[Stu from NYC]

Originally Posted by Transplant

Not everything is a scam on Facebook. I'm helping a very nice Prince out.

Is that prince moogoogaipan? He does seem to be a very nice fellow and wants to help me to do all kinds of things.

[wamley]

Ask him to send money to his son and when he has it the son can pickup the article and pay you with the cash. I know nothing will happen, but fun to do to these scammers.

[OhioBuckeye]

To sell online you’re asking for lots of rip-off’s to sell. To sell online you don’t know what kind of people you’re running into. So no way I would sell that way!

[Ksfirefighter]

Originally Posted by Bill14564

So how does this scam work? Do they expect you to send the $300 back to them before you confirm that you received it?

Their transaction is fake but your “refund” is real.

[Bill14564]

Originally Posted by Ksfirefighter

Their transaction is fake but your “refund” is real.

Can it be fake if I see it in my bank account? Sure, I wouldn't trust an email saying it went through or even a picture showing it went through but if my bank says the money is in my account then I don't see how there could be a problem.

But maybe I'm wrong. Is there a way to take money back out of my account once Zelle has deposited it there?

[Bill14564]

Originally Posted by OhioBuckeye

To sell online you’re asking for lots of rip-off’s to sell. To sell online you don’t know what kind of people you’re running into. So no way I would sell that way!

So how would you sell some tools? I don't own a store and don't plan to open one. I won't have a yard sale. How do I let customers know I have some tools to sell?

[retiredguy123]

Originally Posted by Bill14564

Can it be fake if I see it in my bank account? Sure, I wouldn't trust an email saying it went through or even a picture showing it went through but if my bank says the money is in my account then I don't see how there could be a problem.

But maybe I'm wrong. Is there a way to take money back out of my account once Zelle has deposited it there?

I don't know about Zelle, but some scammers send counterfeit certified checks, and the money will show up in your bank account. But, when the bank discovers that the check is a counterfeit, they will debit your account. This can take 2 weeks or more.

[margaretmattson]

Originally Posted by retiredguy123

I don't know about Zelle, but some scammers send counterfeit certified checks, and the money will show up in your bank account. But, when the bank discovers that the check is a counterfeit, they will debit your account. This can take 2 weeks or more.

The scam is to gain access to your bank account. Some people easily give their bank account number when they believe someone is going to deposit money into their account. Instead of depositing, the scammers withdraw money from your account.

Have you ever seen that we have a UPS package for you but we are unable to deliver?
Or you won a brand new TV etc? When you respond, they will tell you there is a low-cost handling fee like $1.99. The scam: you have to give your credit card number. Once they have your numbers they use it to purchase items or to get cash. (Depending on what type of card you gave the information)

[retiredguy123]

Originally Posted by margaretmattson

The scam is to gain access to your bank account. Some people easily give their bank account number when they believe someone is going to deposit money into their account. Instead of depositing, the scammers withdraw money from your account.

Have you ever seen that we have a UPS package for you but we are unable to deliver?
Or you won a brand new TV etc? When you respond, they will tell you there is a low-cost handling fee like $1.99. The scam: you have to give your credit card number. Once they have your numbers they use it to purchase items or to get cash. (Depending on what type of card you gave the information)

Your bank account number is on every check that you write. How can someone withdraw money from my account by just having the bank account number?

[Lea N]

Originally Posted by retiredguy123

Or worse, they will be walking and kick your car as you are backing out and claim that you hit them.

I hadn't thought of that but I'm sure it happens.

[Stu from NYC]

Originally Posted by margaretmattson

The scam is to gain access to your bank account. Some people easily give their bank account number when they believe someone is going to deposit money into their account. Instead of depositing, the scammers withdraw money from your account.

Have you ever seen that we have a UPS package for you but we are unable to deliver?
Or you won a brand new TV etc? When you respond, they will tell you there is a low-cost handling fee like $1.99. The scam: you have to give your credit card number. Once they have your numbers they use it to purchase items or to get cash. (Depending on what type of card you gave the information)

I get at least 5 of these every day

[margaretmattson]

Originally Posted by retiredguy123

Your bank account number is on every check that you write. How can someone withdraw money from my account by just having the bank account number?

The scammer does not have a check from you or your information. This is why he verbally needs your information.The scammer is most likely across the world.

The scammer is sitting in front of an equipped computer. Once he has your digits, he is able to withdraw the money.

[retiredguy123]

Originally Posted by margaretmattson

The scammer does not have a check from you or your information. This is why he verbally needs your information.The scammer is most likely across the world.

The scammer is sitting in front of an equipped computer. Once he has your digits, he is able to withdraw the money.

Please explain how someone can withdraw money from a checking account if they have the bank account number, the routing number, and even the name and address of the account holder. How is this done?

[Topspinmo]

Originally Posted by Keefelane66

I listen to my grandkids advising me I would be lame to stay on Facebook basically all social media.
But I’m here finding out CostCo is coming soon.

Lame like too old?

[margaretmattson]

Originally Posted by retiredguy123

Please explain how someone can withdraw money from a checking account if they have the bank account number, the routing number, and even the name and address of the account holder. How is this done?

I am not a computer wizard I was in sales and I bought items from overseas on a regular basis. Once, I lost $800 to a scam. I gave my bank account number believing I was speaking to customs. I would have lost quite a sum of money if customs confisicated my package. That is where my mind set was. Worrying about losing my items instead of verifying the call I received was actually customs. I did not get my $800 back because I okayed the transaction.

I am not ashamed to admit my mistake. I hope others learn from it. Luckily for me, the sum I lost was a kick in the bucket. The bank employee advised me to never give out my account number to a stranger. She explained it is most likely a scam.