Identity Theft...Phishing emails

Clean up your credit and improve your credit scores.

Identity theft struck 50 million Americans in the last 6 years and nearly 10 in 2006

Victims estimated that they spent $500 to $3000 on average to deal with their identity theft experience

The average value of money or goods obtained by a criminal who misused a victim’s personal information is $10,200

Top Ten States in number of identity theft victims.

1. Arizona
2. California
3. Nevada
4. Texas
5. Los Angeles, CA
6. Florida
7. Georgia
8. Colorado
9. Oregon
10. Washington

 

Source: FTC, National and State Trends in Fraud & Identity Theft, January 2004

 

 

 

 

 

 

 

 

Identity Theft & Phishing emails

“Identity Theft” is exactly what the words mean. This is done by a person or persons who are called Identity thieves. In general, identity thieves take your personal identifying information, such as your name, social security number, address, phone number, driver’s license number, date of birth, credit and bank account numbers or any information you would use to identify yourself.

 

Who are the thieves and how do they get your information?
A number of news stories, interviews with victims and a wide range of other sources reveal that these thieves are no more than a friend, relative, coworkers, employees at companies and government agencies with personal information about you in their public records, such as; Homeowners documents, driving record, police and court records, utility records, marriage and divorce records and with the computer age now its even easier to get personal information, worst of all, total strangers who gain access to pieces of a person’s identifying information through any number of ways, these are just examples:


  • · Payroll records stolen
    · Giving your personal information to an unscrupulous company over the phone
    · Mailing your personal and credit information to anyone
    · New checks stolen through the mail
    · Credit cards stolen through the mail
    · Relatives using your identity
    · Lost wallet or purse
    · Use of security number as an identifier (employee records, student records, banking and credit accounts)
    · Medical and employee records
    · Unscrupulous friend of a friend who may have access to private information at his place of employment

Computer and Internet
List of credit card account numbers, names, social security numbers and addresses inside electronic data bases at insurance companies, banks, the IRS, the social security Administration, creditors and credit bureaus and the Internet service providers’ files can be downloaded by a computer hacker who then uses the information for himself or to sell them to data thieves. Get a security software program that will minimize this.

Phishing email examples (Fraud Attempts)

Dear Beneficiary,

I hope that this correspondence is received with the urgency and expediency required.

It has come to the notice of the Board of Trustees at the FEDERAL RESERVE BANK that your present inheritance claims application being handled by the Remitting Bank in United States is experiencing some man made irregularities.To this effect,it has become necessary for the Board of Trustees to invite trained Fund Transfer Specialists from the United States to resolve and regularize your fund release with immediate effect.

We at David Lee Consults have been duly consulted by the FEDERAL RESERVE BANK Board of Trustees and have been fully informed about how the staff of the remmitting bank have been taking advantage of you by telling you to pay unneccesarily exhorbitant charges which will only make your fund payment a long drawn out process.

Due to this we have decided to step into the process of your fund transfer to enable your funds to be transferred within the soonest possible time you are to get back to us immediately.

All processes to have your funds paid to you immediately through the FEDERAL RESERVE BANK Liaison Remittance Office in WASHINGTON have been initiated to cut out unnecessary costs.You are advised to keep this communication highly confidential as the FEDERAL RESERVE BANK Board of Trustees have asked us to resolve this fund payment independent of the office of the FEDERAL RESERVE BANK Director to identify the the principal participants in this unethical payment procedure.

We shall await your immediate correspondence with your direct telephone numbers for re-confirmation to to my confidential email address at (dvlee10@ymail.com) so that we may conclude your payment immediately.

Yours Sincerely,

Dr. David Lee.
David Lee & Associates
c/O FEDERAL RESERVE BANK.

Phishing email examples (Fraud Attempts)

http://http-download.intuit.com/http.intuit/CMO/intuit/press_room/intuit_logos/intuit_blue.gif
Direct Deposit Service Informer
Communicatory Only

We cancelled your payroll on Fri, 11 Jan 2013 08:03:47 -0500.

  • Finances would be gone away from below account # ending in 6122 on Fri, 11 Jan 2013 08:03:47 -0500
  • amount to be seceded: 7724 USD
  • Paychecks would be procrastinated to your personnel accounts on: Fri, 11 Jan 2013 08:03:47 -0500
  • Log In to Review Operation


Funds are typically left before working banking hours so please make sure you have enough Finances accessible by 12 a.m. on the date Cash are to be seceded.

Intuit must reject your payroll by 4 p.m. Central time, two banking days before your paycheck date or your state would not be paid on time.
QuickBooks does not process payrolls on weekends or federal banking holidays. A list of federal banking holidays can be viewed at the Federal Reserve website.

Thank you for your business.

Regards,
Intuit Payroll Services

Phishing email examples (Fraud Attempts)

http://www.adp.com/ADP_Solutions/images/logo_tagline_adp.gif

ADP Immediate Notification

Reference #: 085859800

Wed, 9 Jan 2013 01:45:45 +0330
Dear ADP Client

Your Transfer Record(s) have been created at the web site:

https://www.flexdirect.adp.com/client/login.aspx (notice this link goes somewhere else)

Please see the following notes:

  • Please note that your bank account will be debited within one banking business day for the amount(s) shown on the report(s).
  • Please do not respond or reply to this automated e-mail. If you have any questions or comments, please Contact your ADP Benefits Specialist.


This note was sent to acting users in your system that approach ADP Netsecure.

As usual, thank you for choosing ADP as your business affiliate!

Ref: 783500439

http://www.international.adp.com/assets/vfs/Family-25/signature/2011/superGraphic-sig.gif

HR. Payroll. Benefits.
The ADP logo and ADP are registered trademarks of ADP, Inc.
In the business of your success is a service mark of ADP, Inc.
© 2013 ADP, Inc. All rights reserved.

Phishing email examples (Fraud Attempts)

Subject:[SPAM] FROM OFFICE OF THE WESTERN UNION MONEY TRANSFER.
Welcome  to Western Union
FROM OFFICE OF THE WESTERN UNION MONEY TRANSFER.
COTONOU BENIN REPUBLIC/ADDRESS 455 AGBOKOU,ANKPA ROAD LAGOTES PALAR WEB SITE. www..westernunion.com www.westernunion.com
email address:   w.u.m.transfer406@live.com

Attn;Beneficiary,

Information reaching us from our corporate headquarters now, states that you only have 72hours to effect payment for the activation of your MTCN to enable you cash up your first $5000.00 from your total (fund) since you are finding it difficult to make this payment we have decided that you are to go ahead and pay whatever you have from $75USD above for the activation fee since you are not able to come up with the required sum, time is of the essence here.

You are to pay what ever you have from $75 USD above for the activation fee; we will activate your MTCN upon receipt of this payment.here is the payment for the $5000usd but you can not pick it up because the chairman of the western union say that before you pick that money you must pay the any amount you have from $75USD above OK

Sender name: James Frye
Mtcn number: 5386476389  (pending)
Amount====$5000.00

Be informed that you will have to pay the balance sum of your activation upon cashing up of your first 5,000.00 usd, also i am using this medium to inform you that failure to pay the balance sum will leave us with no option but to deactivate your mtcn of which you will and can never cash up the balance sum i want you to send the renewing and transfer fee with the information bellow.

1.Receiver name:...Emeka Micheal.
2.Country:.........Benin Republic.
3.City :...........Cotonou
4.Test question:....Able
5.Test answer:.....God
6.Amount you sent.....
Sender Name.......

Send us the mtcn number immediately you send the money and immediately we confirm the transfer fee we will send you the first receipt of your $5000 today and not tomorrow.

REGARDS.
MR.YUSUF ADDO
Reply to:  w.u.m.transfer406@live.com

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Phishing email examples (Fraud Attempts)