Scams, Scams, Everywhere You Look.

by admin on August 25, 2011

I received an email this morning from, allegedly, NACHA, The Electronic Payments Association. It had an official looking logo at the top and the following message:

The ACH transfer (ID: 15569073283202), recently sent from your checking account (by you or any other person), was rejected by the Electronic Payments Association.

Rejected transfer
Transaction ID: 15569073283202
Reason of rejection See details in the report below
Transaction Report report_15569073283202.pdf.exe (self-extracting archive, Adobe PDF)

13450 Sunrise Valley Drive, Suite 100 Herndon, VA 20171 (703) 561-1100
2011 NACHA – The Electronic Payments Association

Can anyone see anything wrong here? I hope so.

First of all, you should always be very wary of any email which has anything to do with bank accounts, credit accounts or personal information.

Second, what is a “self-extracting archive, Adobe PDF” anyway? It looks like an .exe file from the way it is written, which is a huge red flag. Never click on an .exe file from anyone you don’t unconditionally trust, and even then think twice about it.

When I hovered the cursor over the link for the .exe file, it showed a website address of http://nachaclientsinfo.com. I didn’t bother clicking on it. I’m sure it is official looking and will ask me to “verify” bank account and routing information. In other words, give them the keys to my bank account.

I also Googled the phone number which led me to a website from the real NACHA, asking consumers to forward scam emails to them, which I did.

I could see at first glance that this was a scam. I just went through the motions because I was curious, and thought it would be something to share.

What scams have you seen out there?

{ 4 comments… read them below or add one }

Randy Mitchelson September 10, 2011 at 5:38 am

One major scam that payday loan applicants are exposed to is fake debt collectors calling on the phone and intimidating them in an attempt to extort money – even if the the consumer didn’t follow through on taking out the loan. We have heard from hundreds of readers who have been affected by this. Read more here: http://www.dailydollarnewsletter.com/2011/02/09/warning-payday-loan-collections-scam/

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admin October 19, 2011 at 5:42 pm

Interesting, Randy. Thanks for posting this!

Reply

Bigo September 21, 2011 at 1:26 pm

People like this should not exist. I just received the email.

Reply

admin October 19, 2011 at 5:43 pm

I agree, Bigo. Unfortunately they are out there. We should all look at things with a watchful eye. Sounds like you are doing just that.

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