家裡要換相機，所以想把手邊的sony A77+ SAL1650賣掉，在YAHOO上拍賣NTD25,900。刊登1個星期左右，有一個人用英文留言，說對相機很有興趣，請我寄私信到她的信箱，我不疑有他就發了mail到她(Kate)的信箱。
Kate很快的回信，說她人在加拿大，相機是要買給她在奈及利亞當國際交換學生的兒子當生日禮物，她兒子的生日就要到了，所以希望我趕快賣給她，並跟我要銀行帳號。我考慮了一下午，主要考量是相機寄那麼遠，會不會摔壞，完全沒有想到是詐騙，後來回信決定要賣了，但是希望她先把錢匯給我，她馬上回信，說明會儘速匯款(此時台灣時間晚上11點)，接著詐騙流程開始了:
1.一大早起來，我的信箱馬上出現Kate的信，說明她已經跟銀行(Royal Bank Of Canada)設定好要匯款，但是我必須在24-48小時內將相機包裹寄出，還指定一定要寄國際快捷(EMS)，銀行一收到包裹寄出的通知(必須提供追蹤編號)，就會馬上匯款，不然的話匯款約定就會取消。此時，我心裡還想~哇!國外有這麼好的服務，可以同時保障買賣雙方。
2.接著就收到銀行的信件，說明客戶Kate已經約定好匯款，而且她無法單方面取消，不過，為了保障買賣雙方，請我在24-48小時內寄出包裹，並把包裹的追蹤編號提供給銀行，一收到追蹤編號他們就會馬上匯款。那時候心裡覺得很合理，既然銀行都願意擔任中間保障雙方的角色，實在沒什麼好擔心的。
3.接著Kate索命連環寄mail，催促說她錢都已經匯了，為什麼我還沒寄包裹，並暗指是否我打算欺騙她，還一再強調網路上信用最重要。我自認是清清白白的賣相機，怎麼可以容許自己被懷疑，因此，用最快的速度在中午把包裹寄出，並提供追蹤編號。
4.東西寄出後，馬上火速通知Kate，Kate還提醒我要通知銀行，並把追蹤編號寄給銀行，但一直寫長篇信件的Kate，回信馬上只剩1句話或單字。

後來的劇情，我想大家都可以想像得到，就是銀行跟Kate都失聯了，隔天一大早我還是沒有收到銀行的匯款通知，心中警鈴開始響起，用網路搜尋這家銀行的名子(Royal Bank Of Canada)，馬上就看到關鍵的文章"詐騙經驗分享"，心瞬間冷掉，同樣的銀行、同樣的地點(奈及利亞)，連銀行的文章都大同小異，顧不得傷心，馬上打電話給國際快捷(EMS)，包裹已經上飛機了嗚嗚嗚~，對方說我可以申請撤回，但是奈及利亞當地很亂，EMS基本上不接受撤回包裹，請我要有心裡準備，雖然我也已經跟警方報案了，但是，應該也無能為力吧!
現在靜下心回顧整個事件，其實很多地方都有蛛絲馬跡，例如:
1.為什麼加拿大人會看中文的YAHOO拍賣?而且要求私信溝通?
2.她對包裹通關的程序很清楚，還提醒我寄件的單子上，不要對相機做過多的描述、金額不要寫太高。
3.信件的發信時間很奇怪，不過那時候我歸因於時差，因為不知道她住加拿大哪一區，不知道時差多少。
4.她的英文錯誤很多，不過我們不清楚當地人寫文章的習慣，所以沒有深思。
5.銀行提供超貼心的服務，我們還覺得國外的銀行好先進，提供這麼專屬的服務
6.為什麼要這麼趕，急著要我在半天內把東西寄出?(不過我們內心OS，因為是生日，想要給兒子一個驚喜)

總之，覺得詐騙集團真得很會運用人性的弱點，使用了媽媽、兒子、國際交換學生、生日當作案件背景，降低人們的戒心，並選擇詐騙天堂奈及利亞。

為了讓A77的犧牲有代價，所以花時間把自己血淋淋的經驗分享給大家，以下是國外銀行給我的文章，我就是因為銀行的文章，才相信她的><"，真的寫得有模有樣，原始信件連Royal Bank Of Canada的LOGO都有，希望不要再有人受騙了。

***SHIPMENT INFORMATION NEEDED***
寄件者： Royal Bank Of Canada (rbc_transferdepartment@accountant.com)
寄件日期： 2014年8月19日 下午 08:41:41
收件者：*******(苦主我)
Dear Valued Customer,
We want to let you know that Mrs Kate Cole has made the payment and we have sent you an approval
confirmation email to notify you that the transfer as been made with the details of your bank information for the
payment, to assured you that the transfer is going to your account. once the transfer as been approved is not
possible for Mrs Linda Benson to cancel or Stop the transfer again that is the procedure before the transfer
made.
DETAILS OF THE PAYMENT BELOW
1) Amount paid :-NTD 28.500.00
2) Item Description:-SONY SLT-A77V Camera
So to protect both the buyer and the seller we will need to confirm the shipment before we transfer your money
to your account.Kindly go and make the shipment between 24 to 48 Hours with Ems Speed Post. and get back
to us with the information below for us to confirmed the shipment.
1) Shipment Tracking Code
Once the shipment as been confirmed we will notify you and transfer your money to your account between 24
to 72 hours to your account.
RBC Royal Bank
Thanks for using Royal Bank
Mr. Carlos Cole
Transfer Department Management.

***ROYAL BANK OF
CANADA***SW1100756489KMS***DO REPLY
寄件者： Royal Bank Of Canada (rbc_transferdepartment@accountant.com)
寄件日期： 2014年8月19日 下午 08:45:34
收件者：*******(苦主我)

TRANSFER ORDER
The Wire Transfer Order from Royal Bank Of Canada Online Banking has been Approved .
TRANSFER NUMBER :- SW1100756489KMS
We have received a TRANSFER ORDER placed by our Customer (Mrs Kate Cole) the sum of (NTD 28.500.00) Has
Been transferred to you (CHANG MINYI) as a payment for your item (SONY SLT-A77V Camera)
(The financial details of the transaction are stated below)
ACCOUNT HOLDER'S NAME :****(個人資料)
ACCOUNT NUMBER :****(個人資料)
BANK NAME :TAIPEI FUBON COMMERCIAL BANK.
SWIFT CODE :TPBKTWTP
Email Address :****(個人資料)
DATE OF TRANSFER :19/08/2014
COUNTRY :Taiwan.
TOTAL AMOUNT TRANSFER :NTD 28.500.00
Thank you for using Online Banking System (Wire Transfer) As a Payments . We look forward to serving your online
with better services in the future.
Please check the above information if they are correct as entered by our numerous customer. If you are having any
problem with it just contact the transfer department at : (rbc_transferdepartment@accountant.com)

NOTE 1
The transferred Amount will take up to (24-72 HOURS) before your account can be credited,These is due to bank to
bank transfer system, Also note that your account will not be credited until you contact us with the
ITEM DESCRIPTION THE TRANSFER IS MADE FOR to be sure that you are the Right owner of the Money and that it
is not any form of money laundering,With this we will verify with the item description our Customer made us to believe
the transfer is been made for.
This is to guide against Crediting an account for Wrong Payment and Cautiousness.
The transferred Amount will not be credited into your Bank account if we can't verify that the Item has been shipped to
the buyer from the Courier Service Used and confirming that the item on transit this is what will make us believe the
transfer is meant for you .
The Scan shipment document (Receipt ) gave to you by the Shipment/Freight Company or Tracking Number must be
sent to us In order to Protect Our Customer and Yourself from fraud .
This will be filed for documentation purposes and unforeseen future references that might arise.
If there is an error in the payment details above, Please we advise that you correct it and contact our
Customer/Technical Dept at (rbc_transferdepartment@accountant.com), You can send the SCAN RECEIPT
or TRACKING NUMBER stating the TRANSFER NUMBER: SW1100756489KMS as the Subject for easy
clarifications.
NOTE 2
Your account will be credited immediately upon confirmation of the details required by us moreover our customer
cannot cancel or stop the transfer after you might have sent the tracking number and the shipment receipt to us.
Thank you for using Royal Bank.
***ATTENTION***
The order has been APPROVED, you CAN NOW ship the merchandise to the buyer's shipping address.
You are expected to make the shipment with 48 hours of receiving thisTransfer Payment
Approval Notification and get to our Transfer department/Technical Dept. with the tracking number for
Shipment Verification.
THANKS FOR USING ROYAL BANK ONLINE TRANSFER
Royal Bank Of Canada Zonal Manager
Mr. Carlos Cole.

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