College students and recent graduates should be wary of a new scam that involves getting a free fake check in the mail for office supplies for their new job.
It's gotten so bad that the FBI has had to issue a warning. If you get a poorly written email message and a check in the mail for office supplies, don't deposit it; just call the police.
This information comes by way of a public-service announcement on the Internet Crime Complaint Center website. The scam is a fairly clever one, going so far as to employ very convincing fake checks. First, a scammer advertises on college employment sites, or obtains student email addresses through recruiting lists. He promises employment to the student or recent grad in question, then sends a sizable check his or her way as money for supplies.
These supplies, naturally, come from a very specific place; the "software" that you're supposed to buy requires the student to get in touch with a third-party vendor and pay via a money-transfer service. The student deposits the check, wires the money and (theoretically) keeps the remainder for him or herself as a paycheck.
The only problem: The check is fraudulent, which means that once the bank gets wise to the scheme, the student has lost a few hundred dollars, as well as potentially taken a hit to his or her credit rating.
Luckily, the scam is pretty easy to spot. The FBI points out that the email messages tend to be poorly written by non-native English speakers, employing phrases like "I will refer you to the vendor you are to purchase them from, okay." Accepting a job in which you get a paycheck before actually doing anything should also raise some red flags, as should an employer asking you to buy materials from a specific third-party vendor before your first day on the job.
The consequences of falling for the scheme could be fairly dire as well. In addition to losing a few hundred dollars (which few starving college grads can afford), students will probably be on the hook for reimbursing the bank — assuming the bank even lets them keep their accounts. Getting a fake check mixed up in their real bank accounts could also give scammers access to their financial information, leaving them wide open for identity theft and further mischief.
If you encounter this scam, the FBI recommends contacting campus security and the FBI’s crime complaint center, but the best defense against it is simply to ignore it. Finding your first post-college job is hard enough without losing your money and identity in the process.