Talking Points for Common Defenses

• It is never too early to learn the warning signs of fake check scams:
• Sounds too good to be true.
• Pressure to act right away.
• Guaranteed success.
• Promises unusually high returns.
• Requires upfront investment — even for a free prize.
• Doesn’t act like a real business.
• Something doesn’t feel right.
• And even if all looks right, it never hurts to do your homework and check the offer out with a local Better Business Bureau, state’s attorney’s office, or local consumer groups.
• Even if the person or company has no track record of complaints, the scam may be familiar to watchdog consumer protection agencies.
• Don’t hesitate to discuss the matter with friends and family.
• And don’t forget to watch out for those you love — sometimes just a simple “What’s new?” can prevent an old scam.

Q. How does the Postal Service help to prevent mail fraud scams?

A. The Mail Fraud Statute is the oldest and most effec­tive consumer protection statute, and Postal Inspec­tors have been using this statute to preserve the integrity of the U.S. Mail since the law was enacted in 1872. Inspection Service efforts have combined vig­orous enforcement of the law with public education, consumer awareness, and crime prevention pro­grams. Postal Inspectors work with local, state, fed­eral, and international law enforcement agencies — as well as a variety of bank and credit card issuers, financial institutions, retail merchants, credit bureaus, and other industry sources — to prevent the spread of mail fraud schemes and to educate consumers.

Q. What can consumers do to protect themselves from becoming fraud victims?

A. Use common sense. Take your time when respond­ing to offers. Investigate. Talk to family, friends, and local consumer protection experts. Educate yourself about fraud. Know who you are dealing with. And protect your personal information. Every year thou­sands of people and businesses are victimized by fraudulent schemes. In general, consumers should be skeptical of any offer that sounds “too good to be true.”

Q. What should consumers do if they suspect a check is fake?

• Since most fake checks come through the mail, U.S. postal inspectors have taken the lead in investigating check fraud schemes. A fraud com­plaint can be filed online at the Web site www.FakeChecks.org or by telephoning 800-372-8347.
• The Federal Trade Commission works for the con­sumer to prevent fraud and deception. Call 877-FTC-HELP (877-382-4357) or log on to www.ftc.gov.
• Locate your local Better Business Bureau at www.bbb.org.