How reversible is it? I received my first fraud call where the scammers were asking for check payment - they wanted the routing number and check number to get payment (about $400 or so- it was for a “cable refund service”).
I was curious if I could track them down by giving them real info but wasn’t convinced enough about the reversibility of it to risk basically my entire checking account.
They would have transferred the money to another bank account. Then the "money mule" who owns that bank account would have been instructed to wire the money internationally, withdraw cash, buy gift cards, buy cryptocurrency, etc. (hard to reverse or trace transactions). Once the victim reports fraud, the money would have been moved to India, Russia, Ukraine, Nigeria, etc. The cost of the fraud falls on the end victim, or the money mule intermediate. The police might arrest the money mule.
Interestingly enough the amount the scammers “quoted” continually increased as I was on their “recorded line” - it started at $250 or so and kept increasing.
I pretended to be incensed at their lack of integrity, but they just shouted back and eventually resorted to their master insult - calling me a mother fucker. I wish they would come up with some better insults as I’ve been called that exact thing hundreds of times now. Do they teach that at school or something?
I was curious if I could track them down by giving them real info but wasn’t convinced enough about the reversibility of it to risk basically my entire checking account.