Fake Remote Job Offer Scams, Equipment Check Kubiridzira, uye I-9 Identity Kuba.¶

Kugashira basa rekure kure mushure mekubvunzurudzwa kwemavara paMicrosoft Teams, Teregiramu, Signal, kana WhatsApp, ichiteverwa nemirayiridzo yekuisa madhora mazana matatu nemakumi mashanu "cheki yemidziyo yehofisi yemba" kuburikidza nenharembozha yekubhengi newaya kana Zelle mari kune "mutengesi anotenderwa" wekambani MacBook uye marezinesi esoftware, kana kuona ipapo mushure mekuisa kadhi rako reSocial Security, rezinesi rekutyaira pachiteshi, rezinesi rekutyaira, tarisa pasipoti. recruiter munyengeri, idambudziko rezvemari uye chitupa. Maererano neUS Federal Trade Commission (FTC) uye FBI Internet Crime Complaint Center (IC3), hutsotsi hwemabasa nehutsotsi huri pakati pehutsotsi hwemari huri kukurumidza kukura pasi rose nekuti vanoshandisa kusavimbika kuviri panguva imwe chete: 1. mitemo yebhanga yemubatanidzwa (Regulation CC / Expedited Funds Availability Act) inomanikidza bhanga rako kuti riite kuti mari yecheki yaiswa itaridzike "inowanikwa" mubhangi rako zvinotora mukati memazuva makumi maviri nemana kusvika ku48 bhizinesi. kuburikidza neFederal Reserve clearinghouse, zvichikusiya iwe pachako uine mhosva yedhora rega rega rawakatumira kune mutengesi wekunyepa; uye 2. fake Form I-9 uye Form W-4 onboarding packets anopa masangano ematsotsi akarongeka zvese zvinodiwa kuti uvhure maakaundi ekubhangi, faira zvehutsotsi zvemitero, kubira mabhenefiti ekurovha, uye mari yekubira muzita rako.

Kana chitsotsi chebasa chichisanganisira kutyisidzira kwenyama, kupambwa, kana mumwe munhu anosvika kumba kwako kuzotora mari kana mapakeji, fonera nhamba yako yekukurumidzira (911 muUnited States neCanada, 112 muEuropean Union, 999 muUnited Kingdom) kana tarisa dhairekitori redu repasi rese nhamba dze emergency pakarepo. Kune ese nyaya dzemanyepo emidziyo tarisa madhipoziti, cryptocurrency "task optimization" basa scams, kana kukanganisa I-9 / W-4 onboarding magwaro, ita matanho ekukuvadza-ane pazasi nekukurumidza.

Ita izvi ikozvino¶

1. ** USATUMIRE, waya, Zelle, Venmo, tenga makadhi ezvipo, kana kuendesa dhora kubva kune chero "cheki yemidziyo yehofisi yepamba": Hapana mushandirwi ari pamutemo munyika anozombotumira kana email cheki yekuisa muakaundi yako yebhangi uye kukuudza kuti utumire mari kune wechitatu-bato mutengesi wemidziyo kuburikidza neZelle, Cash App, Venmo, waya kutumira kana chipo, Bitcoin ATM. Kunyangwe kana app yako yekubhengi ichiratidza cheki yemadhora mazana matatu nemazana mashanu kana mazana mana nemazana mana ezviuru se "Yakatumirwa / Inowanika Balance", cheki icheki yekunyepedzera kana yakachinjirwa** inozobvondoka mukati memazuva mashanu kusvika gumi nemana, ichidzima account yako kuita chiyero chisina kunaka.
2. Kana wakatoisa cheki yemidziyo yemanyepo, fonera Dhipatimendi rebhangi rako reFraud & Check-Hold mumunhu NHASI isati yabhoweka: Usabate kana kushandisa mari yakakweretwa. Famba mubazi rebhangi chairo (kana kuti fonera Dhipatimendi reKubiridzira kuseri kwekadhi rako rekubhengi) uye utaure zvakajeka: "Ndini ndakabatwa nekunyepedzera kwechitsotsi cheki cheki. Cheki yandakaisa pa[Date] ye$[Mari] yakapihwa nemutsotsi webasa. Ndokumbirawo mumire secheki inofungidzirwa kuti ndeyemanyepo nekukasira kuitira kuti account yangu isavharwe kuitira cheki yekubiridzira uye kubirwa kweWartem.EWS)."
3. Kana iwe ukapa scammer "Voided Cheki" kana yako Bank Routing & Account Number ye "Direct Deposit", vhara iyo bank account nhasi: Scammers haibvunze yako routing uye account nhamba pane fake yakananga-dhipoziti fomu kuti vakubhadhare; vanoshandisa nhamba idzodzo kutanga ** zvechitsotsi ACH debit pulls **, kudhinda macheki emapepa emanyepo akadhirowewa kuaccount yako, kana kushandisa account yako yekutarisa sekudonhedza mari-nyurusi. Ita kuti bhangi rako rivhare nhamba yeakaundi yakakanganiswa uye uvhure nhamba yeakaundi account nyowani.
4. ** Kana iwe wakaisa yako Social Security Number (SSN), Driver's License, kana Passport pane fake Form I-9 / W-4, omesa ese matatu kiredhiti bureaus UYE ChexSystems nekukasira**: Isa yekukurumidza, yemahara Chengetedzo Yemahara pa Equifax, Experian, uye TransUnion (uye kubhengi kumisa ku ChexSystems) zvichitevera yedu mhinduro yekutyora data uye password yekuvuza gwara saka ma scammers haakwanise kuvhura makadhi echikwereti, zvikwereti zvemotokari, kana fintech yekutarisa maakaundi uchishandisa yako rezinesi rekutyaira selfie uye SSN.
5. Kiya nhamba yako yeSocial Security pa E-Verify (myE-Verify Self Lock) uye kuwana IRS Identity Protection PIN (IP PIN): Nekuti matsotsi ekubasa anotengesa akabiwa I-9 mapakeji (SSN + Mufananidzo ID) pawebhu yakasviba yebasa risina kutenderwa uye hutsotsi hwekudzosera mutero, pinda mu myeverify.uscis.gov kumisa ** Self Lock ** (kuvharira chero munhu kushandisa yako SSN kupfuudza E-Verify cheki yebasa) uye enda ku irs.gov/ippin kuwana 6-manhamba ** IRS Identity Dziviriro PIN ** saka hapana tsotsi rinogona kudzosera mutero muzita rako.
6. ** Kana muchengeti akakumbira kuti uise "remote work monitoring software" (AnyDesk, TeamViewer, ScreenConnect, kana kuti tsika .exe/.dmg script), bvisa komputa yako kubva paWi-Fi nekukasira **: Fake IT paboarding uye fake coding bvunzo dzinogara dzichiisa Remote Access Trojans (RATs) kana infostealer malware inoba makuki ebrowser yako uye crypto wallet. Chengetedza komputa uye tevera yedu malware, ransomware, uye spyware utachiona gwara.

Muti wesarudzo: tarisa kuti ndeipi nhanho yebasa scam yakaitika¶

Zvirongwa zvekunyepa zvebasa zvinoshanda kune mana ekutanga kurwisa mavector. Tevedza iyi triage flowchart zvichienderana nezvawakagovera kana kuisa:

flowchart TD
    Start["Yakaziva Remote Job Kupihwa kana Recruiter Is Scam"] --> Vector{"Ndezvipi zviito zvakaitika panguva yebvunzurudzo kana pabhodhi?"}
    Vector -->|"1. Deposited an 'Equipment / Stipend Check' (kana Kutumira Mari kune Mutengesi)"| Check["URGENT BANKING CRISIS: Usashandise Mari. Shanyira Bazi Rebhangi Nhasi Kuzvizivisa Cheki Yekunyepedzera"]
    Check --> Recall["Kana Iwe Wakatumira Zelle / Wire / Kadhi Kubhadhara: Chikumbiro Nekukurumidza Kubiridzira Kuyeuka & Faira Mapurisa + IC3 Chirevo"]
    Recall --> Chex["Dzivirira ChexSystems / EWS Kuvhara Akaundi Kuvharwa Nekupa Mapurisa & FTC Mishumo kuMutariri weBhangi."]
    Vector -->|"2. Yakatumirwa SSN, Rezinesi reMutyairi, Passport, kana W-4 / I-9 Mafomu"| ID["IDENTITY & TAX CRISIS: Imisa Equifax, Experian, TransUnion, ChexSystems & NCTUE Pakarepo"]
    ID --> Gov["Kiya SSN paUSCIS myE-Verify + Tora IRS IP PIN (irs.gov/ippin) + Monitor State Unemployment Portal"]
    Vector -->|"3. Yakapa Bank Routing & Account Number (Voided Check) kana Logged kupinda Bank via Link"| Bank["ACCOUNT TAKEOVER CRISIS: Vhara Yakakanganiswa Akaundi Account Number & Vhura New Account Number"]
    Vector -->|"4. Yakabhadharwa Crypto / USDT ku 'Optimize Tasks' kana Kuiswa 'Work Software'"| Tech["TECH & CRYPTO CRISIS: Rega Kubhadhara 'Kubvisa Mutero' (Pig Butchering) & Pukuta CheroDesk / Infostealer Malware"]

Anatomy ye4 yakakura kure basa scams (uye nei vakakuvadzwa vachivawira)¶

Matsotsi emazuva ano haatumire maemail asina kuperetera kubva kumakero emahara ewebhu. Vanokwenya tsananguro yebasa chaiyo kubva kumakambani eFortune 500 uye kutanga zviri pamutemo, spoof executive LinkedIn profiles, kunyoresa madomasi akafanana (careers-at-company.com), uye itisa kubvunzurudza kwemaawa akawanda usati wateya musungo.

Phase 1: Emergency banking kununura kana iwe wakaisa cheki yemidziyo yekunyepedzera¶

Kunzwisisa kuti mabhangi anobata sei cheki yekunyepedzera kwakakosha kuchengetedza mari yako uye kugona kwako kubata account yekubhangi mune ramangwana.

Nei "Balance Inowanikwa" Zvisingareve Cheki Yabviswa¶

Pasi peUS Expedited Funds Availability Act uye Federal Reserve Regulation CC (12 CFR § 229.10 - § 229.12), mabhanga evatengi anodiwa zviri pamutemo kuti aite yekutanga madhora mazana maviri nemakumi maviri neshanu kusvika kumadhora mazana maviri nemakumi manomwe nemashanu echeki yedhipoziti iwanikwe pazuva rinotevera rebhizinesi, uye mamwe macheki mazhinji epamba (kunyanya macheki emari ekunyepa kana cheki dzemakambani) anowanikwa mukati me2 kusvika kumazuva mashanu ebhizinesi. - Matsotsi anodhinda macheki emanyepo vachishandisa nzira yekambani chaiyo uye nhamba dzeakaundi dzakabiwa kubva mumafaira eruzhinji (saka nhamba yenzira inodarika yekutanga kusimbiswa kwemagetsi), kana kuti vanochinja cheki yakagezwa. - Cheki painozosvika kubhangi rekambani iri kuburitsa kana kuongororwa nekambani Positive Pay 5 kusvika kumazuva gumi nemana ebhizinesi gare gare, inonyadziswa uye inodzoserwa se "Kunyepedzera / Yakashandurwa / Revera kuMugadziri". - Pasi pe Uniform Commercial Code (UCC § 4-214, Right of Charge-Back), bhanga rako rine kodzero yepamutemo yekubvisa iyo yakazara $3,500 kana $4,800 kudzoka kubva muakaundi yako yecheki cheki ichingobhuroka, kunyangwe kana mufiri webhangi akakuudza paZuva 2 kuti cheki "yaitaridzika zvakanaka uye yakacheneswa."

Nhanho-ne-nhanho Protocol Yakavakirwa pane Kwauri mune Cheki Scam¶

Mamiriro A: Wakaisa Cheki Chekunyepera, Asi Hausati Watumira Chero Mari¶

Wanzvenga kurasikirwa nemari, asi account yako yekubhangi iri munjodzi yekuvharwa nekunyoreswa kubirirwa kwecheki. Kana cheki ye $3,500 yekunyepedzera ichibhowekana, automated bank risk engines (Early Warning Services / ChexSystems) haugone kuziva kuti iwe wakadhinda cheki yemanyepo kuti ubire bhanga here kana kuti wakanyengerwa netsotsi rebasa. Pasina proactive ziviso, mabhanga mazhinji anoomesa otomatiki uye kuvhara account yemutengi uye kuisa yakaipa EWS / ChexSystems chitsotsi chekupinda chinokutadzisa kuvhura account yekutarisa kune chero bhanga guru kwemakore mashanu kusvika manomwe. 1. **Siya 100% yemari yecheki isina kubatika ** muakaundi yako kuitira kuti bhangi rigone kuikwenya mushe kana ichibhamba. 2. ** Famba mubazi remuviri kana kufonera Dhipatimendi reKubiridzira rebhangi rako nekukurumidza ** (cheki isati yatanga). 3. Kumbira maneja webazi kana nyanzvi yekubiridzira kuti aise Voluntary Victim Self-Report Note pane yakamirira cheki deposit: "Ndanga ndanangwa nechitsotsi checheki yebasa. Mushure mekuisa cheki #[Number] ye$[Mari], mutsotsi wacho akandikumbira kuti ndiise waya/Zelle mari yacho kumutengesi wehardware wemanyepo. Ndakaona, kuti ndanga ndisina kubata bhengi. mari iyoyo kuitira kuti idzoserwe kana cheki ichikwira pasina kuranga account yangu yakamira kana kundibhadharisa kuvharwa kwechinhu chakadzoserwa." 4. Sevha zita uye ID yemushandi yemumiriri webhangi uye nhamba yereferensi yekesi.

Mamiriro B: Watotumira Mari (kuburikidza neZelle, Wire, Cash App, Gift Cards, kana Crypto) Cheki Isati Yabhombwa.¶

Mari yeakaundi yako yave kuda kudzikira nehuwandu hwakazara hwecheki yekunyepedzera, izvo zvinogona kusunda akaundi yako yekutarisa zviuru zvemadhora mu negative overdrawn balance. 1. ** Fonera bhanga rako Dhipatimendi Rokudzivirira Kubiridzira & Kurasika mukati meawa : - Mhan'ara zvese ** cheki yekunyepedzera iri kuuya ** uye inobuda yehutsotsi kuendesa (Zelle, waya, ACH, kana dhibhiti kadhi rekutengeserana). - Kana iwe watumira Dzimba kana International Wire Transfer mukati memaawa makumi maviri nemana kusvika makumi manomwe nemaviri apfuura, kumbira nekukurumidza Emergency Wire Recall (SWIFT gpi Stop and Recall kana Fedwire Fraud Recall) uye isa chichemo chiriporipo kuic3.gov** kutevera yedu corporate bhizinesi email kukanganisa uye waya yekubiridzira yekurangarira gwara. - Kana iwe wakatumira mari kuburikidza ne ** Zelle, Venmo, kana Cash App , shuma iyo yekutambira / nhamba yefoni kubhengi rako uye nedhipatimendi rehutsotsi redhipatimendi rekubhadhara se ** Yakatenderwa Push Payment (APP) Employment Scam / Impostor Fraud kuti iyo account yenyurusi inogashira inogona kuomeswa nechando mutsotsi asati abuda. 2. ** Nyora FTC Identity Kubiwa / Kubiridzira Chirevo (IdentityTheft.gov & ReportFraud.ftc.gov) uye Chirevo cheMapurisa eNzvimbo **: - Huya nemifananidzo yakadhindwa yetsamba yekunyepedzera yekupihwa basa, meseji yevanopinza basa, mufananidzo wecheki yekunyepera (Usambofa wakatumira mufananidzo wecheki yekunyepedzera kuburikidza neMobile Deposit kana uchinayo), uye mirairo yekuendesa mutengesi kuchiteshi chemapurisa chemunharaunda yako kuti utore ** Mupurisa Incident Report Number **. 3. ** Dzivirira ChexSystems / Early Yambiro masevhisi (EWS) Kunyora uye Kutaurirana Nekuomerwa Kubhadhara Chirongwa **: - Ipa Chirevo cheMapurisa uye FTC Report kune maneja webazi kubhangi rako. - Bvunza bhangi nekunyora: 1. Kwete kuti utaure account yako ChexSystems kana Early Warning Services pasi pe "Kufungidzirwa Kubiridzira / Kushungurudzwa Kweakaundi" kodhi (sezvo iwe uri musungwa akabatwa nemhosva); 2. Kubvisa overdraft uye kudzoserwa-cheki muripo; uye 3. Kushandura chero chiyero chisina kunaka chinobva mukubhadharisa-kudzokera kune chisina mubereko 0% APR Hardship Repayment Plan pamusoro pemwedzi mitanhatu kusvika gumi nemiviri pane kuvhara account yako nekuitumira kune zvinounganidzwa.

Phase 2: Zvekuita kana iwe ukapa scammers yako Form I-9, W-4, SSN, Passport, Driver's License, kana Bank Account Number¶

Mune akawanda emanyepo emabasa ekunyepedzera, hapana cheki yemanyepo zvachose: chinangwa chese chekubvunzurudza kwemanyepo uye "Offer Letter" ndeyekukunyengedza kuti uzadze "HR Onboarding Packet" ine yako ** Social Security Number (SSN)**, Date of Birth, Mai Musikana Zita, Driver's License / Passport scans, uye Direct Deposit Routing & Account Numbers. Ita iyi 7-point yekutarisa chinyorwa nekukurumidza:

1. Vhara Akaundi Yako Yebhangi Yakakanganisika (Kana Wakapa Cheki Yakavharwa kana Fomu Rokudhipoziti Yakananga)¶

A standard US Direct Deposit Authorization Form kana Voided Cheki inofumura yako ine manhamba mapfumbamwe ABA Routing Number, yako yakazara Checking Account Number, uye siginicha yako. - Kusiyana nemakadhi ekubhengi, iyo US Automated Clearing House (ACH) network inobvumira chero mutengesi, mubhadharo processor, kana mubhadhare ane yako routing uye account nhamba kuti atange ACH Debit Pull kunze kweakaundi yako, kana inobvumira matsotsi kudhinda mapepa emanyepo echeki aine magineti. MICR inki inodhirowewa zvakananga kuaccount yako. - **Usangokumbira bhangi rako kuti "ritarise" account **: Raira bhangi rako kuti **ivhare zvachose nhamba yeakaundi yekutarisa / yekuchengetedza yakakanganiswa ** uye vhura ** account-nyowani nhamba yeakaundi ** (kutumira bhangi rako repamutemo pamusoro nekudzima "kutumira otomatiki kweACH debits" kubva kune yekare yakavharwa account nhamba).

2. Kumisa Mabhengi Ese matatu Munyika Yese UYE Specialty Banking Bureaus¶

NeSSN yako, Zuva Rekuzvarwa, uye nepamusoro-resolution scan yeDriver's License kana Passport, matsotsi anogona kudarika chero bhangi repamhepo kana mukweretesi. KYC (Ziva Mutengi Wako) tarisa. Isai ese mashanu emahofisi aya nhasi (100% yemahara nemutemo wemubatanidzwa pasi 15 U.S.C. § 1681c-1): 1. Equifax: equifax.com/personal/credit-report-services/credit-freeze/ (1-888-298-0045) 2. Experian: experian.com/freeze/center.html (1-888-397-3742) 3. TransUnion: transunion.com/credit-freeze (1-800-916-8800) 4. ** ChexSystems (Kutarisa & Kuchengeta Akaundi Kuvhura Freeze)**: chexsystems.com -> * Isa Chengetedza Kumisa * (1-800-428-9623) Freezing ChexSystems inodzivirira matsotsi kushandisa foto yako yeDriver's License yakabiwa uye SSN kuvhura maakaundi ekuongorora epamhepo echitsotsi (akadai seChime, SoFi, Ally, kana Chase account) muzita rako kutapa mari. 5. NCTUE (National Consumer Telecom & Utilities Exchange): nctue.com (1-866-349-5355) kumisa scammers kubva pakubhadhara maPhones nemaserura mitsara pasi peSSN yako.

3. Activate myE-Verify Self Lock Kuvhara Basa Risina Kutenderwa Pasi Penyu SSN¶

Paunopa iyo yapera USCIS Form I-9 (Employment Eligibility Verification) pamwe nemifananidzo yako ** Rondedzero A** (US Passport) kana ** Rondedzero B + Rondedzero C** (Rezenisi reMutyairi + risingabvumirwi Social Security Kadhi) zvinyorwa, mabhuroka ewebhu anotengesa iwo chaiwo "akasimbiswa. I-9 bundle" kune vanhu vasingakwanisi kushanda zviri pamutemo pasi pekuzivikanwa kwavo. Kana mumwe munhu akashandisa yako I-9 bundle kuti vawane basa, mushandirwi wavo anoshuma makumi ezviuru zvemadhora mukati W-2 kana 1099 muhoro kuIRS pasi peSocial Security Number yako, zvichikonzeresa IRS ongororo yemutero uye mabhiri emutero wekumashure achipokana newe. - Enda kune yepamutemo US Dhipatimendi reHomeland Security / USCIS portal ku myeverify.uscis.gov. - Gadzira account yako, pfuura chitupa chekuongorora, uye ubatidze Self Lock. - Kamwe ** Self Lock ** iri kushanda, kana chero munhu akaedza kushandisa yako Social Security Number kupfuudza E-Verify cheki chebasa kune chero anotora chikamu mushandirwi weUS, sisitimu yacho inobva yavhara mutambo ne Tentative Nonconfirmation (Mismatch) uye inokuzivisa. (Pese paunotanga basa chairo iwe, unogona kuvhura kwenguva pfupi Self Lock mumasekonzi makumi matatu).

4. Wana IRS Identity Protection PIN (IP PIN) uye File Form 14039¶

Yakabiwa Form W-4 + SSN inobvumira matsotsi kuti anyore fake yekutanga federal tax kudzoka muna Ndira kuti akube mari yako yemutero, kana kukunamatira nemitero isingabhadharwe pane phantom. W-2 / 1099-NEC mari. 1. Enda ku irs.gov/ippin uye kunyoresa mu ** IRS Identity Dziviriro PIN (IP PIN)** chirongwa. 2. Iyo IRS ichakurumidza kugadzira chakavanzika ** 6-manhamba IP PIN**. Kana yangonyoresa, **makomputa eIRS anoramba chero zvemagetsi kana bepa Form 1040 mutero unodzoserwa pasi peSocial Security Number yako isingabatanidzi yako yakavanzika 6-manhamba PIN **. 3. Kana iwe ukawana mubairo usina mvumo wakataurwa pasi peSSN yako, tarisa yako Social Security Earnings Record pa ssa.gov/myaccount uye tumira IRS Form 14039 (Identity Theft Affidavit) online kuburikidza IdentityTheft.gov.

5. Tarisa uye Kiya Yako State Unemployment Insurance (UI) Portal¶

Yakabiwa I-9 uye W-4 mapaketi ndiwo # 1 mafuta e ** State Unemployment Insurance (UI) Impostor Fraud** (apo vanonyengerera vanofaya mabhenefiti evhiki nevhiki ekushaikwa kwemabasa muzita rako vachishandisa SSN yako, zuva rekuzvarwa, uye nhoroondo yemushandirwi kubva pakutangazve kwako). - Enda kune yako ** State Dhipatimendi reVashandi / Workforce Agency webhusaiti ** NHASI. - Nyoresa yako yega yepamutemo yepamhepo Inishuwarenzi yekukumbira chimiro (kunyangwe iwe usina chinangwa chekukumbira mabhenefiti) uchishandisa yakasimba Multi-Factor Authentication (MFA) saka munyengeri haakwanise kunyoresa account pasi peSSN yako kutanga. - Kana iyo portal yenyika ichiti "Akaundi yatovepo yeiyi Social Security Number", faera ipapo State Unemployment Identity Theft Report panzvimbo yekubira yebazi rehurumende kuti usagamuchire chitsotsi IRS Form 1099-G kune mabhenefiti ausina kumbotora.

6. Mureza kana Kutsiva Rezinesi Yako Yekutyaira uye Passport¶

Nekuda kwekuti iwe wakarodha yakajeka color scan yeDriver's License kana Passport (uye pamwe "liveness selfie"), matsotsi anogona kushandisa iwo mapikicha kuti apfuure macheki ekuzivikanwa kana kudhinda maID emanyepo emhando yepamusoro: - ** Rezinesi reMutyairi**: Isa yako yekwako ** Chirevo cheMapurisa ** ichinyora kukanganiswa kwenhamba yako yerezinesi reMutyairi, uye ubate nyika yako ** Dhipatimendi reMotokari (DMV) Fraud Unit ** kuisa mureza wekubiridzira pane rekodhi rezinesi rako (kana kukumbira rezinesi rekutsiva neadhi itsva / gwaro rekusarura nhamba DD) - *Pasipoti : Kana iwe wakangotumira * fotokopi / pikicha yepeji yeruzivo rwepasipoti yako (uye uchiri kubata bhuku rako repasipoti muruoko rwako), haufanirwe kudzima pasipoti yako kunze kwekunge warairwa nevemutemo, asi ** kana pipoti yako yepanyama yakatumirwa kure kana iwe uchida kuita kuti nhamba yepasipoti isashande pane yako. I-9 scan saka inotadza otomatiki DHS gwaro-nhamba macheki, unogona kuudza pasipoti yakakanganiswa uye wonyorera bhuku rekutsiva nenhamba-nyowani yepasipoti kuburikidza travel.state.gov** (ited States), HM Passport Offe (United Kingdom), kana Passport Canada.

Maonero ekuona kuti basa rekure kure riri rechokwadi here kana kuti chitsotsi mukati memaminitsi matatu¶

Usati wamboisa chitupa kana kugamuchira tsamba yekupihwa, edza munyoreri achipesana neizvi **7 Mitemo Isingaenderane Yekurojera Kwepamutemo **:

Copy-and-Paste Script: Yakanyorwa Chiziviso kuBhangi Rako Mushure meFake Basa Chengeta Deposit¶

Kana cheki yemidziyo yekunyepedzera yakabhoweka (kana kuti yave kuda kubhuroka) uye iwe unoda kuchengetedza account yako yekutarisa kubva kuvharwa uye kutaurwa zvisina kunaka ku ** ChexSystems ** kana ** Early Warning Services (EWS)**, endesa neruoko kopi yechinyorwa ichi chakasainwa (nePolice Report yako uye FTC Report yakanamatira) kune maneja webazi rebhangi rako woiisa kubhengi rako rekubiridzira portal:

[Your Full Name]
[Your Address & Phone Number]
Account Number: [Last 4 Digits of Compromised Account]
Date: [Date]

TO: Branch Manager & Fraud / Loss Prevention Department, [Name of Bank]

RE: VICTIM SELF-REPORT OF EMPLOYMENT CHECK SCAM & REQUEST TO PREVENT ADVERSE CHEXSYSTEMS / EARLY WARNING SERVICES (EWS) REPORTING
FTC Fraud / Identity Theft Report #: [Insert Number]
Local Police Incident Report #: [Insert Number]

To Whom It May Concern:

I am writing to document that I was targeted and deceived by a criminal employment fraud syndicate impersonating [Name of Impersonated Company]. After a fraudulent remote hiring process, the scammers provided me with Check #[Check Number] dated [Date] in the amount of $[Amount], purportedly as a home-office equipment stipend, and instructed me to transfer funds to an external hardware vendor.

Upon discovering that the job offer and check were fraudulent, I ceased all communication with the scammers, filed Official FTC Report #[Number] and Local Police Report #[Number] (attached), and notified [Name of Bank].

Because I am a documented crime victim who acted in good faith and had no knowledge that Check #[Check Number] was counterfeit, I respectfully request that [Name of Bank]:
1. Flag Check #[Check Number] as the instrument of third-party employment fraud against a victim, and NOT attribute any fraudulent intent or account abuse to me personally;
2. Refrain from reporting any negative Suspected Fraud or involuntary account-closure code under my name or Social Security Number to ChexSystems, Early Warning Services (EWS), or TeleCheck;
3. Transition my remaining legitimate funds to a newly numbered checking account to prevent unauthorized ACH debits by the scammers; and
4. Waive returned-item fees and, if a negative balance resulted from this scam, allow me to resolve the balance via a structured hardship repayment plan.

Sincerely,

[Your Signature & Printed Name]
Enclosures: FTC Identity Theft Report, Local Police Report, Copies of Fraudulent Job Offer & Check Instructions

Mibvunzo inowanzo bvunzwa¶

Sei bhangi rangu rakandiudza cheki yebasa kuti "yakabviswa" kana yaive cheki yemanyepo?¶

Kana mutengesi webhangi kana mobile banking app ichiratidza kuti mari yecheki yakaiswa Inowanikwa mushure memazuva 1 kusvika maviri ebhizinesi, hazvireve kuti cheki yabvisa bhangi rabuda kana kuti yakasimbiswa kuti ndeyechokwadi. Pasi peUS Expedited Funds Availability Act (Federal Reserve Regulation CC, 12 CFR Part 229), mabhanga anosungirwa nemutemo wemubatanidzwa kuburitsa mari dzenguva pfupi kuvatengi mukati me1 kusvika kumazuva maviri ebhizinesi, nguva refu cheki isati yapedza 5-to-14-day interbank clearinghouse kutenderera. Matsotsi ebasa anoshandisa iyi gap remazuva mazhinji kuti akunyengedze kuti uise waya kana kutumira mari chaiyo kubva muakaundi yako cheki yekunyepedzera isati yabhowekana uye bhanga rako rinodzosera chikwereti chenguva pasi peUniform Commercial Code Chikamu 4-214.

Ndingaende kujeri here kana kumhan'arirwa kana ndakaisa cheki yenhema kubva kune anobira basa?¶

Kana iwe wakanyengerwa nemutsotsi webasa, wakabatana nekukurumidza nebhangi rako, uye ukaisa Police Report uye FTC Identity Theft Report, uri mhosva kwete mupari wemhosva uye haungatarisana nemhosva nekuda kwekunyengedzwa kuisa cheki imwe yenhema. Zvisinei, pasi pemitemo yekubhanga yeUniform Commercial Code, unoramba uchizvidavirira kubhangi rako nekubhadhara mari yawabvisa kana kutamisa cheki yemanyepo isati yabvongodzwa, uye unofanira kurega kubvuma kana kutumira mamwe macheki, kutamiswa, kana mapasuru kuitira kuti usaite senyurusi remari.

Ndinokiya sei nhamba yangu yeSocial Security kuti pasave nemunhu anogona kushandisa Fomu rangu rakabiwa I-9 kuwana basa?¶

Gadzira yemahara account yako paUSDhipatimendi reHomeland Security uye USCIS myE-Verify portal (myeverify.uscis.gov) uye gonesa chimiro chinonzi Self Lock. Kana Self Lock yavhurwa, kana chero munyengeri akaedza kushandisa yako Social Security Number paFomu I-9 paE-Verify mushandirwi, sisitimu inovhara cheki yemvumo yebasa uye inokuzivisa; unofanirawo kutora 6-manhamba yeIRS Identity Dziviriro PIN pa irs.gov/ippin uye kuomesa zvikwereti zvako mafaera kuEquifax, Experian, TransUnion, uye ChexSystems.

Kwatariswa¶

• Federal Trade Commission (FTC, United States): Chitsotsi Chebasa, Chitsotsi Chekunyepera Kubhadhara Kwakawedzerwa, uye IdentityTheft.gov Employment Identity Theft Recovery Protocols.
• Bhodhi reMagavhuna eFederal Reserve System & Hofisi yeMutongi weMari (OCC): Regulation CC (12 CFR Part 229, Kuwanikwa kweMari uye Kuunganidzwa kweCheki) uye Uniform Commercial Code (UCC § 4-214) Provisional Credit Charge-Back Rules.
• Federal Bureau of Investigation (FBI) Internet Crime Complaint Center (IC3): * PSA Alerts paKushanda-Kubva-Kumba Equipment Tarisa Kubiridzira, Cryptocurrency Task Optimization Employment Scams, uye Mari Mule Recruitment*.
• US Citizenship uye Immigration Services (USCIS / Dhipatimendi reKuchengetedzwa Kwenyika): myE-Verify Self Lock Chirongwa Chekuchengetedza Social Security Nhamba Pakupokana Nezvisina Kutenderwa Form I-9 Employment Fraud.
• Internal Revenue Service (IRS, United States): Identity Dziviriro PIN (IP PIN) Kunyoresa (irs.gov/ippin) uye Employment-Related Identity Theft (Form 14039) Kugadzirisa.

Mazano anoenderana¶

• Mhinduro yekutyora data, mapassword akaburitswa, uye kiredhiti inomiswa
• Corporate bhizinesi email compromise (BEC) uye waya yekubiridzira kuyeuka
• Cryptocurrency wallet drain, mutsara wembeu kukanganisa, uye kudzoreredza mvumo
• Malware, ransomware, uye spyware utachiona kubviswa
• Nhamba dzenjodzi nenyika