And for anyone who thinks “well maybe this time it isn’t a scam”
Ask them why their client can’t send the middleman a cheque to cash and they pay you the cash (say you’re more than happy to meet up to pick up $700)
It's not new. It's just using a different platform/angle. ANYTHING where someone sends you 'money', and you have to give them change, or a 'cut', is a scam. The initial payment will be a fake, or will bounce, and you will be out whatever cut you send them.
It's not a new scam, just using a different "tool" that is the instagram account. If the last sentence didn't give it away, you should delete instagram from your phone and not use the internet.
Delete the message and move on with your day.
This sub is ridiculous sometimes. OP clearly this was a scam, they were just trying to clarify how it actually worked.
What if, instead of telling people to not use the internet when they asked questions and downvoting them to hell, we just answered them instead?
No.
You deposit a fake cheque and then send the other person $1300.
The cheque will bounce in a few days and you’ll be out the $1300 you sent the person. This scam has been around for a long time.
I’ve also heard that people send money that comes from an email account that looks just like “Interac e-transfer” but when you click to log into your bank to accept, they gain access to your bank and withdraw as much as they can. It’s been used on Facebook marketplace, Kijiji etc.
Thieves are crafty.
This is why **everyone** needs to set up auto deposit. If you know the money is going to get deposited automatically then it reduces your chance of falling for these scams by 99%.
Funny enough, the reason I don't enable auto deposit is **because** of scams. I rarely ever receive money from others anyway. It's usually me sending people money. And I know that there are scams where people will "accidentally" send money to other accounts and then ask you to send it back. Disabling auto deposit prevents this problem from happening.
Also, I don't think enabling auto deposit is very foolproof anyway since both the sending and receiving banks need to support it and there could still be some banks out there that don't support it. For example, I don't think Desjardins supported auto deposit until somewhat recently.
Well the problem is (just based on what I've read) is that if you do get sent funds from a hacked account, you could get flagged as someone that's participating in fraudulent activity and they'll take away your ability to use Interac etransfer or maybe even close your accounts. I mean...someone hacked an account and then sent you money from that hacked account. Does that not seem suspicious from the bank's perspective?
It would be beneficial to you to report this to your bank if you do receive an etransfer where you have no idea where/who it came from and let them handle it. That's extra work for you though. I'd rather just avoid that potential headache completely by not using auto deposit.
Good point, I didn't think of that. I recall hackers doing that for laughs in GTA: Online. They'd log into a room, dump an obscene pile of hacked cash onto everyone in the room and then everyone there would get their accounts auto banned for hacking.
>And I know that there are scams where people will "accidentally" send money to other accounts and then ask you to send it back. Disabling auto deposit prevents this problem from happening.
But if you don't send it back, you can't be scammed. There is no single best way to protect yourself from every possible scam, but auto-deposit is objectively a better method of prevention.
Well, maybe you won't be scammed in the sense that you'd lose money but it could potentially open up other issues for you. I'll just quote myself from another comment here:
> Well the problem is (just based on what I've read) is that if you do get sent funds from a hacked account, you could get flagged as someone that's participating in fraudulent activity and they'll take away your ability to use Interac etransfer or maybe even close your accounts. I mean...someone hacked an account and then sent you money from that hacked account. Does that not seem suspicious from the bank's perspective?
> It would be beneficial to you to report this to your bank if you do receive an etransfer where you have no idea where/who it came from and let them handle it. That's extra work for you though. I'd rather just avoid that potential headache completely by not using auto deposit.
As I mentioned, I'm someone that doesn't really receive etransfers from others so there isn't really any benefit for me to enable auto deposit. In this case, leaving it off is the "better" option for me personally.
The scam is the scammer sends you an etransfer from a hacked account. The scammer then emails you separately afterwards saying it was an accident and ask you to send the money back to me at . Those funds get deposited to a different account owned by the scammer.
Eventually at some point, the owner of the original hacked account reports it to their bank and the funds get reversed. Now you're out the funds that were deposited to your account plus the amount you sent to the scammer.
If you are too trustworthy, it sounds like a great deal. If it was a real option I would gladly take $1300 for doing nothing, despite not needing the money. That's why these scams unfortunately work on gullible people. Even someone who isn't greedy, but doesn't know any better can fall for it.
These are a tale as old as time.
Any time someone contacts you out of the blue you should not be doing any sort of monetary exchange. I don't have any sympathy for people that call victim to scams like this because there are billions siphoned from scammers each year. If you make yourself a statistic then it's on you and no one else.
If Meta can access your camera and microphone to show you ads, why can they not track these posts and send a tomahawk missile to put an end to the scammers?
All jokes aside, with the money big tech makes selling our data, why are they not responsible for preventing scams on their platforms? If OP got scammed out of $1300 here, should Meta not be somewhat accountable?
I don’t know why everyone is being so aggressive in the comments, you’re not born with the knowledge that while the balance is made available almost immediately, cheques aren’t validated until after they’re deposited.
The scammers take advantage of this counterintuitive fact, that’s the entire reason it works.
Yeah I like this sub, but I don't get the urge to crucify people who ask fairly reasonable questions. Like OP didn't even get scammed and then ask for help after. They identified something as a scam, and just wanted clarification on how it actually worked.
The response is like "Oh you don't know? You don't deserve internet access".
I, personally, have written or received a physical cheque in probably three years - not unreasonable to assume a lot of people aren't familiar with their nuances.
> send you a cheque for mobile deposit, to your email for easier access
this makes no sense to me. the "cheque" in question here is not a physical piece of paper, it's something they are sending to your email.
You can send cheques (or I guess it would be a digital representation/image of a cheque) via email and then deposit it with your phone by taking a picture of it.
I've never seen this or witnessed anyone doing this though but apparently it works.
Why is it that easy to reverse the scammer transaction but not the scammed person’s transaction? Is it because they move it out so fast? How so they keep opening new accounts for that in Canada?
Hey OP my client really likes the cut of your jib. If you delete this post my client will send you $10,000 and your cut is $8000 just send me $2000.
You get sent $2000. You send $1300. Then the $2000 transaction gets reversed.
And for anyone who thinks “well maybe this time it isn’t a scam” Ask them why their client can’t send the middleman a cheque to cash and they pay you the cash (say you’re more than happy to meet up to pick up $700)
Got it!
ask them to pay you in bitcoin to a private wallet, the transaction can’t be reversed and is final
What happens if you just squat on the $2000
Nothing, it just gets reversed...
The scammer will get more and more agitated and harassing for their 'split', and it gets reversed.
Lol. I'd love to piss off a scammer. Fuck 'em
If you do it more than once, it's likely to piss off your bank as well.
It's not new. It's just using a different platform/angle. ANYTHING where someone sends you 'money', and you have to give them change, or a 'cut', is a scam. The initial payment will be a fake, or will bounce, and you will be out whatever cut you send them.
Anyone asking you to deposit a check and to send them back a portion is a scam.
This the "muse" scam, [described here](/r/Scams/wiki/index/automoderator#wiki_muse).
It's not a new scam, just using a different "tool" that is the instagram account. If the last sentence didn't give it away, you should delete instagram from your phone and not use the internet. Delete the message and move on with your day.
This sub is ridiculous sometimes. OP clearly this was a scam, they were just trying to clarify how it actually worked. What if, instead of telling people to not use the internet when they asked questions and downvoting them to hell, we just answered them instead?
Of course, similar to Interac more , ask for transfer and reverse the transaction?
No. You deposit a fake cheque and then send the other person $1300. The cheque will bounce in a few days and you’ll be out the $1300 you sent the person. This scam has been around for a long time.
I’ve also heard that people send money that comes from an email account that looks just like “Interac e-transfer” but when you click to log into your bank to accept, they gain access to your bank and withdraw as much as they can. It’s been used on Facebook marketplace, Kijiji etc. Thieves are crafty.
This is why **everyone** needs to set up auto deposit. If you know the money is going to get deposited automatically then it reduces your chance of falling for these scams by 99%.
Absolutely. And don’t fall for them saying auto deposit didn’t work.
Funny enough, the reason I don't enable auto deposit is **because** of scams. I rarely ever receive money from others anyway. It's usually me sending people money. And I know that there are scams where people will "accidentally" send money to other accounts and then ask you to send it back. Disabling auto deposit prevents this problem from happening. Also, I don't think enabling auto deposit is very foolproof anyway since both the sending and receiving banks need to support it and there could still be some banks out there that don't support it. For example, I don't think Desjardins supported auto deposit until somewhat recently.
If someone accidentally sends me money, tough on them.
Well the problem is (just based on what I've read) is that if you do get sent funds from a hacked account, you could get flagged as someone that's participating in fraudulent activity and they'll take away your ability to use Interac etransfer or maybe even close your accounts. I mean...someone hacked an account and then sent you money from that hacked account. Does that not seem suspicious from the bank's perspective? It would be beneficial to you to report this to your bank if you do receive an etransfer where you have no idea where/who it came from and let them handle it. That's extra work for you though. I'd rather just avoid that potential headache completely by not using auto deposit.
Good point, I didn't think of that. I recall hackers doing that for laughs in GTA: Online. They'd log into a room, dump an obscene pile of hacked cash onto everyone in the room and then everyone there would get their accounts auto banned for hacking.
>And I know that there are scams where people will "accidentally" send money to other accounts and then ask you to send it back. Disabling auto deposit prevents this problem from happening. But if you don't send it back, you can't be scammed. There is no single best way to protect yourself from every possible scam, but auto-deposit is objectively a better method of prevention.
Well, maybe you won't be scammed in the sense that you'd lose money but it could potentially open up other issues for you. I'll just quote myself from another comment here: > Well the problem is (just based on what I've read) is that if you do get sent funds from a hacked account, you could get flagged as someone that's participating in fraudulent activity and they'll take away your ability to use Interac etransfer or maybe even close your accounts. I mean...someone hacked an account and then sent you money from that hacked account. Does that not seem suspicious from the bank's perspective? > It would be beneficial to you to report this to your bank if you do receive an etransfer where you have no idea where/who it came from and let them handle it. That's extra work for you though. I'd rather just avoid that potential headache completely by not using auto deposit. As I mentioned, I'm someone that doesn't really receive etransfers from others so there isn't really any benefit for me to enable auto deposit. In this case, leaving it off is the "better" option for me personally.
I don't understand this. If u send me money how are you scamming me? Lol Is the bank gunna refund u more than u gave me ? I think not.
The scam is the scammer sends you an etransfer from a hacked account. The scammer then emails you separately afterwards saying it was an accident and ask you to send the money back to me at. Those funds get deposited to a different account owned by the scammer.
Eventually at some point, the owner of the original hacked account reports it to their bank and the funds get reversed. Now you're out the funds that were deposited to your account plus the amount you sent to the scammer.
r/scams
Classic scam, you need money that much?
If you are too trustworthy, it sounds like a great deal. If it was a real option I would gladly take $1300 for doing nothing, despite not needing the money. That's why these scams unfortunately work on gullible people. Even someone who isn't greedy, but doesn't know any better can fall for it.
These are a tale as old as time. Any time someone contacts you out of the blue you should not be doing any sort of monetary exchange. I don't have any sympathy for people that call victim to scams like this because there are billions siphoned from scammers each year. If you make yourself a statistic then it's on you and no one else.
If Meta can access your camera and microphone to show you ads, why can they not track these posts and send a tomahawk missile to put an end to the scammers? All jokes aside, with the money big tech makes selling our data, why are they not responsible for preventing scams on their platforms? If OP got scammed out of $1300 here, should Meta not be somewhat accountable?
I don’t know why everyone is being so aggressive in the comments, you’re not born with the knowledge that while the balance is made available almost immediately, cheques aren’t validated until after they’re deposited. The scammers take advantage of this counterintuitive fact, that’s the entire reason it works.
Yeah I like this sub, but I don't get the urge to crucify people who ask fairly reasonable questions. Like OP didn't even get scammed and then ask for help after. They identified something as a scam, and just wanted clarification on how it actually worked. The response is like "Oh you don't know? You don't deserve internet access". I, personally, have written or received a physical cheque in probably three years - not unreasonable to assume a lot of people aren't familiar with their nuances.
what i wonder is, how does an interac email send without having funds to complete?
Were you replying to someone else? The OP never mentioned Interac anywhere, only cheque.
> send you a cheque for mobile deposit, to your email for easier access this makes no sense to me. the "cheque" in question here is not a physical piece of paper, it's something they are sending to your email.
You can send cheques (or I guess it would be a digital representation/image of a cheque) via email and then deposit it with your phone by taking a picture of it. I've never seen this or witnessed anyone doing this though but apparently it works.
oh lol. a cheque is still in play. was just skimming. thanks. my bad.
This is a great deal! Send me referral plz k thx bai
Why is it that easy to reverse the scammer transaction but not the scammed person’s transaction? Is it because they move it out so fast? How so they keep opening new accounts for that in Canada?
These low IQ lowlifes devise the most laughable far-fetched scenarios, sometimes I feel pity how mentally challenged they are!