of Investigation (FBI), the National White Collar Crime Center (NW3C), and the Bureau of Justice Assistance (BJA). The Web site is: http://www.ic3.gov/default.aspx.
I didn’t receive an answer; I didn’t expect one. But at least I felt I had done something in the right direction. It’s a little unnerving to think that someone was able to hack into the files of the Office of Personnel Management, but consoling in a way to think that they didn’t get far; after all, they had to ask me for all the really important information.

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Aery

Have gmail and its spam filter will not do the rest.

Reply

Dean Sherwin

Indeed, some spam filters are less than useless. But to be honest your best defense is to simply push the ‘delete’ key.

Reply

Ragter

To be honest, I never got how one could fall for a scam like the Nigerian one, considering how widespread it is. As for the others, I haven’t heard of them, I’ve mostly gotten just the Nigerian scams.

Seems Nigeria’s pretty interested in me though.

Reply

Jack Cola

Also you make sure that the link is the same as the text. As some people may say visit google.com while it actual goes to somescammysiteanddonotclickthis.com/morescams/headed/your/way.htm etc

Reply

Phaoloo

I was almost deceived by a paypal scam and click the link to verify my paupal account. Fortunately, I changed the password right away before the phisher had done it.

I find that Gmail has a great phishing alert feature, so you can trust it and never click on link in your message before reading it 2 or 3 times.

Reply

Henry

At times I wonder why someone would fall for some scams especially the nigerian ones cos apart from the very bad grammar, the stories are too good to be true. And some claim to be the governor of the central bank or the ceo of the bank. If u stop to think for a moment, you’ll see that a person in such a position doesn’t need to go lookin for someone online to help launder the money. I realised that people that fall for such do so cos of greed, no one reaps from where he/she didn’t sow plus I think by now the rest of the world would have gotten wise to the nigerian scams since 90% of them have the same format, (actually the scammers use a template for the scams). As for the person callin down curses on them, they don’t call back cos they know you didn’t fall for it & not cos of what u said, besides an average nigerian that believes in voodoo doesn’t fear a non-african/white man’s voodoo. Lol.
In case you are wondering, am a nigerian and reside in nigeria, and not all of us supports/partakes in these scams.

Reply

Unionhawk

Rules of e-mail scams:
1. You did not win the lottery
2. Nigerians are NOT offering you a business deal
3. Important bank information that you need to update? do it in person.

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