One of our residents recently forwarded an email they received concerning an opportunity to work as a "secret shopper." 

At first glance, this email may appear to be legitimate.  You are asked to respond with some general information and are told that you would be working to provide valuable assistance in correcting deficient services at various businesses.

One of the tasks requested would be to make a wire transfer of money to another secret shopper at another location or country.  Of course you would have to note the time of the transaction and how long it took you to get service.  The "secret shopper" company would then mail you a check to cover your expenses.....

Unfortunately, this check will never arrive.  There are other clues embedded in this email that should trigger alerts.  There is no company information provided, no phone numbers, no way to actually check on this company.  Generic "gmail.com" and "yahoo.com" mail accounts are used, the foreign currency of "pounds" is listed and more.

These types of scams are known as "Advance Fee" scams.  Fortunately, our resident did participate in this offer.  Because these types of transactions are almost impossible to trace, or take place in foreign countries, recovery of money is almost never a possibility.

See the email here

About Advance Fee Schemes

An advance fee scheme occurs when the victim pays money to someone in anticipation of receiving something of greater value, such as a loan, contract, investment, or gift, and then receives little or nothing in return. In this case, the user is asked to send a payment in anticipation of receiving money later.

The variety of advance fee schemes is limited only by the imagination of the con artists who offer them. They may involve the sale of products or services, the offering of investments, lottery winnings, "found money," or many other "opportunities." Clever con artists will offer to find financing arrangements for their clients who pay a "finder's fee" in advance. They require their clients to sign contracts in which they agree to pay the fee when they are introduced to the financing source. Victims often learn that they are ineligible for financing only after they have paid the "finder" according to the contract. Such agreements may be legal unless it can be shown that the "finder" never had the intention or the ability to provide financing for the victims.

Some Tips to Avoid the Advanced Fee Schemes:

• If the offer of an "opportunity" appears too good to be true, it probably is. Follow common business practice. For example, legitimate business is rarely conducted in cash on a street corner.
• Know who you are dealing with. If you have not heard of a person or company that you intend to do business with, learn more about them. Depending on the amount of money that you intend to spend, you may want to visit the business location, check with the Better Business Bureau, or consult with your bank, an attorney, or the police.
• Make sure you fully understand any business agreement that you enter into. If the terms are complex, have them reviewed by a competent attorney.
• Be wary of businesses that operate out of post office boxes or mail drops and do not have a street address, or of dealing with persons who do not have a direct telephone line, who are never "in" when you call, but always return your call later.
• Be wary of business deals that require you to sign nondisclosure or non-circumvention agreements that are designed to prevent you from independently verifying the bona fides of the people with whom you intend to do business. Con artists often use non-circumvention agreements to threaten their victims with civil suit if they report their losses to law enforcement.