NOTIFICATION From Discover Bank account!

Bank account scams are plentiful, what makes this particular example nasty is they use of the bank account ‘number’ – legitimate references to your account would display the last 4 digits, not the first four.

Test Your Skills

You should be able to find at least eight red flags that tell you this e-mail is fraudulent. Click on the picture below to see the answers, but try to find them yourself, first. If you find seven, you have little to worry about. If you find fewer than six, consider practicing on some more of our spam scam examples.

Here are the red flags that show this is a scam:

  1. The subject line is screaming urgency at you. Notification is capitalized, and it ends in an exclamation mark. Scammers want you to feel a sense of urgency so you act before you think. Additionally the word from is starts with a capital letter, but the word account does not.
  2. Not only is this email not addressed to you, the email given for the bank is not Discover Bank’s email alias.
  3. Again, the sender does not know your name. If it was indeed your bank, they would address you directly. (and your bank will not send you emails about issues, you will receive mail through the postal service.)
  4. The sentence doesn’t make sense: “Your Discover Bank on file with us is…”   The way this is written implies you have a bank on file with them… I think not. It should say your Discover bank account, or credit card on file with us….  Also, to lure you into believing the scam, the scammers are showing the first 4 digits of an account, a real notice would contain the last 4 digits.
  5. The goal of the scam is to get you to click on this link to ‘their form’. This site has malicious code on it that will download to your computer and steal your information. If the scammers are really lucky, you will also fill out the form giving them everything they need to access to your bank account. Hovering over links (don’t click!) lets you see the actual URL at the bottom of the page.  In this case the URL is http://krf-e.com/shop/images/sierra/notice.php nothing even remotely related to Discovery Bank.
  6. More Urgency – once again the scammers are trying to force you to act before you think with the threat that your account will be restricted if you don’t follow their instructions within 48 hours.
  7. Official sounding nonsense with two more links (link goes to the same site as the link in #5) that they hope you will click on.
  8. Official sounding nonsense with two more links (link goes to the same site as the link in #5) that they hope you will click on.
  9. The last clue that this is a scam? You get 3 notices from ‘Discover Bank’ – which you don’t have an account with – and you are warned about problems with accounts at other banks!

If you think there is a problem with your financial accounts, checks, credit cards, debit cards etc., use a search engine to find the legitimate institutions contact information and call them – or stop by their local offices for assistance. NEVER trust an email for this.

Linda

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