Part-time Baby Sitter/Nanny Needed
FTC staff has seen complaints about con artists cheating caregivers with a counterfeit check scheme that asks you to send payment to a third party. Details may vary, but, in general, the scam works like this:
Someone email you saying they want to hire you to care for their child, parent, or even a pet. They often say they live out of state and are moving to your area soon. They may ask you – with a very persuasive story that tugs at your heartstrings – to accept delivery of special items or medical equipment their loved one will need while in your care. They send you a check to deposit and ask you to keep some money as payment for your services and then transfer the rest to a third party – supposedly to pay for the goods.
What’s the problem? The check and the third party turn out to be fake. It takes only a day or two for your bank to make the money available to you, but it can take weeks for your bank to determine a check is phony. If you already withdrew that money, you’re on the hook to pay back the bank. If you’ve already transferred the money to the third party, it’s gone – like sending cash. And, since the recipient can pick up the money from a different money transfer location than the one you sent it to, it’s nearly impossible to find the recipient. That’s how these con artists avoid detection.
So how can you protect yourself? If a potential client urges you to transfer money using a service like Western Union or MoneyGram, it’s probably a scam. Don’t send money to someone you don’t know, either in cash or through a money transfer service. Likewise, don’t deposit a check from someone you don’t know and then transfer the money. No matter how convincing the story, it’s a lie. And, as always, 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.