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Marshalltown police warns of ‘car-wrap’ scam

Capt. Chris Jones

A new variation of the fraudulent check scam has appeared locally on Facebook and other social media outlets, said Capt. Chris Jones of the MPD.

“We received a report from a potential victim late last week” Jones said. “Luckily this fraud was caught before any money had been exchanged.”

The scam works like this: perpetrators place ads on the Internet or send mass emails to attract people looking for extra money. They claim they will pay to shrink-wrap your car with an advertisement of a popular company. All one has to do is drive as one normally would.

The scammers promise to pay a certain amount to “rent” the space on your car, but they send you a check for more than that amount. They tell you to deposit the check, take your share of the money and wire the rest of it to the company that will wrap your car. Weeks after you wire the money, which could be thousands of dollars, you find out the deposited check was fraudulent.

It takes only a few days for your bank to make the money available to you, but it can take weeks for your bank to determine that a check is fraudulent. You are responsible for any check you deposit: when a check turns out to be fraudulent you have to re-pay the bank.

These four tips will help you avoid the problem:

• If someone urges you to wire money, it’s probably a scam. Con artists often insist that people wire money because it’s nearly impossible to reverse the transaction and follow the money.

• Don’t send money to someone you don’t know, either in cash or through a wire transfer service. Consider using a payment option that provides protection.

• Don’t agree to deposit a check from someone you don’t know and then wire money back. No matter how convincing the story, it’s a lie.

• Don’t respond to any messages that ask for your personal or financial information, regardless of whether the message comes as an email, a phone call, a text, or an ad.

• Should you get an offer that requires you to deposit a check and wire money back:

throw it out, delete it and/or ignore it. Legitimate companies don’t pay you by asking you to wire money to them. If you’re tempted to investigate the offer, ask for a check drawn from a local bank or local branch. Then, visit the bank in person, give them the check, but don’t withdraw any funds until your bank tells you the check is valid.

• You can file a complaint about this scam at ftc.gov/complaint.

• To report the incident, telephone MPD at 641-754-5725.

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