Email · stamped FAKE DEBT

The payday loan lawsuit emailFAKE DEBT

A real scam people fell for this year, next to the real thing. The numbers mark the three things to check: hover or tap one to see what it tells you.

Safe
MInbox (3) – Gmail×
https://mail.google.com/mail/u/0/#inbox
✎ ComposeInbox 3StarredSnoozedSent
Your payment is due soon
CCapital One <capitalone@notification.capitalone.com>to me10:42 AM

Hi Maria, a reminder that your minimum payment of $35.00 is due on Oct 28.

Your balance is $412.60. You can pay any time in the Capital One app or at capitalone.com.

Already paid? Thanks, you can ignore this email.

ScamFAKE DEBT
MInbox (3) – Gmail×
https://mail.google.com/mail/u/0/#inbox
✎ ComposeInbox 3StarredSnoozedSent
FINAL NOTICE: Lawsuit to be filed against you
CCashNow Loans Legal Department <cashnow.legal.dept@outlook.com>to me10:42 AM

A lawsuit will be filed against you in county court today for an unpaid payday loan of $1,120.00.

If you do not settle within 24 hours, the court will order your wages garnished and your case will be sent to collections.

To stop the lawsuit, pay a settlement of $640.00 by Zelle, or reply with your debit card number.

Always check the payment.

A "legal department" on a free Outlook address says you will be sued today unless you pay by Zelle or send your card number by reply. Real lenders and courts send letters, and never settle a lawsuit by email.

Always checkThe real oneThe scam
1Where it livesIs it the real company's or person's own address or number?

capitalone@notification.capitalone.com is Capital One's own address.

cashnow.legal.dept@outlook.com is a free Outlook account, not a law firm or a lender.

2What it asks you to doCheck firstDoes it want a password, a payment, a call, or a tap?

Pay your usual bill in the app or on the website, by the due date.

Settle $640 today by Zelle, or reply with your debit card number.

3How hard it pushesIs there a deadline, a threat, or a surprise charge?

A due date weeks away.

A lawsuit and a garnished paycheck "within 24 hours".

RememberA real debt is never settled by Zelle to a stranger or by emailing your card. Look up the company yourself and call them.

Would you have spotted it?

10 pairs like this one, three minutes, a score to share. Then find out who in the family is the easy mark.

Take the testNext scam: The real PayPal email with a fake phone number →