Zelle Scammer Transcript

Here is a transcript of a scammer trying to get US citizens Zelle address from IP:206.204.41.132 which gives the following IP data:

Conversation started on Thursday, November 21 2024, 05:28

================================================================

 

[05:28] V1732166867901409 : Hey there! So, I'm looking to make a crypto investment. New York life can be a bit wild, and this whole crypto thing is honestly pretty overwhelming. I was hoping you could help a fellow out. Any chance you're game for that? 🌟

[05:28] sircles.net has joined the conversation.

[05:28] sircles.net : Hello! It's great to connect with you. I understand that navigating the world of crypto can be overwhelming. However, I must advise you to be cautious about investing in crypto trading robots or any get-rich-quick schemes. There is no reliable auto-trading robot that guarantees success. 

 

If you have any specific questions or need more information, feel free to ask! How did you hear about trading robots?

[08:44] sircles.net has left the conversation.

[08:44] sircles.net : Crypto markets are already pretty inflated. Have you not thought about S&P500 or similar?

[08:45] V1732166867901409 : Oh, I've heard about the S&P500, but honestly, I'm really just set on exploring the crypto world for now. It's where my gut is telling me to look, you know? 😅 Any chance you could help me out with that?

[08:46] sircles.net : Guts doin't give reliable financial incentives like the S&P500 which will continue to grow at a great rate and your local financial advisor can get you set up with for a nice relaxing time. Crypto can crash and there are no dividends

[08:47] V1732166867901409 : Totally get where you're coming from. The crypto world is a rollercoaster for sure, but I'm still curious to dive in. Sometimes a little adventure is what I'm after! 🤷‍♀️  Would you be able to help me with that setup?

[08:49] sircles.net : There are two ways to get involved - investment by buying where you might make an increase but it is dangerous compared to a solid US investment. Speculation (trading) is something you will have to read up on as it is risky and complex. Do not sign-up with any products like Immediate *** or Finance Phantom or any of the other scams we mention on the blog.

[08:50] V1732166867901409 : Yeah, I've been doing some reading and it all feels like a different language to me. I'm not too keen on signing up with any platforms or accounts though, it's such a hassle. Do you think you could help me invest directly? I've got the funds ready to roll through Zelle! 😊

[09:13] sircles.net : I haven't received any of your details yet such as email etc.

[09:15] sircles.net : Are you at hostroyale.com?

[09:16] V1732166867901409 : No worries! I can send the funds through Zelle. Just let me know your email or phone number linked to Zelle, and I’ll handle it from there. 🙌

[09:20] sircles.net : You want to send us the funds?

[09:21] V1732166867901409 : Yeah, for sure! I can send the funds over to you through Zelle, and you can help me get started with the crypto investment. Just need your email or phone number linked to your Zelle account, and we're good to go! 😊

[09:26] sircles.net : Sure, what do you need?

[09:27] V1732166867901409 : I just need the email or phone number associated with your Zelle account, and your name would be helpful too. Once I have one of those, I can confirm it with you and get the funds sent over. Thanks! 😊

[09:27] sircles.net : Is Zelle all you have?

[09:28] V1732166867901409 : Yeah, Zelle's what I've got set up and ready to go. Keeps things simple for me. 😊

[09:28] sircles.net : Ok what's you Zelle address or number?

[09:29] V1732166867901409 : Ah, I'm not set up to receive funds myself, just to send them. So, I just need your details to get this rolling! 😅 Could you share your Zelle email or phone number?

[09:30] sircles.net : But it's YOUR money. We don't want to accept money we cannot return.

[09:30] V1732166867901409 : I totally get that. It's just easier for me to send through Zelle directly. If you could share your Zelle info, that'd be awesome. Just trying to keep it simple on my end! 😊

[09:31] sircles.net : Totally get that. But you need to get rigged to receive for this to work.

[09:31] V1732166867901409 : I appreciate that! But honestly, setting up to receive is a bit of a hassle for me right now. I promise I'll just need your Zelle info to send things over. 🙏

[09:35] sircles.net : OK I haven't even got your name

[09:36] V1732166867901409 : Sure thing! My name's Melina Warren. 😊 And what's the Zelle info I can use to send the funds?

[09:37] sircles.net : OK Melina, which state are you in?

[09:37] V1732166867901409 : I'm in New York. 🗽 Just trying to get this crypto journey started from here!

[09:42] sircles.net : OK Melina, do you have some form of proof you are old enough to buy or invest/trade in Cryptos?

[09:42] V1732166867901409 : I get where you're coming from, but I'm not really set up to share personal documents or anything like that online. Just trying to keep it simple and trust the process! 😊 Can we move ahead with the Zelle details?

[09:43] sircles.net : We have to have your proof of ID first or we could be incarcerated for buying on behalf of a minor

[09:44] V1732166867901409 : I totally get the concern, but I'm really not able to send over personal documents or IDs online. It's just how I keep things safe on my end. If you’re comfortable, we can still move forward with your Zelle info. 😊

[09:44] sircles.net : Sure you can. Just attach it to your message with the paperclip icon below

[09:45] V1732166867901409 : I appreciate the suggestion, but I prefer to keep my sensitive information private and secure. If you're able to help, I can send the funds through Zelle without any issues. Let me know! 😊

[09:46] sircles.net : Your money is more sensitive than even your ID at this stage. You need to confirm who you are so we can be sure you can have your money returned 😊

[09:47] V1732166867901409 : I appreciate the concern, but I'm sticking to my policy of not sharing personal documents online. I assure you, my intention is just to get this crypto investment rolling through Zelle. If you're up for it, let's keep it moving. 😊

[09:48] sircles.net : To invest, you need to take ownership, which means the seller has to know who is investing 😉

[09:49] V1732166867901409 : I totally hear you, but I'm just not comfortable sharing personal documents online. I'm hoping to keep things straightforward by sending the funds through Zelle. If you're still up for helping me out, I'd really appreciate it! 😊

[09:49] sircles.net : Sure we can help you out

[09:50] V1732166867901409 : Awesome! Just let me know your Zelle email or phone number, and I'll get the funds sent over to you. Thanks a bunch! 😊

[09:54] sircles.net : Did you have any preference for whether you want to trade or invest? Can you let us know what Zelle address you are sending from?

[09:55] V1732166867901409 : I'm more interested in investing rather than trading for now. It's all about playing the long game, you know? As for my Zelle, I'm not set up to receive funds, just send them your way. Just need your Zelle email or phone number to send the funds! 😊

[09:56] sircles.net : Can you set up Zelle in just one direction? Ours just works through our bank account based on the email address. What email are you sending from?

[09:56] V1732166867901409 : Yeah, I mainly use Zelle to send money out, and it's linked up through my bank. I can't provide my personal email used for Zelle, but rest assured, the payment will come through smoothly from my end. Just need your details to get things moving! 😊

[09:57] sircles.net : We'll see it anyway when you send

[09:57] V1732166867901409 : Totally, you'll see it once I send it your way. Just need your Zelle email or phone to kick things off! 😊

[10:01] sircles.net : So why can't you send it now?

[10:01] V1732166867901409 : I can absolutely send it! Just waiting on your Zelle email or phone number to make sure it goes to the right place. Let me know, and I'll get it sent! 😊

[10:11] sircles.net : If you want us to accept money without any verification, we need you to confirm you understand that this means we cannot necessarily refund you. Can you send us an email to [email protected] confirming this please.

[10:12] V1732166867901409 : I get that, but I'm keeping things straightforward and would rather not send emails. I trust you to help me out with the crypto investment. Sending through Zelle keeps it simple. Just let me know your details when you're ready! 😊

[10:12] sircles.net : You can't send an email?

[10:13] sircles.net : That's pretty simple

[10:13] V1732166867901409 : I totally get that it's simple, but I'm sticking with handling everything through chat here. If you're still down to help me invest, just drop your Zelle info and I'll send the funds your way. Thanks for understanding! 😊

[10:13] sircles.net : Just use a different account from your zelle

[10:14] V1732166867901409 : I appreciate the suggestion, but I'm set on keeping it simple and secure using Zelle. If you can provide your Zelle email or phone number, I'll send the funds right over. Thanks for rolling with it! 😊

[10:14] sircles.net : it's more simple than Zelle, it's just an email. Just explain that you understand the risk you are taking.

[10:15] V1732166867901409 : I hear you, but I'm really keeping everything tied to just using Zelle. It's where I'm comfortable. If you can share your Zelle email or phone number, I'm all set to send the funds your way and get this investment going. 😊

[10:15] sircles.net : We have to be comfortable too don't we?

[10:16] V1732166867901409 : Absolutely, and I totally respect that! I'm just trying to keep my end simple with Zelle. If you're okay with it, I'd appreciate the help. If not, no worries at all. Thanks for chatting! 😊

[10:17] sircles.net : Sure we can help in anyway you need, but sending our financial info to someone that refuses to ID themselves is too much to ask

[10:18] V1732166867901409 : I totally understand where you're coming from. Appreciate you taking the time to chat! 😊

[10:18] sircles.net : You're so welcome!  😍

[10:19] V1732166867901409 : Cheers! Take care and have an awesome day! 😊

 

Q&A

If they send money, all they can do is reverse it.

Top of Page

If someone sends you money through Zelle and you don’t send any back, here’s what could happen:

1. Reversal Is Unlikely:
   Zelle transactions are typically instant and irreversible once completed. If the sender initiates the transfer legitimately (not using stolen funds or a compromised account), they can’t reverse the transaction without your cooperation. Zelle is designed for person-to-person payments between trusted parties, not for goods or services where disputes might arise.

2. Fraudulent Funds Risk:
   If the sender uses stolen funds or a hacked account to send you money, the bank involved may reverse the transaction later. This could leave you in a tricky position if you’ve already used or withdrawn the funds.

3. Claim of Mistake:
   Scammers might contact you later, claiming they "accidentally" sent the money and request you return it. This is a common scam: the initial payment is made with stolen or fraudulent funds, and once you "refund" them, you’re out of pocket when the bank reverses the original transfer.

4. No Legal Action for Keeping Legitimate Funds:
   If the funds were legitimately sent and you haven’t agreed to return them, the sender can’t legally force you to send the money back. However, if they claim fraud (even falsely), this could trigger an investigation.

What to Do If You Receive Money Unexpectedly:

• Contact Your Bank: Inform them about the situation. They can help you determine whether the payment was legitimate or fraudulent.
• Don’t Use the Money: Keep the funds untouched until you’re sure they won’t be reversed. If the money is fraudulent, using it could make you liable for repayment.
• Don’t Engage with the Sender: If it’s a scam, any response could make you a bigger target.

In short, if the funds were sent legitimately, you are under no obligation to return them. But if the funds are fraudulent, you might face complications. Always exercise caution and involve your bank if anything seems suspicious.

So what is their incentive?

Top of Page

They are telling me they want help buying crypto.

The incentive for the scammer in this case is likely tied to manipulation tactics designed to get you to send them money, even though it seems like they are sending money to you initially. Here's how scams like this usually work:

Common Scenarios and the Scammer's Incentive

1. Fake Overpayment or "Mistaken" Payment:

   • How it works: They might "send" you money via Zelle (often from a stolen account) and later claim they overpaid you or made a mistake. They then ask for the excess to be refunded.
   • The catch: The money they sent was fraudulent, and once the bank discovers it, the funds will be reversed from your account. Any money you sent back comes directly out of your pocket.

2. Manipulating You to "Help Them Invest":

   • How it works: They send you money and ask you to "help" them purchase cryptocurrency using your accounts.
   • The catch: Once you buy the crypto and send it to their wallet, you’re out of money. They will ghost you, and you’ll have no way to recover the crypto.

3. Gaining Access to Your Accounts:

   • How it works: By pretending to need your help, they ask for your email or phone number (linked to Zelle) to “send money.” They might then attempt to impersonate you to Zelle, your bank, or other services to gain control of your accounts.
   • The catch: Once they gain access, they could drain your funds or commit fraud in your name.

4. Money Laundering:

   • How it works: They send you money and ask you to purchase cryptocurrency or transfer it elsewhere.
   • The catch: You’re being used as a "mule" to launder stolen or illicit funds. If authorities track this, you could face legal scrutiny for unknowingly participating in money laundering.

The End Goal

The scammer’s goal is typically to:

• Get you to send them real money or cryptocurrency.
• Use your accounts to facilitate fraud.
• Exploit your trust and lack of familiarity with the system.

Red Flags

• They want to involve you in cryptocurrency, a space rife with scams.
• They need your Zelle information even though they should already know how to send funds.
• They seem overly casual and pushy, creating urgency to lower your guard.

What Should You Do?

• Do not share your email or phone number linked to Zelle.
• Don’t agree to purchase crypto for them or use your accounts for transfers.
• Contact your bank immediately if funds are deposited into your account unexpectedly.
• If this is unsolicited, block and report the sender.

Their "kindness" or offer of sending money is a bait to draw you into a scam. Trust your instincts—this is highly suspicious.

IP is: 206.204.41.132

Top of Page

English is definitely their first language from their conversation

This detailed IP information reveals several red flags that strongly suggest the individual behind the communication is engaging in a scam or fraudulent activity:

Key Observations From the IP Details

1. Hosting Provider (Not Residential):
   The IP is linked to a hosting provider (HostRoyale Technologies Pvt Ltd) rather than a residential or business ISP. This often indicates a VPN, proxy, or rented server, commonly used by scammers to mask their actual location.

2. Location Mismatch:
   The IP is registered to a hosting company in Delaware, USA, but the abuse address is in Israel. This geographic mismatch is another sign of obfuscation.

3. Legitimate Use Unlikely:
   If this person were legitimate, their IP would most likely point to a standard ISP or mobile network, not a hosting service. Hosting services are designed for websites, servers, or proxies—not personal use.

4. No Anonymity Flags but Hosting Use:
   While the IP isn’t flagged as a VPN or proxy, the fact it’s tied to hosting services means it’s likely used to obscure identity. Scammers often use such services to remain anonymous while appearing legitimate.

5. Abuse Contact Information:
   The abuse address is for reporting issues tied to the hosting service's IP blocks. If this person engages in fraudulent activity, this is where complaints would be directed.

Why Identifying Them Might Be Difficult

• The IP is likely a rented server: Even if you report the IP, it won’t directly identify the scammer. It will only lead back to the hosting provider (HostRoyale), which may have little information about the actual user.
• Scammers often use fake identities when renting hosting services, making it harder to track them down.
• Geolocation is unreliable: The IP location being in Delaware doesn't necessarily mean they are in the U.S.; they could be operating from anywhere while using the hosting provider.

What You Should Do

1. Do Not Engage Further:

   • Block the sender and avoid any more communication.
   • Responding only encourages them to persist.

2. Report the IP Abuse:

   • You can report the suspicious activity to HostRoyale Technologies Pvt Ltd via the provided abuse email: [email protected].
   • Include details about the scam attempt and the communication you received.

3. Alert Relevant Platforms:

   • If Zelle or cryptocurrency exchanges are mentioned, report the incident to them.
   • File a complaint with the Federal Trade Commission (FTC) or the Internet Crime Complaint Center (IC3) if you're in the U.S.

4. Stay Vigilant:

   • Avoid sharing any personal or financial details.
   • Monitor your accounts for unusual activity if you've already interacted with them.

While it’s unlikely you’ll track down the scammer directly, reporting the incident can help disrupt their activities and protect others.

If you can send with Zelle, can you also receive?

Top of Page

Yes, if you can send money using Zelle, you are also capable of receiving money through the same account. However, there are important details to understand:

How Sending and Receiving with Zelle Works

1. Linked Bank Account:
   Zelle operates through your bank account, which is linked to your email address or phone number. Both sending and receiving require this linkage.

2. Sending Money:

   • To send money, you input the recipient’s email or phone number linked to their Zelle account. The money is transferred directly to their bank account.
   • The sender must authorize the transaction, so no one can "force" you to send money.

3. Receiving Money:

   • If someone has your email or phone number linked to Zelle, they can send you money without requiring your explicit approval (once you’ve linked your Zelle to a bank account).
   • The funds are typically deposited directly into your bank account, and you’ll receive a notification.

Risks of Sharing Your Zelle Information

Sharing your Zelle-linked email or phone number with an unknown or untrusted person carries risks:

1. Scams: They might use social engineering or phishing tactics to pressure or trick you into sending money back after receiving funds.
2. Fraudulent Payments: If they send you money from a stolen or compromised account, your bank could reverse the payment, leaving you liable.
3. Identity Theft: Your email or phone number could be used as part of a broader identity theft scheme.

Key Considerations

• Sending money doesn’t give them the ability to withdraw from your account. Zelle does not allow incoming funds to be automatically "reversed" by the sender. However, your account could be targeted in other ways (e.g., phishing or fraud).
• If you’re dealing with someone suspicious, it’s best not to share any Zelle information, as they could misuse it.

In short: Yes, if you can send money via Zelle, you can also receive it, but sharing your information should only be done with trusted individuals. If this interaction seems questionable, avoid proceeding.

So They Are Targeting a US citizen?

Top of Page

It’s likely this person is targeting U.S. citizens (or at least individuals with U.S. bank accounts) because Zelle is a payment service that primarily operates within the United States. Here’s why:

Why U.S. Citizens Are Likely the Target

1. Zelle is U.S.-Based:
   Zelle is designed for bank-to-bank transfers within the U.S., requiring users to have accounts with participating U.S. banks or credit unions. Non-U.S. residents typically don’t have access to Zelle unless they have a U.S.-based bank account.

2. Geolocation of the IP:
   While the IP points to a hosting service in Delaware, this could be a tactic to appear local and more trustworthy to potential victims within the U.S.

3. Familiarity with U.S. Financial Systems:
   The person demonstrates fluency in English and knowledge of Zelle, suggesting they understand how to appeal to U.S.-based users. They are leveraging a payment platform commonly used in the U.S. to make their request seem ordinary.

4. Banking Constraints:
   Scammers generally target victims within jurisdictions where their schemes are most likely to work. Targeting someone outside the U.S. for a Zelle-related scam would be less effective because:

   • Non-U.S. residents are unlikely to have Zelle accounts.
   • They would have to explain why they’re using a U.S.-only service, raising suspicion.

5. Cryptocurrency Tie-In:
   The scammer’s mention of cryptocurrency is a universal tactic to appeal to victims worldwide, but tying it to Zelle narrows the scope to those who can actually use the service—primarily U.S. residents.

What This Suggests

If you're in the U.S., you’re an ideal target for this type of scam because:

• You likely have access to Zelle.
• The scammer is relying on the trust and familiarity of U.S.-based systems to reduce your suspicion.

If you are not a U.S. citizen, it’s likely they mistakenly assumed you were or are using a scattershot approach, targeting multiple individuals without confirming their eligibility. Scammers often rely on high numbers of attempts, hoping someone will respond.

Do They Need a US Bank Account to Attempt this Scam?

Top of Page

Not necessarily. While having a U.S. bank account would make this scam easier for them to execute, it is not a strict requirement for their scam. Here’s why:

How They Could Operate Without a U.S. Bank Account

1. Using a Stolen or Compromised Account:

   • Scammers often gain access to stolen U.S. bank accounts or Zelle-enabled accounts through phishing, malware, or purchasing credentials on the dark web.
   • They can use these accounts to send you money, making it seem legitimate, while the actual account owner is unaware.

2. Third-Party "Mules":

   • Scammers may use U.S.-based individuals (knowingly or unknowingly) to act as intermediaries, sending money from their accounts in exchange for a small fee or promise of a "cut." These are called money mules.
   • The mule sends money on the scammer’s behalf to make the transaction appear domestic and less suspicious.

3. Renting or Purchasing Bank Accounts:

   • Some scammers "rent" or purchase access to U.S. bank accounts from individuals or criminal networks, allowing them to send money through Zelle without being physically present in the U.S.

4. International Scams Using Zelle:

   • Even if they don't have direct access to Zelle, they may attempt to exploit your access to it. For instance, they might trick you into transferring money or purchasing cryptocurrency that is ultimately sent to their foreign accounts or wallets.

5. Fake Payment Claims:

   • In some scams, they don’t even need a bank account. Instead, they might claim they sent money via Zelle (using fake screenshots or emails), pressuring you to "refund" the nonexistent payment.

If They Do Have a U.S. Bank Account

If they actually control a U.S. bank account, it’s likely:

• A fraudulent account opened using stolen identities or fake documents.
• A legitimate account they gained unauthorized access to.
• An account owned by a willing accomplice in the U.S.

Why This Matters

The scammer’s primary goal is to exploit your trust in Zelle as a secure, U.S.-based service. Whether they have direct access to a U.S. bank account or not, they rely on the appearance of legitimacy to convince you to send money, cryptocurrency, or personal details.

What to Watch For

• If they claim they’ve already sent money via Zelle, ask for proof from your bank before taking any action.
• Be wary of any urgency or pressure to act quickly—they rely on this to prevent you from thinking critically.
• Report suspicious activity to your bank or Zelle immediately.

Do US bank accounts have Sort Codes and IBANs?

Top of Page

No, U.S. bank accounts do not use sort codes or IBANs (International Bank Account Numbers). Instead, the United States uses its own banking identification system:

U.S. Bank Account Identifiers

1. Routing Numbers:

   • U.S. banks use a 9-digit routing number, which identifies the specific bank and branch for domestic transactions.
   • This is primarily used for transactions like direct deposits, wire transfers within the U.S., and ACH payments.

2. Account Numbers:

   • Each bank account has a unique account number. Together with the routing number, it identifies the specific account at the bank.

3. SWIFT Codes:

   • For international transactions, U.S. banks use a SWIFT code (also called a BIC—Bank Identifier Code). This is required to send or receive money internationally.
   • Example: Bank of America’s SWIFT code is BOFAUS3N.

4. No IBANs:

   • Unlike Europe and other regions, U.S. banks do not use the IBAN (International Bank Account Number) system for international transactions.
   • Instead, international wires to U.S. accounts require:
     • The bank’s SWIFT code.
     • The bank account number.
     • The routing number (in some cases).

Comparison to Other Countries

• Sort Codes: These are used in the U.K. and Ireland for domestic banking and consist of 6 digits split into two groups (e.g., 12-34-56). The U.S. has no equivalent but uses routing numbers for similar purposes.
• IBANs: Used in most countries outside the U.S. (especially in Europe) for international transactions. IBANs standardize account numbers across countries, but the U.S. does not participate in this system.

What This Means for Scammers

If someone claims they are using a U.S. bank account and mentions a sort code or IBAN, that’s a red flag—they may not fully understand how U.S. banking works or are trying to confuse you. For legitimate transactions involving U.S. banks:

• Look for a routing number and an account number.
• For international transactions, they’ll use a SWIFT code instead of an IBAN.

SWIFT number and routing numbers are for a specific Bank or Branch

Top of Page

SWIFT Code vs. Routing Number

SWIFT Code (International Use)

• Purpose: Identifies the bank (not the account) for international transactions.
• Applies To: The entire bank or a specific branch, depending on how the bank is set up.
• Format: A SWIFT code is 8 to 11 characters long.
  • Example: BOFAUS3NXXX (Bank of America, general head office in the U.S.).
    • BOFA: Bank code (Bank of America).
    • US: Country code (United States).
    • 3N: Location code (specific branch or the head office).
    • XXX: Optional branch code (if blank, it applies to the main branch).
• Does Not Include: Specific account numbers.

Routing Number (Domestic U.S. Use)

• Purpose: Identifies the specific bank and branch for domestic transactions (e.g., direct deposits, ACH transfers, and wire transfers within the U.S.).
• Applies To: A particular bank or branch in the U.S.
• Format: A 9-digit number.
  • Example: 021000021 (Chase Bank in New York).
• Paired With: Your account number for transactions.
• Does Not Include: Information for international wires.

The Account Number

• Purpose: Uniquely identifies your specific account within the bank.
• Applies To: Only your account.
• Works With:
  • Routing number for domestic transfers.
  • SWIFT code for international transfers.

Key Differences

Practical Summary

• SWIFT Code = Identifies the bank globally (like a universal "sort code").
• Routing Number = Identifies the bank branch domestically.
• Account Number = Your specific bank account, used with either routing or SWIFT codes depending on the transaction type.

If you're sending money:

• Within the U.S.: Use the routing number + account number.
• Internationally: Use the SWIFT code + account number (sometimes the routing number too).

Account Numbers are Similar to Europe

Top of Page

Yes, U.S. account numbers are conceptually similar to those used in Europe and other regions, as they uniquely identify your specific bank account. However, the structure and how they’re used differ slightly:

Similarities Between U.S. and European Account Numbers

1. Purpose:

   • Both are unique identifiers for a specific bank account within a financial institution.
   • Used in combination with another identifier (e.g., a routing number or IBAN) to process payments.

2. Format:

   • Account numbers in both regions vary in length and format depending on the bank.

3. Paired with a Bank Identifier:

   • In Europe, an IBAN includes both the bank identifier and the account number.
   • In the U.S., the routing number serves as the bank identifier, separate from the account number.

Differences

Examples

U.S. Account Number + Routing

• Routing Number: 021000021 (Chase Bank, New York)
• Account Number: 123456789123

European IBAN

• IBAN: GB29NWBK60161331926819
  • GB = Country code (United Kingdom)
  • 29 = Check digits
  • NWBK = Bank code (NatWest Bank)
  • 601613 = Sort code (branch identifier)
  • 31926819 = Account number

In Practice

• In Europe, the IBAN simplifies international payments because it includes the account number, bank identifier, and country code in one format.
• In the U.S., you must separately provide:
  • The routing number (like a European sort code).
  • The account number for the specific account.
  • The SWIFT code for international payments.

So while the account number itself serves a similar role, the U.S. banking system requires additional identifiers for both domestic and international transactions.

They Will not Provide any Proof of ID

Top of Page

If "No ID" claims to be in New York but refuses to provide any proof of their age or location, it is another red flag pointing to this being a scam. Scammers often create vague or unverifiable stories to avoid accountability while keeping you engaged.

Why Refusing Proof is Suspicious

1. Lack of Transparency: If this person is genuinely asking for help, they should have no reason to withhold simple proof of their identity or location.
2. Trust Manipulation: They may be trying to create an emotional or casual bond to lower your defenses without offering real evidence of their legitimacy.
3. Avoiding Traceability: Providing verifiable proof of their identity or location could make it easier for authorities or victims to trace them.

What Should You Do?

1. Cease Communication:

   • If they cannot provide proof of their identity or location, it’s safest to stop engaging with them entirely.
   • Scammers often escalate their tactics once they sense vulnerability or interest.

2. Block Them:

   • Blocking their contact prevents them from continuing to manipulate you or attempt further scams.

3. Report the Incident:

   • If they’ve attempted to obtain personal information or involve you in financial transactions, report it to the relevant platforms (e.g., Zelle or your bank).
   • You can also file a report with the Federal Trade Commission (FTC) or the Internet Crime Complaint Center (IC3).

4. Stay Alert for Emotional Appeals:

   • Scammers often use fake personal stories or emotional tactics to keep you talking. Be wary if they start discussing hardships, needing "trust," or requesting urgent assistance.

Remember

Anyone unwilling to provide basic proof of their identity is likely hiding something. Protect your information and walk away from the interaction—it’s highly unlikely to be legitimate.

Their last message was:

Top of Page

'Awesome! Just let me know your Zelle email or phone number, and I'll get the funds sent over to you. Thanks a bunch! 😊'

This message is a textbook phishing or scam tactic designed to make you feel comfortable sharing your Zelle email or phone number. Here’s why it’s suspicious and what you should do:

Why This Is Likely a Scam

1. Over-Eagerness Without Proof:
   They’re being overly friendly and eager to send money, but they refuse to provide proof of their identity, age, or location. Legitimate individuals wouldn’t hesitate to verify themselves in such a situation.

2. Unsolicited Offer:
   If you didn’t initiate the conversation or relationship, someone offering to send money in this way is almost certainly trying to manipulate you.

3. Focus on Getting Your Zelle Info:

   • While sharing your Zelle email or phone number alone doesn’t let them withdraw funds, it can be misused:
     • They might send fraudulent funds (e.g., from a stolen account) to entangle you in a scam.
     • They could impersonate you or use your details to initiate phishing attacks elsewhere.
   • This is a common method for scammers to exploit trust in Zelle as a secure payment platform.

4. Plausible Next Steps in the Scam:

   • Claiming a problem with the transfer and requesting money back.
   • Sending fake Zelle confirmation emails/screenshots to pressure you into taking action.
   • Using your email/phone number for identity theft or social engineering attempts.

What You Should Do

1. Do Not Share Your Zelle Email or Phone Number:
   Sharing this information makes you vulnerable to scams, even if it seems harmless.

2. Stop Engaging:

   • Block their contact.
   • Cease all communication, as responding further only increases the likelihood of being targeted.

3. Report Their Activity:

   • To Zelle: Inform Zelle of a potential scam involving their platform.
   • To Authorities:
     • In the U.S., report to the FTC (Federal Trade Commission) and IC3 (Internet Crime Complaint Center).
     • If you’ve shared any information, contact your bank to flag your account for suspicious activity.

4. Educate Others:
   Share your experience to help others recognize similar scams.

Final Note

No legitimate person or business would pressure you into sharing sensitive payment details without proving their credibility first. By avoiding any further engagement, you’re protecting yourself from a potential financial or identity theft scam.

We Would Like to Try and Pry More Information

Top of Page

If you’re safe from their specific scam and want to gather more information to potentially report them, here’s how you can carefully interact with them to learn more without putting yourself at risk:

Steps to Pry More Information

1. Ask for a Proof of Payment Intention:

   • "I want to make sure everything is clear—can you send me a screenshot of your Zelle payment page showing the transfer details?"
   • Purpose: Scammers often fake screenshots, but they might reveal more about their tactics or software.

2. Inquire About Their Crypto Plans:

   • "What crypto are you investing in? What platform do you want me to use to purchase it?"
   • Purpose: They may reveal their specific cryptocurrency wallet address or platform preferences, which can help identify their operation.

3. Request Identity Verification:

   • "Can you send me a photo of your ID or some proof of your location? It’s just standard for financial transactions here."
   • Purpose: They may refuse, but any responses could provide useful details.

4. Feign Technical Inexperience:

   • "I’ve never used Zelle before—can you guide me through it? What information do I need to provide?"
   • Purpose: This keeps them talking and may expose their manipulation tactics.

Tips to Stay Safe

• Do Not Share Any Real Information: Use only generic or fake details to continue the conversation.
• Avoid Clicking on Links: Scammers might try to send malicious links to steal your information.
• Do Not Engage Financially: Keep the conversation centered on their claims without offering any resources.

What to Do With the Information

1. Report Them: Once you’ve gathered enough details, report them to relevant authorities or platforms:

   • Hosting Provider: Contact the abuse team of the hosting provider ([email protected] for the IP they’re using).
   • Anti-Scam Websites: Websites like Scamwatch, Fraud.org, or local equivalents can use the information to raise awareness or prevent further harm.
   • Cryptocurrency Platforms: If they provide a wallet address, report it to the exchange or blockchain monitoring services.

2. Share Evidence: Compile screenshots of the conversation and IP details to provide a clear case.

Red Flag Follow-Ups

If they react negatively to your questions or become aggressive, that’s a sign they’re getting frustrated. Scammers often disengage when they feel they’re being outmaneuvered or that their time is being wasted.

When you Receive via Zelle, do you see Sender Email?

Top of Page

Yes, when you receive money through Zelle, you typically see the sender's name and email address (or phone number), depending on how they initiated the payment. Here’s how it works:

Details Visible to the Receiver

1. Sender’s Name:

   • The name attached to the sender's Zelle account is displayed to the recipient.
   • This may not always be their real name, as users can sometimes set up aliases.

2. Email Address or Phone Number:

   • The identifier the sender used to send the payment (email or phone number) is visible to the recipient.

3. Transaction Memo (if provided):

   • If the sender includes a memo (optional), it will also appear.

Why This Matters for Scammers

1. Fake Names:
   Scammers often use fake names and temporary email addresses to hide their true identity. However, their Zelle-linked email or phone number could still provide clues.

2. Tracking Sender Information:

   • If you receive funds (even fraudulently), the sender’s email or phone number can sometimes be traced back to them, providing useful information for law enforcement or reporting.

3. Account Compromise Risk:

   • If a scammer sends money from a hacked Zelle account, the visible email/phone number belongs to the victim of the hack, not the scammer. This can complicate reporting.

Using This to Gather Information

• If the scammer insists they’ll send money, you can agree to "receive" it (knowing you’re outside the U.S. and cannot actually accept Zelle payments). This could prompt them to provide:
  • Their Zelle-linked email or phone number.
  • A fake or stolen Zelle account they’re using, which could be reported.

Why Does a Hosting Company have an Israeli Address in Delaware?

Top of Page

The presence of an Israeli abuse email for a hosting company registered in Delaware likely reflects the global nature of hosting services and the legal or operational structures of the company. Here’s a breakdown of why this could happen:

1. Offshore Operations

• Headquarters in Another Country: The hosting company may be registered in Delaware for business reasons (e.g., tax advantages, legal protections) but actually operates or manages abuse-related issues from Israel.

  • Example: Many international companies register in Delaware due to its business-friendly laws but conduct operations elsewhere.

• Abuse Handling Outsourced: The company might outsource its abuse handling to a team or partner located in Israel.

2. Multi-National Ownership

• The hosting company, HostRoyale Technologies Pvt Ltd, could be part of a larger, multinational organization with subsidiaries or offices in different countries. It’s common for global entities to manage specific operations (e.g., abuse complaints) from a centralized location, even if that’s in a different country.

3. Purchased IP Block

• IP Blocks Reassigned: The hosting provider may have acquired or rented the IP range (206.204.41.0/24) from a previous owner or through a global provider with ties to Israel. Abuse contact details often carry over with the IP block unless explicitly updated.

4. Legal Compliance

• Regional Regulations: The abuse contact might be tied to Israel due to specific legal requirements or because the company wants to centralize abuse-related legal responses in one jurisdiction.

5. Past Operations

• If the company or its founders were previously based in Israel, they may have retained some operational ties there, including handling abuse reports.

What This Suggests About the Scammer

The presence of an Israeli abuse email doesn’t necessarily implicate the company in fraudulent activity, but:

• The IP block and hosting service could be rented by scammers to obscure their real location.
• The Israeli contact may simply be a point of convenience for handling reports, while the company's Delaware registration serves as a business front.

What You Can Do

If you suspect fraudulent activity:

1. Report to the Abuse Email: Email [email protected] with details of the scam, including the IP address and any relevant logs.
2. Check Hosting Reputation: Look into reviews or reports about HostRoyale Technologies Pvt Ltd to see if it has a history of hosting abusive actors.
3. Report to U.S. Authorities: Since the company is registered in Delaware, you can also notify relevant U.S. cybercrime authorities like the IC3 (Internet Crime Complaint Center).

Would you like help drafting a report to the abuse email or authorities?