138 lines
6.7 KiB
Plaintext
138 lines
6.7 KiB
Plaintext
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_____________ _/_/ | | \ \ _/_/ _____________
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| ___________ _/_/ | | \ \ _/_/ ___________ |
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| | _/_/_____ | | > > _/_/_____ | |
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| | /________/ | | / / /________/ | |
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| | c o m m u n i c a t i o n s | |
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| |________________________________________________________________| |
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|____________________________________________________________________|
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...presents... Bank Fraud
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by White Knight
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>>> a cDc publication.......1991 <<<
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-cDc- CULT OF THE DEAD COW -cDc-
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_____________________________________________________________________________
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This file will not deal with conventional "check-bouncing." There are a
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number of files available on this subject, and it's really all been said
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before. Before we get into the heart of this scam, however, I would like to
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clear up one area that seems to have been neglected or erroneously addressed
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in other checking g-philes.
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Most stores now employ some form of check-verification system; these
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often go by the name "Telecheck" or something similar. Stores employing this
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system will almost never hassle you for a credit card. The device itself looks
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very similar to a credit card verifier (small plastic box with a keypad); these
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however, lack the swipe-slot (obviously). The cashier will enter your SS#
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along with the check data and, if appropriate, Telecheck will issue a
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verification code. Now here is the important part - TELECHECK HAS NO IDEA HOW
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MUCH MONEY IS IN THE ACCOUNT, OR EVEN IF THE ACCOUNT IS CURRENTLY ACTIVE.
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What they do know is if you've passed a bad check on them in the past.
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From the time you pass your first bad check, you have between three and four
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weeks before they get the bad check back and get your name and info. into their
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computer. So, you want to do what you're going to do and do it fast.
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It should be noted that the above info is not relative to the scam
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described below.
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Now, on with the file-
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BANK FRAUD
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---- -----
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Here's what you'll need -
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1) A good fake ID. This can be an ID with your picture and someone else's
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name, or just the ID of someone who looks like you. This person should be
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someone you don't like, or better yet, someone you don't even know.
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2) Checks. These must be in the name of someone else entirely. Stealing
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these out of someone's mailbox is your best bet here. The box they come in
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is really obvious, and it won't matter if they are later reported missing.
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3) A 'Passbook' savings account. Open this in the name of the person whose ID
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you have obtained. Memorize all of this person's info before entering the
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bank... you may not even be asked for an ID as this is only a savings account
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(this seems to be the case roughly 50% of the time). DO NOT OFFER THE ID
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UNLESS YOU ARE ASKED FOR IT. This will help a lot if you are ever busted for
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some reason. You should deposit a minimum of one hundred dollars into this
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account when you open it, but don't worry, you'll make this back with the first
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check you pass. And keep in mind, the more cash you initially deposit, the
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more you stand to make. A couple things to keep in mind when completing this
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step:
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1. The bank you open this account with MUST NOT be the same bank which issued
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the checks you have stolen.
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2. Try and pick a bank with a bunch of branches close together in your area.
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The more branches you hit, the more you can make.
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Now, after opening the account and depositing your cash, you must wait one
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business day for your account to become active.
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Once this day has passed, you're ready to make some money....
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My personal preference is to use the drive-up window, but you can go
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inside the bank if you want. If using the window, make sure and either remove
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or disguise your license tag(s).
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Make a list of all the branches, and plan to hit them all within a period
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of no more than two days.
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Here's what to do: Make out a check for an amount close to, but less than
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the amount you opened the account with. Make the check payable to the name on
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your ID (which is also the name the savings account is under). You may want to
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write something corny on the memo line, such as "For car parts," etc. Now,
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drive up (or walk in) to the teller. Hand her your (fake) ID, Passbook, and
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the check, telling her that you want to cash it. She will cash the check, no
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problem.
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Next, drive to another branch on your list and do the same thing. This
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time however, differ the amount of your check slightly.
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The beauty of this whole scam is that each branch of the bank has no idea
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that you have already cashed checks at other branches against that money with
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which you initially opened the account.
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Now this is the kicker: When you have come to the last bank on your list,
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go inside, fill out a savings-withdrawal slip, and take out the cash you
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opened the account with.
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In order not to get caught, just be sure of these three things:
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1. The rightful owner of the ID does not know you (or will not rat you).
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2. No one sees you steal the checks.
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3. None of the bank employees know you.
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Have fun, and be careful.
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_ _ ____________________________________________________________________
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/((___))\|Demon Roach Undrgrnd.806/794-4362|NIHILISM..............517/546-0585|
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[ x x ] |Paisley Pasture......916/673-8412|Ripco II..............312/528-5020|
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\ / |Tequila Willy's GSC..209/526-3194|The Works.............617/861-8976|
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(' ') |Lunatic Labs.........213/655-0691|Condemned Reality.....618/397-7702|
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(U) |====================================================================|
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.ooM |Copr. 1991 cDc communications by White Knight 07/20/91-#168|
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\_______/|All Rights Pissed Away. FIVE YEARS of cDc|
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