Credit Union Blog

Fraud And Scam Alerts

Identity Theft Odds Increasing

Experts said people are more likely to get their identities stolen than their cars stolen. That’s why local police officers spent the day in intensive training Thursday to help them spot identity theft.

LifeLock and the FBI Law Enforcement Executive Development Association put on the seminar in Louisville, showing off the new ways thieves are ripping people off.

With recent data breaches, including Epsilon’s email address leak and Sony’s hacked PlayStation network, authorities said the time to act is now.

"Criminals are always out there looking for ways to take personal information and turn it into money,” Mike Prusinski, of LifeLock, said.

Prusinski travels the country to educate law enforcement and the public about the many ways thieves work to steal personal information.

“As consumers, we make it way too easy on them,” Prusinski said.Prusinski said scammers are using new tools such as skimmers, which are easily purchased online. The electronic device can record the information from credit cards that are swiped through it. Then, an encoder can download the information so a copy of the credit card can be printed to make fraudulent purchases.

But the thief doesn’t even need your card to do it. They can use wireless technology to capture passwords and financial information as you shop online at coffee shops on your phone or laptop.

The Federal Trade Commission has a wealth of information on preventing identity theft and getting help if you’re a victim.

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    Loan Scam Warning Issued

    Scammers claiming to be from the FBI and other agencies are calling Nebraskans to threaten consequences for missing payday loan payments and then stealing their money, a group of public officials warned Tuesday.

    The aggressive callers claim to be representing United Cash Advance, U.S. Cash Advance, U.S. Cash Net and other Internet check-cashing services but are not legitimate, said Attorney General Jon Bruning, Better Business Bureau President Jim Hegarty, U.S. Postal Inspector Dave Margritz, Lincoln Postmaster Kerry Kowalski and Asst. U.S. Atty. Paul Boeshart.

    They also warned about phone calls and mailings which offer “free” trial subscriptions to magazines, weight-loss products and other goods and services which end up tying consumers to costly service contracts that are difficult to cancel or even activate.

    The warnings came as a lead-in to National Consumer Awareness Week, which begins Sunday.

    Contact the writer:
    402-444-1080, steve.jordon@owh.com
    twitter.com/buffettOWH

    Full Article Here


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      Card Deactivated Scam

      Reported to the Nebraska Credit Union League, by Darrin Englemann at Omaha Police Federal Credit Union, 3003 S. 82nd Ave., Omaha, NE, 68124, Phone Number 402-391-4040.

      Credit union members are being targeted by a scam aimed at tricking them into revealing their debit and credit card information.  Members are reporting that they receive official-sounding text messages that supposedly come from their credit union.  The texts inform the recipients that "Your debit card (or credit card) has been deactivated." They are then asked to provide their debit or credit card number, PIN and expiration date.  Specifically the scam on Tuesday, November 16th , reported by Omaha Police FCU read, “FCU ALERT:  Your CARD starting with 4115 has been DEACTIVATED.  Please call 402-210-2280.”

      The messages appear to be blanketing the region at random.  Consumers are urged to be extremely cautious of any message or e-mail that requests credit or debit card information, or any other sensitive personal information. These contacts often are scams perpetuated by people looking to commit identity theft.  Financial institutions never request information in this way.

      What is a vishing scam? 

      A vishing scam is the latest scam that careful consumers, and essentially anyone who possesses a credit card and cell phone needs to know about in order to avoid getting scammed. In particular, the vishing scam is a way to elicit either banking or credit card information from someone, which may then be used against the person. Vishing scam operatives want access to this information so they can gain access to credit cards or bank accounts and clean people out.

       The typical vishing scam makes use of voice over Internet protocol (VoIP), which allows people to talk over their computer lines, and can allow for multiple dialings of numbers at the same time. Scammers may work from a list of regional phone numbers or even from a phone book, but what they mainly do is call everyone they can and leave an automated message saying the person's credit card or account has been compromised, depleted or closed. When this process is done by email, it's called phishing, instead of vishing.

       People who are left a message are given instructions to call a number to get more information about this alleged compromise. Scammers often use toll free numbers for this purpose and may even have, for people with caller ID, the legitimate name of the company that is supposedly calling. When people call the number, they're instructed to dial in their credit card number or bank account number, and even sometimes information like personal identification numbers (PINs), or their social security number. Once this information is obtained, callers may speak to a person posing as a "representative" or they may never get to a representative, and are placed on hold. Meanwhile, the damage is done and the scammers may then use information to steal money or credit card numbers.

       Essentially, it's pretty easy to avoid a vishing scam or one conducted by email, and now commonly through text messaging on cell phones. Instead of calling the number listed, locate your financial institution account telephone number or your credit card phone number and call that number instead. If you're being vished, a financial institution or credit card company can tell you this immediately by letting you know that there has been no illegal activity on your account or any security compromise of your account. These scams can seem very real though, because they often contain warnings about not divulging your personal information, which may make a potential target feel the company calling, texting or emailing is protecting his/her interests.

       The main thing to remember is to never call the number listed on any potential vishing scam calls. This will not take you to your bank or credit card company, and if you give out your information you're likely to have it stolen. People are naturally worried if they hear the security of one of their accounts may have been compromised, but it will only take a few minutes to find the legitimate number of the "supposed" business that is calling you. You can also do your part by making sure that the bank or company is aware you've been vished.

       


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        Comments

        March 14th 2013

        Edna - This is starting again. I received an automated call in Pueblo, Colorado on 3/14/13 and hung up. When I tried to call back it simply read unknown and would not back dial. I called the bank and gave them the information and requested an account check. Thankfully, all is well but this sounded exactly like the usual electronic notification of low balance or unusual account activity.

        Reply

        May 20th 2013

        Wolf - Hitting in Central Florida also "RB ALERT: Your card starting with 4355 has been DEACTIVATED. Please call 352-274-9332. THis is being sent by SMS text message to cell phones. This one came in 05/20/2013 in the Ocala, Florida area.

        Reply

        May 21st 2013

        MusicCity - This literally just happened to me. Same as Wolf said except it was a 1(501)681-7683 number that text me and it told me to call a 1(615)301-8561 number this is in the Nashville, Tennessee area. This happened today 5/21/3013

        Reply

        July 11th 2013

        Me - CARD SERVICES ALERTS: Your DEBIT-CARD has been DEACTlVATED. PLEASE CALL (205)451-9149.

        Reply

        July 11th 2013

        Me - Also: mine came from the Birmingham, AL area

        Reply

        August 6th 2013

        BOB - IT HAPPENED TO US LAST NIGHT...IT SAID YOUR CARD HAS BEEN DEACTIVIATED...WHEN WE TRIED TO CALL THE NUMBER BACK IT SAID THE NUMBER YOU ARE TRYING TO REACH IS NO LONGER IN SERVICE...IT WAS A DALLAS TEXAS AREA CODE.....

        Reply

        August 24th 2013

        Ruth - Eastern Colorado. Automated phone message from 2129, "Your credit card with X credit union has been deactivated. Press 1 now to be transferred to a customer service rep to reactivate it" or something like that.

        Reply

        September 3rd 2013

        Mare - Just got a call like this on my cell phone a few days ago... "Private Caller" is what showed on caller ID. I immediately knew it was a scam because I never EVER use my cell number for online stuff or business activities of any sort. (I Only give it to family or friends). I didn't think to take down the number the robotic voice was telling me to call. But I will next time. I suggest calling your bank/s and letting them know they are working this scam in your calling area. Maybe they will alert customers....

        Reply

        October 12th 2013

        Linda - glad I found this website, thought it was weird. from Bellevue, Ne. said my card had been deactivated. said to call 402-218-9625. just another scam.

        Reply

        October 15th 2013

        Caitlin - got a text from 440-782-7844 Reverse look up says it's from Brecksville, OH. 44141

        Reply

        October 17th 2013

        Sean - Recieved a call on my cell phone on October 16. I was immediately suspicious do to the low quality of the automated system. It sounded very antiquated, not at all up to current standards and grammar was off a bit. The number was (650) 777-5358, from Millbrea, CA. I used *69 and called back the number the next day. A voice message stated " Welcome to the Oak View Law Group. I didn't bother talking to them, in case this law group was also a scam, but I get the feeling maybe the number was hijacked?

        Reply

        October 17th 2013

        Anne - Just got a text that said "Metro Service F.C.U ALERT: Your DEBIT-CARD has been DEACTIVATED. Please call 402-547-7221." Nice try. I don't even have a debit card with that credit union.

        Reply

        December 16th 2013

        thomas - text message scam on wireless phone stated Visa credit card deactivated gave a 4xxx number. sent from 1201-218-9286 asked to call back 201-905-1020. one number land line the other a wireless two different ciities in NJ . called none but want you to know the numbers they used. Scam by text message on wireless phone At&T service. Hope they get caught

        Reply

        January 12th 2014

        Mary Louise - Just received random text from 530-230-5921. I called the number from my landline and the recorded message was that my debit/credit cards were compromised and to leave detailed info on their message machine. Machine full. Text message returned by verizon and I called my local police and sheriff non emergency #'s. No complaints but mine. I emailed www.ic3.gov and filed a complaint. The phone number does not exist

        Reply

        January 12th 2014

        Mary Louise - Just received random text from 530-230-5921. I called the number from my landline and the recorded message was that my debit/credit cards were compromised and to leave detailed info on their message machine. Machine full. Text message returned by verizon and I called my local police and sheriff non emergency #'s. No complaints but mine. I emailed www.ic3.gov and filed a complaint. The phone number does not exist

        Reply

        January 12th 2014

        Mary Louise - Just received random text from 530-230-5921. I called the number from my landline and the recorded message was that my debit/credit cards were compromised and to leave detailed info on their message machine. Machine full. Text message returned by verizon and I called my local police and sheriff non emergency #'s. No complaints but mine. I emailed www.ic3.gov and filed a complaint. The phone number does not exist

        Reply

        January 18th 2014

        Kim - My Mother rec'd a text saying her "credit card has been deactivated" along with a phone number to call. We immediately deleted the text, it did not even say what bank or credit company they were supposedly from. Beware and stay safe everyone.

        Reply

        March 9th 2014

        - Here we go again!! I just now received a phone call saying MY WALMART MONEY CARD had been deactivated and when I try to call it back it plays the message I get when I run out of minutes..but everyone else's number still works. I would have never thought to set up a recording depending on phone provider!!!!!!! I almost fell for it because of taxes thought they wondered about all the recent activity on the acct. Realized it was a scam when the first question to "reactivate" is what is your card number? DUH. I'm so upset, they are probably using google to call!!!!!! CALLS ARE FREE and you can have it say your calling from ANYWHERE. My call said it came from Ontario! #416-537-3151

        Reply

        July 18th 2014

        Ray Ray - I received a text from visa saying that my card has been deactivated. We all should know to never trust anyone who calls you or emails you.

        Reply

        July 21st 2014

        Gina - started again in 360 area code today

        Reply

        July 21st 2014

        zach - It's in Arizona as well.. I got a text saying "Credit Union West ALERT: Your VISA-#485287 has been temporarily DEACT|VATED. Please call Credit Union 24hrs line (602)888-7177." I don't even have a visa credit card lol. When I called the automated system seemed sketchy so I tried to talk to a rep. And when I selected 0 the system hung up on me.

        Reply

        July 28th 2014

        PD - My call came in at 8:00am EST from a 777-1383 (no area code). today Junly 28, 2014. A computer generated voice said they were calling from Visa and my card had been deactivated. To press 1 to be connected for help. I hung up

        Reply

        July 28th 2014

        PD - My call came in at 8:00am EST from a 777-1383 (no area code). today Junly 28, 2014. A computer generated voice said they were calling from Visa and my card had been deactivated. To press 1 to be connected for help. I hung up

        Reply

        August 30th 2014

        Ryan - I just received this today in Sewell, NJ entered information with all 1's and was excepted.

        Reply

        October 19th 2014

        Carl - NJ - just got a text with this same message, telling me my credit card has been deactivated and to call 609-910-2144.

        Reply

        October 19th 2014

        Richard Rountree - received a text from "vmobl@member.org" urging me to call 281.295.1777 as restrictions had been placed on my debit card. My first thought was which one. I thought I'd get more info when I called. Didn't think much of it as I do always select the option of text communication. However, when I called the recording cleared stated this would only be an automated call to where I would not be able to speak with a live person and didn't specify an institution.

        Reply

        October 19th 2014

        Richard Rountree - received a text from "vmobl@member.org" urging me to call 281.295.1777 as restrictions had been placed on my debit card. My first thought was which one. I thought I'd get more info when I called. Didn't think much of it as I do always select the option of text communication. However, when I called the recording cleared stated this would only be an automated call to where I would not be able to speak with a live person and didn't specify an institution.

        Reply

        November 22nd 2014

        Richard - Just got the same text. Today is the 22nd of November 2014. Central OHio. 419-852-8259 was the number that sent it.

        Ron - In NJ. Received a text message today from Beneficial bank saying card was deactivated, from 609-251-0803, saying to call 609-800-1077

        Reply

        November 28th 2014

        Ron - In NJ. Received a text message today from Beneficial bank saying card was deactivated, from 609-251-0803, saying to call 609-800-1077. Today is 11/28/2014

        Reply

        February 1st 2015

        Smarter & Wiser - Last year I rec'd scam phone call re IRS scam stating a complaint was being filed against me. Called IRS directly and filed a complaint. Today I rec'd text from federal credit union stating my card had been deactivated. I called the number and , and yep! Was asked for all my card access information. I entered bogus information. The recording then stated my card had been re activated. Not sure what are tax dollars are being used for if we can't get protection from the govt enforcement agencies who can't seem to get a handle on the Rat bastards!!! I've heard of no prosecutions regarding these scammers/con artists/thieves.

        Reply

        February 1st 2015

        Smarter & Wiser - Last year I rec'd scam phone call re IRS scam stating a complaint was being filed against me. Called IRS directly and filed a complaint. Today I rec'd text from federal credit union stating my card had been deactivated. I called the number and , and yep! Was asked for all my card access information. I entered bogus information. The recording then stated my card had been re activated. Not sure what are tax dollars are being used for if we can't get protection from the govt enforcement agencies who can't seem to get a handle on the Rat bastards!!! I've heard of no prosecutions regarding these scammers/con artists/thieves.

        Reply

        June 10th 2015

        chris - 402 382 7500 is the current scam phone number

        Reply

        October 27th 2015

        Delila - Phone call saying debit card deactivated. Came from number 949 396 2001 (a Los Angeles, CA, number).

        Reply

        November 5th 2015

        Ryan - Just got a scam call now 1030 pm MST in Denver Co 11/5/15

        Reply

        December 19th 2015

        Kelly - I just received the following text message from Info@surfsupport.nl "Suspect withdrawal has been detected from your F.C.U. debit card . Please Call your verification Support Service immediately: 1-215-277-2053" - #1: I am not a member of a federal credit union #2: I live in Texas and 215 is not a Texas area code. Just for giggles, I called the number...it rang and rang and then the call was eneded. Idiot scammers won't make dime if they don't answer their phones. Terrible work ethic these scammers have!

        Reply

        February 3rd 2016

        luis - I want to thank Mr Edward of edwardatmhacker990@gmail.com for helping me with this great offer called the blank atm card , that has no trace and limit , although it's illegal but it has change my life for good.. i was complaining to one of my friend about my family situation , for the past year now i can not provide for my family , My friend Oscar told me about Mr Edward on how he received the blank atm card that make him who he is today .. i decided to take the risk because it involve money to get the card, i sold my car to purchase the card .. but today am very happy because i can withdraw €5000 daily, for only a week now i have about €50,000 in my account . thanks Mr Edward for your help.. if you want to get rich like me then contact Mr Edward via email: edwardatmhacker990@gmail.com

        Reply

        February 6th 2016

        Oriel Martins - BE SMART AND BECOME RICH IN LESS THAN 3DAYS....It all depends on how fast you can be to get the new PROGRAMMED blank ATM card that is capable of hacking into any ATM machine,anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago..It has really changed my life for good and now I can say I'm rich and I can never be poor again. The least money I get in a day with it is about $50,000(fifty thousand USD) Every now and then I keeping pumping money into my account. Though is illegal,there is no risk of being caught, because it has been programmed in such a way that it is not traceable,it also has a technique that makes it impossible for the CCTVs to detect you..For details on how to get yours today, email the hackers on : (joshblankatm@usa.com). Tell your loved once too, and start to live large. That's the simple testimony of how my life changed for good...Love you all ...the email address again joshblankatm@usa.com

        Reply

        Protecting Yourself From Swindles – Scams Involving Checks, ATMs and the Net.

        Fraudsters take advantage of innocent consumers daily through check, ATM (automated teller machine), and Internet scams. These gifted scammers use the latest technology to make it harder and harder to detect if your transactions are legit. Knowing the latest trends in the scamming industry can help you protect yourself from being victimized.

        Phishing
        Phishing incidents take center stage in Internet scams as they've increased dramatically in popularity in the past year. Phishers use the Internet to steal money and personal identities. Victims usually receive fraudulent e-mails containing authentic looking company logos and familiar graphics and are asked to divulge financial information.

        A study by the Gartner technology research firm shows 52 million U.S. Internet users received phishing e-mail during the past 12 months, from which 1.8 million consumers divulged information and one million fell victim. While consumers at banks and credit unions are prime targets, AOL and eBay users also are victims of frequent attacks.

        Elizabeth was a victim of an AOL attack when she discovered her credit card number had been stolen from her online AOL wallet. She now enters her credit card number and password each time she makes a purchase, no longer keeping them saved. Elizabeth responded to "What's Your Story?" on the Home and Family Finance Resource Center Web site, as did other contributors
        in this article.

        Fifty-two million U.S. Internet users received phishing e-mail during the past 12 months.

        As consumers such as Elizabeth catch on, phishers develop new ways to scam their victims. Many phishers now are trying techniques that have worked well for virus writers. The newest phishing scam is activated when you simply open an e-mail, no clicking required. Once infected, the scammers change the IP (Internet Protocol) address in your PC's Hosts file to their choosing. The fraudsters then associate the IP address with bogus bank/credit union Web sites, which forces your browser to go to fake Web sites that look like your financial institution's site.

        A phisher using the name Robotecteur is responsible for sending out the e-mail virus "I Still Love You" to three million people. The virus recorded user names and passwords when the user visited any of 30 online banks and payment Web sites programmed in the virus. Robotecteur then received e-mails containing the sensitive information.

        This form of phishing is different because the scammers don't have to lure you to a specific Web site. Instead, they get your username and password once you log in to a banking Web site. A keylogger then records your information and takes screen shots
        of your PC activity.

        Unfortunately, most PC users will not detect a problem until it's too late, because most are not knowledgeable with Hosts files. While the attacks have only occurred in Brazil, Australia, and the United Kingdom, security experts expect to see the scam soon in the U.S. However, experts also say all phishing scams, these included, are preventable. As always, run and update antivirus software frequently and, if you don't have one already, install a firewall. More information about phishing is available on the Anti-Phishing Working Group Web site.

        While phishing remains a high concern, experts also caution consumers against high-risk Internet use. The FTC (Federal Trade Commission) reports 55% of filed complaints are related to Internet fraud. The median loss for an Internet attack is $195. While online banking is safe, consumers still are more fearful of online banking transactions than giving out financial information for online shopping. Experts advise consumers to monitor their accounts regularly rather than wait for the monthly mailed statement.

        The most common check scam is the "Nigerian Advance Fee Fraud," with 100 victims daily.

        Brad, from Maryland, noticed unusual activity on his card, which he hadn't used in several months. Brad noticed the suspicious charges when he checked his online account. His quick action allowed him to resolve the matter before anything was
        posted on his account.

        Experts say it's also a good idea to change your online banking and shopping account passwords every three to six months. And to avoid being led to fraudulent Web sites, retype the Web address in your browser rather than click through e-mail links. These simple steps can protect you from serious hassles down the road.

        Check scams
        While scammers increasingly turn to the Internet, consumers still are targets of check scams. Check scams collected an average $5,000 loss per consumer. Fraudsters increasingly use e-mail to contact their victims.

        There are several variations of the check scam; the most common strategy is the "Nigerian Advance Fee Fraud," with 100 victims daily. The scammer proposes to send the victim a check for an extra sum and requests the victim wire back the excess money. The scammers often are from--or at least claim to be from--other countries, which explains why it is too difficult for them to make direct payment. Scammers offer to buy something you have for sale, offer you collection of a sweepstakes you won, or pay you
        to work at home.

        Victims often send the product or money to the scammer once they receive payment. However, the realistic looking checks sent to victims are forgeries and, unfortunately, the victims are responsible for the money they withdraw against the bad check. Experts advise sellers to not send refunds or deliver goods in the period it takes cashiers' checks to clear.

        ATM scams
        Like all scammers, those who target ATM users use the latest technology to their advantage. The newest ATM scam involves skimming. Fraudsters make counterfeit ATM cards by using a skimmer, which is a card-swipe device that reads the information on a consumer's ATM card. Scammers take a blank card and encode all the information from an ATM card when they swipe immediately after the machine's last transaction. The skimmer catches the PIN (personal identification number) through a small camera mounted on the ATM. The consumer is unaware they've been scammed because the ATM card has not been stolen and still works
        at other machines.

        Fifty-five percent of filed complaints are related to Internet fraud.

        Joyce, from Colorado, fell victim to such an attack. Because her card wasn't stolen, she didn't detect a problem until her checking account was down almost $800. After contacting Bellco Financial Services, Joyce was able to erase the damage done by the shopping spree she never took.

        The "Lebanese Loop" is another popular ATM scam. Scammers insert a portable steel loop into an ATM card slot. The scammer usually approaches the victim while at the machine, and poses as the person next in line. Victims are advised to enter their PINs three times and then hit cancel to get the machine to accept the cards. The scammer is able to memorize the PIN for future use and the machine keeps the card because of the excessive number of attempts to enter the correct PIN. Victims leave in frustration because they couldn't get any money and they've lost their card. Once the loop is taken out of the ATM the scammer has the card and the PIN number for future transactions. This is a relatively new scam that many experts believe will be short-lived due to
        fast technology upgrades.

        While it is difficult to guarantee protection from ATM scammers, there are security tips that lessen the risk. Be on the lookout for anything out of the ordinary at the ATM, such as odd- looking equipment or wires. As always, monitor your accounts regularly to make sure there is no unusual activity.

        If you've been scammed, the FTC Web site has information on the steps you need to take to clear your name and protect your identity.

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          Comments

          December 19th 2015

          Pedro Morgan - i just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called Edwin Benson. he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions. Hoping and praying it was not a scam. One week later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $3000. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $28000 without any stress of being caught. I don't know why i am posting this here, i just felt this might help those of us in need of financial stability. blank Atm has really change my life. If you want to contact them, Here is the email address benson.blankatmcard@gmail.com . And I believe they will also Change your Life

          Reply

          Fraud Alert

          The Nebraska Credit Union League is aware of phone calls, text messages, and emails being made about:

          • Confirming Account or Credit Card Numbers
          • Account De-activation
          • Account Status Alert
          • Changes to Terms and Conditions
          • Irregular Activity

          The e-mails and text messages ask that the customer call a number in order to have their account reactivated. Some may request that you leave callback information or provide your financial information directly. All of these messages are fraudulent. Please do not respond to these messages.

          Your financial institution would never solicit your personal identification information via email or telephone. If you did respond to such a solicitation, you should contact your financial institution directly using the local phone number provided by your financial institution.

          More Information on Internet Fraud Report a suspicious email

            Add Comment

            Comments

            December 9th 2015

            tracy - This is my testimony about the good work of a man who helped me..My name is Tracy Adams, and I base in Canada. My life is back! After 2 years of marriage, my husband left me with our three kids. I felt like my life was about to end, and was falling apart. Thanks to a spell caster called Dr John who I met online. On one faithful day, as I was browsing through the internet, I was searching for a good spell caster that can solve my problems. I came across series of testimonies about this particular spell caster. Some people testified that he brought their Ex lover back, some testified that he restores womb, some testified that he can cast a spell to stop divorce and so on. There was one particular testimony I saw, it was about a woman called grace, she testified about how Dr John brought back her Ex lover in less than 72 hours and at the end of her testimony she gave Dr John e-mail address. After reading all these, I decided to give Dr John a try. I contacted him with his via email address and explained my problem to him. In just 2 days, my husband came back to me. We solved our issues, and we are even happier than before. Dr John is really a talented and gifted man and I will not to stop publishing him because he is a wonderful Dr...If you have a problem and you are looking for a real and genuine spell caster to solve that problem for you. Try Dr John today, he might be the answer to your problem. Here's his contact: HOMESOLUTION2015@OUTLOOK.COM Thank you once again Dr John. Contact him for the following: (1)If you want your ex back. (2) if you always have bad dreams. (3)You want to be promoted in your office. (4)You want women/men to run after you. (5)If you want a child. (6)[You want to be rich. (7)You want to tie your husband/wife to be yours forever. (8)If you need financial assistance. (9)If you want to stop your Divorce. 10)Help bringing people out of prison. (11)Marriage Spells (12)Miracle Spells (13)Beauty Spells (14)PROPHECY CHARM (15)Attraction Spells (16)Evil Eye Spells. (17)Kissing Spell (18)Remove Sickness Spells. (19)ELECTION WINNING SPELLS. (20)SUCCESS IN EXAMS SPELLS. (21) Charm to get who to love you. (21) NEED A SPELL TO GET YOUR SCAMMED MONEY BACK FROM ANYONE. Contact him today on: HOMESOLUTION2015@OUTLOOK.COM. OR ADD THE GREAT SPELL CASTER ON WHATSAPP.. +23470342759356 HOMESOLUTION2015@OUTLOOK.COM

            natasha - Hi, My name natasha and i just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called Edwin. he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions. Hoping and praying it was not a scam. One week later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $3000. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $28000 without any stress of being caught. I don’t know why i am posting this here, i just felt this might help those of us in need of financial stability. blank Atm has really change my life. If you want to contact them, Here is the email address benson.blankatmcard@gmail.com . And I believe they will also Change your Life.

            natasha - Hi, My name natasha and i just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called Edwin. he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions. Hoping and praying it was not a scam. One week later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $3000. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $28000 without any stress of being caught. I don’t know why i am posting this here, i just felt this might help those of us in need of financial stability. blank Atm has really change my life. If you want to contact them, Here is the email address benson.blankatmcard@gmail.com . And I believe they will also Change your Life.

            Michelle Moore - Hi, My name Michelle Moore from USA and i just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called Kelvin Roland. he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. Then he told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions. Hoping and praying it was not a scam. One week later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $2,500 every day. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $75000 without any stress of being caught. I don't know why i am posting this here, i just felt this might help those of us in need of financial stability. blank ATM has really change my life. If you want to contact them, Here is the email address (kelvinroland.blankatm@outlook.com) you can also call him or whatsapp him vial +2347055117070. And I believe they will also Change your Life.

            Reply

            February 6th 2016

            Oriel Martins - BE SMART AND BECOME RICH IN LESS THAN 3DAYS....It all depends on how fast you can be to get the new PROGRAMMED blank ATM card that is capable of hacking into any ATM machine,anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago..It has really changed my life for good and now I can say I'm rich and I can never be poor again. The least money I get in a day with it is about $50,000(fifty thousand USD) Every now and then I keeping pumping money into my account. Though is illegal,there is no risk of being caught, because it has been programmed in such a way that it is not traceable,it also has a technique that makes it impossible for the CCTVs to detect you..For details on how to get yours today, email the hackers on : (joshblankatm@usa.com). Tell your loved once too, and start to live large. That's the simple testimony of how my life changed for good...Love you all ...the email address again joshblankatm@usa.com

            Reply

            February 6th 2016

            Oriel Martins - BE SMART AND BECOME RICH IN LESS THAN 3DAYS....It all depends on how fast you can be to get the new PROGRAMMED blank ATM card that is capable of hacking into any ATM machine,anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago..It has really changed my life for good and now I can say I'm rich and I can never be poor again. The least money I get in a day with it is about $50,000(fifty thousand USD) Every now and then I keeping pumping money into my account. Though is illegal,there is no risk of being caught, because it has been programmed in such a way that it is not traceable,it also has a technique that makes it impossible for the CCTVs to detect you..For details on how to get yours today, email the hackers on : (joshblankatm@usa.com). Tell your loved once too, and start to live large. That's the simple testimony of how my life changed for good...Love you all ...the email address again joshblankatm@usa.com

            Reply