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Fighting Internet Auction Fraud

Fighting Internet Auction Fraud

By Ulf Wolf

Cybercrime is up again for 2007. Hardly news, of course; it is no secret that this plague is spreading farther and deeper by the hour.

And here's another unsurprising piece of news: at the head of the pack, same as last year: Internet Auction Fraud.

The FBI Numbers

The Internet Crime Complaint Center (IC3), a partnership between the FBI and the National White Collar Crime Center (NWC3), recently released its 2007 figures on cybercrime complaints received and referred to law enforcement.

Again, the numbers showed that Internet Auction Fraud was by far the most reported offense in 2007, comprising at it did 35.7% of all complaints. In addition, during the same period, the non-delivery of merchandise and/or payment from non-auction internet transactions represented another 24.9%, pegging the combined total of on-line sales related fraud complaints at 60.6% of all Internet fraud.

Internet Auction Fraud

What far too many users fail to realize is that when something is purchased via an Internet auction, it is not bought from the auction house (say eBay, or Yahoo) but from an individual or company. The auction site-acting as a go-between-merely provides a forum where individuals can trade with one another, and it usually adopts-and prominently displays-a firm policy of washing their hands of legal responsibility for any loss suffered from using their service.

Once the bidding has concluded the payment for and delivery of the goods bought and sold is negotiated between the purchaser and seller. If the item is not delivered after it is paid for or is not what was represented on the auction site, the auction house will not refund any money. It is up to the buyer to approach the seller to negotiate a fair and proper settlement.

The statutory warranties that normally cover trade do not cover goods bought at on-line auction. The seller's only obligation is to give clear title.

Therefore, keep the following in mind when dealing with on-line auctions, or whenever you buy anything online, especially from a private party:

• Understand how the auction works, what your obligations are as a buyer, and what the seller's obligations are before you bid;
• Find out what actions the auction house will take if a problem occurs, and consider insuring the transaction and shipment;
• Be aware that if a problem does occur with an auction transaction, it will be more difficult to resolve if the seller is located outside the United States-laws can differ widely country to country;
• Learn as much as possible about the seller, especially if the only information you have is an e-mail address;
• Before you make a payment for an auction purchase, you should verify the seller's identity and contact details in case there is a problem with the delivery of the item;
• Ask the seller when delivery can be expected and whether the merchandise is covered by warranty if you need to exchange it;
• Use registered or certified mail to enable tracing; this will eliminate claims that the parcel was sent but must have been "lost in the mail;"
• Check that the auction account information matches email, phone number and any bank account and location information;
• Use auction house feedback forums to check out the seller's history before agreeing to pay any money. Please note however, that sellers sometimes post positive feedback on themselves or organize other people to do so on their behalf.

And here is the most important advice of all:

• If you have any doubts about the integrity of an on-line auction seller-and even if you're not: use an escrow agent. An escrow agent or company is an independent third party which holds payment in trust until the buyer receives and accepts the item from the seller. While this service does incur a fee, it protects the buyer because the third party will hold the money until the goods have been received in good condition, inspected, and accepted; and only then released to the seller.

Internet Escrow

The principle and process of Internet escrow is the same as with buying and selling real estate-where, of course, the escrow company is deemed indispensible due to the amounts involved.

• The buyer or seller opens an account with the online escrow company;
• The prospective buyer of an item sends payment by wire transfer, check or credit card to the escrow company;
• The escrow company verifies that the funds indeed do exist, or that the buyer is who he represents himself to be and is in possession of the credit card used;
• Once this checks out, the escrow company asks the seller to ship the merchandise;
• Merchandise is shipped, and seller submits tracking information;
• Once the shipping site shows the merchandise as delivered the escrow company double checks to ensure the buyer has the goods in hand;
• The buyer now has an agreed-upon amount of time to either accept the goods or return it to the seller;
• Once accepted by the buyer, the escrow company releases the funds to the seller, less any processing fees and commissions.

Straightforward enough. If, that is, you are dealing with a legitimate online escrow company.

Fighting the Fighter

But the world, as we know, likes to throw us curves; and in this instance in the curve comes in the guise of escrow fraud.

Handling, as it does, substantial amounts of money, the escrow company is often itself a target of fraud-where look-alike phishing sites try to con you into using them rather than the bona fide site; and the escrow company concept itself is also flagrantly abused by criminals who set up fraudulent escrow sites where money will only travel one-way: you guessed it, away from you.

In fact, the problem of fake on-line escrow sites is so substantial that some reputable and legitimate escrow sites have simply thrown in the towel.

Buyer Guardian, for example, recently shut its doors due to Internet fraud stealing their business, and posted the following note on their site: "We are sad to report that after careful and lengthy consideration we have made the decision to cease operations at BuyerGuardian.com. This is a very difficult decision, and one that is made primarily due to the rapid growth of online escrow fraud."

Many of these apparently bona fide escrow companies, established for the sole purpose of enriching the criminal, are set up off-shore-predominantly in Russia or China-where lax cyber crime laws (and sometimes questionable cooperation with U.S. Authorities) makes it more difficult to shut the sites down and bring the perpetrators to justice.

Enter: Escrow.com

Actually, Escrow.com entered this fray nearly ten years ago during the dot-com boom and has over the years shown itself to be the online escrow company to turn to for secure and fraud-less auction and other online sales/purchase transactions-with the credentials and staying power to prove it.

Licensed by the state of California-as well as by the States of Idaho and Arizona, who require separate licenses-Escrow.com is the only on-line escrow company credentialed to serve every state of the Union, and who indeed does so 24/7.

While Escrow.com will handle transactions of any size, it may not make financial sense to turn to them for low cost items since their transaction fee is $25, and their commission is $63 per $1,000 value of the transaction if payment is by credit card and $32.50 per $1,000 for wire transfers.

But, if you value your sleep, Escrow.com would be indispensible for any transaction of $250 on up.

Peace of Mind

Michigan-based telecomclassifiedads.com, which buys and sells expensive telecommunication switching equipment concurs, would not, according to Mickey Fivenson, complete any online transactions without Escrow.com.

"I use Escrow.com for all my equipment transactions, and without them I would not be in business. It's as simple as that.

"I deal with buyers and sellers on a daily basis who do not know each other and who live in different parts of the world. Escrow.com is the only way I can complete a transaction between them.

"As a result, after five years of doing business through Escrow.com I have never had anything but satisfied customers."

Dave Kurko of RPM Auto Wholesale in Pleasant Hill, CA could not agree more:

"Escrow.com provides a safety net for both seller and buyer, delivering certainty in an uncertain world.

"Most people understand the concept of escrow, particularly if they have bought and sold real estate in a jurisdiction that uses an escrow company rather than an attorney to settle a real estate transaction; in fact, we have modeled our transaction on the real estate transaction. Escrow.com has made this approach not only possible but also very effective.

"They are also very customer centric, and thanks to their tech support we have been able to integrate opening an escrow account with them into our own web-hosted application, allowing our CRM software to talk directly to their database over a secure link.

"Really, they're the only game in town. We've searched other companies, and nobody else measures up."

Escrow.com-The Detective

While Escrow.com is gaining increasing recognition as the Internet escrow company to turn to for peace of e-commerce mind, their staff, on a daily basis, also hunt and diligently work to shut down fraudulent impostors, which are encountered daily.

And they spring up like mushrooms, these impostors: there are days that Escrow.com staff discovers as many as ten new such sites.

A couple of clever fraud specimens can be found (if they are still up at time of print) at safe-wayonline.com and escrow-holdings.net, both of which have been confirmed as unlawful. You certainly cannot fault these criminals for lack of professional design.

The good news is that as these sites are tracked down, authorities are alerted and the sites are soon off the air.

eBay Weighs In

To quote the biggest auction site of them all, eBay:

Pay safely - beware of fake escrow services when you consider using them to pay for your eBay item.

For eBay transactions, you should use eBay's only approved Escrow Company: Escrow.com.

To avoid being deceived by fraudulent email from a fake escrow service, you should visit the escrow service's Web site to verify information you received via email.

Make sure you type the entire Web address (for example, www.escrow.com) into your Web browser. Don't let your Web browser auto-complete the Web address for you. It could mistakenly auto-complete a fraudulent Web address.

Learn more about escrow: http://pages.ebay.com/help/confidence/payment-escrow.html

Escrow.com-The Household Name

More importantly, however, as Escrow.com gains further and further recognition on its way to become a household name, it gets harder and harder for impostors to defraud the public for the excellent reason that they are not Escrow.com-the only name you know you can trust.

Here's to peace of mind and a good night's sleep.

Coeur d'Alene, Idaho-based Ulf Wolf writes about cybercrime for Words & Images (ulf@words-images.com)

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