this post was submitted on 08 Jul 2026
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No Stupid Questions

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This person friended me from an online game I played asking if I wanted to be paid to be a penpal. I'm familiar with a lot of phishing scams and other sorts of scams but I've never seen a scam like this one. What exactly is this person trying to get from me, are they hoping to infect my device with something sinister or are they trying to phish information from me without me knowing it? They seem to put a lotta emphasis on me VIEWING this photo they're gonna send me and it makes me think that whatever they're gonna send me must be infected with some sort of trojan. Can someone explain to me what's going on here?

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[–] Dookieman12@piefed.social 6 points 58 minutes ago

DON'T DO IT. Just say you did. Lie to them for as long as possible. If they ask for proof you can't give them, pretend to be dumb af and not understand their instructions.

If a clanker calls you, keep feeding them bogus instructions until they enter an inifite loop to waste their tokens. Kitboga has a YouTube video showing how to do it easily.

[–] Smoogs@lemmy.world 1 points 25 minutes ago* (last edited 24 minutes ago)

scam. every photo you take with wny device has metadata. dont send them anything. block them immediately. dont even say bye.

[–] vk6flab@lemmy.radio 19 points 3 hours ago

If you're logged into your bank account and the image contains embedded code and you're vulnerable to the exploit, there's a good chance that they'll be attempting to transfer money out of your account.

If it sounds like a scam .. and this does .. it's generally cheap insurance to treat it like a scam.

Moreover, if it's unsolicited, as in, they came to you, the chances are significantly higher that it's a scam.

[–] GarboDog@lemmy.world 29 points 7 hours ago (1 children)

Yes it’s a scam, they probably want you to buy something right? They’re going to try and send you a fake check, in which they will ask you to digitally cash it in so it doesn’t go through a teller. The check doesn’t actually get checked by anyone due a couple days so you would have effectively stolen money. Then once they convince you to buy something for yourself and/or for themselves they basically fuck off then the bank would be like hey that check wasn’t real, instead of reporting you/done this is the first time we’ll just charge your account for the check.

If your still adamant on them being real, take the check to a teller at the bank. Make sure the check is physical. Make sure the sender it matches their name and the bank is actually real (by the routing numbers not the logo on it)

Wait, checks are still not automatically cryptographically verified in seconds? How is anyone still using this?

[–] Strider@lemmy.world 14 points 7 hours ago

Props to you for being curious and inquisitive and having the knowledge it's a scam. Don't let others bring you off your digging (without endangering yourself).

[–] blimthepixie@lemmy.dbzer0.com 13 points 7 hours ago

That's like me asking if this email is a scam

[–] PorradaVFR@lemmy.world 29 points 9 hours ago

There are fewer red flags in Beijing on May Day.

[–] ada@lemmy.blahaj.zone 166 points 13 hours ago (2 children)

It's called remote deposit cheque fraud. It's a fake cheque. If you cash it, it will eventually get flagged as a a fake, and the bank will take the money back, even if you've already spent it or sent it to the scammer. And if you never send money to the scammer, they get nothing, but it also costs them nothing to make the attempt, because you're the one depositing the cheque and wearing the risk.

[–] TachyonTele_Esq@piefed.social 27 points 12 hours ago (2 children)

What happened to checks needing to be cleared first by banks? Do they just accept them now and deal with it later?

I haven't used a check in... 30 years I think.

[–] doc@fedia.io 19 points 10 hours ago

Most banks will, as a courtesy, deposit a certain amount immediately while the remainder waits to be cleared. My bank will pre-deposit $500 of any check and then the rest several days later. Or at least they used to. It's been like 10 years since I had to depsoit a check.

[–] bigkahuna1986@lemmy.ml 10 points 11 hours ago (1 children)

Depending on the amount and the history of the customer cashing it you may get the funds right away. Probably not for a 1000$ but less then 200 or so. Eventually it will clear and you'll get boned if it was bad.

[–] thurstylark@lemmy.today 8 points 11 hours ago (1 children)

The way I understand it, scammers use the most incapable, podunk banks possible so it takes the most amount of time to fully clear a check, usually hoping that the mark will cash it in and send the scammer a portion of the bad check, so the mark is left with the bag. From the mark's bank's pov, the mark has spent more money than they were ever entitled to.

[–] froh42@lemmy.world 10 points 9 hours ago* (last edited 9 hours ago) (1 children)

I find it so weird that parts of the world never moved away from the cheque system. I used my last one mid-90s or so.

SEPA bank transfers are cheap and real time.

On top that cheque system is so ripe for fraud.

[–] Lumidaub@feddit.org 2 points 4 hours ago

And then those parts of the world scoff at parts where people don't use a credit card for every little thing.

Ooohhhh okay

[–] one_old_coder@piefed.social 75 points 11 hours ago (1 children)

A stranger is sending you free money? That's a scam.

[–] Cock_Inspecting_Asexual@lemmy.world 28 points 11 hours ago (2 children)

Yeahh im aware, but the curiosity what what it is they were trynna do had me titillated 🥴 I wanted to see how it'd play out

[–] Sabata11792@ani.social 44 points 10 hours ago

Likely they send you a bad check, ask for a cut or say they over paid, check bounces and funds go away from your account, they keep there cut, you take the 100% of the loss.

[–] Lost_My_Mind@lemmy.world 16 points 11 hours ago (1 children)

As long as you understand that you absolutely are taking the risk of fraud being assosiated with your own personal bank account.

Like don't post in 2 days "GUYS!!! I WAS HACKED!!! THEY STOLE EVERYTHING!!!"

[–] Cock_Inspecting_Asexual@lemmy.world 14 points 11 hours ago (3 children)

Nah I aint givin this fucker my bank account. I do wanna troll the shit out of em but idk how to go about it other than just wasting his time by yapping about random shit

[–] Forester@pawb.social 3 points 4 hours ago

Open a new banking account. . Deposit the check digitally, block the scammer, deposit into the new empty account. Let it sit for a few months. If the money is still there. You have won.

Most likely the check will will be fraudulent and revoked within 1 or 2 weeks.

[–] Lost_My_Mind@lemmy.world 25 points 11 hours ago (1 children)

Oh, ok.

I remember when I was 17, my mom would hand me the phone whenever telemarketers would call.

I'd waste their time as a hobby. Sometimes I'd say my mom was on vacation in Jamaca, eating lots of blue flavored snow cones. Other times I'd say she was in the shower.

Either way, I'd start a counter to see how long they'd stay on the phone with me. My record was 2 hours 26 minutes. And my mom actually ended it. She came up and asked who I was talking to. I held up the hand signal for telemarketer.

She was in one of her pissy moods, so she grabbed the phone out of my hand, and screamed into the phone "THIS IS HIS MOM! WE DON'T WANT ANY!!!" and hung up.

To this day, I still believe I could have hit the 5 hour mark if she had just let me.

My reasoning was if they're talking to me, they AREN'T talking to someone who could be scammed.

[–] Grail@multiverse.soulism.net 7 points 10 hours ago (1 children)

What's the hand signal for telemarketer?

[–] Lost_My_Mind@lemmy.world 5 points 10 hours ago (1 children)

Ok, don't do a thumbs up. But also don't do a thumbs down either. Do one kind of halfway between up and down, where it's kind of pointing to the side.

We innitially wanted something where your fingers make the shape of a T, but as it turns out, it is really really hard to move your fingers into the shape of a T. Try it. It's akward, and painful, and it kinda sorta can be done....but also we hate it, so we decided on the thumb to the side thing. Easy to do, easy to read once you see it. That was the important part.

[–] grue@lemmy.world 2 points 9 hours ago

I feel like🖕would've worked fine (assuming you don't otherwise make rude gestures at your mom).

[–] ada@piefed.blahaj.zone 4 points 11 hours ago

Tell them they're so fun, you want to pay them to be your penpal, and you'll send them a picture of $50

[–] PP_BOY_@lemmy.world 66 points 12 hours ago (1 children)

You would have to be an idiot to entertain this. Block, move on, and ignore in the future. It's unlikely you're even talking to a real person.

This is the first stages of a very textbook fake check scam. They will provide a (unbacked) check, you can cash it and see the funds appear in your account. Something will happen, maybe they'll realize they overpaid you by a few hundred dollars and ask you to refund that amount. The original check funds will be pulled after a few days when the financial institutions realize they were fraudulent and you'll be out whatever amount of real funds you sent.

Now that you know this is a scam, even accepting the fake check is a felony.

[–] Cock_Inspecting_Asexual@lemmy.world 18 points 11 hours ago (1 children)

I wasn't planning on accepting a check from some rando online. That much common sense I do have. I will admit I am a bit of an idiot for entertaining them because I deadass CANNOT help myself.

I lowkey-highkey just wanna fuck with em in some way or waste his time. I used to troll fake VRchat model artists with zip bombs, but I've never really encountered a check scam before, so I was curious about it, hence why I asked.

I already know it's a scam, but I was curious on the specifics of the scam. I like learnin about shit and was curious

[–] PP_BOY_@lemmy.world 3 points 4 hours ago

It's a bot. You're not trolling anyone but yourself

[–] Serinus@lemmy.world 35 points 13 hours ago (2 children)

Yes, it's a scam. Doesn't really matter what's going on other than it's a scam.

Do they even play the game?

[–] otter@lemmy.ca 9 points 12 hours ago

Yea I think even if you're unfamiliar with this particular scam, the pushiness for this particular method of payment is a big red flag.

Not even sure, they were a low level player and dont seem to play all that much anyways. The fact they wanted to add me on discord to chat there was sus enough for me. But I just wanted to lead em on cus i was curious where it would go

[–] Dave@lemmy.nz 31 points 13 hours ago

Whatever you do, don't send any money back if they say they sent too much.

[–] aramis87@fedia.io 18 points 12 hours ago (2 children)

They're going to "overpay" you, then ask you to send them the money back (or sometimes but something for them). But eventually their check bounces, while you're out whatever money/items you sent them.

You also need to start being more careful, because the scammers sell and trade lists of people who have fallen victim, or almost fallen victim, to their scam. Because if you've (almost) fallen for one scam, you're more likely to fall for a second one.

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[–] Shannaresh@sh.itjust.works 17 points 12 hours ago

The check will bounce/charge back at some point IIRC

[–] Khanzarate@lemmy.world 7 points 10 hours ago

So at this point you know what it is, you know how to avoid being scammed, and you are aware that the most optimal way to deal with these people is to just block them and move on.

With all these things known, you can waste their time by pretending to have trouble depositing the check, saying the deposit went through while doing nothing, saying it worked and then playing hard to get with their "overpayment return" (usually they play on good Samaritan/pay it forward kind of guilt, so just pretend to be an asshole), and fucking with them every step of the way.

Atomic Shrimp on YouTube has done a bunch of these, if you'd rather live vicariously rather than expose yourself.

[–] Sanctus@anarchist.nexus 18 points 13 hours ago (2 children)

Definitely an SCP trying to disseminate a cognitohazard. I'd avoid at all costs.

[–] Rhynoplaz@lemmy.world 12 points 13 hours ago (1 children)

I believe you, but I have no idea what any of that means.

[–] Postmortal_Pop@lemmy.world 13 points 12 hours ago

heres the Wikipedia page. That will give you the details. I highly recommend heading to the wiki and reading a few if you're at all a fan of creative fiction and sci-fi/horror.

If you're more of an audio type, I cannot recommend The Exploring Series enough. He's not only got the dry and clinical tone that the format lives on, but he has some well timed jokes and he also elaborates both on the entry and any entries referenced.

Its too late. THEY'RE IN MY WALLS.

[–] Kolanaki@pawb.social 8 points 11 hours ago (1 children)

This is the most common kind of check fraud scam.

[–] Cock_Inspecting_Asexual@lemmy.world 4 points 11 hours ago (1 children)

Ohhhh. Ive never really heard about check fraud scams. How do these work?

[–] Kolanaki@pawb.social 5 points 11 hours ago (1 children)

They basically try and have you cash a bogus check and then send them all or some of the cash through a money order. Then when the check is found to be BS, you'll get in trouble with the law.

[–] Onomatopoeia@lemmy.cafe 1 points 3 hours ago

Or just be out the money

[–] Elting@piefed.social 13 points 13 hours ago

might be after your account and routing numbers on the checks

[–] Zier@fedia.io 5 points 11 hours ago (1 children)

Sounds to me like there is a virus attached to the image she wants you to 'view' so desperately. I forgot what that type of virus is called. But clearly the one she has seems to only work on a laptop or ipad. Guessing Android blocks this.

[–] forestbeasts@pawb.social 1 points 7 hours ago

Our laptop runs Linux. I kinda wonder what would happen if someone tried that on us. :3

(not that Linux is inherently more secure, it's just way more obscure and they probably wouldn't have a hack prepared for our particular setup)

-- Frost

[–] hperrin@lemmy.ca 4 points 11 hours ago

Without a doubt, this is a scam. The check is fake and they will want you to send them money before it gets found out by the bank.

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