KYC Fee? 接案者要小心的匯款詐騙
接案者有一餐沒一餐的生活已經很悲慘了，要是又遇到詐騙case，只能送他一句「詐騙死全家！」算是對詐騙集團最後的尊重吧！
會寫這篇文章的原因除了是自身經歷之外，也是因為發現廣大的中文圈竟然沒有相關文章敘述這種詐騙手法，因此決定當開路先鋒，先去被騙騙看，再來跟各位接案者或是自由譯者分享。不過在此還是先聲明，我沒有被騙任何一毛錢！也希望這篇文章能幫助到其他人，不會被騙錢。
The reason I'm writing this article is not only because it's my personal experience, but also because there aren't many Chinese articles describing this type of scam. Therefore, I've decided to be a pioneer—or a dupe, I should say—getting scammed first, so that I can share my experience with freelancers and translators. For the record, I wasn’t cheated out of any money! I also hope this article can help others avoid being scammed.
近來在各大社群平台中都有許多接案社團或是翻譯案件社團，我當時看到了一個「外國人」發了一篇文章，表示要徵求「多國語言」的譯者，請直接「私訊」她，但文中並沒有提及是什麼樣的案件。（其實在這之前，我大概也知道那些社團裡的案件真假參半，就算是真的案件，也多半是屎缺。）
Recently, there have been lots of freelancer and translation communities on social media, and I happened to see a post in one of them. The typical tactic was this: a seemingly fake account posted to seek translators for various languages without revealing too much detail, asking anyone interested to DM them. Before this, I already had the impression that cases on these pages were mostly a mix of real and fake. Even if it were real, it would probably just be some dirty work.
我也不知道是哪根筋不對，就去私訊她了，這個人一開始會簡單問你會什麼語言，住在哪裡之類的，然後她會突然丟一個「telegram帳號」給你，說這某某人是這個計畫的主持人，你可以直接去聯絡她，看到這邊，離詐騙又更近一步了，我抱持好奇的心態，真的跑去密了這個所謂的計畫主持人。
I didn't know what was wrong with me, but I DM'd that account anyway. This lady first asked some basic questions like what languages I spoke and where I was based. Then she sent me a Telegram account, supposedly belonging to the project owner, and told me that person was in charge, so I should contact her instead. At this point, we were one step closer to internet fraud, but out of curiosity, I contacted the so-called project owner
這位計畫主持人的大頭照是個媽媽和小孩的合照，非常合理，降低你的戒心，她一樣會叫你自我介紹，說說工作經歷，可以翻譯的語言等等。接著就開始一連串的演戲，告訴你有個文件需要翻譯，可以先傳給你看看，你再回報需要多少時間。我當時跟他說大約一星期，她立刻回覆，一星期後正好是交期，太好了，只要你可以在一星期內翻譯完，就可以領到酬勞「2800美金！」，太厲害了，這價碼簡直超英趕美，那不過是份13頁的文件，這價格怎麼看都不合理，雖然我不清楚國外的筆譯行情，但顯然這已經超出我的認知範圍，我心裡覺得她就是詐騙，於是我開始想，她這麼做是要騙我什麼呢？
The profile photo of the project owner was a mom with her children—a perfect fit for a scammer’s photo. In the beginning, she asked me to introduce myself, talk about my work experience, and the languages I was comfortable with. Then she got down to business, saying she had a file for me to translate. After reviewing the file, I told her I needed a week. She immediately replied that the deadline was exactly a week later and that if I could finish the job within a week, I would be paid $2800. Terrific! The price was just too good to be true, given that it was only a 13-page document. Although I didn’t know the usual rate for such a task, her offer was simply beyond my imagination. At that moment, I was convinced she was a scammer, but what was she trying to get from me?
於是我提出了一個請求，要她先付200美元定金，這樣我才要開始翻，果不其然她拒絕了，還說她完全可以理解我這個請求，但他也是有一些拉哩拉雜的難處，沒辦法先付定金，這時我更覺得她是詐騙了，一個2800美元的案子，你連200鎂的訂金都拿不出來？
So, I asked her to pay a $200 deposit before I took the job, but of course, she refused, saying she could totally understand my request, but she had her reasons for not being able to do so. This made her seem even more like a scammer. She offered me $2800 but couldn't even afford a $200 deposit?
反正過了兩三天，我還是把那份文件傳回傳給她了，先說說我的心態，我一開始就認為她應該是詐騙，但我想說我最近白天也閒著沒事，就當作是有人提供我素材練習翻譯，所以我就翻了，也傳回去給她，她還煞有其事地說，我看一下，再跟你說（我心想你最好看得懂）。後來過了沒多久，她就說我翻得很好，跟我要我的Paypal帳號，準備好要匯錢給我了，我給她我的Paypal收款頁面，但她卻又跟我要收款地址，這很不合理，因為Paypal是和email連動的，一般來說只要有email或是收款頁面就可以了，根本沒有所謂收款地址，畢竟又不是銀行帳號。
Anyway, I still sent the file back in a couple of days. I thought I had no other things to do in the morning, so even though I knew it was a scam, I still took it as an opportunity to practice translation. After receiving the file, she told me she needed some time to check it. –That'll be the day.– A few moments later, she replied that I did a great job and she needed my Paypal account to transfer the money to me. I gave her my Paypal page, but she insisted that she needed the "Paypal address." It's weird becasue Paypal is linked to my email, which is all you need to transfer money. There's no such "address" as far as I know.
她開始解釋，她是用Revolut這個網銀轉錢，所以要Paypal地址，後來她傳來一張以假亂真的截圖，上面顯示已轉出2800鎂到我的Paypal地址，但這App介面就是說不出的怪，而且Paypal應該也沒辦法這麼轉錢進去的，總之我本來就不期待她會轉錢過來，畢竟她是詐騙啊！
She explained that she used Revolut to wire money, so she needed the address. Then, somehow, she sent back a suspicious screenshot, showing the transfer was completed—$2800 to my PayPal account. The interface of that app was simply weird and inauthentic, not to mention the fact that PayPal likely wouldn't even accept transfers through that app. Anyway, I didn't expect her transfer in the first place because it was a scam!
所以過了一天我都沒理她，後來她竟然還主動回來問我收到了嗎？我心想見鬼了，你就是詐騙我怎麼會收到，當然是沒有啊，我Paypal裡空得跟黑洞一樣！她這時的語氣還有些惱怒，問說我怎麼沒跟她，這下她得要去找銀行經理理論了（當時是假日，哪家銀行服務這麼好？），總之又過了半天，（她中間還說有時差，她要去睡覺，真的是演全套的）她說銀行經理表示，銀行那邊要收取一筆200鎂的KYC fee，否則這筆錢會進到一個loss account，永遠無法回收，唯一的辦法就是收款人付錢給銀行，才能取回2800鎂，她說她也沒碰過這種情形，而且重點來了，銀行說他們只收USDT，哇靠！你這銀行還真先進啊，拿虛擬貨幣當手續費收。
I didn't reply to her for a day. To my surprise, she got back to me asking if I had received the money. What the heck! How could I have received the money if you’re a scammer? My PayPal balance was empty as a black hole. At this point, she sounded clearly annoyed, asking why I hadn’t told her earlier. Now she would have to argue with her bank manager. –It was a holiday. Which bank offers such wonderful service?– Half a day passed. —She even claimed there was a time difference, so she had to sleep.— Then she came back to me saying that the bank was charging a $200 KYC fee, otherwise the money would go into a loss account forever. The only way to solve this would be for the recipient to pay the fee. She tried to sound innocent by saying this was something she had never encountered before. But here’s the weirdest part: the bank said they only accept USDT! What an avant-garde bank that only accepts crypto!
看到這邊，各位看官應該都看破她的手腳了，沒有任何銀行會跟收款人收KYC費用，而且還高達200鎂，更別提用虛擬貨幣付款了。到這裡，我才知道說，原來這種詐騙手法是靠賺取最後面的200美金，只能說這也太難賺了吧！這些騙子跟我耗了好幾天，就為了騙這200鎂？他們到底是哪國的詐騙集團啊？我印象中詐騙集團沒這麼難賺的啊？
Now I believe you all understand her tactics. No bank will ask for a KYC fee from recipients, let alone a $200 fee paid in crypto. Now I realized that these scammers rely on the so-called "KYC fee" they scam from translators. What a bad business! These scammers spent days with me for just $200? I didn't remember scamming being such a bad business. I wonder what country they are from.
於是我覺得她都誠心誠意地跟我要求兩百鎂了，那我就大發慈悲的拆穿他的手腳。
But since she showed so much sincerity, I thought I'd be better off revealing her ruse.
這樣是不是對她太好了，我應該在假裝上當一陣子，多陪他耗點時間，好讓她不會去騙其他人。
Or actually I should’ve just played along a bit longer, preventing her from scamming others.
其實這手法在英文的討論版有過諸多發問，稍微google一下就可以看到了，但有鑒於大家可能不習慣查看英文資訊，希望這篇文可以幫助到廣大中文圈的讀者，最後還是老話一句，「詐騙死全家！」
There are actually a lot of discussions in English about this type of scam, but not much information is available in Chinese. So, I hope this article can help Chinese readers. And finally, let’s all remember: "scammers go to hell!"
