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by miki123211 1664 days ago
There's apparently a similar type of fraud currently popular over here (in Poland). It works like this:

1. You order a product, preferably something expensive and easy to sell. You request delivery to a package locker and payment via standard bank transfer. The site you're ordering from gives you an account number to transfer to, as well as an ID to put in the reference field.

2. You list something at the same price on our local equivalent of Craigslist.

3. When you find a customer, you tell them that you only accept payment via standard bank transfer. You give them the account number and reference ID from step 1. You never ship the offered item.

4. The customer makes the transfer and the item ordered in step 1 is delivered to a locker of your choosing. You can retrieve it and sell it legitimately.

5. When the customer from Craigslist doesn't receive the item they paid for, they go to the police. However, there's nothing linking you to their transaction, the seller of the item in step 1 is the primary suspect, as they're the ones who took their money in the first place. Even if they discover that there was a third person involved, they're usually extremely hard to find, as the footage from any CCTV equipment near the locker will be long gone.

2 comments

Once saw a spate of this, but using Bitcoin and websites like local Bitcoin.

Fraudsters would setup a Cash -> Bitcoin transaction on local Bitcoin. Scam someone else into fulfilling the payment, then run off with the Bitcoin.

Then the victim looses their money, the Bitcoin seller is now in possession of effectively stolen funds. You don’t want to be the seller in this equation because from the banks perspective you look like the fraudster, and it’s likely you have bank accounts closed.

So the shop receives an order from the scammer named Joe but gets a payment from a customer called Bob, wouldn't that raise a flag?
The shop doesn't receive anything except a confirmation that the payment went through.

Those traditional bank transfers are set up by a payment gateway (Przelewy24, DotPay, Payu), which is linked to the marketplace (eBay, Allegro), on which the seller actually operates.

The seller definitely doesn't get your payment info, not sure about the marketplace, but I don't think they do.

Besides, if you live in Poland and opt for payment via traditional, old-style bank transfer, you're probably a very unsophisticated customer. Most likely, you're completely unbanked and will hand over cash to a relative who will make the transfer for you. Most people who own a bank account and have enough tech skills to make a purchase over the internet will use a different payment method.

A naively operating shop will pay zero attention to whom the payment comes from as long as it has a reference ID and amount that matches a real order.

And such payments can also be entirely legitimate, e.g. when Joe is a kid who wants to buy a gaming console and Bob is their father who pays for it.