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I haven't seen this with a loan on the other end but I've definitely heard of it with a payment: they send you a large amount, then contact you to tell you it w

I haven't seen this with a loan on the other end but I've definitely heard of it with a payment: they send you a large amount, then contact you to tell you it was a mistake, but it was their fault (or sometimes _your_ fault) and they just need you to send the excess back to them. Of course after you send that real transaction "returning" the extra amount, you find that the check from them didn't clear (or that the transfer didn't happen for whatever other reason; a modern variant uses remote desktop to trick the victim into thinking a large amount of money is in their account when it's not). Though with a three week delay that's probably not what's happening here.

Terretta 4y ago
> Though with a three week delay that's probably not what's happening here. If a deposit is fraud, the banks are accountable to reverse it when discovered (inside applicable statutes of limitations for financial fraud), and you as account holder agreed to that when you signed up. Only rarely do banks on the ends have to eat the amount instead of one of the account holders. No money given to you incorrectly through a bank is yours (unless your lawyers are better with more staying power than theirs, because in practice, contracts are basically irrelevant when litigated with sufficient will and skill).
mmerlin 4y ago
Kitboga is one of the best "shaming vigilantes" attempting to embarrass these kinds of scammers into reevaluating their life choices and choosing a more honorable life path https://youtu.be/6ccdd2HSY30 https://youtu.be/6ccdd2HSY30
- dpedu 4y ago
  The type of scammers Kitboga deals with aren't really the same as what's discussed above, but it's close. The scammers Kitboga deals with typically operate by gaining access to your PC, having you log into your bank account, and using your browser's html debugger to edit the screen to make it appear as if they actually sent you too much money. Whereas the offline, traditional, version of this scam actually involves sending you a bad check and you depositing it and hoping you send them money before the bank figures out it was a bad check and removes the money from your account.
BonoboIO 4y ago
Would not work on me, corporate sends me money as surprise … it’s stays :D

Terretta 4y ago

> Though with a three week delay that's probably not what's happening here. If a deposit is fraud, the banks are accountable to reverse it when discovered (inside applicable statutes of limitations for financial fraud), and you as account holder agreed to that when you signed up. Only rarely do banks on the ends have to eat the amount instead of one of the account holders. No money given to you incorrectly through a bank is yours (unless your lawyers are better with more staying power than theirs, because in practice, contracts are basically irrelevant when litigated with sufficient will and skill).

mmerlin 4y ago

Kitboga is one of the best "shaming vigilantes" attempting to embarrass these kinds of scammers into reevaluating their life choices and choosing a more honorable life path https://youtu.be/6ccdd2HSY30 https://youtu.be/6ccdd2HSY30

dpedu 4y ago
The type of scammers Kitboga deals with aren't really the same as what's discussed above, but it's close. The scammers Kitboga deals with typically operate by gaining access to your PC, having you log into your bank account, and using your browser's html debugger to edit the screen to make it appear as if they actually sent you too much money. Whereas the offline, traditional, version of this scam actually involves sending you a bad check and you depositing it and hoping you send them money before the bank figures out it was a bad check and removes the money from your account.

BonoboIO 4y ago

Would not work on me, corporate sends me money as surprise … it’s stays :D