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ACH Payment Transaction Rejected Phishing Email Scam

I receive one of these ACH payment rejected emails almost daily. They claim to be from the NACHA which is the Electronic Payment Association. NACHA runs the ACH network which handles money transfers etc.

This is why you commonly see “ACH” in front of banking transactions on your statements.

But don’t be fooled and fall for these ridiculous phishing attempts. The particular email I received today (shown below) contains a link to a supposed Microsoft Word Document that explains why I apparently have a “failed” payment transaction.

Whatever you do, don’t click on any links found in any email like this. It will only lead to malicious code which will compromise your security and most likely cause you a lot of unwanted headaches.

I checked the email headers of this particular message which came from the IP address which is out of Finland. NACHA is located in the United States.

Here is the particular message I recieved:

The ACH transaction (ID: 655072295785), recently initiated from your checking account (by you or any other person), was rejected by the other financial institution.

Rejected transaction
Transaction ID: 655072295785
Reason for rejection See details in the report below
Transaction Report report_655072295785.doc (Microsoft Word Document)
13450 Sunrise Valley Drive, Suite 100
Herndon, VA 20171

2011 NACHA – The Electronic Payments Association

I also received this follow-up message a little later:

438a474d1b6f2397 Your_Direct Deposit-payments-were_disallowed
ACH Network-Rules Department
QXLPEKLRPAQDThe-details-regarding_this-matter_are-available in-our_secure-section:čā

This last message I received came through a United Kingdom Yahoo Mail server. Maybe the two emails are connected? Maybe not?


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