![]() Real estate wire scams occur when a person who is buying or refinancing a home wires money to a scammer's account based on false wiring instructions received in an email. If you're unsure of the descriptions used for a transaction, ask a banker to help since many scammers will add a memo to make the transfer appear legitimate. Review your account activity to spot signs of fraud, such as an online transfer from your own savings, credit card, or home equity line of credit.Be truthful about the situation, since many scammers direct you to lie about why you're wiring the money. If you are asked to wire money from a recent deposit or overpayment, discuss the situation with a banker or trusted friend or family member.Note: Scammers sometimes purchase ads and create fake customer service websites that will show up on search results. If you want to call the company, use the customer service number on their official website. Don't trust phone numbers provided to you in an email, voicemail, or pop-up ad.If you suspect something is wrong with your computer or believe the scammer obtained access to it, bring it to a reputable company for a malware check. If you receive a call about a computer problem, hang up. Never give control of your computer to anyone who contacts you.They may ask you to wire money to a foreign country, purchase gift cards, or mail cash. Often, the refund is for much more than promised (e.g., $40,000 instead of $400), so the scammer makes a plea for you to send the extra money back so they don't lose their job. If you give them access to your online banking, they will make it appear as if they're sending you a refund, but they're actually transferring money from your own accounts. Other times, the scammer offers a "refund" for a discontinued service or a so-called "accidental overcharge". If you give them access, they may install malicious software to steal your personal or financial information. Typically, the scammer will ask you to type a specific command to enable this access. ![]() Sometimes the caller says they have identified a problem and offers to fix your computer for a fee. This can be in the form of a pop-up or an unexpected call. Tech support scams happen when someone contacts you claiming to be from a well-known technology company and requests remote access to your computer. Don't pay for online products with a wire transfer or mobile payment app.A deep discount could be the sign of a scammer trying to lure you in, only to tack on additional fees once you make the first payment. Watch out for deals that are too good to be true.Online scammers will sometimes purchase ads to direct you to their scam website, so research the seller or product before you buy. Know that anyone can set up a realistic-looking website or social media ad.If you use a payment app or wire money to the scammer, you'll never receive the product and likely not get your money back. Typically, the scammer requests payment through a mobile payment app or wire transfer because they are usually irreversible. Online shopping scams can be difficult to spot because scammers often create realistic websites and social media ads with great deals, fake assurances, and bogus warranties for their products. Neither Wells Fargo nor Zelle ® offers a protection program for any authorized payments made with Zelle ® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected, you will likely lose your money. Zelle ® is similar to using cash - you cannot cancel the payment if your recipient has already enrolled. We recommend you only send money to those you know and trust when using Zelle ®. When in doubt, call us immediately using the phone number listed on the back of your debit card. Scammers can spoof their number so that it appears to be a legitimate Wells Fargo number. If someone claiming to be from Wells Fargo asks for this information, it's a scam. Wells Fargo will never ask for your login, password, one-time access code, or PIN. Important: Wells Fargo will not ask you to send a Zelle ® payment to yourself, your bank (including Wells Fargo), or anyone else. You can send money to almost anyone with an eligible U.S.-based bank account using their email address or U.S. Wells Fargo offers Zelle ® as a convenient way to send and receive money from friends, family and others you know and trust. To help protect yourself from online payment scams and wire fraud, here's what to look for: Scam #1: Online payment scams However, because these types of payments are immediate – and typically irreversible – they are also frequently used in fraud schemes. ![]() Online payments and wire transfers are fast, easier ways to send money to individuals and businesses. ![]()
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