I have a boat for sale. The sea is still one of my big passions, but I simply have too little time to use it. So I decided to let it go. I will buy a bigger one later, when and if I have more time. It’s still winter in Finland and all the small boats are on dry land covered by snow. But spring is approaching and the boating fever is spreading. It’s the right time to publish an ad on the net.
Soon I get a mail from a nice young lady. Let’s call her Mrs. Witney De Villiers, as that is what he or she called herself. (Probably a randomly picked false identity, any similarity to real existing persons is purely coincidental.) She was very keen on buying my boat and we had a nice conversation over a couple of days. I did unfortunately not sell the boat, but I got a nice story to tell instead. I will not bother you with all the details, so here’s a shortened version with all the important parts included.
– Hi, I’m in Mexico and I want to buy your boat. How long have you had it? What’s the final price? (Well, I’m in Finland and this is the point where I became more or less convinced that it is a scam.)
– I have had it for five years.
– OK, the price is fine. I want to buy it. Please take down the ad. What’s your PayPal account info so that I can make a payment? I’ll cover the PayPal charges. (Needless to say, the ad remained up.)
– Good news. I can accept wire-transfer which would be a lot cheaper for you than PayPal. (She can’t accept if this is a traditional PayPal scam.)
– Sorry, but I can’t do wire-transfers now. I only have access to PayPal because bla bla blaa …. (Yes, another scam-indicator.)
– OK, I created a PayPal account. Here’s the account info. But there’s some paperwork we need to handle before we proceed. Please fill in the buyer’s part of this attached contract and mail a scanned copy to me. I also need a picture of your photo ID. (The provided PayPal account info was false.)
– Great! I have made the payment. “Check your mail as there should be a confirmation mail from PayPal. I made an extra payment of 3650 € and I’am sure you noticed that, you’ll have to send the extra amount to the Shipping Company through Western Union right away, so that they can come ahead for the pick up and also you should send your address where they have to come for the pick up and also the necessary Western Union Payment Information.” (All the key elements in this very traditional scam becomes visible at this point. This is where you should realize what’s the name of the game, if you haven’t figured it out already. A faked mail from “PayPal” appears in my spam folder.)
– Hold your horses. We need to do the paperwork first. See my previous mail.
– “I want you to know that I have made an arrangement for you to receive the copy of my ID and my other necessary data for the boat. I want you to know that the courier representative coming over for the pick up has all he said documents in an enclosed confidential envelope with him which he will deliver to you in person.”
– Well, we really need to close the deal and have a legally binding agreement before we can arrange for transportation.
– “I understand your concern and certify that all sales is final. Your show of concern has given me a very good fact that you are indeed an honest seller hence, the reason why I am using this medium to confirm to you that all sales is final and I am satisfied with the present condition of the Boat.. so you can now proceed with the western union and get back to the paypal with the western union scan receipt so they can release all the fund into your account immediately..More so, send me a copy of the western union receipt… i look forward to read from you…” (Contract and passport files attached. Oh gosh what a poorly faked British passport!!!)
– Thanks, but you forgot to sign the contract.
– “Oh sorry, I write my name as the signature.. i hope to receive a copy of western union receipt from you today…” (That “signature” was typed, not handwritten.)
– Just want to let you know that I need the SIGNED contract before 3 PM. Otherwise I will not have time to go to the bank. And I’m traveling tomorrow so I will be unable to handle transactions. (To create urgency is a common scammer tactic. ;) )
– “Have signed on the contract.. i wait to read from you with the western union receipt..” (Printed, handwritten and scanned this time. It’s 4 AM in Mexico when this part of the conversation takes place.)
– WTF!!! The bank refused the transaction. The recipient is on some kind of international blacklist, apparently suspected for criminal activities. (Well, I wasn’t completely honest here.)
– “How about you go there and split up the money in to 2 and send on two transaction.”
– I’m certainly NOT going to send any money to a blacklisted company!
– “here is another shipping company info [another private person in US] I wait your story again” (We enter the threatening phase. A while later a mail appears in my spam folder. “PayPal” will take “LEGALACTION” and hand me over to FBI if I don’t pay in 24 h.)
– What are those clowns at PayPal up to now? They talk about some legal action against me even if I haven’t entered into any legally binding agreement to transfer money. Do you have any clue, or maybe I should contact PayPal directly and ask what they think they are doing? (Let’s see how/if they react. Contacting PayPal would reveal the scam instantly.)
Next I got a long mail pointing out how honest this lady is and how keen she is to do business with nice and honest sellers like me. But she can’t unfortunately do anything about the PayPal actions as the purpose of all that is to protect both the seller and buyer. She points out that even a smaller sum would be enough to release the payment into my PayPal account (ok, we are in the bargaining phase). At this point I decided that this blog post is becoming far too long and chose to not respond at all. She didn’t get back to me either. They probably realized that they are not going to get 3650 € from me and gave up.
As you have noticed, I became wary at a pretty early stage. There were several details in this conversation that made me suspicious. 37 to be more precise:
Sounds hilarious, doesn’t it! The scam is so obvious when presented in this way. And forcing the scammer out of the ready-made script makes the act crack up even more. But the sad fact is that people are lured by these guys daily. A lot of this seems to be done in volume so they must be dealing with a significant number of victims every day. Their way to do business very quickly and easily may seem feasible for smaller bulk items, and may not ring the alarm bells in the same way as when dealing with bigger items. Big or small item, it’s always a good idea to take a critical look at the whole case and look for discrepancies like this. Many of the points listed above are on their own enough to spot the scam. Also make sure that they can’t orchestrate the show on their own. Think about what you need to be able to trust the other part, and be persistent about getting what you want. Reluctance to comply is a pretty strong sign that something is fishy.
The core point for anyone who runs into cases like this is however to understand how the scam works. That’s the key to recognizing it in practice. You are promised money but something must be paid before the transaction can be completed. Sounds familiar? Yes, this is basically the same scenario as in the Nigerian scams. The core of the scam is that the money you are to receive is just a promise, but the money you transfer to someone else is real. The PayPal-based scams may be somewhat more effective as many people trust PayPal. It’s not an official bank, but many people think of it as a bank. You may believe that this trusted party is holding the money and securing the transaction. In reality, all you have got is a faked mail. There is no PayPal transaction and the promised money is just numbers written in the mail.
If you fall for the scam and pay, the scammers will vanish like smoke in thin air. PayPal can’t help you as this has nothing with them to do. The scammers have just misused PayPal’s name. And the payment method used to collect your money is always irreversible and provides no security for the sender.
So to summarize. If you ever consider engaging in a transaction with strangers and where money is relayed through you, you should:
What really strikes me is how poorly this false buyer’s role is created. Some simple Google searches is all it takes to reveal the scam. And many discrepancies would have been so easy to fix. Are these guys really “America’s dumbest criminals”?
Maybe, maybe not. The point is probably that you need to be suspicious before you turn to Google. And once there you will find descriptions of this type of scam no matter how well the scammers have tried to eliminate discrepancies in their story. So once you get suspicious, it’s game over for the scammers anyway. The most profitable tactic for them is maybe to run the scam en masse without caring about the details, and just harvest those who won’t get suspicious until it’s too late. Or maybe they’re just stupid and can’t do any better? (Believing that anyone would fall for that fake passport would indicate the latter.)
Well, the boat is still for sale. Anyone interested?
Mikko Hypponen is one of the world’s most prominent cyber security experts. Described as a “virus hunter” in a Vanity Fair profile called “The Code Warrior”, Hypponen has spent nearly 25 years with F-Secure protecting people from computer viruses, worms, trojans, and other types of malware. In 2011, Hypponen travelled to Pakistan to meet the men behind the first known PC virus – Brain.A. [youtube https://www.youtube.com/watch?v=lnedOWfPKT0&w=560&h=315] The Brain virus was released in January of 1986, making January 2016 the 30th anniversary of this milestone in malware history. I thought it would be interesting to reach out to Mikko and ask him about other families of malware that standout as being noteworthy. So here’s Mikko’s list of some of the most infamous malware families (including viruses, worms, trojans, etc) that’ve pestered, frustrated, and even extorted computer users over the past few decades. 1990 Form – Form was a common computer virus identified in 1990, and for several years, was arguably the most prominent computer virus in the world. Spread through 3.5” floppy disks, it infected millions of computers throughout the world, and is possibly one of the most widespread viruses in history. 1992 Michelangelo – Michelangelo earns a place on the list for being the first truly global virus scare. It was named after the famous artist because the virus remained dormant until March 6 (the artist’s birthday), when it would awaken and overwrite sections of infected hard disks, thereby making the information inaccessible and the computer unusable. The virus was never particularly prominent compared to some of its contemporaries, but its destructive nature and subtlety helped spread Michelangelo Madness throughout the globe. 1995 Concept – Concept was the very first macro virus – a type of virus that infects applications such as Microsoft Word. It was a very prominent security concern in the mid-nineties, and even though it was successful in propagating itself organically during this time, it hasn’t been seen in over a decade. As the first macro virus, it was notable in that it spread by hiding itself as a Word doc and then infecting computers as those documents were shared. By using Word, it could use both Windows PCs and Macs to spread infections, as the software could run on both platforms. 1999 Melissa – Melissa, supposedly named after an exotic dancer, was a computer virus that sent infected Word documents to contacts in victims’ Outlook address book. While the virus was not designed to be particularly destructive, its rapid proliferation through the Internet wreaked considerable havoc on corporate servers and infrastructure. Some accounts claim that it infected twenty percent of computers globally, and the man eventually convicted of releasing the virus into the wild admitted to causing eighty million dollars in financial losses. 2000 Loveletter – Loveletter, also widely known as ILOVEYOU, was a prominent email worm that was able to spread itself throughout the globe in a matter of hours by promising victims a little bit of love. Disguising itself as a chain, love-themed email to recipients helped it quickly spread from its Filipino origin through Asia, Europe and North America. To this date, it is one of the largest malware outbreaks of all time, and responsible for an estimated 5.5 billion dollars of damage. 2001 Code Red – Code Red was the first fully-automated network worm for Windows. As in users would not have to interact with a machine in order to spread the infection. Code Red’s most infamous day was July 19th, 2001, when it successfully infected 300,000 servers. The worm was programmed to spread itself on certain days, and then execute distributed denial-of-service (DDoS) attacks on others, and was used against several different targets (including The White House). 2003 Slammer, Lovsan, and Sobig – Ok, so there’s three here and not just one. But they all occurred very close together, and unfortunately, all three were worms responsible for massive, global malware outbreaks. Slammer targeted servers so it’s presence wasn’t readily apparent to end users (save some lagging when they were attempting to access an infected server). Lovesan, however was able to infect end users running Windows ME or Windows XP, and use the infected machines in DDoS attacks. Sobig spread itself through email and network drives, and contained a trojan in order to cause more headaches for infected users. However, it appears that the trojan feature did not function as expected. These three worms infected millions of machines, and made headlines all over the world. 2004 Sasser – A computer worm that can be considered as the last large “hobbyist” outbreak. This is significant as it signaled the end of an era when most malware was written by people who were simply curious to see what the malware could do. Nowadays, malware has a more specific, insidious purpose, such as stealing information or making money. 2006 Warezov – A two-year email worm campaign perpetuated by professional criminals, Warezov gained notoriety for downloading new versions of itself from remote servers – sometimes as frequently as every 30 minutes, according to a 2006 interview with Mikko. 2007 Storm Worm (also called Small.dam) – Storm Worm was a trojan that was spread as an attachment to spam emails. But more importantly, it was a combination of complex and advanced virus techniques that criminals were able to use to make money by using infected machines as part of a botnet. 2013 Cryptolocker – A notorious ransomware family, Cryptolocker was spread through malicious email attachments, as well as the infamous Gameover Zeus botnet. Infected victims would find their hard drives suddenly encrypted, essentially locking them out of their devices and data until they paid a ransom to the perpetrators. While the FBI, in cooperation with other law enforcement agencies and security companies (including F-Secure), were able to disrupt the operation, the perpetrators were able to use Cryptolocker to extort about 3 million dollars from victims before being stopped. Other notable mentions include the 2005 Sony rootkit (for being distributed on Sony BMG CD-ROMs on their behalf), the still prominent Downadup worm from 2008 (for infecting millions, including armed forces of several countries and police departments), and the well-known Stuxnet virus from 2010 (for both its sophistication and its apparent state-sponsorship). If you want to know more about the history of computer viruses, you can check out Computer Invaders: The 25 Most Infamous PC Viruses of All Time!
This TED talk is so hilarious that I just have to share it with you. Watch it! British comedian James Veitch is engaging in the noble art of scam baiting, or scamming the scammers. The same as this site is dedicated to, or when I almost sold my boat to Mexico. I guess most or all of you already know how to spot an advance payment scam, aka. Nigerian scam. But James has some more to offer here. He’s making two important points, in addition to the excellent entertainment value. People often warns about engaging in any kind of conversation with these scammers. They are after all criminals and it’s safest to steer clear of them. I disagree, just like James. The people behind this kind of scams is not exactly the violent drug mafia. As a matter of fact, anyone who can use e-mail and Google Translate can set up a scam like this. And they are located in some poor remote country, typically in Africa. So it’s extremely unlikely that any of them would start hunting down people who play with them. That would disrupt their everyday business and cut profits, cost money and introduce the risk to get caught. But I do discourage people from engaging in scam baiting under their real identity. Set up a new mail account under a false name and never reveal any real contact info to them. You can reply from a different address than where you got the original spam. They are pumping out millions of spam messages and will not even notice the changed address. This adds an additional layer of security. And more important, it keeps your real inbox free of spam. Use their own tactic. Create a false identity with name, address, profession and country of residence. Stick to that story and make sure not a single bit of it is true. Read more about how to scam bait at 419eater.com. The other point is that scam baiting is a good deed. It keeps the scammers busy and ties up their resources. Resources that otherwise would have been used to scam a real victim and cause real damage. A single scam baiter can’t of course save the world, but they would probably shut down if all of us spent an hour a week scam baiting. And it can be fun so why not? A good scam baiter can be a real pain in the a** for the scammers. Be prepared to get some threats and evil language when they realize what is going on. Consider that as a trophy, a proof that you did it right. Don’t feel bad for them. They did after all contact you with the sole purpose to scam you for money. Safe scam baiting, Micke Image: Screenshot from ted.com
This is part of a series of posts about what security experts think will happen in 2016. F-Secure Security Advisor Sean Sullivan spends a lot of his time thinking about how people expose themselves to online risks. Whenever you download an app, click on a link, or open an email, there’s potential security problems that most people never even think about. But not Sean. It’s part of his job to understand how these things actually work, and what people should be doing to keep their devices and data safe from online threats. Here’s a quick look at what security issues Sean thinks people and companies will have to contend with in the upcoming year. “2016 will be remembered as the year of extortion.” Sean’s already predicted that the future of online threats will revolve around extortion. That is, criminals will be investing in scams that see people and businesses paying a “fee” to avoid being victimized by online threats. Ransomware is a well-known example of this trend. It’s malware that locks (either through encryption or other means) people’s devices unless a “ransom” is paid to the perpetrators. “Criminals will continue to figure out ways to extort people and businesses,” said Sean. “The returns we’ve seen extortionists getting on ransomware demonstrates just how profitable the malware sector can be for criminals. Increasing use of social networking tools like Linkedin are also giving online criminals a way to collect data and research potential blackmail targets, and given developments like these, I’m expecting criminal enterprises involving extortion to evolve throughout 2016.” Sean has pointed out in the past that crypto-ransomware, and many other types of online threats, are actually very sophisticated criminal enterprises. They often have a level of service that rivals what legitimate companies offer their customers, making them very profitable for criminals. In fact, the FBI advises ransomware victims to simply pay to have their computers unlocked (but F-Secure Labs has created some useful guidelines that people can follow to remove some police-themed ransomware variants). “We’ll still be talking about ad blocking at this time next year.” Ad blocking became an explosive topic after Apple built content blocking capabilities into iOS 9 earlier in the year. While it seems like a good idea for consumers, ad blocking caused waves after a report pointed out that publishers stand to lose billions due to ad blocking technologies. Publishers that use native advertising, or apps (like Apple News) to push content to their audience, will be largely unaffected. But publications relying on web browsers have become vocal critics of the practice, even though security experts (and even tech journalists) suggest that ad blocking may be in the best interests of consumers. “Ad blocking is going to continue to be an issue because there’s been no real progress on solving the problems that ad blocking is supposed to address,” says Sean. “The problematic connection between online advertising and tracking is still there, so there’s going to be demand for ad blockers until this changes. Plus, malvertising is still a huge security concern that ad blocking can help with, so using these apps is a good way for consumers to minimize online risks and have a better online experience, especially on mobile devices.” “Use of end-to-end encryption will increase in 2016.” Governments have been toying with the idea of asking tech companies to work around encryption to support national security interests. However, many companies and security experts are opposed to this, as encryption allows information to stay safe from criminals and other agents looking to collect information to use for less than altruistic purposes (for example, extortion, discrimination, targeted advertising). End-to-end encryption is one approach to securing digital communications that allows information to be encrypted by the sender and then decrypted by the receiver, which prevents anyone in between those two points (such as the company providing the service or app) from accessing the personal data contained in the messages. Whatsapp and Apple’s Facetime are popular examples of messaging apps that use end-to-end encryption. According to Sean, use of these kinds of apps will increase in 2016, despite pressure for companies to offer weaker encryption to end users. “The security benefits of end-to-end encryption are indisputable, and all the arguments to the contrary are really weak. But the real driver for this will be business, because it’s the best way for companies to provide secure services to users. It’s cheaper and more secure, so it’s a better option for both app developers and users.”