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Blaming the Victim for Phishing
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By Ed Foster, Section The Gripelog Posted on Mon Mar 29, 2004 at 12:32:49 PM PDT
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Should you ever fall victim to one of the increasingly sophisticated phishing scams, don't be surprised if the authorities tell you it's all your fault for "giving your permission" to the identity thief to fleece you.
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A story appeared over the weekend in the San Jose Mercury News' "Action Line" column about the victim of a phony PayPal website whose bank account was drained by a phishing operation in Moscow. As the phisher had also taken $500 of overdraft protection on the bank account, the victim's bank said it was owed $500 because the card was used with the victim's permission.
"I explained the stolen identity situation to the company, but it insisted I did not have my information stolen but that I gave permission for someone else to use my card," the victim wrote the Mercury News. "I'm not asking for my stolen bank account money. I just don't think I should have to pay the $500."
With the intervention of the Mercury News columnist, the victim's bank agreed to reverse the $500 charge. But an official of the California bank quoted by the columnist still stuck to the idea that the their customer was "voluntarily" using a false Web site and therefore could be held liable. Don't give out any information to anyone who isn't "100 percent trustworthy," the bank official piously warned.
He might as well have said don't use the Internet, because there is no such thing as a 100 percent trustworthy site. And if law enforcement, PayPal and the banks don't start going after the criminals rather than blaming the victims, not using the Internet may be the only logical choice any of us have.
Update [2004-3-30 11:20:1 by Ed Foster]: By way of a footnote, I wanted to point out another SJ Mercury News story that appeared this morning. A Ukrainian-based software pirate accused of selling $3-million-worth of counterfeit Microsoft and Autodesk software on the Internet was tracked via his e-mail trail by federal authorities. Eventually he was arrested while travelling in Thailand and extradited to the U.S. In other words, if it is someone like Microsoft that's losing $3 million, the feds can and will find a way to enforce U.S. laws against East European criminals. But if it's average consumers who are being robbed of their life savings, nobody is going to lift a finger. Except perhaps to point that finger at the victim and say they are to blame for granting "permission" to the thieves. |
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