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I just got a job offer with a mobile entertainment network company. But it doesn't feel right with what they are asking. They want my account information. But they also want my user name and password to my account. I never had a job ask that before. Should I back away?

  • 45
    Did they interview you before they gave you the job offer? If not, then that's another sign that it's a scam. "If it's too good to be true, it probably isn't." – Brandin Jan 12 '17 at 19:41
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    Out of interest, what country are you in (and is the supposed job offer based in the same country, or elsewhere?) – Richard Everett Jan 13 '17 at 2:55
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    What is a “mobile entertainment network company”?! – Konrad Rudolph Jan 13 '17 at 11:42
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    Being asked for password is always a sign that something is completely wrong. Nobody else other than you needs your password. Moreover the admins of the service itself don't need your password to access your account, since they can do so from the backend, and they have other means of authenticating you. – Bakuriu Jan 15 '17 at 9:04
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    Giving them this is probably a violation of the terms and conditions of your bank (to which you have presumably agreed), and would probably make you liable for any fraudulent action taken. – John B. Lambe Jan 16 '17 at 13:38
581

Scam. They have absolutely no justification for requesting your password.

Don't back away. Run! And report them to the service they contacted you through, so they can be kicked off it. And to the appropriate government offices; in the US, information about that can be found at https://www.usa.gov/stop-scams-frauds

(The FTC in particular has been going after scam artists fairly actively in the past year. I still wish they could be funded well enough to do that properly, but it helps.)

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    Just to add to this, you really wouldn't be passing up any opportunity anyway. Any tech based company that would genuinely require this (and I very much doubt it) wouldn't be able to tell their arse from their elbow, let alone run a successful business. – lewis Jan 16 '17 at 17:24
78

The only thing even remotely close to this that I have ever seen is getting clearance on a government or military project/sub contractor, and they don't ask for your password (or account name). They may ask you to print out a statement, or to have the bank fill out a form (that would contain account balances and average transaction sizes), but I have never seen, even in that case, a request for a username and password.

This is an obvious scam. Even if your setting up direct deposit (some employers do require direct deposit these days) they only ask for routing numbers and account numbers.

  • 91
    The institutions that REALLY (legally) need to see your banking info are also the ones that don't need to ask login details to get the info they need. – Mindwin Jan 13 '17 at 12:43
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You should contact the police. In some cases law enforcement may ask you to go along with the request but using a new account set up by the bank to help get these criminals prosecuted.

14

I know of no (and there is no) legitimate use or need for a bank logon and password.

An employer can legitimately make use of a bank account number for direct deposit; and I have heard directly from one employee that their employer requires a bank account for payments; but employers set that up without your bank logon and password.

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    > "and I have heard directly from one employee that their employer requires a bank account for payments" I've never heard of a company that doesn't do this, how else would people get paid? – Tom Jan 13 '17 at 9:12
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    @Tom some countries still pay their workers using checks (like UK cheques) – Chris H Jan 13 '17 at 9:31
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    @ChrisH Oh right! TIL :) Must be annoying having to nip to the bank at the end of each month and waiting for the cheque to clear. Do the banks not get really busy with everyone paying in their cheques? – Tom Jan 13 '17 at 9:36
  • @Tom I suspect so -- I'm in the UK and have only been paid for normal employment by cheque a handful of times (usually the first month, once the last). I know I can pay in cheques by post, but I don't know if that's a common option in the US. – Chris H Jan 13 '17 at 9:38
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    My first ever job out of school in 1977 already used direct bank transfers for salary. I haven't had a job since that didn't. Giving your account details; sort code, a/c number & name is standard practise in the UK. None of that info will allow anyone to access the account, only pay to it. Passwords & PINs on the other hand are an entirely different matter :/ – Tetsujin Jan 18 '17 at 9:47
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I would give them fake data and record them while they are asking and taking your account.
Then I would head on the next police station and use the recording as an evidence to send them to jail.

And for people into legalese, see 2nd U.S. Circuit Court of Appeals.

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    Depending on where you live, it is often illegal to record someone without their consent. This would only get you in trouble as well. – David K Jan 13 '17 at 12:50
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    @DavidK: In fact, depending on where you live. According to the 2nd U.S. Circuit Court of Appeals you can for legitimate use and in most democracies it should be so. Not to mention the number of cases, where the police itself instructs people to do so. – antonio Jan 13 '17 at 19:05
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    You should ask the police first, then do so on their request if that's what they suggest. – Lightness Races in Orbit Jan 14 '17 at 13:15
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    @antonio The article is a little vague and certainly misleading. A quick google leads me to believe the Wiretap Act referenced is a federal law. As a layman, I'd assume their ruling only pertains to the federal law, but many states have laws on recording audio as well, so I think you're advise is not good and if you want to know for sure a consulting a lawyer would be best. – Andy Jan 16 '17 at 20:43
  • Sorry, but no. Do not give them anything. Head to a lawyer and/or police. Giving someone fake information is encouraging counter-action. Don't do it. – h4ckNinja Jan 17 '17 at 4:39

protected by Monica Cellio Jan 13 '17 at 4:03

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