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Better Business Bureau ®
Start With Trust®
Eastern Washington, North Idaho and Montana
BBB Twice a Month Tips You Can Trust for the Week November 1, 2010
November 15, 2010

 BBB TWICE A MONTH TIPS YOU CAN TRUST

Compiled by Zan Deery, Communications/Investigations

For the Week of 11/1/10

zan@spokane.bbb.org 800-356-1007 or 509-455-4200     www.bbb.org

Readers of these tips should take into consideration the importance of the practice in question and the total performance of a company.

For complete information and BBB reports, please visit www.bbb.org

TIP NUMBER ONE

SEASONAL WARNING FROM BBB: Beware of Scholarship Scams

This is the time of year when students and families team up to search for trustworthy sources of funding for their continued or beginning (in 2011) education. It’s also the time when scam artists respond to peoples’ searches by targeting families of high school seniors with scholarship awards, low-cost loans and other tuition incentives that offer more hype than hope.

There are varieties of scholarship scams. Here is what to look out for:

1. Scholarship search organizations often fail to make good on promises. In exchange for upfront fees, students may receive lists of possible scholarship sources but, in most cases, the organization does not assist students in obtaining the listed scholarships. In other instances, individuals never hear from the organization after paying the fee and supplying all requested information. Typically, scholarship search services send mailings to schedule “interviews,” usually targeting parents of high school students. These “interviews,” usually at a local hotel, are little more than sales pitches for scholarship information services costing $900 or more. Almost always, any information provided by these services is available free from other sources.

2. Advance fee scholarship applications require an upfront fee to apply for a scholarship but, in some cases, the organization refuses to provide documentation that any scholarships are awarded. If you check the company, you’ll often learn that it has a bad record with the BBB. The companies will often collect application fees, but award no scholarship.

BBB ADVICE
Obtaining free scholarship information can begin with high school counseling offices, college financial aid offices, and research at public libraries, bookstores, or on the Internet.

Consider all available options, including federal, state, and local aid programs, financial institutions’ loan plans; and a wide variety of scholarships, fellowships, or other programs offered by colleges. Many reputable and well-known private organizations and businesses also offer scholarships to students.

Individuals interested in using a scholarship service are urged to investigate the background of a company at www.bbb.org
Ask the company to put details of its services and promises in writing, including the refund policy.

Be suspicious of “guaranteed offers.” Any guarantee that “you will win a scholarship” or “your money back if not satisfied” is as good as the organization behind the guarantee. So even with a guarantee, it’s important to know that you are dealing with a reputable and reliable organization.

The Kansas City Star, Reporter Steve Rosen, gives some further insights and tips into the “Call In to Learn How You Can Obtain Scholarships” angle here:

Read more: http://www.bnd.com/2010/11/01/1458894/scholarship-pitches-dont-always.html#ixzz143P4Jrnp

TIMESHARE SCAMMERS A FOCUS WITH REGULATORS AS SCAMS CONTINUE TO RAMP UP

Last Week Tweet
Timeshare Mega Media aka Marketing Group, Inc. Shut Down by Feds for Millions $$ Timeshare Scam http://tinyurl.com/26zp4pl

BBB RECENT PARTNERSHIP ALERT ON IEC (International Events Coordinators) of OK and RESORT ESCROW SERVICES of WA
http://spokane.bbb.org/article/bbb-partner-alert-with-tulsa-bbb-international-event-coordinators-of-tulsa-ok-and-resort-escrow-exchange-of-liberty-lake-wa-working-in-tandem-on-timeshare-rental-scheme-21754

TIP NUMBER TWO

ALWAYS A HOT TOPIC: WHAT TO DO WHEN A COLLECTOR CALLS AND YOU DON’T OWE ANY DEBT!

IN A NUTSHELL:

*Request written proof of the debt. By law, a debt collection agency must provide you with a validation notice within five days of contacting you about the debt. If you would like to get verification of the debt, send a written request to the debt collector within 30 days after you receive the validation notice. This written proof can help you determine if the callers are actually identity thieves, or if you really do owe the debt.

*Correct any errors. After confirming you do not owe the debt, you may want to correct any incorrect submissions related to the debt captured on your credit report. Contact the company that has provided the information to the reporting bureau by writing a detailed letter and include copies of pertinent documents that back your case. The FTC provides additional information on how to report errors at www.ftc.gov.

*Weed out fraud and errors. Check your credit report with the three major credit reporting bureaus — Experian, Equifax and TransUnion — every year by visiting www.annualcreditreport.com. If you’ve been the victim of fraud or identity theft, you also may be eligible to view your reports for free.

*Tell them to stop contacting you. According to federal law, a debt collector cannot continue to contact you — at work or home — if you tell them to stop. After confirming you do not owe the debt in question, you may cease all contact from the debt collection company by sending a letter (via certified mail) to the debt collector advising them to cease contact. Keep a copy of the letter and the return receipt for verification purposes. Any further contact to you from the debt collector except to advise you there will be no further contact, or to inform you that the agency is filing legal action, is a violation of the Fair Debt Collection Practices Act.

*File a complaint with the Federal Trade Commission. Familiarize yourself with the consumer protections provided under the Fair Debt Collection Practices Act. Included are rules that debt collectors may not make false or deceptive claims and must investigate the validity of a dispute over a debt. If a debt collector violates the law, report them to the FTC — the federal government’s agency overseeing fair debt collection practices. You should also file a complaint with your Better Business Bureau at www.bbb.org.

BBB SEASONAL BUSINESS TIP:
HOW TO HANDLE 2010-2011 FLU SEASON IN THE WORKPLACE Courtesy of the CDC

Seasonal Flu Information for Businesses and Employees

Toolkit and other materials for businesses, employers, and their employees to learn ways to prevent the flu. http://www.cdc.gov/flu/business/

TIP NUMBER THREE

Debit and Credit Card Skimming is on the Rise

RECENT REGIONAL STORY ON INCIDENT OF SKIMMING:
Tri Cities, KEPR TV
http://www.keprtv.com/news/local/105789868.html

Card skimming is a crime that involves the, ‘skimming’ or stealing of information implanted in your card’s magnetic strip. This is accomplished when a criminal attaches a device at the mouth of a card-acceptance slot that records the data on your card as you slide it in. The criminal returns to the ATM or gas pump at a later time to collect the device containing all of the stolen account information.

According to a recent article in Shop Smart Magazine, this scam is becoming even more sophisticated. The article quotes Brian Krebs, a computer security expert who says that criminals no longer have to return in person to collect the device and that the information can be sent to them wirelessly via text message.

Paying for gas using a card and using ATMs are such common transactions. With this crime increasing and becoming more refined, consumers need to be very cautious when making these transactions and extremely vigilant of their accounts.

The BBB offers the following tips when using ATMs or paying for gas by card:

*Use your credit card at the gas pump instead of your debit card. This way, if you become victimized you haven’t lost the money directly. You can contact your credit card company and they will get the fraudulent charges removed. If money is stolen directly from your bank account, this could have much worse consequences for you and getting the money replaced could take quite some time.

*Avoid using ATMs that are not located at a bank. These ATMs are often less secure so thieves have more opportunity to tamper with them.

*Look closely at the machine you are putting your card into. If it appears compromised in any way, (i.e. plastic sticking out, anything out of the ordinary attached) do not use it.

*If your card gets stuck in machine, do not leave the area. Call your bank right away and report the issue.

*Monitor your accounts daily for any fraudulent activity. The sooner you detect fraud, the better off you will be at resolving it quickly and keeping it from continuing.

TIP NUMBER FOUR

TOP “SO YOU THINK I’M A FOOL” JOB SCAM OFFER OF THE WEEK: DRIVE A BBB WRAPPED CAR, MAKE $200 A WEEK, EASY!
NOT, SAYS BBB

Drivers: Steer Clear   Thx, WWA/OR/AK BBB for Warning

A forged e-mail is circulating; promising to pay citizens to drive across town marketing a Better Business Bureau decal on their vehicles. However, the e-mail did not come from BBB and the opportunity is invalid.

The subject line says "Now Hiring!!!" It appears to come from 'Better.Business.Bureau@gala.net,' an email not affiliated with BBB. It begins with:

"MAKE MONEY BY SIMPLY DRIVING YOUR CAR.
ADVERTISER WANTED FOR Better Business Bureau.
EARN NO LESS THAN $200 WEEKLY TO ADVERTISE ON YOUR CAR."

The e-mail states that BBB will pay participants $200 dollars a week to rent advertising space on their vehicles, adding that drivers can expect a $400 money order upfront. All drivers have to do is cover their vehicles' exteriors in BBB "vinyl decals" or "auto wraps." To get started, recipients are instructed to respond with personal information—including names, addresses, phone numbers, ages, occupations, makes and years of vehicles.

Warning: BBB does not send unsolicited e-mails requesting private information. Steer clear.

Scammers pretend to be affiliated with trustworthy agencies and organizations to gain false credibility… In a time when so many people are looking for jobs and legitimate ways to make money, this con seems especially cruel.

If the e-mail is unsolicited: Do not click on links or open attachments. To verify the legitimacy of BBB e-mails, contact your BBB directly at 509-455-4200 or 800-356-1007 or info@spokane.bbb.org 

"Paid to drive" offers: Although they sound enticing and some legitimate companies employ these techniques to advertise their brand, be wary of offers that state payment will be via money order and request bank account information or other personal details upfront.

ORIGINAL SPAM EMAIL

From: Better Business Bureau <better.business.bureau@gala.net>
Subject: Now Hiring!!!
To: xxxxx
Date: Wednesday, October 20, 2010, 8:02 AM
MAKE MONEY BY SIMPLY DRIVING YOUR CAR
ADVERTISER WANTED FOR Better Business Bureau
EARN NO LESS THAN $200 WEEKLY TO ADVERTISE ON YOUR CAR.
It is Very Easy and Simple
No Application fees required

How it works

Here's the basic premise of the "paid to drive" concept: Better Business Bureau seeks people -- regular citizens, not professional drivers -- to go about their normal routine as they usually do, only with a big advert for "Better Business Bureau" plastered on your car. The ads are typically vinyl decals, also known as "auto wraps," that almost seem to be painted on the vehicle, and which will cover any portion of your car's exterior surface.

What does the company get out of this type of ad strategy ? Lots of exposure and awareness. The auto wraps tend to be colorful and eye-catching and attract lots of attention. Plus, it's a form of advertising with a captive audience, meaning people who are stuck in traffic can't avoid seeing the wrapped car alongside them. This program will last for 3 months and the minimum period you can participate is 1 month

You will be compensated with a $200 (Two hundred dollars per Week), which is essentially a "rental" payment for letting our company use the space. Better Business Bureau shall provide experts that would handle the advert placing on your car. You will receive an up front payment of $400 (Four hundred dollars) in form of Money Order for accepting to carry this advert on your car and other weekly payments will also come in the form of Money Order and delivered at your address weekly.

What you need to do is to contact the email below better.business.bureau@gala.net

The following information below will be needed

Full Name:
Address:
city:
State:
Zip code:
Phone Number(s) mobile/home
Email Address:
Age:
Occupation:
Make of car/ year:

We shall be contacting you as soon as we receive these information Better Business Bureau looks forward to working with you

Charles wood

ATTN: MILITARY PERSONNEL
BREAKING NEWS—Phishing Scam Targets United States Military Members

PC World Business Center

http://www.pcworld.com/businesscenter/article/209531/phishing_scam_targets_united_states_military_members.html

U.S. ATTORNEY GATHERING INVESTMENT SCAM COMPLAINTS:
NEEDS YOUR HELP

Did these online investment scams get you? Call (618) 628-3700

The U.S. Attorney wants to talk to you if you put money into one of the following online investment programs: Oxford Savings Club, AceInvest, MiAmigo Services, AceXchange, We Let Your Money Grow, Dollar Dazzler, Petheldia, X-Wire or Happy Society. You may have been scammed by a couple from the Netherlands who were just indicted.

The couple from the Netherlands was indicted last week for conspiracy to commit wire fraud and wire fraud, and criminal forfeiture of $3.2 million is being sought, according to a statement Monday by Stephen R. Wigginton, U.S. Attorney for the Southern District of Illinois. Charged were Pieter Roor, 58, who is also known as Pedro Dispenza, and Heintina Roor-Potman, 48, also known as Heleen.

The fraud occurred between 1998 and September in Southern Illinois and elsewhere, according to Wigginton. The pair face up to 20 years in federal prison.  If you think you may have been defrauded by one of these online investment scams, contact the U.S. Attorney's office at (618) 628-3700.

LATEST ADVANCE FEE LOAN SCAM:
Greenbay Financial Services of MN

Thanks for Warning, MN BBB  

A company claiming to be operating out of downtown Minneapolis is raising red flags with the Better Business Bureau if Minnesota and North Dakota (BBB). Consumers have informed the BBB they’ve been contacted by Green Bay Financial Services after they had been turned down for loans with other firms. Callers state the company’s representatives have told them they qualify for loans with their organization, but they will first need to provide a payment on the loan in advance. This is a classic advance fee loan pitch, and consumers are advised to be very wary if contacted by this firm or any other making similar offers.

Advance fee loan scams have been around for a long time and seem to surge when money and credit are tight. These offers are not legitimate and are targeted at customers and companies who are struggling with debt and poor credit, often making bad situations worse. One consumer who contacted the BBB says a company representative informed them the company ‘was in stage two of the Accreditation process with the BBB,’ which is untrue.

Customers should be aware that companies making offers of this nature are usually found online, in the classified sections of newspapers and magazines, or else contact potential victims directly via phone or email. Often with very little or no background check at all, customers are told they qualify for loans. After filling out all necessary paperwork, they are then asked to pay an upfront fee of anywhere from $300 to $3,000. The fee is either paid by wire transfer, often to locations in Canada, or debited directly out of the consumer’s checking account. It is the experience of the Better Business Bureau that customers who pay these upfront fees never receive their loans. Generally, once the requested fees are paid the companies making the offers cease contact or change their phone number.

To avoid advance fee loan scams, the BBB provides the following tips:

• If you’re asked to pay a fee upfront or wire funds to receive your loan, the offer is not legitimate. According to the Federal Trade Commission, it’s illegal for companies doing business by phone in the U.S. to promise you a loan and ask you to pay for it before they deliver. Requiring advance fees for loans is also illegal in Canada.

• Be sure to check the company’s reliability report with the Better Business Bureau at www.bbb.org.

• Beware of lenders not interested in your credit history and/or advertisements that downplay bad credit.
Remember, the internet is full of bogus offers. If it sounds too good to be true, it probably is!

MAYBE IT’S BECAUSE THEY KNOW A LOT ABOUT “GROWTH”:
SOME FARMERS AND RANCHERS WAY AHEAD OF MANY BRICK AND MORTAR BUSINESSES!

Courtesy of Daily Dog: Bulldog News | From Farm to Fork to Facebook
Survey Reveals, American Farm Bureau: 75 Percent of Farmers & Ranchers Use Social Media http://tinyurl.com/24jckko

Timeshare Scheme VACATIONS AND RESORTS of GA Has F Rating with BBB

BBB Atlanta is receiving complaints from consumers all over the map indicating the referenced company has contacted them with promises that they have buyers interested in purchasing their timeshare property. 

RED FLAG: Consumers are required to pay an upfront fee.

Complaints allege the promises are not kept once the money has been paid.  Some consumer report they have experience problems contacting the company as well.  The address provided for the company appears to be a mail drop location. 

The Governor’s Office of Consumer Affairs for the State of Georgia is currently looking into their activities.  If you have an unresolved issue concerning this company, file with them!

BBB BUSINESS REVIEW:
http://www.bbb.org/atlanta/business-reviews/timeshare-resale-and-rental-marketing/vacations-and-resorts-in-atlanta-ga-27306254?&nostat&gid=ComplaintList.cm.cr.xls&gen=ComplaintList.cm.cr.xls&lid=1

www.isaidcash.com Cold Calling People, Leaving Too Good to be True Pitches to MT

Domain registration is privately registered---BEWARE

LATEST WORK FROM HOME SCAM

BBB Warns Against Cyber Work at Home Scheme: Child’s Compass Claims to be from Springfield, IL—NOT!

It is not unusual for BBB to receive several emails daily. It is also not unusual for some of them to be inquiring about a work at home opportunity found on one of the common job seeking websites. But the BBB found it unusual when the inbox filled with emails regarding one work at home offer claiming to be a non-for-profit in Springfield, IL.
Child’s Compass lit up the BBB’s radar claiming to be a 501(c)3 that gave 100% of donations to their cause of offering clothing and support and trips to Czech resorts for abandoned and abused children. They advertised work at home employment on CareerBuilder and Craig’s List, claiming that only 4-5 hours per week would be all that was needed to earn $2700 per month.

After investigation, BBB was able to determine the following:

*the organization is collecting personal information via work at home offer
*the organization is offering $2700 per month salary for a work at home position with little description of work required
*calls to the Springfield IL telephone number go to voice mail with no return call.
*the organization is not listed with the Illinois Attorney General Charitable Bureau Division
*the organization is nor registered as a 501(c)3 with the Internal Revenue Service
*the organization claims to have aided 500 children recently, however no information on this organization can be found prior to October 5 2010
*the website domain is registered through a Russian domain registrar on October 5 2010
*it appears the website was created outside of the USA.

Child’s Compass has earned an F rating with BBB.

FULL REPORT HERE:
http://www.bbb.org/central-illinois/business-reviews/work-at-home-companies/childs-compass-in-springfield-il-90016328 

BBB advises always to investigate employment opportunities that sound too good to be true or that claim little or no hours with high earnings. For more information on Cyber Work at Home visit http://www.ic3.gov/media/2010/WorkAtHome.pdf For more information about this report or BBB, visit www.bbb.org

TIP NUMBER FIVE

BUSINESS WARNING: DECEPTIVE OFFICE SUPPLY PITCHES

Tips on How to Detect, Protect and What to Do if you are Victim

Every year, millions of dollars' worth of high-quality, fairly priced office supplies are sold over the telephone and Internet by honest, reputable suppliers. Unfortunately, for many businesses and organizations, millions of dollars are also conned out of businesses each year by office supply schemers, "paper pirates" and "toner-phoners."

Every year, millions of dollars' worth of high-quality, fairly priced office supplies are sold over the telephone and Internet by honest, reputable suppliers. Unfortunately, for many businesses and organizations, millions of dollars are also conned out of businesses each year by office supply schemers, "paper pirates" and "toner-phoners."

The large majority of these rip-offs go either undetected or unreported because the supplies are used or the victims are too embarrassed to acknowledge they’ve been “suckered."

FULL STORY WITH TIPS AND ADVICE HERE
http://www.bbb.org/us/article/unethical-but-legal-sales-pitches-421

Banking update: Free Checking at Banks ... Not for Long

From here on out, free checking accounts will no longer be the same.

According to TIME, Bank of America will no longer offer free checking accounts. After having to drop overdraft fees, the bank will reinstate checking fees for basic banking services such as banking with a teller or receiving a paper statement in the mail.

A good amount of Bank of America's revenue came from the overdraft fee, however many customers disliked being penalized for going $1 or $2 over their account balance so they decided to close their accounts. The increase of customers leaving BOA became a problem so they strategized a way to keep their customers and also make a profitable gain from their accounts.

These new fees will cover monthly maintenance for customers who don't meet minimum balance requirements and who don't otherwise do much business with the bank.

Many other banks may follow Bank of America's example and create checking fees for their own and others might find this the perfect opportunity to lure customers into banking with them, however it is important to keep in mind that no banking is free and that most banks will add fees anytime they can get away with it.

Read more at: http://money.blogs.time.com/2010/06/17/bank-fee-watch-no-more-free-checking/

REGIONAL ORDERS AND ACTIONS FROM REGULATORS

WA Attorney General’s Office files suit against Moxie Media, others for multiple campaign finance violations

Rob McKenna
ATTORNEY GENERAL OF WASHINGTON
1125 Washington Street SE • PO Box 40100 • Olympia WA 98504-0100
For Immediate Release:
Oct. 29, 2010

OLYMPIA – The Attorney General’s Office today filed a lawsuit in Thurston County Superior Court against Moxie Media and other defendants for multiple alleged violations of the state’s campaign financial disclosure law.

The suit stems from a complaint filed with the Public Disclosure Commission on Aug. 27, 2010, and a citizen action letter filed with the Attorney General’s Office on Sept. 3, 2010, both on behalf of Sen. Jean Berkey.

On Thursday, Oct. 28, at the PDC’s regular monthly meeting, commissioners heard staff reports on the investigation, which revealed multiple violations of the state’s campaign finance laws, including complex efforts to conceal the funding behind three last-minute independent expenditure advocacy activities in support of the Conservative Party candidate in the 38th District State Senate primary. The commission referred the case to the Attorney General’s Office.

The case is assigned to Thurston County Superior Court Judge Christine A. Pomeroy.  A status conference is set for 9:00 a.m. on Jan. 28, 2011. The defendants must respond and file answers to the complaint against them within 30 days.

The Attorney General’s Office is seeking civil penalties and costs of investigation and trial, including reasonable attorney’s fees, injunctive relief and any other relief the court deems appropriate.

MONTANA DEPARTMENT OF LABOR AND INDUSTRY POSTS MONTHLY LABOR FORCE INFO FOR MONTANA

All questions relating to the calculation of unemployment rates should be directed to the Montana Department of Labor and Industry's Research and Analysis Bureau at 1-800-541-3904

****** INFORMATION AVAILABLE ON THE INTERNET ******

Monthly labor force information for Montana counties are available at: http://www.ourfactsyourfuture.org/cgi/dataanalysis/?PAGEID=94&SUBID=205

Monthly

Montana industry employment information is available at: http://www.ourfactsyourfuture.org/cgi/dataanalysis/?PAGEID=94&SUBID=199

Annual labor force data for Indian Reservations in Montana are available at: www.ourfactsyourfuture.org/?PAGEID=67&SUBID=121

WA Office of the Insurance Commissioner receives $647,000 grant to help health insurance consumers

OLYMPIA, Wash. – The Office of the Insurance Commissioner has been awarded a $647,860 federal grant from the U.S. Department of Health and Human Services to enhance its consumer assistance program. The grant is made available through the Affordable Care Act.

“Consumer protection has always been our top priority,” said Insurance Commissioner Mike Kreidler. “Washington is ahead of many other states in the consumer services we already provide. This grant will help us expand our services. For example, we receive hundreds of complaints a year from consumers who want to know their rights when a health insurance claim is denied. Part of this grant will help us create more tools for consumers.”

The grant award will be managed by Kreidler’s Consumer Protection Division, including the Consumer Advocacy Program and the Statewide Health Insurance Benefits Advisors (SHIBA) and will run from Oct. 15, 2010 – Oct. 14, 2011.

The grant will be used to:
•         Create materials to help consumers wrongfully denied health claims file and win appeals and grievances. Materials will include helpful templates for filing appeals, and tips on best approaches to use in arguing for coverage.
•         Collect, track, and quantify complaints and inquiries from health insurance consumers.
•         Educate health insurance consumers on their rights and responsibilities under health care reform, using a statewide network of community partners and volunteers.
•         Enhance our communication systems to ensure consumer complaints are handled in an effective and timely manner.

Beware of Bogus Insurance: Consumers & Small Businesses Targeted by Scams http://www.sbtv.com/Post?id=3882

www.GOVBENEFITS.GOV HAS A NEW LOOK, is Now www.benefits.gov

Site Offers Access to Government Benefit and Assistance Programs

GovBenefits.gov is now Benefits.gov. Benefits.gov continues to provide you with up-to-date information and easy, online access to government benefit and assistance programs. This commitment to you is why we have redesigned our entire site – to continue to put your feedback to work and give you the best tools available to find the government programs that may be right for you and your family. 

Although we have a new name and look, we continue to partner with 17 Federal agencies to ensure that you receive the latest information on specific programs of interest. As a visitor to Benefits.gov, your needs and interests are important to us.  Please note that if you have already subscribed to pages from GovBenefits.gov, you will not need to subscribe again to those pages on Benefits.gov.

We invite you to explore our new site, www.benefits.gov and get to know some of the great features that we've added to make it easier and faster to find the programs that may be right for you or someone you know. Thank you for subscribing to Benefits.gov page updates.

MORE HERE: http://www.benefits.gov/news/news-articles/archive/news-article/745

FBI Fraud Advisory for Consumers:
Involvement in Criminal Activity through Work from Home Scams
 
Problem:
Consumers continue to lose money from work-from-home scams that assist cyber criminals move stolen funds.  Worse yet, due to their deliberate or unknowing participation in the scams, these individuals may face criminal charges.  Work-from-home scam victims are often recruited by organized cyber criminals through newspaper ads, online employment services, unsolicited emails or “spam,” and social networking sites advertising work-from-home opportunities.  Once recruited, however, rather than becoming an employee of a legitimate business, the consumer is actually a “mule” for cyber criminals who use the consumer’s or other victim's accounts to steal and launder money.  In addition, the consumer’s own identity or account may be compromised by the cyber criminals.
 
READ MORE HERE…FULL WARNING: http://www.ic3.gov/media/2010/WorkAtHome.pdf

FBI Fraud Advisory for Businesses: Corporate Account Take Over

How it Works, How it Can Harm, and How to Report and Handle the Crime
 
Problem:
Cyber criminals are targeting the financial accounts of owners and employees of small and medium sized businesses, resulting in significant business disruption and substantial monetary losses due to fraudulent transfers from these accounts.  Often these funds may not be recovered.

READ MORE HERE…FULL WARNING: http://www.ic3.gov/media/2010/CorporateAccountTakeOver.pdf