Being aware is your first defense against being a victim of check fraud. At ADP, we want to make sure you know what to look for, so you can protect yourself. Here are some examples of common check scams:
- Overseas Business Offers
- Online Auction Overpayments
- Apartment Rental/Roommates
- Dating Websites/Romantic Chatrooms
- Work-at-Home Ads
To learn more, visit http://www.occ.treas.gov/chckfrd/chckfrd.pdf
Tips to protect you from these and other check scams:
- Be cautious of any offer that sounds too good to be true.
- Be cautious of any offer that requires you to purchase something, wire money, or provide account information.
Do not use contact information obtained from a letter or email received to verify the legitimacy of the information provided. Verify all information using independent means.
For more suggestions visit: http://www.fbi.gov/majcases/fraud/fraud_alert.pdf
Example of a recent check scam:
ADP has learned of a lottery scam that appears to originate in Canada. This scam involves the mailing of bogus checks appearing to come from ADP. These checks are not legitimate checks and have not been issued by ADP.
What you may receive:
A letter appearing to be from a legitimate company which notifies you that “you are one of the declared lucky winners” of a sweepstakes. The letter comes with two bogus checks appearing to be issued by ADP. One of the checks is for a much larger amount than the other. In the package, you may also receive a “Surety Bond Requisition Form.” These packages are postmarked in Canada. Click here to see an example of the fraudulent letter.
What is the scam?
The letter tells you that your prize money has been forwarded to the “Secured Bond Bureau”, and in order to collect your winnings, you need to contact the Secured Bond Bureau at the number provided. You will then be told to deposit the smaller check into your account and to send a sum of money to purchase the surety bond certificate that is necessary to claim the prize money from the larger check. The checks include bogus security markings, as well as telephone numbers for you to contact. The numbers are not those of ADP or the bank. These representatives, who answer the telephone, are not ADP representatives. Click here to see an example of the bogus check.
Law enforcement authorities are actively working to stop this scam, as well as other check scams.