Friday, June 3, 2011

Jane Hatfield

Her name was Jane Hatfield. She was a sweet, elderly woman, who was well into her late 80s. She lived alone in a quiet suburb and had a daughter, Anna, who checked on her from time to time. For the most part, she lived independently, paid her bills, made her own meals, went to church with the neighbors, and still drove on occasion. A couple times a week, her daughter would stop and visit. They would have dinner or go to a movie. Even so, Jane was very lonely. She would spend her days reading, watching TV, knitting, and spending time with her cat. She was very grateful for her daughter's visits and enjoyed conversing with the neighbors. Her beloved husband James had passed away, nearly 8 years ago, and she missed his presence immensely. What money he left her was used mostly towards paying funeral costs, so his loss was very much a hardship, both financially and emotionally.

One day, she received a call from a man with a thick, foreign accent, who tells her that he is with Publishers Clearing House and that she is the lucky prize winner of $2.5 million and a Mercedes-Benz. Jane is so excited and feels that it's her lucky day. The man, John Smith, proceeds to tell her that there is a delivery fee for the car and that she must pay taxes in advance of receiving the winnings. She is alarmed and expresses to him that she is on a fixed income and has no money for the $500 payment. He quickly tells her that they can make an adjustment and that $250 would be fine. Jane doesn't have that either. Mr. Smith says to her that surely, there is someone she can borrow from. She is very reluctant to do this, even for millions of dollars, so Mr. Smith says that he will have her talk to his supervisor. So, she talks to him, and he okays the amount of $50. She gratefully accepts, and he tells her that she needs to go to the nearest Western Union or Money gram to send the payment and gives her the address of where she needs to send it. After she does this, she calls him back to let him know. To her relief, he informs her that the check can now be delivered, and once she receives it, she will need to pay the remainder of the $500. Anxiously, she does this, but the check she receives isn't the $2.5 million that she was expecting. It was for only $2500. Mr. Smith tells her the rest is coming, but the $450 must be paid first.

A couple days later, a Rudolph Jensen from the FBI calls and tells her that she is guilty of check fraud and owes the American government $2500. Jane is horrified and says that cannot be possible. Rudolph continues threateningly that if she doesn't pay the $2500 immediately, that she will be incarcerated. Jane is begging and pleading with Rudolph. She doesn't have the money, and he threatens that she MUST come up with it. No excuses. She has committed a crime. Jane, out of desperation, remembers that she has some savings bonds tucked away that were reserved for her only daughter, for when she passes on. She agrees to cash some of these in to pay off the $2500 debt, and Mr. Jensen seems satisfied.

A few days later, she gets a call from 2 more agents, one from the CIA and the other, a U.S. Marshall. Both agencies are telling her that she is being charged with check fraud and conspiring with foreign intelligence to steal funds from innocent Americans. Jane is so upset. She is in tears and pleads with them that under no circumstances is she guilty of any wrong doing. The agents take turns badgering the poor woman, until she breaks down and tells them that she will do whatever it takes to clear her name. That gets them to stop badgering her, temporarily. She sends them another $2500, this time to a different address.

A day later, the scenario repeats itself. So-called agents call Jane and harass her. They change their story and their job titles but still employ the same tactics. Their goal, their mission is to rattle Jane, until she hands over money. When they get what they want, they leave her alone for a bit but will be back at it again. They do not care if Jane has to sell her home, beg, steal, whatever, so long as they get money, that is what they care about...

This crime happens every day in this country. Many times, an elderly person will fall victim to it because they may be lonely, naive, have mental problems or just desperate for cash. They are not the only victims though. Others will fall for this scam, believing that Publishers Clearing House is actually awarding them money. Having to pay taxes on winnings or delivery costs on a brand new car does not seem too far-fetched, so people pay it. It's a small sacrifice, when you think millions are coming. People will dig deep into their pockets to pay these fees, borrow money, spend their life savings, sell a home, go into debt. The scammers are professional con-artists. They can be threatening, but they can also be friendly, whatever it takes to get into a person's pocketbook. It's a cold, heartless, calculating business.

At my work I hear from people like Jane and others, who call to verify the legitimacy of these calls. Some will swear up and down that the callers and their stories are the real deal, no matter what I tell them. Scammers even go so far as to tell victims that if you believe in God, you can believe in me, and my offer is real. The lengths these people will go to rob people is unbelievable, but it happens every day.

So, if you get anything from this message, I hope that it is awareness. I only ask that you take that awareness and spread it. There are people out there, who need not be victims. All they need is a little education. Just think, Jane could be someone you know.


8 comments:

  1. Well done and compellingly put - thank you. Also curious to know what you're aware of about how the scammers work and who they *are*: the size and the degree of organization in the groups they typically work in. Is this predominately coming in from overseas? How do they profile or home in on victims?

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  2. Thank you, Marc! As far as the scammers that I am referencing in this post, I don't know exactly how they operate. Some scam calls are made from Jamaica, and the Federal Trade Commission has some sort of partnership with law enforcement there. I am not sure how this works, other than victims should call the FTC.

    As more callers are involved though, area codes from New York, the southwestern U.S., and Florida pop up. They request that money be sent to different parts of the United States and also Jamaica. Apparently, there is a network between the different states and Jamaica. I don't know enough about it though.

    What I do know is that when money is sent through Western Union, once the transaction is made and the criminal has the money, there is no follow-up from Western Union.

    As far as how they choose their victims, I can only make an educated guess. Let's say AARP has a mailing list or some other senior citizen group. Someone could pay for that list. This sort of thing happens a lot. Names, numbers, and addresses can easily get into the wrong hands. It comes up in the media, here and there, about security breaches. So, that would be my guess as to how the scammers obtain their information.

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  3. I didn't assume you necessarily had answers to those questions, by the way, but was curious as to what you did know. I thought the international angle had a lot to do with how the transactions could be irreversible and the criminals untraceable, but wasn't sure how much of this is done that way.

    It's a sad thing, the fear almost more than the money loss; and I guess no matter how well publicized you think these scams are, there are always people it strikes as new. The same principle driving AIDS and lottery tickets, I guess: ignorance and wishful thinking.

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  4. It has been my understanding that all international wire transfers CAN be reversed but it is such an archaic regulation that no one is willing to make the effort.....

    As far as getting names, I assumed it was a numbers game, software that randomly pulls up numbers and they just go down a list day after day until they find someone who will buy their story.

    I'm going to share this on my fb; my son does tons of western union transfers at work and he knows of one gentleman who is being totally scammed, repeatedly sending money all over the world, but doesn't/can't know how to help the elderly gentleman.

    At the end of the day, education about these things and taking care of your family and being connected is the only way to deal with this sort of thing.....sadly in today's society, that last part is going to the wayside....

    Thank you K, for writing this.
    Hugs...
    M~

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  5. Hugs to you too, Michelle. I hope Ian can help that guy. There have been children, who have called and talked to me on behalf of their parents, because they can't convince them of the scam. So, if Ian needs any more information, you can always have him call me.

    There needs to be more honest people working for Western Union too. It's been in the news that there are insiders a part of this very scam that I am describing. The company has been sued. :(

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  6. This is sad. Older people need their relatives or friends to pay more attention to them. I see everyday, these people living in there homes, not really able to take care of their selves, or their properties.I've also seen abuse where someone has embezzled from these people.

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  7. Yeah, agreed. No matter how many phone calls I receive, where I educate people about this, media releases sent or talks given about this very subject, people just don't understand or don't really care because it doesn't affect them, personally. I see it as a form of terrorism. Scammers from foreign countries are victimizing helpless Americans, and there just isn't enough being done about it.

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  8. You're exactly right. There needs to be a screening or something.Open-minds, open-suggestions. Wish I could come up with something.

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