Postal fraud utilizes the mail system to defraud victims. With the rise of e-commerce and online communication, postal fraud has evolved to leverage new cyber techniques and pose novel threats. Individuals and businesses must understand these emerging fraud typologies to enhance protection.
Table of Contents
Phishing Scams
Phishing scams frequently involve postal components as part of larger cyber fraud campaigns. Criminals may send fake notifications via email or text directing victims to a fraudulent website imitating a trusted brand. This tricks users into inputting sensitive login credentials or financial information. Fraudsters then use this data to commit postal fraud, like redirecting mail or packages through forms submitted with stolen credentials. Protect against phishing by avoiding clicking links and only visiting sites by manually typing URLs. Be extra cautious about providing any personal information through unverified links or sites.
Identity Theft and Account Takeovers
Cyber criminals steal personal data online to takeover accounts and commit postal fraud. They redirect mail to access financial statements, tax documents, or intercept packages with valuable items. Consumers should monitor credit reports and statements for any unusual activity on a regular basis. Signing up for USPS informed delivery and using tracked mail options like Certified Mail Labels allows tracking of incoming mail as another layer of protection. Freeze credit reports when you are not actively seeking new lines of credit.
Fraudulent Packages and Merchandise
Scammers leverage the mail system to ship illicit or fraudulent goods obtained using stolen financial data. This includes merchandise purchased with stolen credit cards or compromised accounts. E-commerce platforms and payment providers offer purchase protection and insurance, which can secure refunds in cases of postal fraud. Inspect packages carefully upon delivery before accepting. Refuse delivery if damage or tampering is evident.
Check Washing and Processing
Technological advancements have made it easier for criminals to alter checks and money orders by washing and modifying details with scanners, printers and specialist inks. Victims may not identify the fraud until funds are withdrawn from their accounts. Using secure online bill pay options can reduce risks. Individuals should also monitor bank activity frequently for unauthorized transactions. Opting out of courtesy paper checks from financial institutions removes a key target.
Prepaid Debit Card Schemes
The anonymity of prepaid debit cards makes them an attractive option for scammers. They may send solicitation mail with prepaid cards that require activation and registration using the recipient’s personal information. Activating the card inadvertently enrolls victims in a fraudulent recurring billing scheme. Disposing of unsolicited prepaid cards immediately can help consumers avoid this trap. Check terms and conditions carefully before using any prepaid debit cards.
Protecting Businesses
Companies relying on mailed payments face risks of interception, especially if they are sending cash. Transitioning to electronic payments enhances security. Personnel should be trained to identify red flags like changes of vendor mailing addresses. Mailroom procedures must ensure mail is secure until processed. Surveillance systems can deter external postal fraud. Perform background checks before adding new vendors to payment systems.
As cyber techniques enable new twists on postal fraud, vigilance and protective measures are essential for individuals and businesses. Leveraging technological tools while exercising caution with unsolicited physical mail can help mitigate evolving fraud threats. Staying informed on new fraud typologies through resources like USPIS alerts can help consumers and companies identify and respond to the latest schemes exploiting the mail system.