Be sure everything is as it seems

#BeFraudSmart

You Are Our Partner. While Western Union works hard to help prevent fraud, we believe that fraud prevention is everyone’s responsibility.
Your best defense is to be aware, educate yourself and use good judgment with our informative tips.
Don’t fall victim: Learn how to spot the warning signs of a scam or scammer before it’s too late.

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Protect yourself from fraud

Only use Western Union to send money to friends and family. Never send money to someone you have not met in person. Scammers sometimes encourage people to transfer money. Do not transfer money to anyone who asks you to send them money:

  • For an emergency situation you haven’t confirmed.
  • For an online purchase.
  • For anti‐virus protection.
  • For a deposit or payment on a rental property.
  • To claim lottery or prize winnings.
  • To pay taxes.
  • For a donation to charity.
  • For a mystery shopping assignment.
  • For a job opportunity.
  • For a credit card or loan fee.
  • To resolve an immigration matter.

If you transfer money, the person you’re sending it to gets the money quickly. After the money is paid, Western Union may not be able to give you a refund, even if you are the victim of fraud, except under limited circumstances.

Think you’ve been scammed?

If you believe that you are the victim of fraud, call the Western Union Fraud Hotline at 001 800 220 2294.

Advanced Fee / Prepayment scam

Victim is asked to pay upfront fees for financial services which are never provided. Victims often send a succession of transactions for payment of various upfront fees. Common methods could include: credit card, grants, loans, inheritance, or investment.

Associated with:
Fake Check scam, Grandparent scam

Article:
4 ways to protect yourself against advanced fee and prepayment scams

AdvancedFee

Emergency scam

Victim is led to believe that they are sending funds to assist a friend or loved one in urgent need. Victim sends the money with urgency as the victim’s natural concern for a loved one is exploited.

Associated with:
Grandparent scam, Advanced Fee / Prepayment scam

Article:
Western Union and Better Business Bureau Partner to Protect Consumers from Emergency Scam

EmergencyBernie

Employment scam

Victim responds to a job posting and is hired for the fictitious job and sent a fake check for job related expenses. Check amount exceeds the victim’s expenses and victim sends remaining funds back using a money transfer. The check bounces and the victim is responsible for the full amount.

Associated with:
Mystery Shopping scam, Fake Check scam

Article:
3 employment scams and tips to help avoid becoming a victim

Employment

Fake Check scam

Victims are often sent a check as a part of a scam and told to deposit the check and use the funds for employment expenses, internet purchases, mystery shopping, etc. The check is fake (counterfeit), and the victim is left responsible for any funds used from the check. Remember, funds from a check deposited into an account should not be used until the check officially clears which can take weeks.

Associated with:
Advanced Fee / Prepayment scam, Mystery Shopping scam, Employment scam, Overpayment scam, Internet Purchase scam, Lottery / Prize scam, Rental Property scam

Article:
3 employment scams and tips to help avoid becoming a victim

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Grandparent scam

This scam is a variation on the Emergency scam.

The victim is contacted by an individual pretending to be a grandchild in distress, or a person of authority such as a medical professional, law enforcement officer, or attorney.

The fraudster describes an urgent situation or emergency (bail, medical expenses, emergency travel funds) involving the grandchild that requires a money transfer to be sent immediately.
No emergency has occurred, and the victim who sent money to help their grandchild has lost their money.

Associated with:
Advanced Fee / Prepayment scam, Emergency scam

Article:
6 tips and insights to avoid the grandparent scam

Grandparent

Internet Purchase scam

Victims could be the buyer or a seller of items (e.g. pets, cars) or services advertised online through Craigslist, eBay, Alibaba, Gumtree, carsales.com, etc. Scammers pretending to be legitimate online sellers, either with a fake website or a fake ad on a genuine site advertising an item at a low price. They ask you to pay using a money order, pre-loaded money card or money transfer, after the money is sent, the victim never receives the merchandise or service. Scammers also pretend to be legitimate buyers by sending more than the selling price, and asks the seller to wire the difference back to them via a money transfer.

Associated with:
Overpayment scam, Rental Property scam, Fake Check scam

Articles:
Fraud alert: Internet puppy purchase scams rising, Defend yourself from COVID-19 consumer scams

InternetPurchase

Lottery / Prize scam

Victim is told that they have won a lottery, prize or sweepstakes and that money must be sent to cover the taxes or fees on the winnings. The victim may receive a check for part of the winnings and once the check is deposited and money is sent, the check bounces.

Associated with:
Advanced Fee / Prepayment scam, Fake Check scam

Articles:
7 tips to avoid lottery scams , Avoid falling for sweepstakes scams

Lottery

Mystery Shopping scam

The fraudster contacts the victim through an employment website, or the victim responds to an ad about an employment opportunity to evaluate a money transfer service. The fraudster often sends the victim a check to deposit and instructs the victim to send a money transfer, keeping a portion of the check for their pay. The victim sends the money, the fraudster picks it up, and when the check bounces the victim is left responsible for the full amount.

Associated with:
Fake Check scam, Employment scam, Advanced Fee / Prepayment scam

Article:
Why offers to become a mystery shopper require lots of scrutiny

MysteryShop

Overpayment scam

The fraudster sends the victim a check that appears to be valid as payment for a service or product. Typically, the amount of the check exceeds what the victim expects to receive, and the fraudster tells the victim to send the excess back using a money transfer. When the check bounces, the victim is left responsible for the full amount.

Associated with:
Internet Purchase scam, Fake Check scam, Advanced Fee / Prepayment scam

Article:
Watch your back: Payment scams common in online buying & selling

Overpayment

Relationship scam

Victim is led to believe that they have a personal relationship with someone they met online often by social media, in an online forum or on a dating website. The victim is often emotionally invested, often referring to the recipient as a fiancée.

Associated with:
Emergency scam

Article:
Looking for love on the Internet in 2016

Romance

Rental Property scam

Victim sends money for deposit on a rental property and never receives access to the rental property or the victim may also be the property owner who is sent a check from the renter and asked to send a portion of the check back using a money transfer and the check bounces.

Associated with:
Internet Purchase scam, Fake Check scam, Overpayment scam

Articles:
Landlords in the spotlight – how tenants can avoid getting stung, Western Union combats online rental scams, Consumer need to be on guard against common rental scams

Rental

Protect Yourself—fraud comes in all shapes and sizes

Learn more about the tricks fraudsters use to lure in victims.