November 16, 2011, 2:48 PM — Listen up, aspiring Internet fraud artists: If you're going to perpetrate a scam, you've got to sell it!
This truism was brought home to me Wednesday when I received two bogus emails. Now, having been online professionally since way back when Yahoo was the darling of Silicon Valley, I just don't fall for phishing scams. Most of us don't.
But every other year or so you still read about someone hopping on a plane to Nigeria to hand over their life savings to a mysterious government official or representative of royalty. So naivete lives on.
Still, scammers, you've got to have some game. Who's going to be persuaded by this email I received shortly after noon?...
Re: Starbucks Coffee Giveaway
ATTN Facebookers, Starbucks Corporation is giving out holiday gift cards! Rush, Don't waste a minute. Here is webpage http://ibfcdrvd.tumblr.com There only 52 left!
The sender is "Mohammad Al Zgoole," a not particularly believable name. Worse, the email recipient address listed isn't mine, or even close to it. Those are obvious red flags.
But red flags sometimes can be obscured with a little misdirection -- a sales job, lots of realistic-seeming details (for verisimilitude), etc. Mohammad doesn't even try, other than a feeble attempt to induce panic in email recipients that the coffee shop gift card that could be theirs will be gone forever if they don't act right now! Could the stakes be higher?
Now, I know there's a school of thought that poor spelling and other errors in a scam email can lull potential victims into a false sense of security. You know, "These people are so stupid, how could they possibly scam me?" But as a veteran scam target, I find sloppiness to be a turnoff. I only want to deal with competent scammers!
The other suspect email I received Wednesday was a much better effort, though still fatally flawed.
Rejected ACH transfer
The ACH transaction (ID: 2723917770989), recently initiated from your checking account (by you or any other person), was rejected by the other financial institution.
Transaction ID: 2723917770989
Reason of rejection See details in the report below
Transaction Report report_2723917770989.doc (Microsoft Word Document)
The NACHA Operating Rules provide the legal foundation for the exchange of ACH payments and ensure that the ACH Network remains efficient, reliable, and secure for the benefit of all participants. In its role as Network administrator, NACHA manages the rulemaking process and ensures that proposed ACH applications are consistent with the Guiding Principles of the ACH Network.