Identity Theft - Why it's so devastating

this is a scammer at work and I have access to his desktop I can't elaborate on how I've got the access because I'd lose it in future but this camera is about to ask his victim for some identity documents she's in real trouble critical alert from Oregon you can already see some other identity documents from some of the people they previously scammed but this potential victims name is Nancy yes again they've just gain access to Nancy's computer by getting a type and help me dotnet I'm reading out the number that's displayed this gives these scammers the remote access that they need to carry out the scam they also install TeamViewer these scammers are running the refund scam this is where they make a call to the victim promising some sort of refund but they have to gain access to the victims computer first they have asked this victim to keep her email open this is because they will be registering various accounts in her name and will confirm it using her own email account now we are gonna simply verify your identity first of all okay so I believe Nancy you have a mobile phone with you they want to be able to blacken out her screen and prevent her from typing or using the mice so they install these features on TeamViewer they also want her to have her mobile phone handy because the bank will be sending various pin numbers to confirm transactions they need to be fully set up I'm saying just go and bring your mobile phone they want to reassure her with the language that they use take your time no problem you take your sweet time I'm not in a hurry once she confirms that she has her mobile phone handy they're ready to start into the scam they start by making sure that the black screen is actually working no problem and now you will see a black screen coming up on your computer screen can you see that it's it's black sleep absolutely correct so don't touch the computer okay leave the computer as it is now we are going to simply start the verification process of course there is no process all what's going on is that these guys are registering account in her name on coinbase comm coinbase allows you to buy and sell cryptocurrency a favorite of scammers as they registered the account they confirm the exact spelling of nancies for name surname and email address they don't tell her the password now I believe you have a driver's license with you right okay now we need to verify your identity because your refund is five hundred dollars so that's a big amount okay so you just do one thing just you have a printer just just put your driver's license on the top of the printer the scammer casually verifies her email account on coinbase and asks her to get a scan of her driving license he gave me okay okay in the meantime just confirm me on mobile phone number like most banks coinbase require a number of items of identity including a driving license on a phone number Nancy dictates her cell phone number believe your license because we are gonna verify your identity just to prove that you are a citizen of United States that's it okay first of all check your mobile phone you have received a text message just open up the text message yeah just open up the text message they carefully delete the registration email that was sent to Nancy's email account now it has it has a seven digit code just give me that code the scammers are using Nancy's own PC to register the coinbase account and they're also using her own mobile phone there's no way that coinbase can distinguish Nancy from a legitimate person who wants to register a coin B as a kind remember she can't see what's going on on the screen now just confirm me a date of birth they spend the next few minutes gathering all the personal details need to complete the current creation it includes the last four digits of her social security number put your driver's license onto the scanner and once you have put it inside the scanner just let me know you did okay just give me one second the reason why this scam is so effective is that the scammers are overcoming all of the various security measures which coinbase is put in place to try and protect potential victims they have what looks like a real application from an IP address in the United States some real identity documents a mobile phone and an email address all of which are associated with a real person the weakness and all of this is at no point can be swell actually speak to the person registering the account they rely entirely on documents transmitted over the Internet now you will teach but make some noise in its Kanak the vast majority of the victims of this sort of scam are well into their 70s and Nancy is no exception she's probably never used this scanner before but the scammer on the end of the phone is only too happy to make use of the software on her own PC to scan in her identity document um and scan completes they check their handiwork oh no I'm basically see I'm not here to said anything right I'm just here to give you a money back but I'm just telling you the truth believe me now just do one thing now just do one thing just for now put the backside of your driver's license you stake out your driver's license just flip it over coin base require both sides of the license and have sped up the bit where they also scan the back of her license once her email address is confirmed the next step is to prove her identity on coinbase so they proceed to upload the driving license they've just scanned you and with just a few minutes work the scammers and I have access to an account which will be very valuable to them they can launder money using this account and it will all look as if Nancy is to blame but they still want Nancy's money so they on blacken her screen now can you see your screen yeah can you see congrats your account is ready your identity has been verified okay now you will see the back screen again just wait once again they delete any trace of the information sent by coinbase to this woman's email account with this level of ID checking the scammers can now send and receive digital currency that's exactly where they wanted to be next the open security settings now you'll receive under the text on your phone so just check it the text messages are always sent so that if someone did hack your coinbase account you would be able to verify the transaction that would happen but not in this case can you see that the victim believes that this is part of the refund process and there's no idea what's really going on no problem take your time give me the code give me the code this part is vital the scammers need a certain 16 digit secret code which will enable them to gain full access to the account 7 382 now you don't have to keep these numbers basically they took a photograph of the secret code this will allow them to verify any transactions they need to themselves rather than rely on the victim to do this for them ok now you will see your screen back again with your bank so that we can start the refund okay so just go ahead and log into your account it goes without saying that no one will ever ask you to log into your online bank account in order to facilitate a refund if they're a genuine company and they want to refund you they'll just refund you there's never a need to be logged in especially when someone's remotely connected and click on submit and it will take you to the bank once logged in it's obvious why the scammers are targeting victim she is a substantial amount of money in the account okay so in which account you want the money into your 50 plus checking or relationship checking which no genuine organization would need to know 50 plus checking you want the money to this account right okay I'm gonna simply open it up that account and I will give you the money to this account okay so now just be handy with be handy with a pen and a paper be handy with a pen and paper means that the scammer wants to distract the victim usually at this point in the scam the scammer will want to edit the HTML on the page to make it look as if he sent a payment however when the victim has multiple kinds as in this case it's easier to transfer some money from one of their own accounts into this one unless the victim checks or other accounts it'll look like money's been transferred in no it's just take a piece of paper are you handy with a pen and a paper okay now can you see your available balance over here as always with a refund scam they want the victim to write down their exact balance can you see it just write down that available balance on a piece of paper okay now why I have told you to write down the available balance because right now I'm gonna simply process the refill so once the refund will be processed your balance will change and it will increase okay am i blocking the screen again you can do be easily able to understand so right now you will see a black screen do you see a black screen okay alright so now which means that the refund will be starting right now okay just wait once again he carefully removes any evidence of the coinbase account and then he navigates his way to the transfer funds section of the online bank account after the refund will be transferred I'll let you know stole he pulls down a list of the victims owner coins he selects the one with the most money in it over a hundred thousand dollars and selects the one that she wants him to transfer the refund to between the scammers in the room they decide they want twenty-one thousand dollars out of this victim they give it the description refund transfer credit so that it looks even though it's been moved from one of the victims own accounts they ensure that they don't show the account summary showing that one of the accounts has just lost 21,000 and another has gained 21 K okay because you know there are many hundreds of customers getting the refund at the same point of time okay so according to that the refund is being processed you will see your account right right now so once you see that just let me know that and so they come black in the screen I'm Ally the victim to look at what they've done you will see on your statement as deposit refund transfer credit you can see deposit refund transfer credit from our site annoy the inevitable reaction from the victim too much money I know the acting skills of the scammers can kick in $21,000 Oh oh my god Nancy I think there is a mistake okay just hold on give me one second let me have it let me have her let me have a talk with a banking team oh goodness me Jesus Christ just hold on Nancy give me one second okay stay on the line uh-huh thank you very much and really appreciate your honesty just give me one second here it's a suitably long time before getting back to Nancy this is all part of the Act okay Nancy can you hear me okay oh my god Jesus Christ Nancy what just happened is I just had a talk of a banking team okay and that is totally my mistake okay what happened is Nancy it's a typing mistake okay then I was putting in the amount okay there was a typing mistake my computer got free stuff and by mistake it went on to the wrong amount okay and as you can see the money is available into your account you can see that right your balance was one thousand one hundred and ninety five dollars sixty five cents right now it's twenty two thousand one hundred ninety five mm yes yes right so Nancy it's totally my mistake it's oh my god and I really appreciate your honesty Nancy there you are such an honest person that you told me about the mistake because otherwise it if oh my god Nancy the it's a big mistake I have done it's a very big mistake I have done and if my senior manager will come to know about this mistake he will kick me out of the company you know he would simply and this is the this is the only job for which I live for Nancy has a very huge family and I'm the only running number so now let me explain you over here Nancy now at this oh Jesus Christ you'd almost think he'd rehearse this yes yes I'm explaining you see you've got twenty-one thousand dollars I'm explaining you on a notepad okay out of which 500 is your refund right so once you take out your 500 from twenty one thousand you will see that you've got twenty thousand five hundred dollars extra from our site right now they insist it's a it's a big mistake that we have done we are a global company an authorized company and this is the biggest big mistake that we have done okay because these kinds of mistakes are not accepted okay but still an NCC it's a big mistake that I have done okay and at this point of time you are the only person in this whole world who can help me out to save my job and my life okay because Nancy like I'm just shivering right now believe me I'm just shivering right now okay no now yes no Nancy I'm gonna give you I am Telling You you are you you can help me out and I will tell you how we can fix this out okay so this is a mistake that we have done so the company will give you a three times compensation okay that's basically you can say it's a penalty that we are paying you so three times compensation means three times of five hundred that your brief an amount okay so in total you will get 1500 yes that's a mistake that we have done that is the reason the company is paying you a penalty okay the compensation all right so 1500 you are gonna get from our side plus 500 which is your refund okay so in total Nancy it's you're very good today it's a very good day for you you will get two thousand dollars in total okay again all part of the script yes Nancy yes Nancy god Bless You God bless you Nancy now see out of the twenty one thousand dollars if you keep two thousand dollars with you Nancy then you can see you have to return us back $19,000 okay which is left right right so Nancy what you can do this I will simply like CNN see first of all I will tell you one thing that it's a big mistake that I have done so I would request you and begging in front of you please do not say anybody about this mistake okay because your bank yes because you okay thank you very much because your bank is also seeing your banker is just thinking that this is a normal transaction okay I'm with her screamed like and once again they do the necessary transaction to create reference number which will be needed when you transfer money to a coin base account so they're basically going to get Nancy to transfer money into an account which the scammers own on being coined base they can translate these 19,000 US dollars into cryptocurrency and once converted into Bitcoin it will be almost impossible to trace where that money has gone once he has all the necessary information on the screen he coaches the recipients name account number routing number bank address bank country recipient address reference number and the amount okay make sure they make sure that make sure that reference number is very important okay right now what you need to do is Nancy you just need to go to your bank okay and you have to go to the bank now okay because we have to sort this out now mooo spikes won't allow this so the size of wire transfer without it being in person okay I'm calling you back pick up my club by in the end it took me quite a while to find the right number for Nancy but eventually I got through to her husband she had already gone to the bank and I was wondering whether it was to debt to stop this transfer as it turned out I would struggle to be believed hello hello is that Nancy which why it takes me a while to persuade Nancy's husband that I'm genuine and you can hear the whole thing on my patron Channel okay you know why why all of a sudden are you calling us and this because I'm getting curious about something right now yeah I'll tell you why she actually gone out to a bank to make a transfer by any chance right if you wouldn't mind could you try to contact her on her cell phone get her to check all of her accounts all of them and make sure that the money which is in her account which the scammers have said we paid you too much hasn't just come from one of her own savings kind that's how the scam works and then they okay make it look as if they've sent money when in fact it's your own money and she's being nice to them on returning some of that money and I fact it's your money so please just yeah if you could phone her and warn and that's how the scam works and as soon as you can please thank you okay thank you bye so it took a while to persuade her husband but eventually the message got through however to my horror the scammers accessed these people's bank account and I could see that the wire transfer had already happened I thought that the scammers were immediately going to try and convert this money into cryptocurrency and spirited away to India however a very short time later the scammers Hebrew keeping an eye on the account saw this the withdrawal have been reversed Nancy have got the message and now the money was back into her account again well done to her husband at this point the scammers had realized that the game is up and I observed them very quickly withdrawing from these people's PC success but only just in the nick of time I did contact Nancy a little while later to make sure that the coinbase account had been removed and that she had updated the password on her bank account the obvious advice is no one will ever give you a refund and won't accessed your bank account at the same time this is always a scam if you're a pitcher on a mine you get to see these videos a little bit earlier and sometimes I can make extended versions of them like in this case if you can't possibly sponsor me the link is patreon.com/scishow browning or alternatively there's a PayPal link here or indeed that coin if you can possibly help me right this way as always I have a Twitter feed at Jim browning eleven and once again thanks for watching [Music] you

Channel: Jim Browning

Views: 145,563

Rating: 4.9840817 out of 5

Keywords: identity theft, refund scam, jim browning, scam, microsoft scam, computer scam, online bank, bank scam, fake refund, remote access, teamviewer, helpme.net, logmein

Id: HSE1tOnIWbc

Length: 21min 14sec (1274 seconds)

Published: Tue Mar 05 2019

Reddit Comments

[u/VYJ]

It's extremely sad that people like this exist. Very well done to Jim for spreading awareness on the social engineering methods they use.