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Contents - List of Scams by Type and by profession.

 

 

 Analysis of this letter             
How not to fall for this scam
Rating: Dangerous. This email looks and feels authentic at first glance.

Genuine BOA Logo was HERE
 Dear Valued Customer : We recently have determined that different computers have logged in your Bank of America Online Banking account, and multiple password failures were present before the logons. We now need you to re-confirm your account information to us. If this is not completed by April 11, 2007, we will be forced to suspend your account indefinitely, as it may have been used for fraudulent purposes. We thank you for your cooperation in this manner. In order to confirm your Online Bank records, we may require some specific information from you.

To restore your account, please Sign in to Online Banking.
thank you for using Bank Of America Online Service.

Your account might be place on restricted status. Restricted accounts continue to receive payments, but they are limited in their ability to send or withdraw funds. To lift up this restriction, you need to login into your account (with your username or SSN and your password), then you have to complete our verification process. You must confirm your credit card details and your billing information as well. All restricted accounts have their billing information unconfirmed, meaning that you may no longer send money from your account until you have reactive your billing information on file. Sign in to Online Banking
Thank You.
 

Please do not reply to this message. If you have any questions about the information in this e-Bill, please contact your biller. For all other questions, call us at 800-887-5749.

How do I know this is a scam?
Put your cursor over the link to sign in and you will see that there are 2 domains listed. The first is where it really goes the second is to make you think it is really the Bank of America. www.account-banking.com is a dead domain being hosted by a reputable company. One of the files has been hijacked apparently by someone who has figured out how to crack the security.
 
     
How do I avoid making this mistake?
VERY SIMPLE.. never EVER simply click on a link for your bank. MOST banks if not all including Paypal will tell you that they do not include links in their emails. Type the email into the browser bar yourself. Beyond that when you visit a site look at the Browser Bar and make sure that the address matches that of your bank, but look C-a-r-e-f-u-l-l-y they may have the name of the bank somewhere IN the address to fool you. Look at the first few letters..  http://www. this area is the address. com
If the address area does not include the EXACT domain name then it is a phony.. It may include what is called a subdomain.. which is valid.. for example.. I will use a fictitious bank name.. Jimsbankandtrust.com
If you are on Jim's Bank and Trust you might see this  http://www.signon.jimsbankandtrust.com that is most likely legitimate and part of the bank.. jimsbankandtrust.com is what HAS to be before the .com or the .net or .org for the address to go to that website.
If for instance you get this.. http://www.signon.abcvideononsense.com/jimsbankandtrust.html
You are not at Jim's Bank and Trust you are at ABC Video Nonsense.. Or any other name of a website you could imagine.. Also watch that the domain ending.. the Dot Com, Net, or Org is not something else like a country domain.. YOU HAVE TO KNOW YOUR BANKS ADDRESS .. and any deviation may be an attempt by someone to Phish you. Watch for single letter changes or dyslexic like changes of letters that are meant to LOOK like the real address.
In the end... the absolute safest way to check your account is to type the domain in yourself and then save it to favorites if it is a difficult name.. BE CAREFUL to check the address each time. I imagine it is possible to get a Browser Tool Bar Virus that could kidnap your information.. but if that happens you already have bigger problems.
If you get a notice from your bank, most likely it will ask you to check your messages on your account. All correspondence from your bank will be ON your account, as it will with Paypal.com. Should you get a notice of a charge, or a hold on your account, do NOT click on the link on the notice. Go directly to your  bank account and check it. You will most likely find that there is no hold, charge and no message from the bank. By not sending you email about your account banks make it possible for you to KNOW that an email with a link in it is a scam. "IF IN DOUBT, go directly to your Account.. "