Anthem Premium Finance

Anthem Premium Finance Fraud

Don't Bear Internet Fraud

Anthem Premium Finance Screenshot - 10-Nov-2008

This fraudster bears no relation to any other company of the same or similar name and should not be confused. The above website graphics and the money laundering job below are intended to identify this fraudster alone.

Anthem Premium Finance is a fairly obvious money laundering mule fraud website that is related to many others documented on this website. For instance it is a more or less identical fraud to SmartOne Inc. that was going around earlier in the year which then links it to the De Cart Ltd fraud, the Renaissance Capital Advisors Ltd scam, the Trust Company Inc, Finance International, E-Z Transfer, SurRate Inc, Des Group Inc., Business & Professional Consultants Inc. scams and no doubt many others, in other words it's a standard run-of-the mill money transfer fraud of the type that are turned out by the dozen by the same bunch of criminals using the same hosts and registrars that they regularly use. They're still using the old miss-spelt flash banner they used for SmartOne Inc. which originated from one of their previous aliases Ketler Secure Financing which is a bit of a give-away. Needless to say their domain was only registered with GoDaddy on 13-Oct-2008, their location details are fake, they are not a US registered company and this particular company has no internet presence, (not to be confused with any genuine company of the same name). Clearly fraudulent. See AP Finance for this criminal's latest alias update.

Anthem Premium Finance : Evidence of Criminal Fraud

i) Anthem Premium Finance say on their 'About Us' page "How did it all start? In 1998 at the conference "Theory and Practice of Electronic Business <snip>", but the criminal's domain anthempremiumfinance.com was only registered with GoDaddy on 13-Oct-2008 - a clear indication of fraud.

ii) If they had have been around since 1998 they would have an internet presence. As it is, a Google search for "Anthem Premium Finance" (include quotes), shows no web presence at all for these crooks, (not to be confused with any genuine company of the same name).

iii) Notice that they are still using the flash banner from one of their earlier aliases - Ketler Secure Financing, also used for their SmartOne Inc. scam.

iv) It's a more or less identical scam to SmartOne Inc. - notice the miss-spelt "Immediate deals with maximum convinience" in the above flash banner.

v) The Anthem Premium Finance website's real function is to spamvertise an illegal money mule position accepting fraudulent funds into your account and transferring them back out to the criminals via Western Union or Moneygram for a percentage cut.

vi) Here is the Money Mule job of "PROCESSING MANAGER" from their website:

Job Description
The task of the Processing Manager is to process payments between our partners' clients and our company, in particular, to manage cash and balance receipts, follow up on accounts, etc. The job is related to remote Internet operations. Every payment order will be accompanied by detailed instruction. It is also the duty to interact and report all the details of every action you take to our manager. The brief training course is enclosed.

* Some details of the work with our company are subject for changes. However that should have give a reason for worries, as our employees are always notified in advance, and participate in work only if they agree to the changes.

Salary
5% - 15% from each transaction depending on the amount of the deal. The exact commission will be discussed right before the deal.

The amounts of our deals vary from $1,000 to $25,000. The number or the deals that you'll take part in is not limited and only depends on your personal skills, responsibility and communication abilities. If our managers see that in your work, you will be responsible for more and more valuable deals with bigger amounts. In other words, your salary depends on you totally, no limits.

Candidate requirements

    * Must be 21 or older.
    * 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
    * Effective interaction with customers
    * Familiar to working online, Internet and e-mail skills
    * The ability of stable communication with our company and on-time and detailed reporting
    * One or several personal bank accounts needed.

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)
    * Interact and associate with other members in order to benefit from their knowledge and experiences
    * Develop high self-respect and esteem.
    * Develop communication and business skills essential for work in other spheres.
    * Receive additional awards and bonuses for good-quality and accurate work.

You have attentively read through the job vacancies and have chosen the one that sounds like a match for you? You are sure that you are able to work for us and you are willing to start working with us? If so, then follow the three steps to apply for the job:

    * Go to our Terms and Conditions. Take time to read and understand every aspect of it.
    * Thoroughly read and understand our Privacy Policy.
    * If you have agreed to the information read in steps 1 and 2, and understand that this job is what you are looking for, please fill out our Registration form

If you have any questions, you can address them to job@anthempremiumfinance.com. You must include your full name and exact reason for contacting us.

Once again, the proposed job could not be clearer - it is the well known and totally illegal money laundering mule position which entails receiving stolen or fraudulent checks into your bank account and immediately wiring them back to the criminals via Moneygram or Western Union. It will get your account closed, your assets frozen and could earn you a criminal record - don't be tempted.

vii) No legitimate company is going to spamvertise among the untrained, inexperienced and uncertified general population for a payments "PROCESSING MANAGER" acting as a spare time, work from home criminal money transfer agent accepting funds into a private account and transferring a balance out via Western Union. Such a proposition defines the company without doubt as criminal and fraudulent.

viii) Contact Details (from the website):

Mailing address:

Anthem Premium Finance.
22917 Pacific Coast Highway
Malibu,
CA 90265
Phones:

(310) 929-5239 (main office)
(310) 929-5239 (voice/fax)

• - They are not listed as a company at the street address of 22917 Pacific Coast Highway, Malibu.
• - The telephone number (310) 929-5239 is listed as being on the San Pedro exchange, not the Malibu exchange.
• - The main office and the voice/fax number are both the same, not exactly indicative of a supposedly large company.

ix) A California State Business Register check shows that the Anthem Premium Finance company is not registered as a company in their supposed location of California - check for yourself. Irrefutable evidence of a fake company and therefore criminal fraud.

x) The Spam:

From: "Personnel Department" <xxxxx@gmail.com>
To: <>
Subject: Income 7,200-12,910. Home-based position. Legal/Finance company
Date: Thu, 11 Dec 2008 21:42:52 +0000

Use your experience and talent to join a first-class business manager
position in AP Finance.
AP Finance is currently looking for active people, who want to get a
prospective and well-paid work.
Our business consulting and trading company looking for people, who
are available to work from home in US.
Are you ready to begin a career filled with freedom, satisfaction, and growth?

We are searching for active workers, male/female from 18 years old.
We are ready to offer you an interesting job and partnership.
We are ready to provide a good salary and profits $1000 - $1500 per week
All start u p fees covered by the company.

Requirements for a job:
- Honest, responsible, industrious;
- cell phone number;
- computer;
- 3 hours of free time daily;
- communication skills

Schedule:

Flexible, Monday to Friday, 5 days per week, upon request, 9:00am - 1:00pm

If you want to get a full description of this job, please email us:
customer.anthempremiumfinance@gmail.com

The above evidence clearly demonstrates beyond any doubt that the Anthem Premium Finance website has been set up by money laundering & re-shipping fraudsters purely for the purpose of spamvertising illegal jobs. If you are a registrar or a host abuse team that has received an abuse report regarding these fraudster's domains or hosting, 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 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.

Anthem Premium Finance Fraudsters - hosting details

Main Domains, Registrars and Hosts

Domain

anthempremiumfinance.com

Registrar

GoDaddy (13-Oct-2008)

Host Network

Servage GmbH

Host IP

92.61.148.107

Suspended
Active
Please notify me of any other current domains used by this criminal.

DNS Data (Valid for anthempremiumfinance.com)

How I am searching:

Searching for anthempremiumfinance.com A record at i.root-servers.net [192.36.148.17]: Got referral to L.GTLD-SERVERS.NET. (zone: com.)
Searching for anthempremiumfinance.com A record at L.GTLD-SERVERS.NET. [192.41.162.30]: Got referral to ns1.servage.net. (zone: anthempremiumfinance.com.)
Searching for anthempremiumfinance.com A record at ns1.servage.net. [77.232.76.14]: Reports anthempremiumfinance.com. Response:

Domain	Type	Class	TTL	Answer
anthempremiumfinance.com.	A	IN	3600	92.61.148.107
anthempremiumfinance.com.	NS	IN	3600	ns1.servage.net.
anthempremiumfinance.com.	NS	IN	3600	ns2.servage.net.
anthempremiumfinance.com.	NS	IN	3600	ns3.servage.net.
anthempremiumfinance.com.	NS	IN	3600	ns4.servage.net.

Looking up at the 2 anthempremiumfinance.com. parent servers:

Server	Response
ns1.servage.net [77.232.76.14]	92.61.148.107
ns2.servage.net [217.70.34.151]	92.61.148.107

The host for this criminal is listed as Servage GmbH on IP address 92.61.148.107

Fraud Blog Initial entry 10th. November 2008 - thanks to Frank Bear for the heads-up on this one.

***Latest Update*** 12th. December 2008

The criminal has a more or less identical parallel alias of AP Finance with a new logo.

***Latest Update*** 15th. December 2008
The domain anthempremiumfinance.com has been disabled - please notify me of any active domains.