TikTok的一个新趋势是,人们冒着坐牢的风险来获得“免费现金”,这实际上只是普通的欺诈。
在劳动节周末的大量视频中,社交媒体用户热议“大通银行故障”,认为这是获得免费现金的简单方法。
大通银行(Chase Bank)的一位发言人表示,情况远非如此。
“我们知道这一事件,并已得到解决。无论你在网上看到了什么信息,毋庸置疑,存入欺诈性支票并从账户中提取资金都是欺诈行为。”大通银行的一位发言人在给《财富》杂志的一份声明中说。
它的工作原理是,有人开出一张假支票,然后在自动取款机上存入自己的银行账户。通常在支票兑现之前,银行会设定一段时间,但有些钱很快就能兑现。明知自己开出的支票无法结清,那些试图实现所谓的轻松赚钱的人还是从自动取款机上提取了现金,他们认为银行会接受支票,不会对他们造成任何影响。
然而,对于一些社交媒体用户来说,现实是残酷的,因为大通银行从他们的账户中提取了数千美元,其中一些还附有一张说明,称这是自动取款机出现了故障。无论如何,这些社交媒体用户仍需为这笔钱负责。
昨天,大通银行的系统出现故障,人们可以提取无权提取的资金,这促使该银行对受影响的账户进行了为期7天的冻结。
大通银行的这股风潮只是最新的“快速致富计划”,这个已有数百年历史的概念被社交媒体重新激活,吸引绝望的人们参与金融犯罪。在报税季节,TikTok上的一些网红向人们提供虚假建议,称他们可以通过在国税局的表格上豁免自己来停止纳税(通过非法途径)。另一些人则建议人们通过创建S公司(指符合美国税法中S公司的资格要求,可以享受类似于合伙企业的税务优惠,但是其股东仍然具有有限责任)来避税,而一些人则建议直接进行“薪资保护计划”(PPP,旨在向合格的小企业提供紧急和可宽减贷款)贷款欺诈。
许多金融专家很快谴责了大通银行的故障。康奈尔大学(Cornell)法学院教授丹·阿弗雷(Dan Awrey)在X上写道,这种类型的欺诈并不新鲜。
空头支票套现是指从一家银行存入一张支票,却没有在另一家银行存入必要的资金,然后利用支票被授权的期限提取资金并将其存入第一家银行。
一些网友还开玩笑地将参与这一趋势的人的行为与莱昂纳多·迪卡普里奥在电影《猫鼠游戏》(Catch Me If You Can)中扮演的角色、现实生活中由重刑犯转为安全顾问的小弗兰克·阿巴内尔(Frank Abagnale Jr.)早期实施的支票欺诈行为相提并论。
Rosenblum Law的创始人、律师亚当·H·罗森布鲁姆(Adam H. Rosenblum)告诉《财富》杂志,支票欺诈的法律后果因州和涉案金额而异,但在纽约,处罚可能从6个月到25年监禁不等。
不过,虽然处罚可能很重,但罗森布鲁姆提醒说,那些没有犯罪记录、取款额不到3000美元的人可能更容易获得回转的余地,只要他们把钱放回去并咨询律师。
他说:“通常情况下,如果处理得当,这些后果是可以减轻和最小化的。”(财富中文网)
译者:中慧言-王芳
TikTok的一个新趋势是,人们冒着坐牢的风险来获得“免费现金”,这实际上只是普通的欺诈。
在劳动节周末的大量视频中,社交媒体用户热议“大通银行故障”,认为这是获得免费现金的简单方法。
大通银行(Chase Bank)的一位发言人表示,情况远非如此。
“我们知道这一事件,并已得到解决。无论你在网上看到了什么信息,毋庸置疑,存入欺诈性支票并从账户中提取资金都是欺诈行为。”大通银行的一位发言人在给《财富》杂志的一份声明中说。
它的工作原理是,有人开出一张假支票,然后在自动取款机上存入自己的银行账户。通常在支票兑现之前,银行会设定一段时间,但有些钱很快就能兑现。明知自己开出的支票无法结清,那些试图实现所谓的轻松赚钱的人还是从自动取款机上提取了现金,他们认为银行会接受支票,不会对他们造成任何影响。
然而,对于一些社交媒体用户来说,现实是残酷的,因为大通银行从他们的账户中提取了数千美元,其中一些还附有一张说明,称这是自动取款机出现了故障。无论如何,这些社交媒体用户仍需为这笔钱负责。
昨天,大通银行的系统出现故障,人们可以提取无权提取的资金,这促使该银行对受影响的账户进行了为期7天的冻结。
大通银行的这股风潮只是最新的“快速致富计划”,这个已有数百年历史的概念被社交媒体重新激活,吸引绝望的人们参与金融犯罪。在报税季节,TikTok上的一些网红向人们提供虚假建议,称他们可以通过在国税局的表格上豁免自己来停止纳税(通过非法途径)。另一些人则建议人们通过创建S公司(指符合美国税法中S公司的资格要求,可以享受类似于合伙企业的税务优惠,但是其股东仍然具有有限责任)来避税,而一些人则建议直接进行“薪资保护计划”(PPP,旨在向合格的小企业提供紧急和可宽减贷款)贷款欺诈。
许多金融专家很快谴责了大通银行的故障。康奈尔大学(Cornell)法学院教授丹·阿弗雷(Dan Awrey)在X上写道,这种类型的欺诈并不新鲜。
空头支票套现是指从一家银行存入一张支票,却没有在另一家银行存入必要的资金,然后利用支票被授权的期限提取资金并将其存入第一家银行。
一些网友还开玩笑地将参与这一趋势的人的行为与莱昂纳多·迪卡普里奥在电影《猫鼠游戏》(Catch Me If You Can)中扮演的角色、现实生活中由重刑犯转为安全顾问的小弗兰克·阿巴内尔(Frank Abagnale Jr.)早期实施的支票欺诈行为相提并论。
Rosenblum Law的创始人、律师亚当·H·罗森布鲁姆(Adam H. Rosenblum)告诉《财富》杂志,支票欺诈的法律后果因州和涉案金额而异,但在纽约,处罚可能从6个月到25年监禁不等。
不过,虽然处罚可能很重,但罗森布鲁姆提醒说,那些没有犯罪记录、取款额不到3000美元的人可能更容易获得回转的余地,只要他们把钱放回去并咨询律师。
他说:“通常情况下,如果处理得当,这些后果是可以减轻和最小化的。”(财富中文网)
译者:中慧言-王芳
A new TikTok trend has people risking prison time for a “free money” hack that is really just run-of-the-mill fraud.
In a barrage of videos over Labor Day weekend, social media users were buzzing about the “Chase Bank glitch,” which was supposed to be an easy way to get free cash.
A spokesperson for Chase Bank said that was far from the case.
“We are aware of this incident, and it has been addressed. Regardless of what you see online, depositing a fraudulent check and withdrawing the funds from your account is fraud, plain and simple,” a Chase spokesperson said in a statement to Fortune.
How it works is someone writes a fake check and deposits it in their own bank account at an ATM. Usually there is a period of time instituted by the bank before the check clears, but some of the money becomes available quickly. Those who tried to pull off the supposed easy-money hack withdrew cash from ATMs, knowing the check they wrote wouldn’t clear, with the idea that the bank would just accept it with no repercussions to them.
Yet, reality struck for some social media users after Chase hit their accounts with withdrawals worth thousands of dollars, some with a note that apparently chalked it up to an ATM error. Regardless, the social media users were still on the hook for the money.
Yesterday, a glitch in Chase Bank's system allowed people to withdraw funds they weren’t entitled to, prompting the bank to place 7-day holds on the affected accounts.
The Chase Bank trend is just the latest “get rich quick scheme,” a centuries-old concept that has been resuscitated by social media, drawing desperate people into financial crime. During tax season, several influencers on TikTok falsely advised people that they could stop paying taxes by illegally exempting themselves on an IRS form. Others have suggested people can skirt taxes via the creation of an S-corp, while some have recommended flat out PPP loan fraud.
Many financial experts were quick to denounce the Chase Bank glitch. Dan Awrey, a professor of Cornell Law school wrote on X that this type of fraud is nothing new.
Check kiting involves depositing a check from one bank without the necessary funds at another bank and using the period it takes for a check to be authorized to withdraw the money and deposit it in the first bank.
Some online also jokingly compared the actions of those who participated in the trend to the early check fraud perpetrated by Leonardo DiCaprio’s character and real-life convicted felon turned security consultant Frank Abagnale Jr. in the movie Catch Me If You Can.
The legal repercussions for check fraud can vary by state and the amount of money in question, but in New York the penalty could range between six months and 25 years in prison, Adam H. Rosenblum, an attorney and founder of Rosenblum Law, told Fortune.
Yet, while the penalties could be steep, Rosenblum cautioned that people with clean records and who took out less than $3,000 may be more likely to gain leeway, as long as they put the money back and consult an attorney.
“Very often, these consequences can be mitigated and minimized if things are handled in the right way,” he said.