HOME

##

Avoiding Scams and Fraud Chiropractic Job Finder help forum
This Classified service is FREE! --- Your Active Participation is Appreciated.
Posted ads are subject to review by administration and duplicate ads and all suspicious or suspected fraudulent posts will be deleted.
No need to post duplicates.
Cut and Paste, and Earn at Home type ads are deleted, as are all suspected Affiliate ads.
Use this service responsibly. E-mail us with any potential fraud inquiries at info@ChiropracticJobFinder.com

#### Follow these common-sense rules to avoid fraud and scammers on this site and other sites:

- DEAL LOCALLY WITH PEOPLE YOU CAN MEET IN PERSON - follow this one simple rule and you will avoid 99% of the scam attempts.
- NEVER WIRE FUNDS VIA WESTERN UNION, MONEYGRAM or any other wire service - anyone who asks you to do so is a scammer.
- FAKE CASHIER CHECKS & MONEY ORDERS ARE COMMON, and BANKS WILL CASH THEM AND THEN HOLD YOU RESPONSIBLE when the fake is discovered weeks later.
- CHIROPRACTIC JOB FINDER IS NOT INVOLVED IN ANY TRANSACTION, and does not handle payments, guarantee transactions, provide escrow services, or offer "buyer protection" or "seller certification"
- NEVER GIVE OUT FINANCIAL INFORMATION (bank account number, social security number, eBay/PayPal info, etc.)
- AVOID DEALS INVOLVING SHIPPING OR ESCROW SERVICES and know that ONLY A SCAMMER WILL "GUARANTEE" YOUR TRANSACTION.

### Who should I notify about fraud or scam attempts?

- FTC toll free hotline: 877-FTC-HELP (877-382-4357)
- FTC online complaint form (www.ftc.gov)
- Canadian PhoneBusters hotline: 888-495-8501
- Internet Fraud Complaint Center (www.ic3.gov/)
- Non-emergency number for your local police department.

If you suspect that an item posted on ChiropracticJobFinder.com may be part of a scam, please email the details to "info@ChiropracticJobFinder.com" Be sure to include a copy of the ad and the post ID number in your message.

### Recognizing scams

Most scams involve one or more of the following:

- inquiry from someone far away, often in another country
- Western Union, Money Gram, cashier's check, money order, shipping, escrow service, or a "guarantee"
- inability or refusal to meet face-to-face before consumating transaction
- Western Union, Money Gram, cashier's check, money order, shipping, escrow service, or a "guarantee"

### Examples of Scams

1. Someone claims that Chiropractic Job Finder will guarantee a transaction, certify a buyer/seller, OR claims that Chiropractic Job Finder will handle or provide protection for a payment

- These claims are fraudulent, as Chiropractic Job Finder does not have any role in any transaction.

2. distant person offers a genuine-looking (but fake) cashier's check

- you receive an email (examples below) offering to buy your item, or rent your apartment, sight unseen.
- cashier's check is offered for your sale item, as a deposit for an apartment, or for just about anything else of value.
- value of cashier's check often far exceeds your item - scammer offers to "trust" you, and asks you to wire the balance via money transfer service
- banks will often cash these fake checks AND THEN HOLD YOU RESPONSIBLE WHEN THE CHECK FAILS TO CLEAR, including criminal prosecution in some cases!
- scam often involves a 3rd party (shipping agent, business associate owing buyer money, etc)

3. Someone requests wire service payment via Western Union or MoneyGram:

- Scam "bait" items include apartments, laptops, plasma TVs, cell phones, tickets - but could be almost anything
- Often claim that an MTCN or confirmation code is needed before he can withdraw your money - this is FALSE, once you've wired money, it is GONE.
- Common countries currently include: Nigeria, Romania, United Kingdom, Ukraine, Spain, Italy, Netherlands - but could be anywhere
- Apartment listing may be local, but landlord/owner is "travelling" or "relocating" and needs you to wire money to them abroad
- Deal often seems too good to be true, price is too low, rent is below market, etc

4. distant person offers to send you a money order and then have you wire money:

- this is ALWAYS a scam, in our experience - the cashier's check is FAKE
- sometimes accompanies an offer of merchandise, sometimes not
- scammer often asks for your name, address, etc for printing on the fake check
- deal often seems too good to be true

5. distant seller suggests use of an online escrow service.

- most online escrow sites are FRAUDULENT, operated by scammers
- for more info, do a google search on "fake escrow" or "escrow fraud"

6. distant seller asks for a partial payment upfront, after which he will ship goods

- he says he trusts you with the partial payment
- he may say he has already shipped the goods
- deal often sounds too good to be true

7. foreign company offers you a job receiving payments from customers, then wiring funds

- foreign company may claim it is unable to receive payments from its customers directly
- you are typically offered a percentage of payments received
- this kind of "position" may be posted as a job, or offered to you via email

### Other Resources

U.S. Postal Service warning scambusters

### actual scam emails sent to ChiropracticJobFinder.com users

    Hello ,
    Thanks for your mail back concerning the inquiry mail i sent to you.
    The price,condition also the pics i viewed is okay by me .And my client
    confirm there is no problem about the price($975 ) ,my client do pays with
    a {USA}cashier check,he has agreed to mail out as bank cashiers check of
    $3500. to you on my behalf to cover the shippment fees.About the shippment,
    that we be taken care by my me & my personal assistant,my personal assistant
    will be using his shipper to do the quick processing of the shipping of
    the(1987 Toyota Celica) to my client.
    So all you are to do after you will received the check in your mail,
    Just take out your sale amount and refer the remaining money to my shipper
    immediately through the westernunion or the money gramm outlet so to get the
    money fast and start the fast arrangement for the pickup of the
    (1987 Toyota Celica).Since you are the original owner of this item,and i
    am buying the item directly from you i will like you to write your full name
    to be on the check,with the mailing address which my client will be using
    to issued out the check to you.I do wish to trust you by refering the rest
    balance back to my shipper and also your fast doing to this transaction.
    I will like to hear fromyou if this is okay by you and you are ready to
    process ,if you aready to sale your item and promise refering the rest
    balance to my shipper immediately you received the check so can start the
    quick arrangement for the pickup. Any body that want to buy this item
    this item just tell therm that it as been sold. I will like to copmplete
    this transaction befor the new year. I be at my computer waiting to see
    your epky to my payment method mailed.
    THANKS AND MAIL ME BACK WITH YOUR DETAIL AS SOON AS POSSIBLE.

    ##########

Are we missing any? Anything to add?
E-mail: info@ChiropracticJobFinder.com

www.ChiropracticJobFinder.com

"Your Free Classifieds for Chiropractors and Health Professionals!"

Copyright © 2008 ChiropracticJobFinder.com, All rights reserved.