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Ultimate Fraud

Scammers create and maintain fraudulent postings on many reputable job boards, for monetary gain, including Handshake and even networking sites like LinkedIn. While the ICC vets every position that is posted to Handshake, sometimes fraudulent postings make it through.

Ultimate Fraud

Having a very clear, accessible return policy published on your website is the first step to chargeback fraud protection for your business. Your policy should include details on processing time for returns, when they should expect the refund and any applicable fees.

Traditional ecommerce return policies may have served the ecommerce space well for years, but things change. The space has evolved so much, so quickly, that you need to protect yourself at all times from fraudsters who quickly take advantage of loopholes in your policies.

It costs nothing to apply for student loan forgiveness, so anyone who asks you to pay a fee is committing fraud. In addition, the U.S. Department of Education won't contact you by phone. You can stay safe and avoid student loan forgiveness scams by going directly to the Department of Education website for information about applying for forgiveness.

Scammers are turning to Zelle, the peer-to-peer payment app, as a means to steal people's money. The scammer will email, text or call you pretending to work for your bank or credit union's fraud department. They'll claim that a thief was trying to steal your money through Zelle, and that they have to walk you through "fixing" the issue. Then, they may instruct you to send the money to yourself, but the money will actually go to their account.

After gaining your trust, they may ask you to buy them something or send them money. Recently, some scammers have posed as investors and shared false investment tips with their victims, which could lead you to invest in a fake opportunity. Or, the person may "mistakenly" send you money and ask you to send it back or forward it to someone else. If your bank later determines that their payment was fraudulent, the sum of the payment will be subtracted from your account.

Scammers often sell goods on marketplace websites or social media, although some set up fake e-commerce stores. Always look for red flags such as too-good-to-be-true prices, lack of details or high-pressure sales tactics. Scammers may also use triangulation fraud to take money from you when you buy something online, only to purchase the item you want with someone else's stolen credit card. They'll send you the item, and you may never know that they'd used a stolen credit card and pocketed your money.

Refund scams can take many forms, but merchants are typically most familiar with returns abuse. Bad actors defraud companies by returning items that were stolen, tampered with, used or worn, or marked as final sale. When these returns occur in person, they are easier to detect and deny. But as retail has moved primarily online and returns are no longer face-to-face, abuse cannot be identified until after the fact. This can become an operational headache.

But recently, a new scam has emerged: fraudulent refund requests, where customers claim an item was not received and subsequently request a refund. Fraudulent refund scams such as refund abuse, where a fraudster claims a package was not received, are a growing threat to merchants because they are difficult to detect and result in significant monetary losses. And unlike returns abuse, which one-off bad actors typically commit, delivery-not-received fraud is happening on a large scale.

In order to cancel the fake order, you'll either have to click a link or call them on the telephone. Either way, the ultimate goal of the scammers is to get you to give them some personal information. They'll claim it's for the purposes of canceling the fake order. They'll want your name, address, phone number, and very likely your credit card or banking information. If you protest, they'll insist they only need that information to confirm your identity.

The ability of anyone to purchase anything, from anywhere, at any time of the day or night, offers incredible opportunities to each of us and to each of our virtual neighbours around the globe. Unfortunately, some of those neighbours do not have our best interests at heart. One fraud type involves sending fraudulent checks or money orders, usually by UPS Next Day Air service, either in response to an online advertisement or as part of a fraudulent job offer. Do not assume that the method of delivery lends any legitimacy to the contents of the package.

If you have received an unexpected check or money order, you should assume it is fraudulent. You should also be extremely cautious if you receive a check or money order for an amount greater than the expected amount. You may be contacted by e-mail with a request to cash or deposit the money and return a portion of it using Western Union or other means. The fraudster will advise that you keep a portion of the money, which is less than generous considering the original check is probably fraudulent. Even the bank may initially believe the check or money order to be legitimate, only to discover the truth later and return it to you for repayment.

We regularly monitor the Internet for the unauthorised use of the UPS brand to protect our customers. The unauthorised or unlicensed use of UPS intellectual property (trademarks, copyrights, patents, and trade secrets) is monitored and acted upon, if known. Please note that some fraudulent websites may have the look and feel of a legitimate UPS website. To be assured you are accessing an authorised UPS website, use "" or "" rather than a link embedded in another source.

Fraudulent e-mails adopt many different forms and are the unauthorised actions of third parties not associated with UPS. These e-mail messages referred to as "phishing" or "spoofing" are becoming more common and may appear legitimate by incorporating company brands, colours, or other legal disclaimers. Help protect yourself by becoming familiar with these methods of fraud:

Please be advised that UPS does not request payments, personal information, financial information, account numbers, IDs, passwords, or copies of invoices in an unsolicited manner through e-mail, mail, phone, or fax or specifically in exchange for the transportation of goods or services. UPS accepts no responsibility for any costs or charges incurred as a result of fraudulent activity.

Awareness and recognition of fraudulent letters, e-mails and phishing attempts is vital to protecting yourself against theft and other related crimes. Common indicators that an e-mail might be fraudulent include the following:

In addition to fraudulent websites and e-mails, fraudsters also may use the telephone, text messages, a fax machine, letters, or other communication methods in an attempt to gather your personal information. These fraudulent communications are the unauthorized actions of third parties not associated with UPS. Fraudulent communications claiming to be from UPS may claim to indicate a package is waiting to be delivered. These communications will generally ask you for personal information and/or a payment in advance of receiving a package, or may indicate a need to update your account by obtaining personal information or a copy of your UPS invoice. The links in the text messages may contain malware or direct to a fraudulent website.

Most illegitimate "work from home" job scams can be avoided by watching out for unrealistic pay promises with no experience necessary, or jobs that require you to make a payment before divulging specifics. Some of these scams, however, are more difficult to identify as fraudulent, and may result in you being personally liable. Some identified examples include:

Credit monitoring services can provide you with early notice of potential fraud on your credit report, so you can take steps to protect your personal information. While these services can't actually prevent identity theft, they can keep you informed so you can take action if you notice something is wrong.

Meanwhile, Advanced and Premier both review reports from all three bureaus and monitor everything included with Basic, plus some additional factors, depending on the credit bureau. These include changes to the name on your credit report (Equifax report only), new employment listed (TransUnion report only) and fraud alert placed (TransUnion report only).

In addition to identity monitoring, many ID theft protection companies also offer credit monitoring. The best identity theft protection plans monitor all three major credit bureaus and will alert you if a change appears on any of your credit files. They may also provide assistance with adding a fraud alert to your credit reports as well as locking or freezing them.

Note that if your information was recently compromised in a data breach, the company that leaked your data may offer you free identity theft protection for a certain period of time. Also, when it comes to financial account monitoring, many credit card issuers today offer built-in fraud protections and alerts.

Some identity theft companies do include credit monitoring and credit scores in their service plans, although you should check to make sure. Also note that some providers only monitor one of the credit bureaus instead of all three, which may not give you the complete picture of any fraudulent activity.

If your identity is stolen, you should head to the website right away. This website will ask you some basic information and help craft a recovery plan with your next best steps. Based on your situation, your next moves could include calling companies where the fraud occurred, reporting the identity theft to the FTC and filing a police report. If you have an identity theft protection plan, the company representatives will help you with each of these steps.

Your digital safety is our top priority, always and everywhere. These comprehensive suites safeguard your digital life by seamlessly combining the ultimate award-winning device security with protection against identity theft and privacy intrusions, plus credit protection. 041b061a72


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