The mystery shopper scam is one of those scams that victims have been losing money too for quite some time.
The scam works like this, first the victim will answer an advertisement or an email to become a “mystery shopper” from there you are “hired” by a company to shop at a certain store and then report on the experience for quality control purposes.
RELATED: World’s Biggest Banks Fined Money Laundering
The tipoff that these solicitations are mystery shopper scams can be immediate and obvious.
Consider this copy of an email for a mystery shopper scam that I recently received, with its glaring grammatical errors and missing words:
“Hello, We are a company engaged in the mystery shopper field.
We need a team filled some people with age, residence location, experience and other different.
“Description;
“You will be assigned to visit the shop, store, bank, etc
You have to pretend to be a normal potential customers who’re looking for a specific product/service
You will then complete questionnaires online to share with us your customer’s experience
Get $350/assignment, at least 2 assignments/week will be assigned.
“Requirements;
“18 years old or above
Can read and write English
Can speak the local language well”
And the registration part,
“Registration;
“If you are interested reply this email fill out information below to get started:”
. . . Which asks for name, address, etc., . . .
“So we can look at your distance from the locations which you have to put your service, and your address would also be need for your payments.”
The bottom of the email identified a copyright date of 2005-2017 for the “Agent Center for MysteryShoppers.”
RELATED: Ransomware: Free Porn
One reason this type of scam works so well is that there are real mystery shopper jobs. But keep in mind that so many people are interested in this work that the real mystery shopper companies have no need to advertise to hire people. So, they do not send out unsolicited emails such as the one above.
Once a victim takes the bait, they are sent what may appear to be a certified check. The victim is instructed to deposit it into his or her bank account and use the money to make the assigned purchases. The check is for more than the amount the mystery shopper is instructed to spend.
The victim is told to keep a specified amount as payment and wire back the remaining funds. It is only after the money has been wired from the victim’s own bank account that the victim learns that the check was counterfeit and has bounced. Of course, the funds wired from the victim’s bank account to the scammer are gone forever without any effective recourse.
This problem is made worse because banks give provisional credit to deposited checks after a few days, so it could appear at first glance that the check has cleared and the funds are fully available. But provisional credit can be rescinded once a check bounces. It can take weeks for a check to fully clear and the funds actually be transferred into the account of the person receiving the check.
Many victims of the mystery shopper scam have thought they were prudent because they waited a few days to confirm (or so they thought) that the check was legitimate. Only later do they find out they only had received provisional credit for a check that was in the end no good.
The sending of a check for more than is actually owed and requesting the remainder be wired back is the basis of many scams. These include the sale of products in response to online advertisements placed by legitimate sellers who are scammed into sending their own money to scammers pretending to purchase their items for sale.
Another variation of the mystery shopper scam involves thieves that solicit payments for information about becoming a mystery shopper or offering a certification program or registration program for which you have to pay.
MSPA Americas, which was formerly known as the Mystery Shopping Providers Association of North America, is a trade organization made up of legitimate mystery shopping companies. Scammers will often send emails or make telephone calls posing as either MSPA Americas or one of its member companies. But of course neither the MSPA Americas nor any of its member companies will ever ask you to deposit checks and wire excess funds to them.
So how do you recognize and avoid this mystery shopper scam?
1. Simply ignore emails or advertisements for mystery shopper jobs. They are scams.
2. Research online particular mystery shopping companies you may want to consider contacting to make sure they are legitimate.
3. Don’t pay a fee to get a list of mystery shopping opportunities.
4. Don’t pay to become certified as a mystery shopper.
5. Always be skeptical when you are asked to wire money in any business transaction. Unlike credit card payments where you can get fraudulent payments erased or sending a check that you can stop payment on, wired funds are irretrievable from the moment they are sent.
And the most important tip of all:
6. Never deposit a check for more than you are owed and wire money back to the person sending you the check, and never consider a payment you receive by check as being in your account until it has fully cleared.
Are you a victim of fraud or money scam? Share your story with us on the Money Credit and You Facebook page!
Original article published on www.USAToday.com
