Western Union (USA) admits that its system facilitated scammers, and puts money aside to recompense victims. What does this mean for us in Australia? How can you see details of your financial transactions?
In a media release from the Federal Trade Commission (USA) posted on 19 January 2017, it was announced that not only did Western Union admit its culpability in “willfully failing to maintain an effective anti-money laundering program and aiding and abetting wire fraud” but also that it has forfeited $586 million so it can recompense victims of these frauds.
Whilst the cited cases are based around sending money to China for people or drug trafficking, and aiding and abetting offshore gambling, the terms of the overall judgement, taken jointly by a large number of US agencies, are much more general than just this. The problems with Western Union, according to them included: Continue reading Western Union admits that its system facilitated scammers
The more contacts I have from people who have been scammed the more I see the different types of scams that are being carried out. The amount of ‘romance’ can vary. There are a number of types of activities that have building a relationship as a primary focus. You will find these listed on the governmental sites that talk about scams as Online Scams or Fraud, and this is a more generic description. Only when you read the detail does it make it clear this relates to what is commonly known as ‘romance’ or ‘dating’ scams.
In my blog I have focused on scams that use romance as the hook to then enable the scammer to exhort money. The contact mechanism is often dating sites, but can also be any membership site or social media such as Facebook or even communication mechanisms such as Skype or Viber. Whilst dating sites have the benefit (to the scammer) of legitimacy and expectation of making contact, because that is the purpose of the site, other mechanisms, like on Facebook, the scammer is putting out a ‘cold’ request for contact with no automatic expectation, except social convention and politeness perhaps, of a response. They must be successful though, because they keep doing it, and I know from victims who respond thinking “its just friendship, it can’t hurt”, that whatever lure they are using, it works. Continue reading Different types of romance scams
Australians lose millions of dollars through romance scams and there is no evidence that police are doing anything. Here are the responses to my queries to the relevant agencies. Victims want justice, the police don’t seem to be taking any notice. This is not good enough!
My last blog questioning what the police are doing to investigate scams has generated some interesting responses. A promise for more information from a senior member of the Victorian police; a response from the ACCC to my query; and someone’s FOI request has given a standard response from the Australian Institute of Criminology (ACIC). Since July the ACIC has had responsibility for ACORN. Continue reading Police are not doing enough about scams!
When someone contacts me saying they have been scammed and what should they do one of my first suggestions to them is to report the scam to ACORN (Australian Cybercrime Online Reporting Network). I am an Ambassador for them, so that’s logical, right? But what does ACORN do?
I was recently contacted by someone in this situation, and her story, is, according to the research by Cassandra Cross mentioned in my last post, not that unusual. She communicated with me over a number of days, complaining that no-one in the various police forces would take her call, and that she was continually referred on to someone else, who then referred her on again. This included state police, federal police, and even Interpol, who could work on her behalf, but only if contacted by the relevant local agency (police). But they weren’t interested in even taking her details. Continue reading What are our police forces doing about romance scammers??
[How victim blaming applies to romance scams. The latest research from Dr. Cassandra Cross explains how scam victims are blamed, how they are impacted and the influence on the reporting of scams. Who you should not tell about your scam, from Dr Brené Brown.]
The term ‘victim blaming’ has come to the fore recently in relation to photos of schoolgirls being published online, and one school’s response to this. As with rape and other sexual assaults in the past, the victim (schoolgirls) were blamed for their actions, clothing, etc inciting their abuse. The same happens with victims of romance scams.
“Victim blaming occurs when the victim of a crime or any wrongful act is held entirely or partially responsible for the harm that befell them“, according to Wikipedia. RationalWiki describes further: “Blaming the victim describes the attempt to escape responsibility by placing the blame for the crime or other abuse at the hands of the victim. Classically this is the rapist claiming his victim was “asking for it” by, for example, wearing a short skirt.”
The past years has seen an increasing understanding that rape victims are not to blame for their rape, no matter what they wear, and women walking through parks, or on their way home after a night out are not inciting their sexual assault simply by being out. The change in understand has been brought about by a concerted effort by women’s groups raising and successfully addressing the spectre of the sexual double standard involved. Continue reading Victim Blaming endemic in Romance Scams
As I said last time, ACORN is a national policing initiative that allows cybercrime victims to easily and instantly report cases of criminal activity online, as well as providing information on how to avoid falling victim to cyber criminals.
When I reported my scam experience, late in 2012, I reported to the local police station. I took all of my documents in, which they copied, they took my statement, and that was that. I was so embarrassed I can remember being very detached, giving a local constable the detail, but not showing any emotion. There was no sense they could do anything, and online research I did later indicated that it was unlikely that I would ever get anything back. I felt powerless to do anything about what had happened. Friends suggested I contact other policing agencies but I was so ashamed of what had happened that I could not.
The one thing I know the local police did do was report the names used by my scammers to Western Union, so that they could be stopped if used again. Only the police could do that. I also heard that Western Union reported that the money I sent via them was collected in Nigeria. That was a surprise, as I had sent the money to Dubai.
We don’t always hear about it but the fact that ACORN is set up shows that the police are doing something, and police jurisdictions working together helps get results. For example, I know of one woman in Victoria was told by Police from Western Australia that she was being scammed, which they were able to do because they were watching the account to which she was sending money. They stopped her losing even more money. The ability to watch bank accounts, Western Union and other money transfer agencies that are being used by scammers, and share this information across jurisdictions is critical to early detection and prevention of romance scams.
Another example of police jurisdictions working together is the Scams disruption project started in August last year. This saw 1500 letters being sent to people across Australia identified as sending money overseas, warning them that it may be a potential scam. This project has a great page on how to identify romance scams. 60% of the transactions stopped. For the first time this clearly identified social media as a source of the initial contact, though dating sites still were the source of 74% of the relationship formed as a basis of the scam. I wish this had happened two years before, perhaps stopped my scam happening, or at least getting so bad….
It was not easy to go into that police station and front up to the huge error I had made and the hundreds of thousands of dollars I had lost. Being able to report online will now make this easier, and hopefully mean that the event and the financial loss can be reported sooner, again enabling police to be engaged in prompt investigation and identification of perpetrators.
Effectiveness, as gauged by stopping and arresting perpetrators, cannot be achieved by local justice agencies however, as mostly the perpetrators are overseas. The building of sufficient evidence and proof, however, to take to overseas police jurisdictions is critical. Unfortunately history says it takes a death to raise the profile enough for action to be taken, as in the case of the Western Australian woman Jette Jacobs who was killed in South Africa. They did arrest her killer, and in the process, the Australian Federal Police built good relationships with the Nigerian police.
I hear that scammers are now moving to Ghana, as there are no reciprocal policing arrangements or relationships there. I also hear that the proportion of scams targeting Australians is greater than elsewhere in the world. I wonder why, but could guess, based on my own experience, that it is because we have more difficulty determining what’s true or real in places that are more distant from us.
For myself, when my scammer said he had to pay taxes in Dubai that he had not allowed for, and that people came and threatened violence and to throw him in jail if he did not pay, I had no way of assessing if this was a likely and real scenario for Dubai. Unfortunately I assumed it was true, and gave money to help. Another scenario I have heard is of a scammer claiming to have an Italian background, and the woman who was targeted knowing that the accent did not hold true because she was familiar with Italy. She realised that it was a scam, and avoided losing money because of this.
But I am getting a little off track. Over $28 million was reported lost to romance scams in Australia last year, according to the Australian Competition and Consumer Commission (ACCC), who run the ScamWatch website. At least that is what we know about, and we only know about them because they were reported. I suspect that this is just the tip of the iceberg. We won’t really know the true amounts until more are reported. If we knew the true costs to our economy, this would put pressure on police jurisdictions, parliamentarians, and dating sites to do more.
The fourth reason to report the scam to ACORN and similar organisations is a psychological one. If we do not name it for ourselves, say what has happened, tell the truth, and instead retreat into shame and silence, we remain forever a victim of the scam. By telling the truth about what has happened, calling the scam the professional and criminal fraud that it is, we can step out from behind being a victim, take small steps to regain our self respect, and become a survivor. It is the first step to owning up to the fact that we have made a mistake, learning from it, and moving forward. I hope you take (or have taken) action and become a survivor. Its not too late to go ahead and report if you haven’t already. It will still add to the picture and understanding of what is happening here in Australia even if it was some time ago.
Just to be clear, The Australian Competition and Consumer Commission’s SCAMwatch website also takes reports of scams. If you have fallen victim to a scam, you should report the matter to the ACORN. Where a crime may not have occurred, but the matter involves a scam, this can be reported to SCAMwatch to help keep Australians informed about the latest range of scams in circulation. Information on online scams reported to the ACORN will be shared with the ACCC.