American Finance Fraud
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American Finance home page screenshot (24-May-2009):
American Finance home page screenshot (24-May-2009):

This fraudster should not be confused with any other company that may have the same or a similar name. The website graphics and the evidence below identify this criminal and this criminal alone.

American Finance is part of a huge Russian money laundering criminal network that has dozens of aliases, among them being Promo Invest, Transfer Invest Inc., E-Investment Projects, E-Investments Provider Inc., K-Investment Group, EU Investment Solutions, EURO Investment Solutions, AFC Financial Services, AIF Investment Consulting, etc etc etc. It's the usual glossy website set up deliberately to lure the unwary into the world of money laundering fraud. It's an identical follow on scam to Browncorp Financial Services and others with the usual identical money mule job advertised and the usual recently registered domain a-f-company.com (HOOYOO (US) INC. on 11-Mar-2009). Their location details are fake and they are not a registered company at their supposed locations of Germany and California.

Evidence of Spamming and Criminal Fraud:

i) On the 'About Us' page of their website the criminals claim: "American Finance company was founded in 2006 and obtained a license for activity engaging at the same time". However their domain a-f-company.com was only registered with HOOYOO (US) INC. on 11-Mar-2009 for the usual criminal's minimum domain period of one year. Clear evidence of misrepresentation and fraud.

ii) "American Finance" is a pretty generic term, but I couldn't find any sign of these serial criminals in the first ten pages of Google when I searched. I think it fair to say they have absolutely no web presence.

iii) The payload of the site is a clear illegal money laundering mule job under the 'Jobs For You' tab, under the heading 'Vacancies':

Financial agent

Candidate requirements:

    *      Willingness to work from home, take responsibility, set up and achieve goals
    *      Ability to create good administrative reporting
    *      Prior customer service experience is a good benefit, but not a must
    *      Honesty, responsibility and promptness in operations
    *      Effectively interaction with customers
    *      Familiar to working online, Internet and e-mail skills
    *      USA resident.

General:

            This job will allow you to:

    *      Work efficiently from home;
    *      Increase available personal time
    *      Achieve financial independence in half the normal time (1-3 hours per day)
    *      Develop high self-respect and esteem.

      What exactly will I do?

        You will work as a Financial Agent, meaning you will perform e-currency exchange operations, communicate with other agents to facilitate the process, fund closed transactions, receive other funds collected at closing and disburse all proceeds to appropriate parties.
        Our employees hired for this job assure the foundation of our business and that is speed and reliability in dealing with our clients money and delivering a highly respected service in our branch.
        You will work 1-4 hours a day in your area, depending on how many tasks are assigned to you.

      What will I need to get started?

        In order to get the job, we recommend that you read this page and apply to the job by sending your resume to
      job@a-f-company.com ,then your resume will be directed to our contact manager. Не will contact you by e-mail very soon.
        All the data you will be providing to us is to be considered sensitive and not to be disclosed to anyone, under any circumstances except if legal measures are applied and we are ordered to do so by a court of law.

      What if my application is approved?

              1. Required document for verification: a state or nationally issued photo ID card with an expiration date, for example, a Passport, National ID Card or a Driver's license.

      Note: We require the above documents since you will be hired over the Internet, in order to verify your identity, location and background. This is done to protect ourselves and our clients from fraud.

              2. You need to open a new checking account that you will use only with us, to receive and forward payments and to receive your commission.

      Note: You can use your current account.

              3. We will require your bank account information from the newly opened account, needed only to forward wire transfers to your account. This information consists of the following: Bank name, Bank address, Account Holder, Account number, Routing number.

              4. You will be verified by phone at your home land line phone number, to confirm your location and the accuracy of the information provided by you.

      What if my application is not approved?

        Whether you meet our conditions or not, you will be notified by email or phone within the next 24 hours from submitting the Online Job Application Form.

      How much will I earn?

        You will work for commission that will be calculated for the amount of every transaction that is forwarded through your account, as follows:

        4% from the total transaction amount for transactions smaller than $10,000.00 US dollars.
        3% from the total transaction amount for transactions larger than $10,000.00 US dollars.

        You will earn a minimum of $3000 and up to $10000 per month, depending on the transactions that are forwarded to you.
        If you do not total an earning of $3000 at the end of the month, we will pay you the difference up to $3000.
        If you earn more than $10000 during a month, the commission you will get from each following transaction from that point on, until the end of that month will be 1.3% regardless of the amount of the transaction.
        Your commission will be paid to you upon completing a task that was assigned to you, this means that you will get your commission daily for the work done in that day.

      Is there another question that is not answered here ?

      You can contact us regarding our job opening at
      job@a-f-company.com .


iv) That is the usual crystal clear money mule function that will get your bank account closed, your assets frozen, earn you a visit from the police and possibly a criminal record. Do not be tempted. It is also the identical job as posted on many of the criminal's previous aliases as listed above.


v) No legitimate company would advertise for private citizens to operate as unlicensed and illegal money transfer agents. To do so clearly defines the company American Finance as both criminal and fraudulent. There is also a 'phishing' for identity theft aspect due to the nature of identity proof requested, i.e. 'Passport, National ID Card or a Driver's license.' Clear evidence of criminal fraud.

vi) Another alias, another set of fake contact Details from the website:

Main office

Address: Rathausplatz 23, Paderborn,
D-33098, Germany               
Telephone number : +49-52-51644-77
Department head: Alexander Andersen

Customer service department

Address: P.O. Box 4279 , West Covina,
                CA, 91791, USA
Telephone number: (626) 593-9569
Fax number: (888) 839-6837
Department head: Michael Koller

E-Mail (General information): info@a-f-company.com
E-Mail (Job questions): job@a-f-company.com


• - A Google search for the address 
Rathausplatz 23, Paderborn, D-33098, Germany returns just their fake Browncorp Financial Services page and my listing of it - the crooks have used the same address as for their previous alias.
• - They only list a PO Box for their American "Customer Service Department".
• - A Google search for the telephone number +49-52-51644-77 returns just their own fake website.
• - A Google search for the telephone number (626) 593-9569 returns just their own fake website.
• - A Google Search for the telephone number
(888) 839-6837 returns just their own fake website and an anonymous proxy website for some reason.

vii) American Finance are not registered in the HandelsRegister, (Germany's 'Companies House'). Clear, verifiable evidence of a fake company - check for yourself.

viii) It's a pretty generic company name, but this particular American Finance are not registered in the California state company register - Clear, verifiable evidence of a fake company - check for yourself.

The above evidence is clear proof that the American Finance website is a fraudulent website set up with intent to deceive. If you are an abuse team that has received an abuse report regarding these fraudsters, please consider immediate termination of their services in view of the absolutely undeniable evidence of criminal fraud - please don't delay - these criminals will not respond to any communication from you, (all their whois data is invariably false), but will simply take advantage of any attempt at communication as a delaying tactic to allow them time to carry on their criminal activity and prepare their next network.
Known Website Domains

a-f-company.com

Criminal Registered Nameserver Domains

srvdns.co.uk

Registrar

HOOYOO (US) INC. 11-Mar-2009




Register.com Inc (22-Jan-2009)

Key:
Active
Suspended/Disabled
Parked


DNS Data: (Valid for a-f-company.com)

How I am searching:

Searching for a-f-company.com A record at c.root-servers.net [192.33.4.12]: Got referral to A.GTLD-SERVERS.NET. (zone: com.) [took 35 ms]
Searching for a-f-company.com A record at A.GTLD-SERVERS.NET. [192.5.6.30]: Got referral to ns2.srvdns.co.uk. (zone: a-f-company.com.) [took 89 ms]
Searching for a-f-company.com A record at ns2.srvdns.co.uk. [78.129.166.6]: Reports a-f-company.com. [took 220 ms] Response:
Domain Type Class TTL Answer
a-f-company.com. A IN 14400 78.129.166.5
a-f-company.com. NS IN 14400 ns2.srvdns.co.uk.
a-f-company.com. NS IN 14400 ns1.srvdns.co.uk.
ns1.srvdns.co.uk. A IN 14400 78.129.166.5
ns2.srvdns.co.uk. A IN 14400 78.129.166.6

Looking up at the 2 a-f-company.com. parent servers:

Server Response
ns2.srvdns.co.uk [78.129.166.6] 78.129.166.5
ns1.srvdns.co.uk [78.129.166.5] 78.129.166.5

The host for this criminal fraudster is listed as Cayman British Islands Offshore Network on IP address 78.129.166.5. This host and IP address have also been used for other frauds, including AREM NetworksWestern Trust, LLPGreat ExpeditionAST Finance & Consult, Komerset Logistics and Browncorp Financial Services and has been implicated in hosting Zeus attack sites. Reverse IP checks show a whole host of attack and fraud sites on this IP - a cess-pit of criminal activity. This host appears to have no internet presence and the Google hits it returns are mainly related to criminal activity. IP contact data:
Information related to '78.129.166.5'

inetnum:        78.129.166.0 - 78.129.166.255
netname:        KY-PRVT-NWRK-019231
descr:          Cayman British Islands Offshore Network
country:        KY
admin-c:        JW1886-RIPE
tech-c:         JW1886-RIPE
status:         ASSIGNED PA
mnt-by:         RAPIDSWITCH-MNT
changed:        abuse[at]rapidswitch.com 20090122
source:         RIPE

person:         Jan Willson
address:        George Town, Cayman Islands,
phone:          +3459497923
nic-hdl:        JW1886-RIPE
changed:        support[at]kynetworks.biz 20081115
source:         RIPE

% Information related to '78.129.128.0/17AS29131'

route:          78.129.128.0/17
descr:          RapidSwitch Ltd
origin:         AS29131
mnt-by:         RAPIDSWITCH-MNT
changed:        abuse[at]rapidswitch.com 20070426
source:         RIPE

The domain kynetworks.biz was only registered with Network Solutions, (XiaMen BizCn Computer & NetWork Co.,Ltd as reseller), on 16-Nov-2008 and is currently resolving as a suspended account on a Russian host, OTCEK.com
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