The Refund Scam 

"hello yes we're from the united states embassy, we would like you to refund us an overpayment please pay us 500,000 soviet russian rubles and deliver it to us - the united states government at our embassy partner the people's republic of china. Workers of the World unite and in god we trust! What do you mean this mishmash of identities dont make sense, the Caliph of the USA needs this immediately or his majesty will get angry at us!"

@@OhNotThat Indeed, Soviet Russian rubles are worth about 1 trillionth of a US cent, if even that.

@@RichardWatt They are not, get your maths straight

Send yen instead! Lol

yeah man....dunno how can a normal person fell for this shit ,if they`re not old or disabled

Yup. "How can this person have MINUS MONEY!?

They would probably give some to you out of pity.

Hahaha

they can take your debt lol

If you have empty accounts the scam doesn't work so well lol.

I’ve also heard “I’m going to kill you, just open the door” , “ I’m going to slap your cat!”, and “my name is Lucifer and I worship Satan”

As long as they don't try to install foreign hackers into your IP address

17:57

@@Princess_Crap_Bag_Phalange im going to slap your cat?? lol I'm going using this

P

lol

except instead of $100 they sent you play money

LMAOOOO

*Wendy’s

@@kutsuro3901 *Monopoly money

LMAO

lol

Good one :)

I thought of doing that! Ha great!

I did that too, he told me I was lying and I was scamming him

Herbivore The Carnivore XBOX MICROPHONE INTENSIFIES

YOUR GRAND DAUGHTER HAS COME BETWEEN US

@@charliemallindine8164 Strange love triangle.

That was none of his fucking business..serve hom right kn the ass lol..

That One Dude BALLS BALLS BALLS BALLS BALLS BALLS BALLS

**exactly the same voice**

@@curiouscollectiblesAU LOL

And they have the least sounding Indian name in the entire known universe.

It’s just the older people who come from a different era. None of it makes sense and don’t think people would/could do something so heinous/deceptive. Taking advantage of good hearted people.

Some people just aren’t very smart. Look at all those prank videos on here for example, the vast majority are obviously fake yet the comment section is rife with people who believe they're genuine. How some people can be so gullible is truly beyond me

It's a strange world that we live in

I mean it's great that the scammers use this method. An Apple technician doesn't see that much money flow in gift cards very often (at least, not in person) and small talk might reveal some serious red flags for them instead.

My

ikr

What store would allow someone to buy $5000 worth of gift cards?

One run by the world's greediest company?

Jim is kind of the Roy Rogers of the Internet!! And, he spends lots of his personal time doing this...and, it is not cheap doing this!! Sponsoring guys like Jim is very good! My intention!!

Some grocery stores allow massive gift card purchases. One in particular that I know definitively will do $5000 maximum, but the purchaser must present valid ID, address, method of payment, valid reason, so on for IRS/ SAR logging. It's a daunting, freaky, and time consuming process so chances are the scammer would be more than happy to get $1000 but hound the victim for the rest on another day.

👍Jim love the "job"(read this as an hobby)that u r doing...keep it up!!👍

Little-Endian or Big-Endian?

Thanks for translating

Tonicwine999 my pleasure

@@INT41O Genius.

I imagine a congo line of "supervisors"

SUPER LOUD NOISES intensifies CAN YOU HEAR ME?

**heavy breathing**

If the victim had just told him" Oh you accidentally transferred 5000 to my account... well that's your fault not mine i am gonna keep that money... " this scammer would have flipped out..

CURRUPTED LUL

@@zidanhassan527 CURRYPTED Cause indians

I suppose the academic requirements for that career are rather modest.

I've heard they spell things wrong to weed out anyone smart enough to figure out it's a scam.

@@bruhSaintJohn as an Indian, I approve of this joke

:D

For science!

@@internationalstateofmind8566 But the cake is a lie?!

@@Thiesi All the cake is gone.

Lol ya notice the similarities till i read that

That's what they hope you will do. By the time your account is drained, it's already too late.

@@hawkeye5955 you don't follow.

@@hawkeye5955 Drain it how? By calling back and asking you to go get Wal-Mart gift cards instead?

& give *Jim Browning* The nr to The scamer & he take it from there ! 🥴 & + you get kinde of a revenge

yea but the pin still locks u out of ur computer so unfortunately even if u just hung up then and unplugged ur router it'd cut the remote access and be hilarious but still, pin :/

He doesn't kill them, but he absolutely exposes them

He's Batman, and he needs The Punisher.

Word.

@@yooperlite indeed.

yeah he's a nice guy

You are a fantastic human. You perform this because of your frustrations that we all have but what perplexed me is why these companies don't do more with the knowledge of what the majority of users in India and especially certain parts are doing!! The companies do bear some responsibility I do hope that this is something you are able to point out. Peace

666th like is me

Your username and pic 😂😂👏🏼👏🏼👏🏼

fuck i died laughting :D

Thanks for the translation. I love how the scammers sound offended that their plan didn't work out.

This was in the description so Didn’t need it really thanks anyway

Thanks for the translation!

@@Nexpeon I needed it so stfu

Dorabella Pharah Lol, i second that

Lucky you

😂

"Sir yor komputer is brroken there iz no text on the komand prompt i weel fiks it for u with addisional charge"

this type of scam happened to me about 2 years ago. but I didn't lose any money I eventually figured out it was a scam but he did lock me out of my computer. he made a mistake and i saw him editing the HTML on my bank page. that's when i figured it out. later I went to school to become an IT technician. and realized how dumb I was. if only I knew back then what I know I would have known it was a scam sooner and prevented me getting locked out of my computer. I am now an IT technician and learning more programming and seek to destroy all scammers.

@@shinwookang4379 Uh-huh. So, why did you copy/paste Taylor Youngreen's comment from two years ago? This comment is a scam! It's a scamment!!!

@@shinwookang4379 Dude legit just pasted a comment from somebody else on a video about scammers

@@jdnnle6 They did! And some people say it’s okay to copy comments! LOL! XD It’s not!

Taylor youngreen how’d u get access to your computer again?

had to reinstall windows.

@@thebestnerd4444 Should have reinstalled Linux then. It would never happen again ;)

@@bonbonpony You can't use Linux if you want to do real work with your PC.

Bollocks. I do real work on my PC for many years since, and I use solely Linux for that.

Yes when they are angry and rude, that tips you off to a scammer, it did for me.

What I've read about that topic, it's the responsibilty of the one who is transferring money to make sure that he got the right account and the right amount. If he fails because he makes a typo the receiving account owner is not obliged to transfer the money back. At least thats law in germany and im pretty sure it's similar in the UK.

@@vidguy0101 Hi, I'm a law student and you're completely wrong. Please have a look at §812 BGB of German law. You can't just keep money because someone transfers it to you on accident. There's a whole subject in law called "unjust enrichment law" ("Bereicherungsrecht" in German) that deals with such cases and aims to reverse unjustified money transfer.

@@gayusschwulius8490 Depends of where you are, I know here this is clearly stated when I transfer money via my bank account (I paid my rent like this for a while) to someone else that I'm the one responsible and not the bank. They even give two warnings "are you sure you wrote the right ammount?" and "are you sure sure you transfer the money to the right account number?" before you can finally confirm the transaction.

@@jimmysimard3008 Yes, your bank isn't responsible, but the other person you sent the money to is still obliged to give you your money back. If you live in the US, have a look at the Restatement of the law of Restitution, if you live in the UK read Lipkin Gorman v Karpnale Ltd.

@@gayusschwulius8490 None of those countries... Nothing the guy can't do but sue and he wouldn't win his case.

Hey, you're going out of business anyway or shutting down that department, why should I?

Beware of sending any refunds to suspect or unknown sources. Even if you paid their bankers garanteed cheque in to your account yourself. IE you saw the bankers garanteed chequer with you own eyes and paid it in your self. So it looks safely in your account. Their real money in your real account. Then a call arives saying they have some problem or some transfer fee or tax fee so can you refund the money or a percentage to cover the costs. So it all looks okay as it's only their money which they sent you, right? Wrong! They didn't send any money. They sent a bankers garanteed chequer which is going to bounce. So the scam is the victim sending good money to refund money that never existed. If you ever have to refund bankers garanteed chequers always be sure they have cleared first. That may take 7 days. So do not refund untill the real money arrives.

i know right lol

Yes, I will refund you your money back, sir. You just need to go to this website and complete this form for me, so that I could refund you.... ;)

So you're the real granddaughter story.

Lmao he wants the money so badly

Despicable people who do this, prey on the elderly. Good for you denouncing this shit, many indians get defensive

"The people who work in these call centres are usually the least bright people from their school days, who never did anything productive" So basically, the bullies? Well, at least from my point of view, that's how I imagine them.

Saransh Agarwal I've known some amazing people with their human race being India, that would NEVER do what these scammers in India are doing to people. I just wanted to make a comment, letting people know that not all India people and not all Nigerians are bad people or scammers. However, if you get a random phone call from someone speaking like they are from India and it involves your computer or money (in ANY way at all, please focus on the word "any", there are no exceptions) then you should be VERY suspicious. If they say who they are, then you should be able to look their phone number up and call back. If they give you a number to call back on, when you call the official number, report that number and ask them to verify the number is legitimate or a scam. So if they say they are your bank, then hang up and call your bank from the official bank number.

@Frank Winkhorst no, Agarwal is a very generic last name in India, you would find hundreds of thousands of them

It's scary how a company like this could be established in the first place, are they on the surface or is it underground/illegal to run this sort of business in India?

@Han Lockhart I think most of the victims tend to be older. They might be confused by technology and so they just trust what someone says if they say it with enough authority. It's just a matter of not feeling like you can trust yourself. One of my friends almost got scammed by these things once. And I'm probably an asshole for thinking how funny it was that she (who is not old) almost fell for it, but since she contacted me before anything happened I was able to stop her. The the truth is, she's a bit tech illiterate and doesn't feel confident in understanding computer stuff. So, if other people tell her she needs to do something to her computer, it's easier for her to just believe what they say.

@Han Lockhart lol.. holup

I'd agree with you mostly but I can tell you from helping family and friends mostly family with their computer problems on TeamViewer because I live in another state from them it gets extremely annoying when they start messing with the stuff when I'm trying to fix them something so I can understand cuz I've had to tell my dad multiple times don't touch the mouse

False thinking. Why at first answering the phone and don’t hang up? Second, why giving them acces to your computers it is so easy to avoid this without being a pc guy. Just remember, these companies will never call you, let never ever an unknown person connect to your computer and if you were sleep walking and came that far, then please turn on your brain, at the latest when they tell you to buy giftcards, due to worldwide operation companies are not able to receive wire transfers. I wish nobody a loss by these criminals, but I can not hide my inability of understanding and empathy for the victims.

Idubbbz yuropean voice?

I agree with you, Jim is the best.

Local police forces could use people like this. I got scammed recently and my local police could do nothing.

That’s more because of legal shit than with capability

Gun Nut I don't necessarily mean local police could prosecute; one of the limitations is that this scamming is international and local police forces don't have the resources to tackle international crime. I mean something more like: if the police had the time and ability to monitor scammers and to proactively prevent victims from being scammed, that would be cool. It's possibly pie-in-the-sky thinking.

*S U C C*

What the guy above me said

*REEEE* *IT BE THE C R I N G E L O R D*

These comments are so freaking cringy

Deconstruction of international crime in order to educate would-be victims.

your granddaughter**** not granddad.

Yes. It seems very suspect. I seem to receive about a call every week from scammers even whilst most are blocked so never get through to my phone. So there must be thousands of attempts a day. The seem to catch a few. But there is some security in my back as they will ask for a password before any money is sent. So a scammer can not just black out the screen and send cash out direct.

Look how many years it took after the phone was invented and phone scams got started for it to sink in that you don't give personal details or account information over the phone unless you made the call and know its to that bank or business. One of the things that made that difficult to get through to people that they should not was the fact that they were using phones to do banking and had trouble grasping what was different from them calling in and giving account information to identify themselves and identifying themselves when the 'bank or business' called them. Usually, if asked after the fact why they did not hand up and call the number they usually used to reach the bank and then find out it was not legit. I have worked with the elderly for many years and with many they understand not to give it out over the phone, but now that they type it into a computer they don't grasp that its the same thing - if you don't know who your talking to don'y use your account name or password anywhere or give it out until you check it out. And I don't really know that law enforcement is doing enough - seeing that you have been able to track down a lot of identifying factors once you get something on their system, I have to wonder why law enforcement is not doing the same thing. As of yet there is no law that I know of against listening to people internet conversations without a warrant, and while Law Enforcement can use stings to get prostitutes off the street why can't they do much the same things scambaiters do and just make sure something gets on the scammers system that exposes who they are and where they are operating from. The hard thing is bringing them to justice as I have been told by many that when reports reach many of the district police in India the price is not that exorbitant to get them to look the other way and close the investigation.

Will you ever post it on RU-vid?

If you somehow really believed they had paid you. Why would you not return their money. They were aware the person had fallen for the scam of believing he had their money.

The scammer is possibly trying to get the victim to leave his computer as the transferred amount has come from the victims savings accounts so if the intended victim starts trying to return the fake refund then he may go to the savings accounts and notice a 5 grand chunk of money has left.

monix It smells like.... Curry

I like that thanks to the malware you can hear the chaos on the scammer’s side 😂

ITA. If the U.S. and other countries would give companies incentives to stop hiring legitimate Indian call centers until these criminals have their call centers shut down, their computers and assets confiscated, are made to pay reparations to their victims, and go to prison, then millions of Indian people would be losing their jobs. At that point, it wouldn't matter how corrupt the local or regional Indian police are. The Indian people would turn on these scammers and the Indian government would crack down on that shit b/c they'd be hemorrhaging legitimate jobs b/c of these international criminals. The only way to stop it is by international pressure and that means economic consequences for allowing this to continue. These people rob and bully people. They should be locked up and made to do real work until they've repaid every rupee.

ITA. If the U.S. and other countries would give companies incentives to stop hiring legitimate Indian call centers until these criminals have their call centers shut down, their computers and assets confiscated, are made to pay reparations to their victims, and go to prison, then millions of Indian people would be losing their jobs. At that point, it wouldn't matter how corrupt the local or regional Indian police are. The Indian people would turn on these scammers and the Indian government would crack down on that shit b/c they'd be hemorrhaging legitimate jobs b/c of these international criminals. The only way to stop it is by international pressure and that means economic consequences for allowing this to continue. These people rob and bully people. They should be locked up and made to do real work until they've repaid every rupee.

In India the police are terrible. Literally someone gets murdered and they do nothing about it.

to be honest, just living in India is a prison sentence.

I'd check all my accounts before saying anything, then I'd say hey you took money from one account and put it another and hqng up.

Most people in general are very honest. That’s why these scammers are the lowest of the low. Dishonest scumbags who are willing to rip people off for their life savings taking advantage of human kindness and honesty. Disgusting.

@@mountainview7971 I think you missed part of the scam what they do is they edit the web page itself to show that dollar amount stays the same or let me rephrase that the savings account dollar amount stays the same the checking account actually has the more money in it that way this person can use their debit card to go buy these cards and when they do this when they edit the actual web page they have to keep you from seeing them edit this that's why they use that blanking screen and if you try to refresh the screen so that it reshows the correct amounts they have like a a screenshot screen capture that goes into its place and if you know how to check or if you noticed to check then you're not the person that they're going to try continue scamming

All of this would be solved if someone has mobile banking. Just log in to confirm the balance and you catch them.

But why are these people so incredibly stupid. Scamed once an then "Oh these indian guys again, this time they will give me money back".

@@__Mr.White__, They target older people and people who are otherwise impaired.

@@TheTheninjagummybear Older people and the "otherwise impaired"???? Being older doesn't mean "impaired." They target everyone. I am older, but am not impaired. Not understanding the workings of IT, Google, Windows, Apple and the rest doesn't mean people are impaired, it means that technology has outpaced people's education about the dangers posed by it. If you take your car in to a mechanic because your car is overheating, and he tells you that you need a $400 radiator because it's old and it's losing your antifreeze, you usually trust him to do his job, even though you don't know him, and don't know diddly about radiators. You might be losing antifreeze because you have a hole in your radiator hose. Maybe you just need a $25 hose. So he patches up your radiator hose where you don't see it, installs a new radiator, and you are on your way, not knowing any different. Scams happen all the time because everyone cannot know everything about everything.

@@yellowbird5411, As we age, the risk of mental deterioration rises. Scammers know this and take advantage, because they're vultures.

I wish it was as easy as this to identify a scammer. My local telco outsources their technical support line to India. Their english is somewhat better, however.

If someone calls YOU from india, it's probably a scam. If you call a call center yourself and they're from india, it's probably not.

Probably. I just had 3 months of phone problems and got quite a few genuine calls from people sounding like they were Indian (as part of ongoing diagnoses and for follow-up). Australia is a multi-cultural society. I feel bad when I have to interrogate every Indian-sounding person who calls me. I'm not going to tell them I'll call them back after taking their company ID... Sometimes it takes over twenty minutes to get through to someone from my telco technical department.

fact

No matter the accent, never allow someone to have remote access to your computer and you avoid these kinds of scams entirely.

Why hello skeleton. Nice to see you here.

I may be too emotional but I'm kinda touched right in the feels when he prevents a scam like this. Some people make a difference and it's inspiring.

Firstly can someone explain HOW ON EARTH DID JIM GET THE DAMN SCREEN CAPTURE? HOW DID HE RECORD THIS?

@@therealb888 I think he hacked into that PC they were using somehow with an exploit

Simon Belmundo While that sounds like the most logical explanation let me burst the bubble here, these scammers don't have 1080p monitors. The video is in 1080p. Something is fishy. Anyway I find it very interesting about how Jim managed to do something like this. Also any scammer smart enough to setup a system like this will also probably be watching Jim's videos & will try to disinfect his computer.

@Gun Nut It's common sense. And it's probably a scam..are you so stupid that you believe this shouldn't be questioned? I didn't say don't sell, I said ask questions. Freedom... The US people are far from free....lmao

I guess it depends on where you live, what things cost and what your using the gift cards for. Its not unusual in the area I live in for parents and grandparent to but gift cards for part of and sometimes all of the cost of some Apple product a child or grandchild is asking for. While in Walmart if you asked for a 1000 Google play card they would know right away its unusual and would ask questions - since the google play and steam cards were used so much for this and clerks started catching on and many stepped in when an older person would suddenly step up to but a few hundred dollars worth of cards and that made it hard on the scammers. Since an Apple store sell some pretty expensive things a 1000 gift card is not out of the normand it would not be unusual for Grandpa to but each one of his 5 or 6 grandchildren a high amount gift card. So some guy coming in and saking for that is, at least around here, pretty common and most are not being scammed but really are just buying for the kids. I know scammers went through this whole thing of having you stay online and not talk to anyone because they were leery of the clerks in stores like Walmart of Walgrens or Target started looking out for elderly buying maxed out google play cards in large quantities, and as things went that was a rare thing to happen so they would ask what was going on. Since someone wanting a couple 1000 gift cards is not an unusual request in an Apple store these scammers are on to a good thing. perhaps Apple needs to be made aware of what these scammers are trying to do with their gift cards and have clerks be a bit suspicious.

It's the only way of getting the extra money off the victim. If the scammer wanted to transfer cash out of the victim's bank account he would probably run into security checks, 2FA issues, the victim getting a phone call from a real bank customer service rep etc. and it would just become impossible. At that point you get nowhere because any victim with the IQ of a baked potato would smell a rat. Oh, and I'm pretty sure Apple gift cards are region locked and US-ones wouldn't work in India. So what's the point in the first place?

@@clarissamcpigeon7857 Apparently these people in India have help from people in the US. I watched a short documentary on these people, and the authorities made arrests in India, but also in the USA. What they spend the gift cards on I don't know, or perhaps they buy Apple products to then sell. Unfortunately most people who fall for these scams are elderly, and sometimes suffer from dementia, others just don't want to get into trouble, and go along with it because they fear getting into trouble. These scammers are ruthless! The first 6 months of 2018..they scammed people in the UK of over 500 million pounds, just imagine how much they are stealing from people in the US! 5-6 x the population.

@@clarissamcpigeon7857 they sell them online for slightly cheaper than their face value.

no life is "small" or less valuable than other

@@Petar321_GT I meant his efforts. Guess that came out wrong.

@@MRJMXHD not a big deal, i am just pointing out. And i agree. This guy is a hero.

@@Petar321_GT 👏👏

Too bad there are no Swedish scambaiters. ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-doZ-Wmgrkfs.html

@@Mario583a There are. But they were more common a few years ago. A few years ago I could sometimes get up to 3 calls a week.

Ey my boi is from Sweden

Yeah you are right but they still scam the people by using Bank ID or something like that. Warning is every in Sweden but sometimes they success because they target the older people!

This is what's confusing to me. Cant they just google "scambaiting" and find these videos?

I think, that this is “old footage” from a past experience. I wouldn’t be surprised if the last few videos were all from the same scammers as they sorta have a similar theme. I think Jim probably spends a few days burning the midnight oil and seriously trying to stop or impede the scammers, and continues this for as long as he is able. Afterwards I believe he begins to sort trough the footage and edit it to upload. This would also account for the pattern of upload as well. Plus, I think Jim is smart enough not to announce he has access to the scammer’s system until he doesn’t anymore.

Lots of keeps there.

flammapocea Only if you pay extra. A lot extra. Or at least fail to disable the spyware functions that tell them about your computer.

Holle HOll I know Barclays have a remote access tool for their business customers, if you use Barclays.net, so it's not necessarily always a scam

@@johnfrancisdoe1563 Nope, Windows 10 actually has legitimate tech support for free

Yes, replies above are correct. I called Microsoft to repair an issue with my Windows 10 registration and the Microsoft support assistant used remote access to fix it. It was perfectly fine. Although it's a good rule of thumb to never let someone else have remote access

Of course there are legitmate companies using remote access tools. Btw he said "for no reason", meaning you didn't request it. You have to be really dumb if you give remote access to some stranger on phone (and if don't know what the software you're downloading does, then don't download just because they said so) who either called you, or you called him because you got his number on a fake popup.

But to claim falsely you are a government agent would also be a con. Maybe a good con to prevent victimisation but it could still lead to unwanted problems such as impersonating a Police Officer. So honesty is likly the best policy. You could simply call yourself a real business name such as 'Victim Support'. Therefore representing yourself rather than running the risks of being caught as a scammer of provider of false identification. Any false identification could result in charges of identity fraud if any financial support is requested based on a service provided whilst falsly pretending to be some one else or a government agent.

these scams mostly take advantage of old people who don't know any better, to them it makes perfect sense.

They prey on the weak and vulnerable.

I mean, I was at work yesterday, had a woman come in and she said she has to buy $750 in Amazon gift cards to get "a dog out of quarantine at the airport". I asked her if it was her dog, she said no, but the picture was of some rare species of dog as a puppy. I told her it was probably a scam, but she still went and bought the cards. Even though I told her that it's extremely suspicious to require gift cards as payment. The scammers will later go into a gift card exchange shop and still get about 80% of the money left on the card back, so they make a good chunk of change for doing basically nothing.

@@admiralobvious this should be bumped up. This example happened quite often. They request western union or gift cards to pay for the non existent animal and then the say a bigger crate is needed or they need water and food. The desperation for a good deal completely blinds people.

+Kayla cuey Hmm not sure if I follow how that scam works. Surely the people know if their own dog is in quarantine.

Yes, Jim logged the password and gave it to Bill.

@@BigDaz Glad to hear it. That was worrying me too.

ole88bluegmc or just buy a windows unlock key (usb tool)

Wait how does he get this video if it’s a real victim??

@@clayjens Oh man that's cool

But if Facebook teaches people how to be safe on the internet they will lose all their customers.

+Catlord True. The logical end of such a move would lead to users inputting less personal data onto their accounts, thereby resulting in much less traffic overall.

Strangely enough I've shared this video on Facebook to raise awareness of this scam, it's the easiest way to do it.

Well, I can tell you, during my years with SAIC/DHS, I have no social media. Had to even shut my LinkedIn account down because every time someone tried to friend me (especially from the Middle East) within twenty minutes I would have a profile hit from DOD, DHS, or one of the armed forces branches!! Not a good thing.

Next time, ask them whats up the chain. The obvious question then is: What chain? And then you answer: The chain i dragged you trough the mud, that one.

Point Curation you're lucky!

@@notaplic8158 I listened to a scammer call recently and the Indian was pretending to be from the IRS. The baiter "victim' said, Well, if I owe that money I'll go right now and pay it at the local IRS office. The scammer was screaming, No, no. You must get Walmart gift cards! (okayyyyy)

Haha

The bestets notifications!

RU-vid scam. You click the bell and youtube scams you by suggesting videos from 10 years ago.

I wondered that too. I think they could just transfer all his money into their bank account. But then it would be easily traceable and they would be found by the authorities - as well as being guilty of multiple criminal offenses. The gift cards are a way to launder the money and make it look like it came from a legit source - and possibly not breaking any laws in the process.

I'm late to the party, but usually transactions WITHIN the account don't need an extra confirmation, whereas outbound transactions need TAN or something.

With my (German) bank, I am using ChipTan which would require you access to my physical card. It works by receiving a small device where I insert my bank card. On the online banking screen, the last step before actually doing the transaction, will be a so-called flickercode displayed. Then I hold the small device with my physical card inserted onto the screen and 5 infrared sensors "read" the flickercode off of my PC screen. This 2-way authenticiation makes it impossible here to simply transfer outside of my bank account, online transfering within my account. en.wikipedia.org/wiki/Transaction_authentication_number Scroll down to the "TAN GENERATOR" section and that's how it works for me. Without access of my bank card, nothing will happen and thus remote transfers are not possible.

Because you can’t just transfer money to random bank accounts... go try it lmao 😂

I recommend Kitboga if you want a laugh he baits the scammer but it’s so funny

Yes, I'll be sure to rewatch your video "How to make a stealthy Virtual Machine" & I'm also using a volatile host, in the unlikely event they gain access to it I can simply nuke both. I've decided not to use Hyper-v though. What do you think of Oracle's VirtualBox?

@@JimBrowning And, with VM's go, these guys are getting wiser as to detection of VM's and hardware. Need to go in (as you suggested) and rename components of your VM; unless you just want to play the game and make them look like idiots?!!