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Fake Remote Job Scams, The Equipment Check Fraud, le I-9 Identity Theft

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Ho fumana mosebetsi o hole ka mor'a puisano e thehiloeng ho mongolo ho Li-Microsoft Teams, Telegraph, Signal, kapa WhatsApp, e lateloe ke litaelo tsa ho beha "cheke ea lisebelisoa tsa ofisi" ea $ 3,500 ka sesebelisoa sa mobile banking le terata kapa chelete ea Zelle ho "morekisi ea amohetsoeng" bakeng sa k'hamphani ea MacBook le laesense ea software, kapa ho hlokomela hang kamora ho kenya karete ea hau ea Ts'ireletso ea Sechaba, laesense ea ho khanna le ho lekola pasepoto. mohiruoa ke moikhakanyi, ke mathata a mabeli a lichelete le a boitsebahatso. Ho latela US Federal Trade Commission (FTC) le Setsi sa Litletlebo sa Botlokotsebe ba Marang-rang sa FBI (IC3), bomenemene ba mesebetsi le mesebetsi ke tse ling tsa bomenemene ba lichelete bo ntseng bo hola ka potlako lefatšeng ka bophara hobane ba sebelisa likotsi tse peli ka nako e le 'ngoe: 1. melao ea libanka ea federal (Regulation CC / Expedited Funds Availability Act) e qobella banka ea hau ho etsa hore lichelete tsa cheke tse kentsoeng li shebahale "li fumaneha" ho balanse ea hau ho nka lihora tse 24 ho isa ho tse 48 ho lekola khoebo ea hau nakong ea matsatsi a 24 ho isa ho a 48. ka Federal Reserve clearinghouse, e u siea u le molato oa dolara e 'ngoe le e 'ngoe eo u e rometseng ho morekisi oa fake ea molotsana; le 2. fake Form I-9 le Form W-4 lipakete tsa ho palama li fa mekhatlo ea botlokotsebe e hlophisitsoeng ntho e 'ngoe le e 'ngoe e hlokahalang ho bula liak'haonte tsa banka, ho kenya lipampiri tsa lekhetho tse qhekellang, ho utsoetsa melemo ea ho hloka mosebetsi le ho lahla chelete ka lebitso la hau.

Haeba bolotsana ba mosebetsi bo kenyelletsa litšoso tsa 'mele, ho tlatlapa, kapa motho e mong ea fihlang ha hao ho tla nka chelete kapa liphutheloana, letsetsa nomoro ea hau ea tšohanyetso ea sebakeng sa heno (911 United States le Canada, 112 ho pholletsa le European Union, 999 United Kingdom) kapa sheba bukana ea rona ea machaba dinomoro tsa tshohanyetso hanghang. Bakeng sa linyeoe tsohle tsa lisebelisoa tsa fake, hlahloba li-deposit, cryptocurrency "task optimization" scams tsa mosebetsi, kapa tse sekiselitsoeng I-9 / W-4 litokomane tsa onboarding, phethahatsa mehato ea ho thibela tšenyo e ka tlase hang-hang.

Etsa sena hona joale

  1. ** U SE KE UA romela, terata, Zelle, Venmo, reka likarete tsa limpho, kapa u fetisetsa dolara e le 'ngoe ho tsoa "chekeng efe kapa efe ea lisebelisoa tsa ofisi ea lapeng"**: Ha ho mohiri oa molao lefatšeng ea tla ke a u romele kapa a u romelle lengolo-tsoibila la cheke ho e kenya akhaonteng ea hau ea banka mme a u joetse hore u fetisetse chelete ho morekisi oa lisebelisoa tsa mokha oa boraro ka Zelle, Cash App, Venmo, phetisetso ea mohala kapa limpho, karete ea Bitcoin ATM. Leha sesebelisoa sa hau sa banka se bonts'a cheke ea $3,500 kapa $4,800 e le "Posted / Available Balance", cheke ke **cheke ea maiketsetso kapa e fetotsoeng ** e tla tlokoma ka mor'a matsatsi a 5 ho isa ho a 14, e hlakola ak'haonte ea hau hore e be chelete e fosahetseng.
  2. Haeba u se u kentse cheke ea thepa eo e seng ea 'nete, letsetsa Lefapha la Bomenemene le Lichelete la banka ea hau ka seqo KAJENO pele e qhoma: Se ke oa ama kapa ua sebelisa chelete e kentsoeng. Tsamaea lekaleng la 'mele la banka (kapa letsetsa Lefapha la Bomenemene ka morao ho karete ea hau ea debit)' me u bue ka ho hlaka: "Ke phofu ea bolotsana ba cheke ea cheke ea mosebetsi o ka thōko. Cheke eo ke e behileng ka [Date] ea $[Chelete] e fanoe ke motho ea qhekellang mosebetsi.EWS)."
  3. Haeba u file motho ea qhekellang "Voided Check" kapa Bank Routing & Account Number ea "Direct Deposit", koala ak'haonte eo ea banka kajeno: Baqhekelli ha ba u botse nomoro ea hau ea ho tsamaisa le ea ak'haonte foromong ea depositi e tobileng eo e seng ea nnete hore ba u lefe; ba sebelisa linomoro tseo ho qalisa boqhekanyetsi ba ACH debit pulls, ho hatisa licheke tsa pampiri ea maiketsetso tse hutsoeng akhaonteng ea hau, kapa ho sebelisa ak'haonte ea hau ea ho hlahloba joalo ka lerotholi la limule tsa chelete. Etsa hore banka ea hau e koale nomoro ea ak'haonte e senyehileng 'me u bule nomoro ea ak'haonte e ncha.
  4. ** Haeba u kentse Nomoro ea Ts'ireletso ea Sechaba (SSN), License ea ho khanna, kapa Passport ka fake Form I-9 / W-4, homisa li-credit bureaus tse 3 LE ChexSystems hang hang**: Beha Setsi sa Tšireletso hang-hang, mahala mahala ho Equifax, Experian, le TransUnion (le ho emisa ha banka ho ChexSystems) ho latela rona karabo ea tlolo ea data le tataiso ea ho lutla ha password kahoo basomi ha ba khone ho bula likarete tsa mokoloto, likalimo tsa likoloi, kapa li-account tsa ho hlahloba fintech ba sebelisa laesense ea hau ea ho khanna selfie le SSN.
  5. Notlela nomoro ea hau ea Ts'ireletso ea Sechaba ho E-Verify (myE-Verify Self Lock) 'me u fumane IRS Identity Protection PIN (IP PIN): Hobane maqheka a mosebetsi a boetse a utsuoa I-9 liphutheloana (SSN + Photo ID) tepong e lefifi bakeng sa mosebetsi o sa lumelloeng le bomenemene ba puseletso ea lekhetho, kena ho myeverify.uscis.gov ho kenya tshebetsong Self Lock (thibela mang kapa mang ho sebedisa SSN ya hao ho fetisa E-Verify hlahloba mosebetsi) ebe u ea ho irs.gov/ippin ho fumana PIN ya dinomoro tse 6 IRS Identity Protection PIN kahoo ha ho senokoane se ka kenyang tlaleho ea lekhetho ka lebitso la hau.
  6. ** Haeba mohiri a u kopa ho kenya "software ea ho lekola mosebetsi o hole" (AnyDesk, TeamViewer, ScreenConnect, kapa tloaelo .exe/.dmg script), tlosa khomphutha ea hau ho Wi-Fi hang hang**: Fake IT onboarding le liteko tsa likhoutu tse seng tsa nnete hangata li kenya Trojans tsa Remote Access (RATs) kapa infostealer malware e utsoang li-cookies le li-wallet tsa crypto. Arola komporo ebe u latela rona malware, ransomware, le tataiso ea ts'oaetso ea spyware.

Danger

Le ka mohla u se ke ua lumela ho amohela liphutheloana lapeng la hao le ho li romela hape ("Package Reshipping / Quality Control Coordinator") kapa u fumane phetisetso ea Zelle/ACH ho tsoa ho batho bao u sa ba tsebeng ebe u e fetisetsa ("Financial Processing Agent / Crypto Payment Coordinator"). Tsena ke **Ts'ebetso ea Chelete ea Mule le Reshipping Mule **. Esita le haeba u lumela hore u sebetsa mosebetsi o amohelehang oa tsamaiso ea lapeng, ho fetisetsa lichelete tse utsoitsoeng kapa ho romela thepa e ncha e rekiloeng ka likarete tsa mokitlane tse utsoitsoeng ho ka u pepesetsa lipatlisisong tsa 'muso, ho ngolisoa ka ho sa feleng ho Litšebeletso tsa Temoso ea Pele (EWS) le ChexSystems, le melato ea botho bakeng sa dolara e 'ngoe le e 'ngoe e fetang akhaonteng ea hau ea banka. Emisa lipehelo tsohle hang-hang 'me u fane ka FBI IC3 (ic3.gov) le FTC (IdentityTheft.gov) tlaleha ho ngola hore u thetsitsoe ke lethathamo la mesebetsi e bolotsana.

Sefate sa qeto: ho lekola hore na scam ea mosebetsi e etsahetse ka mohato ofe

Merero ea khiro ea bohata e sebetsa libakeng tse 'ne tsa mantlha tsa tlhaselo. Latela lethathamo lena la triage ho latela seo u se arolelaneng kapa u se kentse:

flowchart TD
    Start["Tlhahiso ea Mosebetsi o Hole kapa Motho ea Recruiter ke Scam"] --> Vector{"Ke liketso life tse etsahetseng nakong ea lipuisano kapa ho palama sekepe?"}
    Vector -->|"1. E behile 'Thepa / Stipend Check' (kapa e rometsoe Chelete ho Morekisi)"| Check["URGENT BANKING CRISIS: U se ke Ua Sebelisa Chelete. Etela Lekala la Banka Kajeno ho Itlaleha Chelete ea Boqhetseke"]
    Check --> Recall["Haeba u rometse Tefo ea Zelle / Wire / Card: Kopa Khopotso ea Bosholu Hang-hang & Faele Mapolesa + Tlaleho ea IC3"]
    Recall --> Chex["Thibela ChexSystems / EWS Ho koaloa ha Akhaonto ea Lethathamo la Batho ka ho Hlahisa Litlaleho tsa Mapolesa le FTC ho Motsamaisi oa Banka."]
    Vector -->|"2. E rometsoe ka SSN, Laesense ea Mokhanni, Passport, kapa liforomo tsa W-4 / I-9"| ID["BOITSEBISO LE BOTHATA BA LEKHETHO: Emisa Equifax, Experian, TransUnion, ChexSystems & NCTUE Hang-hang"]
    ID --> Gov["Notlela SSN ho USCIS myE-Verify + Fumana IRS IP PIN (irs.gov/ippin) + Lekola Portal State Unemployment"]
    Vector -->|"3. Fana ka Tsela ea Banka le Nomoro ea Ak'haonte (Cheke e Felletseng) kapa E Kentsoe Bankeng ka Sehokelo"| Bank["ACCOUNT TAKEOVER CRISIS: Koala Nomoro ea Ak'haonte ea Banka e Senyehileng 'me u Bule Nomoro e Ncha ea Akhaonto"]
    Vector -->|"4. E lefshoa Crypto / USDT ho 'Optimize Tasks' kapa e kentse 'Work Software'"| Tech["TECH & CRYPTO CRISIS: Khaotsa ho lefa 'Lekhetho la ho Hlakola' (Ho Butchera Likolobe) & Hlakola AnyDesk / Infostealer Malware"]

Anatomy ea litsotsi tse 4 tse kholo tsa mesebetsi e hole (le hore na ke hobane'ng ha bahlaseluoa ba oela bakeng sa bona)

Baqhekelli ba mehleng ea kajeno ha ba romelle mangolo-tsoibila a ngotsoeng hampe ho tsoa ho liaterese tsa mahala tsa webmail. Ba hlakola litlhaloso tsa 'nete tsa mosebetsi ho tsoa ho lik'hamphani tsa Fortune 500 le li-startups tse molaong, li-profiles tsa LinkedIn tsa spoof, ho ngolisa libaka tse shebahalang hantle.careers-at-company.com), le ho etsa lipuisano tsa lihora tse ngata pele ho hlaha leraba.

Mofuta oa Scam oa Mosebetsi Kamoo Motho ea Scammer a Sebetsang Kateng Mokhoa oa Setsebi kapa oa Molao o Sebedisitsoeng Seo Ha e le Hantle se Kotsing
1. Thepa ea "Ho Hlahloba Lisebelisoa tsa Ofisi ea Lehae" (Tefo e Fetaletseng / Bomenemene ba Barekisi ba Fake) Kamora ho u hira joalo ka Mongoli oa Remote Data Entry, Executive Assistant, kapa Graphic Designer, HR o romella li-imeile ka setšoantšo sa PDF sa cheke ea $2,500 ho $4,900 (kapa FedExes cheke ea sebele ea cashier) mme o u laela hore u e behe ka selefouno, boloka $300 e le "bonase ea ho saena",' me u romelle tse setseng ka $3,20, "Bitcoin" e setseng ka $ 3,20 ea Hardware, "Bitcoin" kapa "Cashier" e setseng. Morekisi" hore MacBook Pro ea hau e nang le software ea VPN e hlophisitsoeng esale pele e ka romeloa. E sebelisa US Federal Reserve Regulation CC (12 CFR Part 229) Float Window: Molao oa Federal o qobella banka ea hau ho lokolla mokoloto oa nakoana nakong ea matsatsi a 1 ho isa ho a 2 a khoebo, ho etsa hore chelete e hlahe ho "Available Balance" ea hau nako e telele pele cheke e hanoa e le tlolo ea molao matsatsi a 5 ho isa ho a 14 hamorao. 1. Tahlehelo ya dolara e nngwe le e nngwe eo o e rometseng ho "morekisi".
2. Banka ea hau e khutlisa chelete eohle ea cheke ea $3,500, e etsang hore ak'haonte ea hau e be mpe.
3. Algorithm ea kotsi ea banka ea hau e tšoaea uena bakeng sa ho cheka ho reka, e koala akhaonto ea hau, ebe e u tlaleha ho ChexSystems le Litšebeletso tsa Temoso ea Pele (EWS) bakeng sa lilemo tse 5 ho isa ho tse 7.
2. Onboarding Form I-9 / W-4 / Kotulo ea Boitsebiso ba Depositi ka kotloloho Pele "letsatsi la pele", HR e romella sehokelo sa DocuSign kapa portal e u kopang hore u tlatse USCIS Foromo I-9, IRS Foromo W-4, tokollo ea cheke ea morao-rao, foto e ka pele le ka morao ea ** License ea Mokhanni / Passport **, selfie e tšoereng ID ea hau, le ** Cheke e Felletseng ** bakeng sa depositi e tobileng ea moputso. Hang ha u li kenya, mohiri oa nyamela. E kopanya SSN ea hau ea linomoro tse 9, letsatsi la tsoalo, sekeno sa ID se nang le qeto e phahameng, selfie e phelang (e sebelisetsoang ho hlola othomathike. KYC licheke tsa liveness libankeng tsa fintech le phapanyetsano ea li-crypto), le linomoro tsa hau tsa banka / li-account. 1. Bosholu ba boitsebiso ba lichelete bo felletseng le bomenemene ba akhaonte e ncha.
2. Mekitlane e sa dumellwang ya ACH e senya akhaonto ya hao ya ho hlahloba.
3. Inshorense ea Naha ea ho Hloka Mosebetsi (UI) bomenemene ba bolotsana le IRS W-2 / boshodu ba pusetso ya lekgetho.
**3. Sesebelisoa "Katoloso ea Mosebetsi" / Tekanyetso ea Sehlahisoa Crypto Scams ** Motho ea hirang ho WhatsApp kapa Telegraph o fana ka $200 ho isa ho $800 / letsatsi bakeng sa "ho ntlafatsa maemo a lebenkele la lisebelisoa", "ho matlafatsa maikutlo a hotele / lihlahisoa", kapa "ho tobetsa mesebetsi e 40 ka sete" bencheng e thellang ea mosebetsi. Ba hlile ba u tlohella hore u tlose $50 ho $150 ka 'nete USDT cryptocurrency ka Letsatsi la 1 le Letsatsi la 2 ho haha ​​tšepo. Ka Letsatsi la 3, u otla "Lucky Combination Task" e sutumelletsang tekanyo ea benche ea mosebetsi e le mpe, e hlokang hore u behe $500, ebe $2,500, ebe $10,000 ea crypto ea hau ho "bula" khomishene ea hau. Psychological Sunk-Cost Escalation ("Task Pig Butchering"): Web workbench ke dashboard e entsoeng ka ho feletseng e laoloang ke moqhekelli; dollar e 'ngoe le e 'ngoe ea USDT kapa Bitcoin eo u e kenyang e kena ka kotloloho ho sepache sa Southeast Asia syndicate laundering. Kakaretso ea tahlehelo ea chelete eohle ea cryptocurrency le lichelete tsa banka tse kentsoeng sethaleng. Le ka mohla u se ke ua lefa "litefiso tsa ho notlolla", "makhetho a kopaneng a mosebetsi", kapa "lekhetho la ho hula": chelete e setseng e bonts'itsoeng ke tšōmo.
4. Teko ea Coding ea Fake Developer / Fake IT Onboarding Malware (Lazarus / Infostealer) E lebisang ho lienjineri tsa software, li-admin tsa DevOps, baetsi ba litšoantšo, le basebetsi ba Web3: "mohiri" o u kopa ho kopanya polokelo ea GitHub/GitLab le ho tsamaisa. npm install / sengoloa sa Python bakeng sa tlhahlobo ea coding ea lapeng, KAPA ikopanye le mohala oa video moo kh'amera e hlolehang ebe e u khothaletsa ho tsamaisa taelo ea "Zoom / Teams Audio Driver Update". E sebetsa sethaleng Infostealer Malware (BeaverTail, InvisibleFerret, Atomic Stealer, Lumma Stealer) e kotulang li-cookies tsa sebatli, li-password tse bolokiloeng, linotlolo tsa SSH, le lifaele tsa sepache sa cryptocurrency nakong ea metsotsoana e 3. Khokahano e felletseng ea liak'haonte tsa hau tsa Google/Microsoft, polokelo ea GitHub, mangolo-tsoibila a khoebo le li-wallet tsa cryptocurrency.

Mokhahlelo oa 1: Pholoso ea maemo a tšohanyetso ea banka haeba u kentse cheke ea thepa ea bohata

Ho utloisisa hore na libanka li tšoara cheke ea bohata joang ho bohlokoa ho boloka chelete ea hau le bokhoni ba hau ba ho boloka ak'haonte ea banka nakong e tlang.

Ke Hobane'ng ha "Balance e Fumanehang" e sa bolele hore Cheke e Hlakotsoe

Tlas'a US Molao oa ho Fumaneha ha Lichelete tse Expedited le Federal Reserve Regulation CC (12 CFR § 229.10 - § 229.12), libanka tsa bareki li hlokoa ka molao ho etsa $225 ea pele ho $275 ea depositi ea cheke e fumanehang ka letsatsi le hlahlamang la khoebo, le karolo e setseng ea licheke tse ngata tsa lehae (haholo-holo licheke tsa fake kapa licheke tsa khoebo) li fumaneha nakong ea 2 ho isa ho matsatsi a 5 a khoebo. - Baqhekelli ba hatisa licheke tsa maiketsetso ba sebelisa tsela ea khoebo ea 'nete le linomoro tsa li-account tse utsoitsoeng lifaeleng tsa sechaba (kahoo nomoro ea ho tsamaisa e fetisa netefatso ea pele ea elektroniki), kapa ba fetola cheke e hlatsoitsoeng. - Ha cheke e qetella e fihlile bankeng ea mokhatlo o faneng ka chelete kapa e hlahlojoa ke corporate Positive Pay matsatsi a 5 ho isa ho a 14 hamorao, e hlompholloa 'me e khutlisoa e le "Counterfeit / Altered / Refer to Maker". - Tlas'a Khoutu e Tšoanang ea Khoebo (UCC § 4-214, Right of Charge-Back), banka ea hau e na le tokelo e felletseng ea molao ea ho ntša $3,500 kapa $4,800 e felletseng ak'haonteng ea hau ea cheke hang ha cheke e putlama, le haeba morekisi oa banka a u joetse ka Letsatsi la 2 hore cheke "e shebahala e le ntle ebile e hlakotsoe."

Protocol ea Mohato ka Mohato E Thehiloe ho Moo U Leng ho Cheke Scam

Boemo ba A: U kentse Cheke ea Bohata, Empa Ha U so Romele Chelete

U qobile tahlehelo ea lichelete, **empa ak'haonte ea hau ea banka e kotsing ea hang-hang ea ho koaloa le ho ngolisoa bakeng sa bosholu ba licheke **. Ha cheke ea maiketsetso ea $3,500 e putlama, lienjineri tse kotsi tsa banka (Early Warning Services / ChexSystems) ha a tsebe hore na u u hatisitse cheke eo e seng ea nnete ho qhekella banka kapa u ile ua qhekelloa ke motho ea qhekellang mosebetsi. Ntle le tsebiso e tsoelang pele, libanka tse ngata li ikemela le ho koala ak'haonte ea moreki ebe li kenya molaetsa o fosahetseng EWS / ChexSystems Keno ea bosholu e u thibelang ho bula ak'haonte ea ho hlahloba bankeng efe kapa efe e kholo bakeng sa lilemo tse 5 ho isa ho tse 7. 1. **Tlohela 100% ea chelete ea cheke e sa sebetsoa ** akhaonteng ea hau hore banka e tsebe ho e khutlisa ha e putlama. 2. ** Tsamaea lekaleng la sebele kapa letsetsa Lefapha la Bomenemene ba banka hang-hang ** (pele cheke e qhoma). 3. Kopa mookameli oa lekala kapa setsebi sa bomenemene hore se behe Tlhahiso ea Boithaopo ba Boithaopo polokelong ea cheke e ntseng e emetse: "Ke ne ke hlabiloe ke bolotsana ba cheke ea mosebetsi. Ka mor'a ho kenya cheke #[Nomoro] bakeng sa $[Chelete], senokoane se ile sa nkopa hore ke tšele chelete/Zelle chelete ho morekisi oa thepa ea bohata. chelete eo e le hore li ka khutlisoa ha cheke e putlama ntle le ho fana ka kotlo ea boemo ba ak'haonte ea ka kapa ho ntefisa ho koaloa ha thepa ea ka e khutlisitsoeng." 4. Boloka lebitso le ID ea mohiruoa ea moemeli oa banka le nomoro ea referense ea nyeoe.

Boemo B: U se U rometse Chelete (ka Zelle, Wire, Cash App, Likarete tsa Limpho, kapa Crypto) Pele Cheke e Hlakisoa.

Ak'haonte ea hau e mothating oa ho theoha ka chelete e felletseng ea cheke ea maiketsetso, e ka 'nang ea sutumelletsa ak'haonte ea hau ea cheke likete tsa lidolara ho **chelete e mpe e huloang ke chelete e ngata **. 1. Leletsa Lefapha la Thibelo ya Bomenemene le Tahlehelo la banka ya hao nakong ya hora: - Tlaleha ka bobeli chelete ea maiketsetso e kenang ** le phetisetso ea e tsoang ka bomenemene (Zelle, wire, ACH, kapa transaction card debit card). - Haeba u rometse Domestic kapa International Wire Transfer nakong ea lihora tse 24 ho isa ho tse 72 tse fetileng, batla kopo ea Emergency Wire Recall (SWIFT gpi Stop and Recall kapa Fedwire Fraud Recall) mme o hlahise tletlebo e potlakileng ho ic3.gov latela rona corporate business email compromise and wire fraud recall guide. - Haeba u rometse chelete ka Zelle, Venmo, kapa Cash App, tlalehela moamoheli/nomoro ea mohala ho banka ea hau le Lefapha la Boqhekanyetsi la sesebelisoa sa tefo joalo ka Tefo e Fetoletsoeng ea Push (APP) Employment Scam / Impostor fraud e le hore ak'haonte e amohelang limule e ka koaloa pele motho ea bolotsana a tsoa. 2. ** Kenya tlaleho ea bosholu ba boitsebiso ba FTC / bomenemene (IdentityTheft.gov & ReportFraud.ftc.gov) le Tlaleho ea Sepolesa sa Lehae: - Tlisa li-screenshots tse hatisitsoeng tsa lengolo la tlhahiso ea mosebetsi oa bohata, melaetsa ea mohiri, setšoantšo sa cheke ea bohata (Le ka mohla u se ke ua romela setšoantšo sa cheke ea bohata ka Mobile Deposit haeba u ntse u e-na le eona), le litaelo tsa phetisetso ea barekisi sepoleseng sa heno ho fumana Nomoro ea Tlaleho ea Ketsahalo ea Sepolesa **. 3. **Thibela ChexSystems / Litšebeletso tsa Temoso ea Pele (EWS) Ho olisoa le ho Rerisana ka Leano la ho Tefosa Mathata: - Hlahisa **Tleho ea Sepolesa le **FTC port hmolaoli oa lekala bankeng ea hau. - Botsa banka ka lengolo: 1. Ha o tlalehe akhaonto ea hau ho ChexSystems kapa Early Warning Services tlas'a khoutu ea "Bomenemene / Tlhekefetso ea Akhaonto" (kaha u le lehlatsipa la botlokotsebe le tlalehiloeng); 2. Ho hlakola litefiso tsa overdraft le ho khutlisa-check check; le 3.** Ho fetolela chelete leha le efe e mpe e bakoang ke tefiso-morao hore e be e se nang tsoala 0% APR Hardship Repayment Plan ka likhoeli tse 6 ho isa ho tse 12 ho e-na le ho koala akhaonto ea hau le ho e romela likoleke.

Mohato oa 2: Seo u lokelang ho se etsa haeba u fa scammers hao Form I-9, W-4, SSN, Passport, Laesense ea ho khanna, kapa Nomoro ea Ak'haonte ea Banka

Lits'ebetsong tse ngata tse seng tsa nnete tsa mesebetsi e hole, ha ho na cheke ho hang: sepheo sohle sa lipuisano tsa bohata le "Offer Letter" ke ho u qhekella hore u tlatse "HR Onboarding Packet" e nang le ** Nomoro ea Ts'ireletso ea Sechaba.SSN)**, Letsatsi la Tsoalo, Lebitso la 'M'e la Lekhabunyane, License tsa Driver's License / Passport scans, le Direct Deposit Routing & Account Numbers. Etsa lethathamo lena la lintlha tse 7 hang-hang:

1. Koala Ak'haonte ea Hao ea Banka e Senyehileng (Haeba U Fanetse Cheke e Felletseng kapa Foromo e tobileng ea depositi)

US e tloaelehileng Foromo ea Direct Deposit Authorization kapa Voided Check e pepesa linomoro tse 9 ABA Routing Number ea hao, Checking Account Number ea hao ka botlalo, le mosaeno oa hau. - Ho fapana le likarete tsa banka, US Automated Clearing House (ACH) marang-rang a lumella mohoebi leha e le ofe, mochine o lefang, kapa molefi ka nomoro ea hau ea ho tsamaisa le ea akhaonto ho kenya **ACH Debit Pull ** ho tsoa akhaonteng ea hau, kapa e lumella linokoane ho hatisa licheke tsa pampiri tsa maiketsetso ka makenete. MICR enke e hutsoeng ka kotloloho akhaonteng ea hau. - Se ke oa kopa banka ea hau feela hore e "shebe" ak'haonte: Laela banka ea hau hore **e koale ka ho sa feleng nomoro ea ak'haonte e senyehileng ea ho cheke / polokelo ** ebe u bula **nomoro ea ak'haonte e ncha ** (ho fetisetsa tekanyo ea hau e nepahetseng le ho thibela "ho fetisetsa ka mokhoa o iketsang li-debits tsa ACH" ho tsoa nomorong ea khale ea ak'haonte e koetsoeng).

2. Emisa Litsi Tsohle tse 3 tsa Naha ka Bophara LE Litsi tsa Libanka tse Khethehileng

Ka SSN ea hau, Letsatsi la Tsoalo, le tlhahlobo e phahameng ea qeto ea Laesense ea Mokhanni kapa Passport, linokoane li ka feta bankeng efe kapa efe ea inthanete kapa mokoloto. KYC (Tseba Moreki oa Hao) hlahloba. Emisa liofisi tsena tse hlano kajeno (100% mahala ka molao oa federal tlasa 15 U.S.C. § 1681c-1): 1. Equifax: equifax.com/personal/credit-report-services/credit-freeze/ (1-888-298-0045) 2. Moitsebi: experian.com/freeze/center.html (1-888-397-3742) 3. TransUnion: transunion.com/credit-freeze (1-800-916-8800) 4. ChexSystems (Ho Hlahlobisisa le Ho Bula Akhaonto ea Lipoloko ho Emisa): chexsystems.com -> * Beha Sebaka sa Tšireletso * (1-800-428-9623). Freezing ChexSystems e thibela linokoane ho sebelisa foto ea hau ea License ea Driver e utsoitsoeng le SSN ho bula liakhaonto tsa bomenemene tsa ho hlahloba marang-rang (tse kang Chime, SoFi, Ally, kapa Chase account) ka lebitso la hau ho utsoa chelete. 5. NCTUE (National Consumer Telecom & Utilities Exchange): nctue.com (1-866-349-5355) ho thibela scammers ho tšehetsa iPhones le mehala ea cellular tlas'a SSN ea hau.

3. Kenya tshebetsong myE-Verify Self Lock ho Thibela Mosebetsi o sa Feleng Tlas'a SSN ea Hau

Ha o fana ka se phethiloeng USCIS Form I-9 (Tiiso ea Tlhokomelo ea Mosebetsi) hammoho le linepe tsa litokomane tsa hau tsa Lethathamo la A (US Passport) kapa Lethathamo la B + Lenane la C (Laesense ea Mokhanni + Karete ea Tšireletso ea Sechaba e sa lekanyetsoang), barekisi ba marang-rang ba lefifi ba rekisa "tse netefalitsoeng". I-9 bundle" ho batho ba sa khoneng ho sebetsa ka molao tlasa boitsebahatso ba bona. Haeba motho a sebelisa ea hau I-9 ho fumana mosebetsi, mohiri oa bona o tla tlaleha mashome a likete tsa lidolara W-2 kapa 1099 moputso ho IRS tlas'a Nomoro ea Ts'ireletso ea Sechaba, e bakang tlhahlobo ea lekhetho ea IRS le likoloto tsa morao-rao khahlanong le uena. - E ea ho portal ea semmuso ea Lefapha la Ts'ireletso ea Lehae la US / USCIS ho myeverify.uscis.gov. - Iketsetse akhaonto ea hau, fetisa netefatso ea boitsebiso, 'me u bulele Self Lock. - Hang ha Self Lock e se e sebetsa, haeba mang kapa mang a leka ho sebelisa Nomoro ea Ts'ireletso ea Sechaba ho fetisa E-Verify tlhahlobo ea mosebetsi ho mohiri ofe kapa ofe ea nkang karolo oa US, sistimi hang-hang e thibela papali ka Tentative Nonconfirmation (Mismatch) le ho u lemosa. (Nako le nako ha u qala mosebetsi oa sebele, u ka bula ka nakoana Self Lock ka metsotsoana e 30).

4. Fumana e IRS Identity Protection PIN (IP PIN) le File Form 14039

E utsoitsoeng Form W-4 + SSN e lumella linokoane hore li fane ka tlaleho ea pele ea lekhetho la federal ka Pherekhong ho utsoa puseletso ea hau ea lekhetho, kapa ho u khomarela ka makhetho a sa lefuoeng ho phantom. W-2 / 1099-NEC chelete e kenang. 1. Eya ho irs.gov/ippin 'me u ingolise ho IRS Identity Protection PIN (IP PIN) lenaneo. 2. IRS e tla hlahisa hang-hang sephiri 6-digit IP PIN. Ha e se e ngolisitsoe, likhomphutha tsa IRS li tla hana elektroniki kapa pampiri efe kapa efe Form 1040 tlaleho ea lekhetho e kentsoeng tlas'a Nomoro ea Ts'ireletso ea Sechaba e sa kenyelletseng PIN ea hau ea lekunutu ea linomoro tse 6. 3. Haeba u fumana meputso e sa lumelloeng e tlalehiloe tlas'a SSN ea hau, sheba Social Security Earnings Record ea hau ho ssa.gov/myaccount mme o fane IRS Form 14039 (Identity Theft Affidavit) inthaneteng ka IdentityTheft.gov.

5. Hlahloba le ho Notlela Inshorense ea Naha ea Hao ea ho Hloka Mosebetsi (UI) Portal

E utsuitsoe I-9 le W-4 lipakete ke mafura a # 1 bakeng sa ** Inshorense ea Naha ea ho Hloka Mosebetsi (UI) Impostor Fraud** (moo batho ba qhekellang ba kenyang lifaele bakeng sa melemo ea beke le beke ea ho hloka mosebetsi ka lebitso la hau ba sebelisa SSN ea hau, letsatsi la tsoalo, le nalane ea mohiri oa pele ho tsoa qalelleng ea hau). - Eya ho webosaete ea hau ea Lefapha la Naha la Basebetsi / Setsi sa Basebetsi KAJENO. - Ngolisa boemo ba hau bo molaong ba Inshorense ea ho Hloka Mosebetsi (leha o sena morero oa ho kopa melemo) o sebelisa Multi-Factor Authentication e matla (MFA) kahoo moikhakanyi a ke ke a ngolisa akhaonto tlas'a SSN ea hau pele. - Haeba portal ea mmuso e re "Ak'haonte e se e ntse e le teng bakeng sa Nomoro ena ea Ts'ireletso ea Sechaba", kenya hang-hang State Unemployment Identity Theft Report ho portal ea bomenemene ea setsi sa mmuso hore o se ke oa fumana bosholu IRS Form 1099-G bakeng sa melemo eo o sa kang oa e bokella.

6. Tšoaea kapa U Emise Laesense ea Hao ea Kotsi le Passport

Kahobane o kentse sekhechana sa mebala se hlakileng sa License ea Mokhanni kapa Passport (mme mohlomong le "liveness selfie"), linokoane li ka sebelisa litšoantšo tseo ho fetisa licheke kapa ho hatisa li-ID tsa maiketsetso tsa boemo bo holimo: - Laesense ea ho Khanna: Fana Tlaleho ea Sepolesa e thathamisang ho sekisetsa Nomoro ea hau ea Laesense ea ho Khanna, 'me u ikopanye le setereke sa heno Lefapha la Likoloi (DMV) Setsi sa Boqhekanyetsi ho beha folakha ea bomenemene rekotong ea laesense ea hau (kapa ho kopa laesense e ncha ka nomoro e ncha ea tlhahlobo ea lichelete / tokomane DD). - **Pasepoto : Haeba u rometse feela fotocopy/foto ea leqephe la tlhahisoleseling ea pasepoto ('me u ntse u tšoere buka ea hau ea pasepoto letsohong la hau), ha ho hlokahale hore u hlakole phasepoto ea hau ntle le haeba u laetsoe ke molao, empa ** klzzh:0129 scan kahoo e hloleha ho iketsetsa DHS licheke tsa nomoro ea tokomane, o ka tlaleha hore pasepoto e sekisitsoe mme o etsa kopo ea buka e ncha ka nomoro e ncha ea phasepoto ka travel.state.gov** (ited States), HM Passport Ofce (United Kingdom), kapa Pasport Canada.

Mokhoa oa ho netefatsa hore na tlhahiso ea mosebetsi e hole ke ea 'nete kapa ke scam ka nako e ka tlase ho metsotso e 3

Pele o kenya ID kapa o amohela lengolo la tlhahiso, leka mohiri khahlanong le Melao e 7 e sa Buisanoeng ea ho hira ka Semolao:

Tlhahlobo ea netefatso Boitšoaro bo nepahetseng ba Mohiri Letšoao le Lefubelu la Mosebetsi o Tiisitsoeng
1. Kamoo Puisano e Ileng ea Tsamauoa ka Teng Kamehla e kenyelletsa bonyane video e le 'ngoe kapa puisano ea mohala le mookameli ea hiriloeng eo sefahleho sa hae se ts'oanang le boemo ba bona bo netefalitsoeng ba khoebo. Puisano ea mongolo feela ka Telegraph, WhatsApp, Signal, Microsoft Teams chat, kapa Google Chat (kapa "potso ea lipotso PDF" e rometsoeng ho uena ka lengolo-tsoibila le ho amoheloa metsotso e 20 hamorao).
2. Kamoo Thepa ea Mosebetsi (Laptop/Monitor) e Fuoanoang ka teng Lefapha la IT la ka hare la k'hamphani le romela laptop ea k'hamphani ka kotloloho ho tsoa ntlong ea bona ea polokelo kapa ak'haonte ea Apple/Dell Business ho ea monyako oa hau ka litšenyehelo tsa zero ho uena. Ba u romella **Check (PDF kapa pampiri) **, **ACH transfer **, kapa "Reimbursement Stipend" mme ba u laela hore u romele chelete ka Zelle, terata, Venmo, kapa crypto ho "The Equipment Vendor" ea bona.
3. Sebaka sa Imeile sa Recruiter (WHOIS Sheba) Li-imeile li tsoa sebakeng sa mantlha sa k'hamphani (@microsoft.com, @stripe.com), 'me lethathamo la mesebetsi le teng ho ofisiri ea k'hamphani careers leqephe. Lisebelisoa @gmail.com, @outlook.com, kapa sebaka se sa tsoa ngolisoa se shebahalang joaloka (@stripe-careers-hr.com, @company-remotejobs.org). Sheba letsatsi la tlhahiso ea domain ho lookup.icann.org: domain name efe kapa efe e ngolisitsoeng matsatsing a 90 a fetileng ke scam.
4. Nako ea SSN, Form I-9, le Lintlha tsa Banka E kopiloe **feela ka mor'a ** lipuisano tse teng, licheke tsa litšupiso, tlhahiso e saenneng ea semmuso, mme feela ka har'a portal ea khoebo e netefalitsoeng ea HRIS (Workday, Greenhouse, ADP, Rippling, Gusto). E kopiloe ho **foromo ea pele ea kopo **, ka sephutheloana sa lengolo-tsoibila, Google Forms, kapa pele o bua le motho ka video e hlahang.
5. Litefiso tsa Pele, Litšenyehelo tsa Koetliso, kapa "Task Top-Ups" Bahiri ba u lefa; ha ho mohla u lefang mohiri. Mesebetsi e molaong ha e ke e lefise bakeng sa tlhahlobo ea morao-rao, tlhahlobo ea lithethefatsi, libeche, kapa "task unlocks". E u kopa hore u lefe $49 bakeng sa "sehokelo se tlamang sa ho hlahloba sekoloto / se ka morao", reka laesense ea software, kapa depositi USDT cryptocurrency ho phethela "40 optimization tasks".
6. Matšeliso khahlano le Mesebetsi ea Mosebetsi Moputso oa sebele oa 'maraka bakeng sa boemo ba tsebo ($ 18 ho $28 / hora bakeng sa tšebeletso ea bareki ba boemong ba ho kena kapa tšehetso ea tsamaiso). E fana ka $35 ho isa ho \(65/hora (\)75,000+ ka selemo) bakeng sa phihlelo ea "Remote Data Entry", "Virtual Personal Assistant", kapa "Cliping App Reviews hora e le 'ngoe ka letsatsi".
7. Lits'ebetso tsa lichelete kapa tsa ho sebetsana le liphuthelo Ha ho mohla o sebelisang ak'haonte ea banka ea mohiruoa, Zelle ea hae, kapa kamore ea ho phomola ea lapeng ho tsamaisa chelete ea k'hamphani kapa thepa ea bareki. E u kopa hore u sebelise **ak'haonte ea hau ea banka ** ho fumana litefo tsa bareki, ho reka Bitcoin, ho reka likarete tsa limpho bakeng sa "CEO e phathahaneng", kapa ho hlahloba le ho romela mabokose ho tloha hae.

Copy-and-Paste Script: Tsebiso e Ngotsoeng ho Banka ea Hao Ka mor'a depositi ea ho hlahloba mosebetsi oa bohata

Haeba cheke ea thepa ea bohata e ile ea qhoma (kapa e le haufi le ho qhoma) 'me u batla ho sireletsa akhaonto ea hau ea ho hlahloba hore e se ke ea koaloa le ho tlalehoa hampe ho ChexSystems kapa Litšebeletso tsa Temoso tsa Pele (EWS), nehelana ka letsoho khopi ea setatemente sena se saennoeng (ka Tlaleho ea Sepolesa le Tlaleho ea FTC e khomaretsoeng) ho molaoli oa lekala la banka ea hau 'me u e kenye portal ea tseko ea bomenemene ea banka ea hau:

[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

Lipotso tse botsoang khafetsa

Ke hobane'ng ha banka ea ka e ile ea mpolella hore cheke ea mosebetsi "e hlakotsoe" haeba e ne e hlile e le cheke ea bohata?

Ha morekisi oa banka kapa app ea mobile banking e bontša hore chelete ea cheke e kentsoeng e Fumaneha ka mor'a matsatsi a 1 ho isa ho a 2 a khoebo, seo ha se bolele hore cheke e hlakotse banka e ntšitsoeng kapa e netefalitsoe hore ke ea 'nete. Tlas'a US Expedited Funds Availability Act (Federal Reserve Regulation CC, 12 CFR Part 229), libanka li hlokoa ke molao oa federal ho lokolla lichelete tsa nakoana ho bareki nakong ea matsatsi a 1 ho isa ho a 2 a khoebo, nako e telele pele cheke e phethela potoloho ea matsatsi a 5 ho isa ho a 14. Baqhekelli ba mesebetsi ba sebelisa lekhalo lena la matsatsi a mangata ho u qhekella ho kenya mohala kapa ho romela chelete ea 'nete ka akhaonteng ea hau pele cheke ea maiketsetso e putlama mme banka ea hau e u khutlisa mokoloto oa nakoana tlasa Karolo ea 4-214 ea Uniform Commercial Code.

A na nka ea teronkong kapa ka qosoa haeba ke kentse cheke ea fake ho tsoa ho motho ea qhekellang mosebetsing?

Haeba u ile ua qhekelloa ke mosebetsi oa bolotsana, ua sebelisana le banka ea hau hang-hang, 'me ua kenya Tlaleho ea Sepolesa le FTC Identity Theft Report, u lehlatsipa la botlokotsebe eseng moetsi oa molao 'me u ke ke ua tobana le qoso ea botlokotsebe hobane feela u thetsitsoe ho kenya cheke e le 'ngoe ea bohata. Leha ho le joalo, tlas'a melao ea banka ea Uniform Commercial Code, u lula u ikarabella ho sechaba le licheleteng ho banka ea hau bakeng sa ho lefa chelete leha e le efe eo ue huletseng kapa eo u e ntšitseng pele cheke ea bohata e qhoma, 'me u tlameha ho khaotsa ho amohela kapa ho fetisetsa licheke, li-transfer kapa liphutheloana tse ling e le hore u se ke ua sebetsa joaloka 'moulo oa chelete.

Nka notlela Nomoro eaka ea Tšireletso ea Sechaba joang hore ho se be motho ea ka sebelisang Foromo ea ka ea I-9 e utsoitsoeng ho fumana mosebetsi?

Theha ak'haonte ea hau ea mahala Lefapheng la Ts'ireletso ea Lehae la US le USCIS myE-Verify portal (myeverify.uscis.gov) 'me u nolofalletse karolo e bitsoang Self Lock. Hang ha Self Lock e buletsoe, haeba moikhakanyi leha e le ofe a leka ho sebelisa Nomoro ea hau ea Tšireletso ea Sechaba ka Foromo ea I-9 ho E-Verify mohiri, tsamaiso e thibela cheke tumello ea mosebetsi le ho u tsebisa; hape o lokela ho fumana PIN ya IRS ya dinomoro tse 6 ho irs.gov/ippin mme o hatelle difaele tsa hao tsa mokoloto ho Equifax, Experian, TransUnion, le ChexSystems.

Mehloli e hlahlobiloe

  • Federal Trade Commission (FTC, United States): Ho qhekella ha Mosebetsi, Bomenemene ba ho Lekola Tefo e Fetaletseng, le IdentityTheft.gov Employment Identity Recovery Protocols.
  • Boto ea Babusi ba Federal Reserve System le Ofisi ea Molaoli oa Chelete (OCC): Regulation CC (12 CFR Part 229, Ho fumaneha ha Lichelete le Pokello ea Licheke) le Khoutu e Tšoanang ea Khoebo (UCC § 4-214) Melao ea Nakoana ea Tefiso ea Mokitlane.
  • Federal Bureau of Investigation (FBI) Setsi sa Litletlebo tsa Botlokotsebe ba Marang-rang (IC3): Litlhokomeliso tsa PSA mabapi le Bomenemene ba Tlhahlobo ea Thepa e Tsoang Lapeng, Cryptocurrency Task Optimization Scams Employment Scams, le Money Mule Recruitment.
  • Litšebeletso tsa Boahi ba US le Bojaki (USCIS / Lefapha la Tšireletso ea Naha): myE-Verify Lenaneo la ho Lock Lock bakeng sa ho Sireletsa Linomoro tsa Ts'ireletso ea Sechaba Khahlanong le Batho ba sa lumelloang Form I-9 Boqhekanyetsi ba Mosebetsi.
  • Tšebeletso ea Lekhetho la ka hare (IRS, United States): PIN ea Tšireletso ea Boitsebiso (IP PIN) Ngoliso (irs.gov/ippin) le Employment-Related Identity Theft (Form 14039) Tokiso.

Litataiso tse amanang