不只台灣有民生詐欺案件

景氣不好時 往往治安跟著不好
當然偷拐搶騙的事也層出不窮
生活在台灣 每個人應該都有接到詐騙電話的經驗吧?!
在東亞
台灣絕對稱得上電話詐欺始祖
甚至後來還將我們的"台灣經驗"copy到日本、大陸、韓國
發揚光大

想不到有人的地方
就有很多社會現象是相通的
美國也很多民生詐欺呢 !(司法在偵辦電話詐欺、郵購詐欺等案件 ,稱為民生詐欺案件,因為與民生問題息息相關)
只是因國情不同
詐欺的類型和我們不同
還蠻有趣的(因為沒有被騙成功啦..:)
##CONTINUE##

是這樣的...
因為我們要搬家
為了減輕搬家的負擔
我們室友上craigslist網站
刊登出售雙人床的廣告
很快的就有人回信要買
連殺價及問雙人床現況都沒有哦!
說什麼因換工作而搬到西岸等

又過一、二天
說已將cashier's check(銀行支票..類似台支..發票人先付款給銀行購買支票..比較不會跳票..較有保障)寄過來了
但後來才發現銀行弄錯了
床的價格只有$200
卻開了$1950的票面金額
因為他沒錢給搬家公司運費
希望我室友收到cashier's check後
趕快拿到銀行兌現
$100留著當車馬費
然後把溢收的$1650(真是太狠了...)
另外買一張cashier's check寄回去給他

因為之前曾聽說過類似的詐騙事件
我們上網找相關案例
果然
這是美國常見的一種詐騙手法

美國和台灣不同
在台灣如果是私人間買賣
我們通常以ATM轉帳
但美國習慣開支票
相較於personal check
cashier's check是比較有保障的支票
因為personal check可能在兌現時
發票人仍未將錢軋入帳戶內而跳票
cashier's check是發票人已先用錢向銀行買這種支票
所以銀行會保證付款

問題是上述詐欺案件
通常是從國外購買 例如奈及利亞
支票往往是偽造有瑕疵的
兌現時
託收銀行會先將支票暫存入你的帳戶
看起來好像存款有增加
但託收期間有數天
可能過幾天後
託收銀行告訴你因為支票有問題
所以無法從付款銀行取得款項
而將原本看起來增加的款項扣減
所以如果在還沒確定託收成功前
就誤以為支票已兌現 錢已進自己帳戶
而另外開一張支票給對方
那麼就虧大了

這讓我想起我在台灣時
曾有一次將收到的台支存到我的帳戶
我的存款確實增加不少
但櫃台小姐有在存摺上附記幾月幾日前託收之類的文字
並且告訴我要過幾天這筆錢才會進來
讓我知道雖然存款餘額有增加
但那只是"暫時"的
現在想一想
這真是好負責任的態度哦!!!

以下是在Internet Crime Complaint Center網站上看到
有關網路犯罪的資料
其中就有提到cashier's check的詐欺手法
http://www.ic3.gov/crimeschemes.aspx

Counterfeit Cashier's Check

The counterfeit cashier's check scheme targets individuals that use Internet classified advertisements to sell merchandise. Typically, an interested party located outside the United States contacts a seller. The seller is told that the buyer has an associate in the United States that owes him money. As such, he will have the associate send the seller a cashier's check for the amount owed to the buyer.

The amount of the cashier's check will be thousands of dollars more than the price of the merchandise and the seller is told the excess amount will be used to pay the shipping costs associated with getting the merchandise to his location. The seller is
instructed to deposit the check, and as soon as it clears, to wire the excess funds back to the buyer or to another associate identified as a shipping agent. In most instances, the money is sent to locations in West Africa (Nigeria).

Because a cashier's check is used, a bank will typically release the funds immediately, or after a one or two day hold. Falsely believing the check has cleared, the seller wires the money as instructed.

In some cases, the buyer is able to convince the seller that some circumstance has arisen that necessitates the cancellation of the sale, and is successful in conning the
victim into sending the remainder of the money. Shortly thereafter, the victim's bank notifies him that the check was fraudulent, and the bank is holding the victim responsible for the full amount of the check.

If you believe you may have fallen victim to this type of scam and wish to report it, please file a complaint with us.

＃以下是部分的詐騙信件：

Hi and how are you doing ? I just receive the confirmation from theBank that the payment as been issued out and was mailed by the FedEx.It will be delivered to your address a day from now according to the courier ,but to my greatest surprise the draft wasissued out for my monthly pay check $1,950 instead of the actual costof my purchase .

The Bank claimed that i requested for my monthly pay check to be issued out to you but am very sure i only made a request for the cost of the goods to be made out to your name .This is a terrible mistakeand i was just informed about this so please once the check isdelivered please take it to your Bank and have it cashed as advisedby the accounting officer at the Bank.

You will then deduct the cost of my purchase plus an extra $100 to offset the cost of your run around expenses.The rest of the fund should be sent to my mover via western union the same day you doreceive the payment so that my mover can make the trip over for thepick at once.

**I will need your immediate response via email assuring me that i can trust you to handle this with care and have the remaining fund returned appropriately.I am hearing impaired and will hope that your intentions remains noble though out the duration of this transaction**
Thanks.