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Ukumisa I-In-Person Cash Courier, Ibha Yegolide, kanye Nokukhwabanisa Kwemali Yebheyili

Izinombolo zezimo eziphuthumayo ziyehluka ngezwe. Leli khasi lisebenzisa u-911, inombolo yase-United States naseCanada. Amanye amazwe amaningi asebenzisa u-112, 999, noma enye inombolo. Thola inombolo yezwe lakini.

Ukukhwabanisa kwabathengi okukhula ngokushesha kakhulu nokulahlekelwa kakhulu emhlabeni akusancikile ekudlulisweni kwezintambo noma kumakhadi esipho kuphela: kugcina ngokuthi umuntu wangempela angqongqoze emnyango wakho wangaphambili noma ahlangane nawe endaweni yokupaka ukuze athathe ibhokisi lezicathulo lemali, amabha egolide, noma isheke le-cashier. Amaqembu obugebengu bamazwe ngamazwe ahleliwe asebenzisa izikhali ezimbili ezesabekayo ezingokwengqondo ukuze aphoqelele izisulu ukuba zisebenzise imali yazo ekonga ukuphila kwazo: Umkhonyovu othi Ibheyili kaGrandparent and Gag-Order Scam (lapho izwi elenziwe nge-AI noma elikhalayo lithi umzukulu ubangele ingozi yemoto ebulalayo futhi edinga ibheyili yemali ngokushesha inikezwe "inkantolo yenkantolo* ye-Gold Courier* **Inkantolo ye-Gold Couridy") (lapho abakhohlisi abazenza abenzeli bakahulumeni, abaphenyi bokukhwabanisa basebhange, noma ukwesekwa kwezobuchwepheshe kuqinisekisa izisulu ukuthi ama-akhawunti azo asebhange asengozini futhi kufanele aguqulwe abe amabha egolide aphathekayo noma izinyanda zemali ezinikezwa umthumeli womshoshaphansi ukuze "uMnyango Wokuvikela Impahla Yezimali").

Ngenxa yokuthi imali ebonakalayo kanye negolide legolide akulandeleki nhlobo ngesikhathi zisuka esandleni sakho, ukumisa isandla sakho esingokomzimba kuyindawo eyodwa yokungenelela ebaluleke kakhulu. Izikhungo zokugcinwa komthetho emhlabeni wonke ziqinisekisa umthetho ophelele, ongenasici: ayikho inkantolo, ibhondi yebheyili, umnyango wamaphoyisa, ibhange, noma i-ejensi kahulumeni kunoma yiliphi izwe elike lithumele i-courier, umshayeli we-rideshare, noma i-ejenti yomshoshaphansi ekhaya noma endaweni yokupaka ukuze iqoqe imali noma igolide. Kodwa ngenxa yokuthi umuntu ofika emnyango wakho angaba umshayeli wephakeji ye-rideshare engazi noma umnyuzi wemali yesigebengu esihlomile, akumele uzame ukuboshwa kwesakhamuzi sakho kuvulandi wakho. Ukugcina umnyango wakho ukhiyiwe, ukuvala ucingo, ukuqinisekisa isihlobo sakho ngokuzimela, nokufonela amaphoyisa ukuze abambe ohambisa incwadi kuvikela kokubili ukuphepha kwakho ngokomzimba kanye nokonga impilo yakho.

Yenza lokhu manje

Uma wena noma ilungu lomndeni liyalwe ngumuntu ofonayo ukuthi akhiphe imali, athenge amabha egolide, noma alungisele iphakheji "i-courier," "isikhulu senkantolo," noma "i-ejenti yomfelandawonye" oza ekhaya lakho noma indawo yomhlangano, sebenzisa lezi zinyathelo eziyisithupha ngokushesha:

  1. Khiya umnyango wakho wangaphambili, hlala ngaphakathi kwekhaya lakho, futhi unganikezi muntu ukheshi, igolide, noma iphakheji: Ungalokothi ungene kuvulandi wakho noma uphumele kunqenqema olunemali noma igolide legolide. Gcina umnyango wakho wesiphepho kanye ne-deadbolt kukhiyiwe noma ngabe i-courier, itekisi, noma imoto ye-rideshare isivele ipakiwe ku-driveway yakho.
  2. Vala ucingo ngokushesha, ngisho noma ofonayo ekusabisa ngokuboshwa noma "umyalelo wenkantolo": Abakhwabanisi bagcina izisulu kulayini weselula ovulekile amahora amaningi ukuze zingakwazi ukushayela umndeni wazo noma ukukhuluma ngokwethembeka nababaleli basebhange. Cindezela inkinobho ebomvu yokuvala ucingo noma ucime ifoni yakho ngokuphelele imizuzu emibili ukuze wephule ukuzihlukanisa ngokwengqondo.
  3. Ungalokothi ubhekane ngokoqobo, uvimbele, noma uzame ukubopha izithunywa emnyango wakho: Umuntu othunyelwe ukuthi azolanda ibhokisi kungase kube umnyuzi wemali yesigebengu esingaba nodlame uma sivalelwa ekhoneni, noma i-courier emsulwa ye-Uber/Lyft eqashwe ngohlelo lokusebenza olungaziwa lokuletha iphakheji ongaqondi ukuthi kwenzeka ubugebengu. Bheka futhi uthathe isithombe umthumeli nenombolo yelayisense yemoto yakhe ngefasitela eliphezulu noma ikhamera yensimbi yokuncencethwa emnyango.
  4. Shayela inombolo yakho yasendaweni yezimo eziphuthumayo ngokushesha uma i-courier isendleleni noma ingaphandle kwekhaya lakho: Shayela inombolo yakho yasendaweni yezimo eziphuthumayo (911 e-United States nase-Canada, 112 ngaphesheya kwe-European Union, 999 e-United Kingdom) noma uthinte izinombolo eziphuthumayo umkhombandlela. Tshela umthumeli: "Izithunywa zomgunyathi ezihleliwe zisendleleni eya endlini yami khona manje [ekhelini] ukuyolanda [Inani] likakheshi/igolide. Ngikhiyelwe ngokuphephile ngaphakathi. Ngicela nithumele izikhulu eziqaphayo ukuze zivimbele iveni."
  5. Qinisekisa umzukulu wakho noma ilungu lomndeni ngokushayela inombolo yakhe yocingo eyaziwayo noma esinye isihlobo ngokuqondile: Uma ofonayo ethi ingane yakho noma umzukulu wakho usejele noma esibhedlela, shayela inombolo yeselula egciniwe yaleso sihlobo, abazali baso, noma isikole/indawo yabo yokusebenza ngocingo oluhlukile. Ngisho noma izwi ocingweni lomkhonyovu lizwakala lifana nelomzukulu wakho, imizuzwana emithathu yokuhlanganisa izwi lomndeni idinga ividiyo emfushane yenkundla yezokuxhumana.
  6. Uma usuvele unikeze umthumeli iphasela noma uthumele ibhokisi nge-FedEx, i-UPS, noma i-DHL phakathi namahora angu-48 adlule, shayela amaphoyisa kanye nedeski lokuvimbela ukukhwabanisa lenkampani yenethiwekhi ngokushesha: Nikeza amaphoyisa isithombe sakho sekhamera yensimbi yokuncencethwa emnyango kanye nomzuzu oqondile wokulandwa, futhi uma ithunyelwe ngesithwali sephasela, shayela umnyango wezokuphepha wenkampani yenethiwekhi ngaphambi kokulandela umkhondo* ibhokisi lilethwa.

Kungani 'Amaphasiwedi Ayimfihlo' kanye 'Nemiyalo Ye-Court Gag' kuwubufakazi obungamaphesenti angu-100 bomkhonyovu

Kokubili Umkhonyovu Webheyili kaGrandparent kanye Nomkhonyovu We-Gold Bar Courier, ofonayo uzokunikeza igama lekhodi eyimfihlo (elifana nokuthi "Liberty 44" noma "Case 709") ukuze umgijimi alisho emnyango wakho, futhi uzokuxwayisa ukuthi ungaphansi kwecala I-Federal Gag Order-Oda*--I-Dilosure Bank yenza i-National Security itshele umtshele, oshade naye, noma amaphoyisa endawo ukuthi kungani ukhipha imali. Empilweni yangempela, awukho umyalelo wenkantolo oke wasebenza ekukhokheni ibheyili, futhi akekho umenzeli kahulumeni owake wakuqeqeshela ukuthi uqambe amanga kumtsheleli wakho wasebhange (njengokutshela umtsheleli ukuthi "uthenga imoto yakudala" noma "ulungisa kabusha ikhishi lakho"). Noma yimuphi umyalo wokuqamba amanga ebhange lakho uwubufakazi obungamaphesenti ayi-100 bobugebengu.

Isihlahla sesinqumo se-courier yemali kanye nebha yegolide

Uma othile ocingweni efuna ukheshi noma izinsimbi eziyigugu, noma uma uthola ukuthi ilungu lomndeni elikhulile lilungisa iphakheji ukuze lithathwe, landela leli shati eligelezayo lesinqumo ngokushesha.

flowchart TD
    Trigger["Oshaya ucingo Udinga Imali Ephathekayo, Amabha Egolide, noma Isheke Lokheshi ukuze Athole Ibheyili, Izimali Zomthetho, noma Ukuvikelwa Kwevault Kahulumeni"] --> StageCheck{"1. Ukuthengiselana ukusiphi isigaba njengamanje?"}
    StageCheck -->|"A. Kusese ocingweni noma ebhange / kumthengisi wezinhlamvu zemali ngaphambi kokuhoxa"| StopBank["Vala Ucingo Ngokushesha; Tshela Umdayisi Webhange noma Umdayisi Wemali Iqiniso: 'Ofonayo Ungitshele ukuthi Ngikuhoxise Lokhu'"]
    StageCheck -->|"B. Ukheshi noma Igolide Selikhona Ekhaya; I-Courier Isendleleni noma Ingaphandle"| LockHome["Khiya Yonke Iminyango namaWindows; UNGAPHENDULI Umnyango; Fihla Imali/Igolide Lingabonakali Ngaphakathi Endlini"]
    StageCheck -->|"C. Iphakheji Yanikezwa I-Courier Emaminithini Okugcina Oku-1 kuya kwangu-60"| JustLeft["Shayela u-911/112/999 Ngokushesha; Nikeza Incazelo Yemoto, Indlela Yokuhamba, kanye Nevidiyo Yensimbi Yomnyango"]
    StageCheck -->|"I-D. Imali noma Igolide Yathunyelwa Ebhokisini nge-FedEx, UPS, USPS, noma i-DHL"| ShippedBox["Shayela Ideski Lezokuphepha Lenkampani Yenethiwekhi Ngokushesha NgeNombolo Yokulandelela Yokunqamula Kwephakheji Yezimo Eziphuthumayo; Shayela Amaphoyisa"]
    StopBank --> VerifyFam["Shayela Ilungu Lomndeni Ngqo Enombolweni Yalo Elondoloziwe ukuze Uqinisekise Ukuthi Baphephile"]
    LockHome --> Call911["Shayela ku-911 / 112 / 999: Bika I-Active Fraud Courier Ifika Ekhelini Lakho Ukuze Ivinjwe Amaphoyisa"]
    Call911 --> CourierType{"2. Ingabe izithunywa ziyangqongqoza emnyango wakho ngaphambi kokuba kufike amaphoyisa?"}
    CourierType -->|"Yebo: I-Courier ikuveranda"| NoConfront["UNGAVULELI Umnyango noma I-Confront Courier; Khuluma Ngekhamera noma Ngewindi: 'Amaphoyisa Asendleleni, Hamba Manje'"]
    CourierType -->|"Cha: Amaphoyisa afike kuqala"| PoliceTrap["Hlala Ngaphakathi Kuze Izikhulu Ezingafanisiwe Ziqinisekise Ubunikazi; Nikeza Izingodo Zezingcingo, Ikhodi Yekhodi Eyimfihlo, kanye Nemibhalo"]
    NoConfront --> RecordPlate["Rekhoda i-Courier Face, Ukwenziwa Kwemoto, kanye Ne-License Plate kukhamera ye-Doorbell yabaseshi"]
    JustLeft --> BankReturn["Buyisela Noma Iyiphi Imali Esele noma Igolide Ebhokisini Lediphozithi Evikelekile Yasebhange Ngokushesha"]
    ShippedBox --> FileIC3["Fayela Umbiko Osemthethweni Namaphoyisa endawo, i-FBI IC3 (US), noma i-Action Fraud (UK)"]

I-Anatomy yemikhonyovu emihlanu emikhulu ye-courier yomuntu kanye ne-bullion

Ngokungafani nemikhonyovu yocingo evamile ecela u-\(1,000 kumakhadi esipho okuthengisa, imikhonyovu yezithunywa engokoqobo iklanyelwe ukweqa imikhawulo yokukhwabanisa yokudluliselwa kwebhange ngocingo futhi yebe **\)20,000 kuya ku-$500,000+ ntambama eyodwa**. Qhathanisa imibhalo emihlanu evelele ngezansi.

Okuhlukile Komkhonyovu I-Psychological Hook & Storyline Ukuthi Ukulandwa Okungokomzimba Kwenziwa Kanjani Kungani Izisulu Ziyifuna & Indlela Yokunqoba
1. I-"Fatal Crash / Gag Order" ye-Bail Courier Scam yebheyili kagogo nomkhulu "I-Fatal Crash / Gag Order" Uyakhala: “Gogo, ngibe sengozini embi yemoto, ngashayisa imoto yowesifazane okhulelwe, futhi ngisejele.” Oshaye ucingo lwesibili ozenza “uMvikeli Womphakathi” noma “Umabhalane Wenkantolo” uthatha ucingo athi umzukulu uzodluliselwa ejele likahulumeni ngemva kwamahora amabili ngaphandle kwalapho ethole ibheyili ka-\(15,000 kuya ku-\)50,00 yenkantolo. Abakhohlisi bathumela umnyuzi wendawo yemali yobugebengu noma i-Uber/Lyft/curbside courier engazi kuvulandi ongaphambili kamkhulu ukuze iqoqe imvilophu evaliwe noma ibhokisi lezicathulo eliteyishiwe eliqondiswe egameni lommeli mbumbulu. Abakhohlisi basebenzisa i-AI voice cloning eqeqeshwe ngezwi lomzukulu le-TikTok/Instagram, noma balingise ukukhala okuvalekile kuyilapho bethi "Ikhala lami liphulwe i-airbag ngakho ngizwakala ngihlukile." Yehlula: Vala ucingo umzukulu noma abazali bakhe ngokuqondile. Izinkantolo azilokothi zithumele izithunywa ezindlini ukuze ziyothola ibheyili.
2. Umkhonyovu Wezigaba Ezintathu "Ukusekelwa Kobuchwepheshe Ukuya Ebhange Kuya ku-Federal Reserve Gold Bar" Umkhonyovu Isigaba 1: I-alamu yesikrini esizivelelayo ephezulu ivala ikhompuyutha yakho ithi "Microsoft/Apple Security: Abagebengu Bantshontshe Ubunikazi Bakho." Isigaba 2: "Ukukhwabanisa Kwebhange" izingcingo ezifuna izigebengu zingaphakathi kwe-akhawunti yakho yokuhlola kanye ne-IRA yomhlalaphansi. Isigaba sesi-3: "I-FTC / FBI / Umenzeli Womgcinimafa" womgunyathi ikutshela ukuthi ufake imali oyilondolozile impilo yakho kumdayisi wezinsimbi eziyigugu, uthenge amabha egolide aphathekayo, futhi unikeze amabha egolide kumthumeli wombuso ukuze "ufake idiphozi endaweni evikelekile ye-US Treasury / Bank of England." Umdayisi wangempela onelayisensi yebhiliyoni uhamba ngemikhumbi noma alethe amabha egolide angempela endlini yesisulu (ngoba isisulu sixhume imali yaso ukuze siyithenge). Emahoreni ambalwa kamuva, kufika umkhohlisi endlini yesisulu noma endaweni yokupaka, isho igama lekhodi eyimfihlo, bese ithatha amabha egolide. Izisulu zithola izincwadi zomgunyathi ku-FBI esemthethweni, i-FTC, i-Federal Reserve, noma i-Letterhead yeNkantolo Ephakeme nge-imeyili noma i-WhatsApp. Ihlule: Ayikho i-ejensi kahulumeni eke ivikele imali yakho ngokuthi uthenge izingcwecwe zegolide noma ukhiphe ukheshi. Khipha ikhompuyutha yakho bese ukhuluma nomphathi wegatsha lebhange lakho mathupha.
3. "Isisebenzi Sasebhange Elikhohlakele / Amaphoyisa Angenamfihlo" Ukulandwa Kwemali Umuntu ofonayo onoMazisi Wocingo oyinkohliso obonisa umnyango wamaphoyisa wendawo noma iyunithi yokukhwabanisa yasebhange uthi izibambisi egatsheni lebhange langakini ziyizigebengu ezintshontsha ku-akhawunti yakho, futhi ucela ukuthi usize ukubamba ngokukhipha imali engu-$30,000 ngenkathi ufaka ifoni yakho ephaketheni lakho futhi unikeze ukheshi "kumseshi womshoshaphansi" ngaphandle kwebhange. Isisulu sikhipha imali efasiteleni lomtsheleki ngesikhathi sifunda indaba ekhava eqeqeshwa ngumkhohlisi, siphume siye endaweni yokupaka izimoto yasebhange noma sibuyela ekhaya, bese sinikeza isikhwama semali kumngane wakhe obesemotweni. Umkhohlisi uhlomisa ukungamethembi umbolekisi wasebhange ukuze kuthi lapho umtsheleli exwayisa isisulu "Lokhu kubukeka njengomkhonyovu," isisulu sicabanga ukuthi umtsheleli yisigebengu. Yihlule: Amaphoyisa awalokothi acele izakhamuzi ukuthi zikhiphe imali yazo ukuze zithole udosi lomshoshaphansi. Cela umphathi webhange ukuthi abize iphoyisa eligqoke umfaniswano endaweni yokwamukela izivakashi.
4. I-Fake Jury Duty / I-Warrant Warrant Courthouse Courier Scam Oshaya ucingo ozenza "uLieutenant kaSheriff" noma "Federal Marshal" uthi ugeje amasamanisi ejaji elikhulu lenhlangano futhi incwadi egunyaza ibhentshi ikhishiwe ukuze uboshwe ngokushesha, ngaphandle uma uthumela "i-Civil Contempt Bond" ngokheshi ku-courier noma i-Bitcoin ATM ukuze "baqinisekise ukubhala kwakho ngesandla." Isisulu sigcinwa kumakhalekhukhwini lapho sishayela siya ebhange laso, sikhipha imali, futhi sihlangana ne-courier eduze nezinyathelo zenkantolo noma sipha u-$10,000+ ngamabhili ayi-100 esitolo segilosa ye-cryptocurrency kiosk. Ofonayo uphinda amagama amajaji endawo wangempela, izinombolo zenkantolo, nezinombolo zebheji ezitholakala kumawebhusayithi omphakathi. Yihlule: Izinkantolo azilokothi zibiza izakhamizi ukuthi zifune amabhondi emali uma zigeja umsebenzi wamajaji. Vala ucingo bese ushayela inombolo enkulu yomphakathi kamabhalane.
5. Umkhonyovu Wokuvuna Iphinikhodi Yekhadi Lebhange "Courier Replacement" (Okuvamile e-UK, EU, Canada) Oshaya ucingo ozenza umnyango wokukhwabanisa ebhange lakho uthi ikhadi lakho ledebhithi/lesikweletu lenziwe lahlanganiswa, ikutshela ukuthi ufake i-PIN yakho enezinhlamvu ezi-4 ekhiphedi yefoni yakho (noma ubatshele i-PIN) ukuthi "khansela ikhadi elidala," futhi uthi i-courier yesithuthuthu sasebhange izofika emnyango wakho wangaphambili emizuzwini engu-30 izolanda ikhadi elingokoqobo elisikiwe ukuze kuhlaziywe i-EMV. I-courier iqoqa imvilophu equkethe ikhadi lakho ledebithi eliphathekayo (ngisho noma lisikwe phakathi, inqobo nje uma chip yegolide ye-EMV lisaphelele) futhi ngokushesha isebenzisa i-chip ne-PIN yakho ukuze ikhiphe izinkulungwane zamadola/amaphawundi/ama-euro kuma-ATM futhi ithenge izimpahla zikanokusho. Amabhange akalokothi athumele i-courier ekhaya lakho ukuze ayolanda idebithi esengozini noma ikhadi lesikweletu; bamane bavale ikhadi ngedijithali ngomzuzwana owodwa futhi bakutshele ukuthi uzibhubhise ngokwakho.

Ungawubona kanjani futhi uwumise kanjani umkhonyovu wezithunywa oqondiswe kumzali omdala noma umlingani womshado

Ngenxa yokuthi abakhwabanisi basongela izisulu ngokulimala okuyingozi kumzukulu noma ukuboshwa kombuso ngokushesha uma betshela noma ubani, abantu abadala asebekhulile ababanjwe endaweni yegolide yezinsuku eziningi noma umkhonyovu wokuthumela imali bavame ukufihla izingcingo kubalingane babo kanye nezingane ezindala. Buka lawa mafulegi abomvu okuziphatha kulungu lomndeni:

Izimpawu ezingu-6 zokuthi ilungu lomndeni liqeqeshwa umkhohlisi wezithunywa khona manje

  1. Ukuhlala kumakhalekhukhwini ngokuqhubekayo amahora amaningi kuyilapho uphuma endlini nencwajana, ibhuku likashekhasi, noma isikhwama sempahla: Abakhohlisi baphoqa izisulu ukuthi zigcine ucingo luxhumeke phakathi kwesikhwama semali noma sehembe ngenkathi ushayela uya ebhange ukuze umkhohlisi akwazi ukulalela ingxoxo efasiteleni lomtsheleli.
  2. Izimfihlo kungazelelwe, ukwethuka, noma izindaba zekhava eziphindwayo mayelana nokuthenga okukhulu: Uma umzali osethathe umhlalaphansi etshela umlingani wakhe noma isikhulu sasebhange kungazelelwe ukuthi badinga imali engu-$40,000 noma imali ethunyelwa ngezintambo ukuze "bathenge imoto yakudala," "bakhokhele usonkontileka ngemali," noma "ukusiza umngane," nokho enqaba ukunikeza noma iyiphi i-invoyisi noma igama lokuxhumana, inqobo nje uma ufunda umbhalo we-scammer.
  3. Izingcingo ezingachazwanga noma ukulethwa okuvela kubathengisi bezinsimbi eziyigugu / abadayisi begolide: Ukuthola i-FedEx enomshwalense wenani eliphezulu noma ukulethwa kwezithunywa zezikhali ezivela ekuhwebeni kwegolide nesiliva, noma ukubuza mayelana nezimali zezintambo ezisuka ku-akhawunti yomdayisi ziya kumdayisi wensimbi, kuwuphawu lweSigaba 3 Sebha Yegolide Umkhonyovu.
  4. Ukulungiselela ibhokisi lekhadibhodi eliqoshiwe, ibhokisi lezicathulo, noma imvilophu ye-manila ebhalwe igama lekhodi eyimfihlo: Izisulu ziyalwa ukuthi zigoqe izitaki zamabhili angu-$100 noma izigxobo zegolide ngephepha le-aluminium kanye netheyiphu yokudonsa ngaphakathi kwebhokisi lezicathulo futhi zibhale igama lekhodi noma inombolo yecala lomgunyathi esivalweni.
  5. Isofthiwe yokufinyelela kude efakwe kukhompuyutha yabo noma i-smartphone: Hlola izinhlelo zabo zokusebenza zekhompuyutha noma zefoni ukuze uthole amathuluzi okwabelana ngesikrini esilawuli kude (njenge-AnyDesk, TeamViewer, UltraViewer, ConnectWise ScreenConnect, noma i-Zoho Assist) lowo ofonayo "Microsoft/Apple/Norton tech" mbumbulu abatshele ukuthi bayilande.
  6. Ilinde ngokukhathazeka ngasefasiteleni elingaphambili i-Uber, iLyft, noma imoto engamakiwe: Uma umzali wakho edlula ngasemnyango ongaphambili ephethe iphakheji kuyilapho ebuka ocingweni lwakhe, lamula ngokushesha.

Amalungu omndeni, ababaleki basebhange, nabashayeli be-rideshare bangangenela kanjani ngokuphepha

  • Okwamalungu omndeni: Ungathethisi noma ungajabhisi isihlobo sakho; ukwethuka kanye namahloni kwenza izisulu zikwazi ukuzivikela. Thatha ifoni ngobumnene, uyibeke kokuthi Imodi Yendiza ukuze umkhohlisi angalokhu ememeza endlebeni yakhe, nihlale phansi ndawonye, ​​futhi ngokushesha ushayele umzukulu (noma ulayini wangempela wamaphoyisa endawo ongewona owezimo eziphuthumayo) efonini yakho ukuze afakazele ukuthi akekho osejele futhi akukho mvume yenhlangano ekhona.
  • Okwamabhange nabasebenzi bamabrokeke: Uma ikhasimende licela ukuhoxiswa kwemali enkulu ngendlela engafanele noma ukudluliselwa kwentambo kumdayisi wegolide futhi libonakala lithukile noma libheka ocingweni olusebenzayo, libuze ngokuqondile: "Ingabe othile ocingweni ukutshele ukuthi i-akhawunti yakho isengozini, ukuthi izisebenzi zasebhange azikwazi ukwethenjwa, noma zikunikeza ikhasimende indaba eyisikhava ukuze ungitshele mayelana ne-BI ye-Golding / F Ibonisa isixwayiso se-Gold namuhla? Umkhonyovu we-Undercover Sting ngokuvamile uphula isipelingi lapho amagama akhulunyiwe ehluleka.
  • Kwa-Uber, i-Lyft, itekisi, nezithunywa zephakeji zasendaweni: Izikhungo zobugebengu eziphesheya kwezilwandle zisebenzisa amakhadi esikweletu antshontshiwe noma ama-akhawunti alahlwayo ku-Uber Package (Uber Connect), i-Lyft, noma izinhlelo zokusebenza ze-courier zendawo ukuze ziqashe abashayeli begigi abangenacala ukuthi bathathe "iphasela elisemthethweni eliboshiwe" kuvulandi wendawo yokuhlala, indawo yokuhlala noma indawo yokugcina izigebengu. ulindile. Uma umnikazi wekhaya osekhulile ekunika ibhokisi lezicathulo eliteyishiwe, ethuthumela, noma ekucela "iphasiwedi eyimfihlo" lapho uthathwa: ungaqedi ukwethula endaweni yokupaka engaziwa. Shayela esiteshini samaphoyisa esiseduze noma ushayele ku-911/112/999 ngokushesha ukuze amaphoyisa akwazi ukuhlola okwenziwayo futhi abuyisele imali eyonge impilo yesisulu.

Indlela abomthetho bakwenza ngayo ukuvinjwa kwezithunywa eziphephile (kanye nendima yakho)

Uma umkhohlisi ekutshela ukuthi i-courier isendleleni eya endlini yakho emizuzwini engamashumi amathathu (noma kusasa ntambama) ukuyolanda izinti zemali noma zegolide, unethuba eliyivelakancane lokusiza amaphoyisa abophe inethiwekhi yeminyuzi yemali, inqobo nje uma ungakaze uzibeke engozini engokwenyama.

Uhlu Lokuhlola Ukunqanyulwa Kwamaphoyisa Aphephile

  • Isinyathelo 1: Gcina yonke iminyango ikhiyiwe futhi ushayele ku-911 / 112 / 999 ngokushesha: Tshela umthumeli wezimo eziphuthumayo ukuthi uqondiswe kumuntu osebenzayo wokuthatha i-courier courier esebenzayo, nikeza i-ETA enembile lapho i-courier ihlelelwe ukufika ekhelini lakho, futhi ugcizelele ukuthi awuvulanga umnyango.
  • Isinyathelo sesi-2: Ungalokothi ulungiselele iphakethe lemali langempela noma uphumele ngaphandle ukuze unikeze ibhokisi lokukhohlisa ngokwakho: Ungalokothi uphumele kuvulandi noma umgwaqo ohamba ngemoto ukuze ubhekane nezithunywa noma udlale umphenyi. Linda ngaphakathi kwekhaya lakho elikhiyiwe kuze kufike amaphoyisa agqoke umfaniswano futhi alawule umgwaqo ngobuhlakani.
  • Isinyathelo sesi-3: Londoloza yonke i-artifact yedijithali yabaseshi: Ungasusi izinombolo zocingo zomkhonyovu, imilayezo ye-WhatsApp, izinhlamvu ezifojile zokuthi "Federal Reserve / Supreme Court", noma igama lekhodi eyimfihlo. Nikeza ifoni yakho (noma izithombe-skrini zemibhalo esebenzayo kanye nesixhumanisi sokulandelela i-courier) ngqo kubaphathi abaphendulayo.
  • Isinyathelo sesi-4: Uma amaphoyisa engafikanga lapho ohambisa incwadi engqongqoza, hlala ngemva kwesicabha sakho esikhiyiwe: Bheka kuphela ngekhamera yensimbi yokuncencethwa emnyango noma efasiteleni lesitezi sesibili. Thwebula ividiyo ecacile yobuso bomuntu, izingubo zokugqoka, nenombolo yezinombolo zemoto ehlezi onqenqemeni lomgwaqo. Khuluma emnyango ovaliwe noma isipikha sekhamera: "Ngiyazi ukuthi lokhu kuwukukhwabanisa. Amaphoyisa abiziwe futhi akulo mgwaqo njengamanje. Hamba ngokushesha."

Qaphela umkhonyovu wokulandelela 'Umenzeli Wokubuyisela' ezinsukwini kamuva

Uma ulahlekelwe yimali noma igolide ngomkhonyovu we-courier, inombolo yakho yocingo ifakwa "kuhlu lwamazwe ngamazwe" olwabiwe phakathi kwezinkampani zokukhwabanisa. Ezinsukwini noma amaviki, uzothola izingcingo noma ama-imeyili avela kumgunyathi "I-International Fraud Recovery Task Force," "I-Interpol / FBI Asset Restitution Unit," noma inkampani eyimfihlo "I-Crypto & Gold Recovery Law Firm" ethi ibambe izimali zakho ezebiwe futhi ingazibuyisela inqobo nje uma ukhokha "imali yentela" engu-10% noma "imali yentela," "imali yentela" yokukhululwa, " Ayikho i-ejensi yomthetho esemthethweni eke ikhokhise imali, intela, noma idiphozithi ukuze kubuyiselwe izimali ezitholiwe zobugebengu.

Isivivinyo sezezimali esiphuthumayo uma usuvele unikeze ukheshi, igolide, noma ukufinyelela

Uma i-handoff isivele yenzekile, kungaba imizuzu eyishumi edlule noma ezinsukwini ezimbili ezedlule, yenza lezi zinyathelo eziyisithupha zokulandelanisa izimo eziphuthumayo ngokushesha:

  1. Shayela u-911 / 112 / 999 ngokushesha ukuze uthole ukulandwa okungokoqobo: Ngisho noma izithunywa zihambe ihora eledlule, i-Real-Time Crime Centers yamaphoyisa ingasebenzisa ipuleti lelayisense yemoto ethunyelwayo (ethathwe kukhamera yakho ensimbi emnyango noma kukhamera yomakhelwane) nge-Automated License Plate Reader (ALPR) ukuze imise umgwaqo omkhulu noma i-Lpoena imise umgwaqo omkhulu wemoto u-U. ikheli lapho i-courier ilethe khona iphasela.
  2. Uma uthumele ukheshi noma igolide nge-FedEx, UPS, USPS, noma i-DHL, qalisa i-Carrier Intercept esheshayo:
  3. I-UPS: Shayela ku-1-800-742-5877 noma sebenzisa i-UPS Delivery Intercept ku-inthanethi ukuze umise ukulethwa futhi ubuyisele iphakheji kumthumeli.
  4. I-FedEx: Shayela ku-1-800-463-3339 futhi ucele Ideski Lokukhipha Umzila Wephakheji Lokukhwabanisa / Lokuphepha elinenombolo yakho yokulandelela enezinhlamvu ezingu-12.
  5. Isevisi Yeposi Yase-US (USPS): Xhumana ne-Isevisi Yeposi Yokuhlola Yase-US ku-1-877-876-2455 bese uthumela isicelo Sokunqamula Kwephakheji ngokushesha.
  6. Uma uxhume imali kumthengisi wezinhlamvu zegolide futhi igolide alikathathwa umkhohlisi: Gcina amabha egolide ekhiyelwe ngaphakathi kwebhokisi lediphozi eliphephile lasebhange noma emaphoyiseni endawo ngokushesha, noma uma ukudluliselwa kwezintambo kuthunyelwe phakathi namahora angu-24 kuya kwangu-48 okugcina futhi ibhiliyoni ingakathunyelwa, tshela ibhange lakho ukuthi lithumele isicelo esiphuthumayo **SWIFT / Call Recall the Fraud compliance deal*Fedwire khansela i-oda.
  7. Nqamula ikhompuyutha yakho ku-inthanethi bese ususa isofthiwe yokufinyelela kude: Uma umkhonyovu uqale ngekhompuyutha ezizivelelayo noma ngekholi yosekelo lobuchwepheshe, vala umzila wakho we-Wi-Fi noma ukhiphe intambo ye-ethernet ngokushesha ukuze abakhwabanisi bangakwazi ukubuka isikrini sakho noma baqede ama-akhawunti akho ngenkathi ushayela ibhange lakho. Cela uchwepheshe wekhompiyutha wasendaweni ohloniphekile ukuthi asuse yonke isofthiwe yesilawuli kude ngaphambi kokungena ngemvume kunoma iyiphi iwebhusayithi yezezimali.
  8. Misa ama-akhawunti akho asebhange, amabhizinisi omhlalaphansi, nama-credit bureaus: Vakashela igatsha lakho lasebhange mathupha nelungu lomndeni. Vala noma iyiphi i-akhawunti yokuhlola noma yokulondoloza enenombolo ye-akhawunti edaluliwe, uhoxise noma yimiphi izintambo ezingagunyaziwe noma imiyalelo yamandla-ommeli, shintsha wonke amagama ayimfihlo okubhanga ku-inthanethi kudivayisi ehlanzekile, futhi ubeke I-Security Freeze yamahhala kuma-credit bureaus (Equifax, Experian, and TransUnion).
  9. Fayila imibiko esemthethweni yokukhwabanisa kuzwelonke ukuze ubhale phansi ukulahleka ngezinjongo zentela kanye nokubuyiselwa komhlaba:
  10. I-United States: Faka umbiko osheshayo nge-FBI Internet Crime Complaint Center (IC3.gov), Federal Trade Commission (ReportFraud.ftc.gov), kanye ne-DOJ National Elder Fraud Hotline kokuthi 1-833-372-8311.
  11. E-United Kingdom: Shayela Ukukhwabanisa Kwesenzo kokuthi 0300 123 2040 (bese ushayela u-159* ukuze uxhume ngokuqondile nangokuphephile emnyangweni wokukhwabanisa webhange lakho langempela).
  12. Canada: Bika Isikhungo Sokulwa Nokukhwabanisa SaseCanada (i-CAFC) kokuthi 1-888-495-8501.
  13. Australia: Xhumana ne-Scamwatch (ACCC) kanye ne-IDCARE kokuthi 1800 595 160*.

Imibhalo yomlomo yokuvala abafonayo nokuqeqesha amalungu omndeni

Kungakhathaliseki ukuthi usocingweni nomuntu okusolwa ukuthi ungumkhohlisi ngokwakho noma usiza umzali othukile ukuthi avale ucingo, ukuba nemishwana elungile iqeda ukukhohlisa ngokomzwelo ngokushesha:

Script 1: Uma ofonayo ethi umzukulu noma isihlobo sakho siboshiwe futhi ngaphansi "kwesinqumo senkantolo"

"Angixoxi ngezindaba zomthetho noma zezimali ezingcingweni ezingenayo. Ngivala ucingo njengamanje ukuze ngishayele abazali bomzukulu wami kanye nomnyango wamaphoyisa wendawo ngqo." (Vala ucingo ngokushesha ngaphandle kokulinda impendulo yabo. Uma befona bephindelela, shintsha ifoni yakho ifake Imodi Yendiza imizuzu eyishumi kuyilapho ushayela umndeni wakho komunye ulayini.)

Iskriphthi 2: Uma ofonayo ethi uvela ku-FBI, FTC, Treasury, noma I-Bank Fraud Unit futhi ikutshela ukuthi uthenge izinsimbi zegolide noma ukhiphe imali

"Ayikho inhlangano kahulumeni noma ibhange elike licele izakhamuzi ukuthi zikhiphe imali ebonakalayo noma zithenge izinsimbi zegolide ukuze zigcinwe ngokuphepha. Ngivala ucingo ngizihambela mathupha egatsheni lebhange langakithi ukuze ngikhulume nomphathi wegatsha kanye nephoyisa eligqoke umfaniswano." (Ungalokothi uvumele ofonayo ukuthi akudlulisele "kumphathi" noma "umenzeli wenhlangano" kulayini wefoni ofanayo; wonke amazwi akuleyo kholi awesikhungo sezingcingo esifanayo saphesheya kwezilwandle.)

Iskriphthi 3: Iphrothokholi "yeZwi Elivikelekile" yomndeni wonke ukuze kuvinjelwe izingibe ze-AI zokuhlanganisa izwi

"Ngaphambi kokuthi sikhulume nganoma yisiphi isimo esiphuthumayo noma imali, ithini izwi eliphephile lomndeni wethu?" (Yakha igama lekhodi yomndeni elilula, elikhumbulekayo, elingaxhunyiwe ku-inthanethi phakathi nesidlo sakusihlwa seholide noma umbuthano womndeni, njengegama lesilwane esifuywayo sasenganeni noma idolobha elithile lokuvakasha, elingalokothi libhalwe emibhalweni noma ezinkundleni zokuxhumana. Vumanisani njengomndeni ukuthi akekho ozoke afake imali ngocingo, akhokhe ibheyili, noma akholwe ucingo olunzima ngaphandle kwalapho ofonayo ekhuluma izwi eliphephile lomndeni ngokushesha.)

Imibuzo evame ukubuzwa

Ingabe inkantolo, ibhondi yebheyili, umnyango wamaphoyisa, noma i-ejensi yombuso izoke ithumele isithunywa endlini yami ukuthi siyolanda ukheshi noma izinsimbi zegolide?

Cha, ungalokothi ngaphansi kwanoma yisiphi isimo kunoma yiliphi izwe. Ayikho inkantolo, ijaji, umvikeli womphakathi, umnyango wamaphoyisa, ibhange, noma i-ejensi yombuso (efana ne-FBI, i-FTC, i-IRS, noma i-Federal Reserve) eke yathumela i-courier, umshayeli we-rideshare, noma i-ejenti eyimfihlo ekhaya lakho noma indawo yokupaka ukuze iqoqe imali yebheyili, inhlawulo, noma "ukugcinwa kwe-vault ephephile," futhi ngeke bakucele ukuthi uthenge amabhali egolide e-crypto. Noma yisiphi isicelo sokuthola imali yomuntu mathupha noma ukulandwa kwegolide singamaphesenti angu-100 umkhonyovu wobugebengu.

Umkhohlisi ocingweni angazwakala kanjani ncamashi njengomzukulu wami okhalayo noma ilungu lomndeni?

Izindandatho zokukhwabanisa zanamuhla zisebenzisa amasu amabili okukhohlisa izihlobo ezinothando: okokuqala, zisebenzisa isofthiwe yobuhlakani bokwenziwa (AI) yokuhlanganisa izwi edinga kuphela isiqeshana somsindo esingamasekhondi amathathu esikhishwe kuvidiyo yomzukulu wakho i-TikTok, Instagram, noma ye-YouTube ukuze baphindaphinde iphimbo yabo nokuphimisa; okwesibili, bavula ucingo ngokukhala okukhulu, okumile, noma isimangalo sokuthi "ikhala lami liphulwe i-airbag yemoto" ukuze ubuchopho bakho bugcwale izwi elijwayelekile ngesikhathi sokukhuphuka kwemizwa. Njalo vala futhi ushayele ilungu lomndeni wakho ngokuqondile enombolweni yalo yocingo eyaziwayo.

Yini okufanele ngiyenze uma umkhohlisi engitshela ukuthi ngiqambe amanga kubatsheleki bami basebhange lapho ngikhipha ukheshi noma ngifaka imali yegolide ngezintambo?

Yima ngokushesha bese utshela umthengisi wasebhange kanye nomphathi wegatsha iqiniso eliphelele mayelana nalokho ofonayo akuyale ukuba ukwenze. Abakhwabanisi bahlale beqeqesha izisulu ukuthi zixoxe indaba engelona iqiniso ebhange (njengokufuna imali eyokulungisa ikhaya, ukuthenga imoto yakudala, noma isipho somndeni) futhi ngezinye izikhathi bathi ababalisi basebhange ngokwabo bayizigebengu eziphenywayo, ikakhulukazi ngenxa yokuthi abasebenzi basebhange baqeqeshelwe ukubona ukukhwabanisa kwe-courier nebha legolide futhi basindise ukuphila kwakho konke.

Ingabe kufanele ngizame ukubamba noma ngibhekane nomhambisi wezincwadi lapho eza emnyango wami wangaphambili ezothatha iphakethe?

Cha, ungalokothi uvule umnyango wakho noma uzame ukuvimba, ukuvalela, noma ukubhekana ne-courier ngokwakho. Umuntu ofika endlini yakho umshayeli we-gig-economy engazi (ofana ne-Uber noma i-Lyft courier eqashwe ngokungaziwa ukuthi izothatha iphasela) noma umnyuzi wemali yesigebengu ongahloma futhi ube yingozi uma ekhoneni. Gcina iminyango yakho ivaliwe, shayela ku-911, 112, noma 999 ngokushesha nje lapho wazi ukuthi umthumeli usendleleni, futhi urekhode ubuso bomthumeli kanye nepuleti lelayisensi yemoto efasiteleni elivaliwe noma ikhamera yensimbi yokuncencethwa emnyango ukuze amaphoyisa.

Imithombo ihloliwe

  • Isikhungo Sesikhalazo Se-Federal Bureau of Investigation (FBI) Internet Crime Comlaint Center (IC3, United States): Izaziso Zesevisi Yomphakathi Ngokusekela Kobuchwepheshe, Ukuzenza Ongeyena Kwebhange, kanye Nokukhwabanisa Kwegolide Kwegolide Le-Courier Kahulumeni.
  • I-Federal Trade Commission (FTC) kanye ne-Consumer Financial Protection Bureau (CFPB, United States): Imikhonyovu Yebheyili Kagogo Nomkhulu, Izexwayiso Zokubamba Ngezwi ze-AI, kanye Nezinqubo Zokucatshangelwa Kwezezimali Ezidala.
  • Umnyango Wezobulungiswa (i-DOJ) I-Elder Justice Initiative (United States): Amanethiwekhi We-Transnational Money Mule Courier Nemihlahlandlela Yokuvinjelwa Kokuphoqelelwa Komthetho.
  • Isikhungo Sikazwelonke Sokuvikeleka Kwe-Cyber ​​​​(NCSC) kanye Nokukhwabanisa Kwesenzo / Amaphoyisa Edolobha Lase-London (United Kingdom): Ukukhwabanisa Kwezithunywa: Amaqhinga Okuqoqwa Kwamakhadi Ebhange, Imikhonyovu Ye-akhawunti Evikelekile, kanye Nokuqinisekiswa Kwe-Hotline Yasebhange engu-159.
  • Isikhungo Sokulwa Nokukhwabanisa SaseCanada (i-CAFC) kanye Namaphoyisa Agibele Kahle E-Royal Canadian (RCMP, Canada): Imikhonyovu Yebheyili Kagogo Nomkhulu Wesimo Esiphuthumayo kanye Nokuvimbela Ukulandwa Kwemali Ngaphakathi Komuntu.

Iziqondiso ezihlobene