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Issue 118 - September 2011 - Page 7

ACH Payment Canceled Malware Email

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Email purporting to be from the Automated Clearing House (ACH) claims that a recent payment made by the recipient has been canceled and that he or she should open an attached file to review details.

Brief Analysis
The email is not from the ACH. The message is an attempt by Internet criminals to trick recipients into opening the attached file which contains malware.

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Detailed analysis and references below example.

Last updated: 26th August 2011
First published: 26th August 2011
Article written by Brett M. Christensen
About Brett Christensen and Hoax-Slayer

ACH Payment Canceled

The ACH transaction,
recently initiated from your checking account (by you or any other person), was canceled by the other financial institution.

Rejected transaction
Transaction ID: 3882269
Reason for rejection: See details in the attachment
Transaction Report: report_082011-65.pdf.ZIP (ZIP archive, Adobe PDF)

13450 Sunrise Valley Drive, Suite 100 Herndon, VA 20171 (703)561-1100 2011
NACHA - The Electronic Payment Association

Detailed Analysis
According to this email, which purports to be from America's Automated Clearing House (ACH), a recent checking account transaction has been canceled by "the other financial institution". The recipient is urged to open an attached file to see details of why the transaction was canceled. The message contains the signature and address of NACHA - The Electronic Payment Association.

However, the message is certainly not from the ACH and the attachment does not contain information about a financial transaction. Instead, the attachment contains malware. Those who open the attached .zip file will not find a financial document, but rather a .exe file. If they open this .exe file, malware will be installed on their computers. This malware is able to connect with remote servers and download and install further malware such as rogue anti-virus programs.

The ACH and the entity's managing body NACHA have been targeted by scammers for several years. Some have been malware attacks like this one, while others have been phishing scams designed to trick users into divulging personal and financial information. Because the ACH is an official funds transfer system that processes large volumes of credit and debit transactions in the United States, at least a few recipients may be inclined to believe the claims in this malware email and open the attachment as instructed.

Neither ACH nor NACHA will ever send you an unsolicited email that asks you to open an attachment or follow a link and supply personal information. If you receive an email that claims to be from the ACH or NACHA, do not open any attachments that it may contain. Do not follow any links in the email. Do not reply to the email or supply any information to the senders.

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Issue 118 Start Menu

Pages in this month's issue:
  1. Protest Message - First Responders Not Invited to 9/11 Tenth Anniversary Ceremony
  2. Amazon Account Review Phishing Scam
  3. 'May God Bless This Kind Person' Spyware Hacker Warning Hoax
  4. Diego Mendez Prayer Request
  5. 'Numerous Spams Activities from a Foreign IP' Webmail Phishing Scam
  6. Hoax - Professional Hacker 'Faceb Hu' Taking Control Of Computers Via Friend Requests
  7. ACH Payment Canceled Malware Email
  8. Fake Child Abduction Alert - Three Year Old Missing from Wollongong
  9. Request to Change Facebook Status to Support Injured Biker George
  10. Bogus Health Warning - Scratch Card 'Silver Nitro Oxide' Coating Causes Skin Cancer
  11. Bogus 'Free Items for Participating' Facebook Events
  12. Overblown and Outdated Warning - Facebook Instant Personalization
  13. Drano Bottle Bomb Warning Message
  14. Hotel "Wrong Transaction" Malware Emails
  15. Invitation FB Olympic Torch Virus Hoax
  16. Warning - ALDI External 4-in-1 Hard Drive Contains Built In Malware
  17. DEW Bottled Water Fatal Poisoning Hoax
  18. Unfounded Rumour - Facebook Friend Request Warning - People Trying to Access Photos of Children
  19. Massive Mound of Writhing Rattle Snakes
  20. eBay 'Trusted Selling with Identity Confirmation' Phishing Scam