Possible fraud warning!

I received the following e-mail yesterday:

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THIS IS AN AUTOMATED EMAIL – PLEASE DO NOT REPLY.

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We received a request from 76.121.131.2 to reset your password for your Bank Account at Chase. Your account has been suspended after too many failed login attempts have been made.
You may click on the link below to reactivate your account:

[I've redacted the link]

We appreciate your business and look forward to serving you again in the future.

Best regards,

2012 JPMorgan Chase & Co.

28255-0001
I called Chase, who said that this e-mail was not from them. I’d suggest that if you receive something similar you not click on the link. If anyone knows any more about this, please comment below.

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Comments

  1. Ron19 says

    DQ:

    That’s one good way to do it.

    Another way is to shut off your mail program and browser, and then go to your bank/credit card/utility/? and check on your account.  There should also be someplace you can forward the email to, with an explanation that you are suspicious of it.  But like you said, never click on one of these emails’ links. 

    I get notices like this occasionally, including for accounts that I’ve never logged into.

    Caveat opener!

  2. Charles Martel says

    This is pretty typical “phishing,” where spammers try to get the unwary to reveal their banking information. One thing that gives it away is the lack of a personal salutation, another is often ungrammatical or awkward phrasing at some point.
     
    The IP address, “76.121.131.2,” is malarkey designed to impress the recipient with the high-tech wonder of it all. (I entered the address into Google to perform an IP location search. The third item to come up was a report of a fraudulent assault against a bank account from that address. When in doubt, Google!)
     
    Of course the biggest giveaway is the sudden request to reset a password and the instruction to go do it by clicking on an accompanying URL. Rule Number 1, now and forever, is that a bank will never, never, ever ask a customer to do this.
     
    DQ was smart to call Chase to confirm, and now he knows he can confidently disregard all such requests in the future.

  3. weathtd says

    Do not click on the link, but do forward the email to the bank’s fraud unit.  All the major banks and credit card companies have fraud reporting addresses.  I’ve had several of the emails claiming to be with one company or another.  I forward them all.   If they get enough of them maybe they can finally track the toads down and castrate them.

  4. Charles Martel says

    Phishing scams are wholesale operations. The wholesalers are the offshore (usually Russian and African) criminal syndicates that spoof U.S. bank sites and depend on the law of averages to work in their favor. If you send out 1 million e-mails and even just 1/1000th of the recipients reply with confidential information, you are way ahead of the game.
     
    The syndicates then wholesale the stolen information to U.S.-based criminals who then start running up phony credit card charges or committing identity theft. 
     
    The cops sometimes can track and close down these operations, but they’re ridiculously easy to set up, operate, and abandon. The best defense so far is abstinence: Abstain from responding to any suspicious request.

  5. JohnC says

    The first thing I always look for is does the letter address me specifically, by name?
    It’s easy to overlook but it’s often the first dead give-away that I’m looking at a fake letter.

  6. Gringo says

    Over the years I have received  a number of such e-mails from “banks” such as “Chase,” Bank of America,” and others- all of which my ISP deposited into the spam folder. The problem with such e-mails from “banks” is that I didn’t have an account at the real banks with those names.
     
    My ISP is VERY good at distinguishing spam from regular mail. It makes very few mistakes. I occasionally read the spam, as it can be entertaining.

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