ACH fraud? Identity theft? What should I do?
We don’t all have equal opportunity.
But we all have the opportunity to be better than what we currently are.
We ALL have the opportunity to be, and do better than we did yesterday.
Let me say that again and allow it to sink in
.
We don’t all have equal opportunity.
But we all have the opportunity to be better than what we currently are.
We ALL have the opportunity to be and do better than we did yesterday.
WE ALL have the opportunity to learn more today than we did yesterday
WE ALL have the opportunity to GROW more today than we did yesterday
WE ALL have the opportunity to become MORE than THEY thought we could become!
WE ALL have the opportunity to ATTRACT whatever we desire into our experience.
IT IS UP TO YOU
And you alone.
IF, you take responsibility for your life.
And seek the opportunities you wish to find,
you WILL find them,
and when you do:
FIND THEM and CONQUER THEM.
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UPDATE ABOVE
I own a small business and am a customer of a large corporation. I had a balance to pay off, and I received an email with a reminder to pay and employer information; they stated that the account number had changed and that I should send money to the new one. That sounded suspicious to me, so I contacted their primary accountant to confirm the information, who informed me that sure, this individual works for us and this is their phone number (he just noticed that last number was off but other than that he confirmed that this person works for them). I also supplied the new account number, and he basically responded, “Do whatever they tell you, I confirm.”
After that, I transferred the funds on Friday and chilled. On Tuesday, the lady (whose name and surname were on the email) called and asked when I was going to pay. I told her that I sent an ACH transfer on Friday, that I emailed her, and that she acknowledged receiving it, so what’s the deal? She was taken aback because she had never communicated with me via email…. So, what’s next? Who was duped here? Is it me or them? They told me that I needed to handle this with the bank and that they needed to block me for the time being because I still ‘owed’ them the money… It was a few thousand dollars, and I am a tiny business, and they are my primary supplier, so I am practically screwed. Is there anyone who knows what to do? ACH fraud? Identity theft? What should I do?
FIRST UPDATE
Fraud Agency filed a lawsuit
It’s getting weird, you guys; the first email I received was from the LEGIT staffer, reminding me that I needed to pay the money and that they had changed bank numbers. THAT IS A VALID MESSAGE. FROM A TRUE EMAIL. I responded to this email SOMEHOW – any thoughts welcome – but misspelt it WHILE CLICKING THE REPLY BUTTON. How is that even possible? Was I being mirrored, and someone made an email? What exactly is going on? Furthermore, that employee stated that neither the original mail nor the misspelt ones were ever forwarded to me. That email (complete with jumbled letters) was written the day before the transfer. How is this even possible? Can somebody solve this?
Update No. 2
Okay, so let me explain some things out because I understand it’s all a little confusing. There is a lot of stress, and everything is happening right now.
In terms of chronological order:
I received a payment reminder via email from a legitimate employee, with the following information: ‘we have new account, let me know when you will make payment and I will then provide you the specifics’.
This employee who has this email claims to have never emailed with me*
I answered, “I’m going to make payment on Friday; please email me the details.” The REPLY went SOMEHOW to this misspelt email (while I type this, I checked, and if I try to reply to her LEGIT email, it changes to the misspelt one!!!) I don’t TYPE IT; I simply click the Reply button, and the response is sent to the misspelt email address!! As though someone performed a redirect?)
I obtained account information from the misspelt email, along with a pdf invoice that resembled their regular invoice. And fresh banking information that I was informed I would receive from the legitimate email.
Is it possible that her account was hacked? Or is this still possible on my side? (through mirroring, etc. – I don’t think that’s still possible because someone had to reroute all her messages to hackers email, correct? or is it possible that the redirect just occurs for me?) ACH fraud? Identity theft? What should I do?
UPDATE NO. 3
The bank has stated that it is working to reverse the ACH transfer. People, keep your fingers crossed!
The supplier has contacted me and is collaborating; they have cleared my account, for example. They did comprehend and, I believe, tested that the breach was on their side. They have legal teams working on the case and have also informed authorities.
I’m delighted they unblocked me, but I’m also hoping to get my money returned and hope that the crooks are caught…
CANDID ADVICE
It’s a bad circumstance, and you did everything right. I’m not sure about your bank’s stance, but at least at the bank I worked at, you’d be screwed because you willingly typed the information in and sent it yourself. It stinks because, even if the merchant is at fault, they will just leave you holding the bag.
I just wanted to confirm a couple things.
First, do you have a company bank account or do you use your personal bank account for your business? Is your company’s name and EIN on the bank account, for example?
You then stated that you contacted the principal accountant. What method did you use to obtain their contact information? And you write that the main accountant indicated the phone number was off by one digit; does this mean you made a typo when speaking with him, or were the phone numbers actually two separate (but similar) numbers?
Have you followed up to ensure they actually did not get your payment? Sometimes it takes longer than intended, or the individual you spoke with made an error.
Were you able to confirm that the email address used to send you the email belonged to the person who sent it? or did they make it appear to be from a real person, but the email address was Scammer@scammer.net?
So far, it appears that you were duped. ACH fraud? Identity theft? What should I do?
THESE HACKERS HACK BANK SERVERS TO CREATE CLEAN MONEY TRANSACTIONS.
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Account with a commercial bank
I’ve worked with this company for over ten years – they’re my main supplier; I know this person and have contacted him on numerous occasions – he’s 100% legit if that’s what you’re looking for. When I inquired if that employer was ‘theirs’ (email had name and surename tied to it, as in any firm), he answered that yes, he is her boss and that I should listen to what she says And that she will take care of my account. When he confirmed her name and other details, I questioned whether that was also her phone number, and he responded, ‘sure, except the final digit is 3 not 8’ but because they are so similar, he said she must’ve put it incorrectly…
They tracked me down. I sent the transfer on Friday (14th), and they (the girl I was ’emailing’ with) phoned me today to ask why I hadn’t sent the transfer yet, and when I would. I informed her I had emailed her, and she confirmed that she had received it. She stated that she had never emailed with me.
The email address looked just like theirs – it was linked with name and surename of employer so on my mail I saw this (name) as main contact data as normal -‘she’ provided me exact amount I owed, know the payment time was coming up so she had all the ‘inside’ details that made me think it was them. Later, when I checked my email after she said she never spoke with me, I noticed that when they had email: name.surename@business.com, it was basically like: ‘@buisness.com,’ so one letter was combined with the other – something you would probably never notice when knowing the company etc… Also, when I made a bank transfer, I asked the bank if this account belonged to this organisation, and the lady confirmed the company name…
I hope this clarifies some things. Please let me know if you have any suggestions. I’ve been on the phone with the bank for almost two hours and have been switched to the eighth person.
This is referred to as Business Email Compromise. A fraudster either gets control of the vendor’s email account and convinces individuals like you to wire the payment to a separate bank account OR the fraudster spoofs the vendor’s email address by creating a similar-looking email address, such as changing the letter l [elle] to a capital I I
Watch to see if your bank is able to retrieve the monies. If they are unable to recover, I would attempt to have the company accept some responsibility because you called their accountant to confirm the new payment instructions, and the accountant effectively affirmed it. Inform them that if they do not reach an arrangement with you, you will seek legal advice.
This has happened to me. Their e-mail appears to have been intercepted, and you did the proper thing by phoning to confirm, as the person confirmed with you. Things get a little problematic because you did authorise the payment. Bring any communication you have about the mix-up on the Company’s end, and request to file an ACH dispute with your bank; they will very certainly ask you to file a police report.
Thank you for your prompt response! Yes, I am aware. I only authorised because the head accountant advised me to because he knows that lady (the hacker did use her name and surename and she does work there). Also, while completing the transfer, I inquired in the bank when they called to confirm the transaction: does this account belong to this and that company, and they confirmed… so what else could I do? Every incidence highlighted my reservations, which is why I am even more irritated because I am clearly the victim here, but I did everything I could to avoid becoming one of you get me… Do you have any clue how long it takes to resolve an ACH dispute? I sent money on Friday (14th) and that company called me today to say they never received payment, therefore today is day 4 if I include the weekend.
You’ve seen this happen, you say, with what results? Was the money ever found? How soon can I anticipate it? Any more thoughts on this case…? It also bothers me that this firm doesn’t seem to care, and it appears that their system was accessed, and I was taken as a result. Also, I’m contacting the bank right now, and 7 people have already been redirecting me; do you think I should go into branch, or will they not help…? Is the phone the only option?
Who gave you the contact information for the “primary accountant?”
To cancel a planned payment, you must submit your request at least three working days before the payment date.
Did your ACH transaction go through?
This guy is genuine; I’ve known him and the company for over ten years. I am confident he is genuine. I chatted with him several times, and the company is a massive corporation.
As far as I know, the ACH is instant, and I sent it on Friday. It did clear up on my end.
UPDATE: The case has been closed with the Fraud Agency.
It’s getting weird, you guys; the first email I received was from the LEGIT staffer, reminding me that I needed to pay the money and that they had changed bank numbers. THAT IS A VALID MESSAGE. FROM A TRUE EMAIL. I responded to this email SOMEHOW – any thoughts welcome – but misspelt it WHILE CLICKING THE REPLY BUTTON. How is that even possible? Was I being mirrored, and someone made an email? What exactly is going on? Furthermore, that employee stated that neither the original mail nor the misspelt ones were ever forwarded to me. That email (complete with jumbled letters) was written the day before the transfer. How is this even possible? Can somebody solve this?
Your update is very significant information, providing it is all accurate and not a mistake made by someone at the organisation. I would recommend that you change your OP to include the Update so that it is more noticeable.
What I’m confused about right now is how the company did not receive money. If the email with the updated account number genuinely came from the employee’s email address and not a similar email address, the employer should have received the payment to their new account. The only exception I can think of is if someone gained access to an employee’s email and used it to send a phoney message.
Check to see if your bank can perform a R06 recall. Otherwise, ACH originations are normally a loss when you initiate them voluntarily. ACH fraud? Identity theft? What should I do?
I’d also urge the corporation to investigate the apparent data leak. Also, inquire whether they have had similar concerns.
Just to add, if the not real account differed by one digit from the real account, it is either (1) not a genuine account, in which case it would be refunded to you, or (2) an account at the same financial institution as the company you were intended to pay.
If #2, have that company call their bank and explain that an ACH was issued to the erroneous account and provide the incorrect account number. Because ACH transactions have names associated to them, the bank should be able to see that it was sent in the business name and may be willing to fix it on their end.
No, I believe you have misunderstood. The account number was completely different from the old one; the email with the correct account number was misspelt by one letter. The first email I received was from a legitimate employee’s email, and when I answered to request account information, the misspelt one responded. I explained it in update #2 to the original post.
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