Bank of America Debt Payment Malware Email
Home Malware Bank of America Debt Payment Request Malware Email

Bank of America Debt Payment Request Malware Email

by Brett M. Christensen

Rather threatening email purporting to be from the Lending Division at Bank of America claims that you have not made any debt payments for the last three months and should click a link to view a full report about the issue.

Brief Analysis:
The email is not from the Bank of America and the link does not open a debt report. Instead, clicking the link downloads malware to your computer.

Subject: Pay for Credit Debt when Possible

Dear Customer!Our Lending Division has looked into your payment record for last year and studied out that payments had not
been made for last 3 months. We are now working on the issue concerning ways to help you with fulfilling
liabilities and settling these arrears.At the same time, we realize you may have had solid reasons for such payment delay. That is exactly why we
are contacting you now. Nevertheless, if you are not resuming your debt settlement, we will have to engage
our enforcement units in commencing the law-suit case against you. This is the compulsory measure, so
unfortunately, we may not help you.Please make at least the very first payment at the earliest possible time. Alternatively, charges may apply,
and then the trial may be run.We have made the full report of your situation. It comprises the payment history, the overall debt amount
effective today, and further recommendations on arranging the issue. Please open and follow instructions as
soon as possible.

The file can be found here: [Link Removed]

Sincerely Yours,
Bank of America
Customer Relations Department

Detailed Analysis:
This email, which is supposedly from the Lending Division at Bank of America, claims that you have not made any debt payments for the last three months.  It warns that, if you do not make a payment at “the earliest possible time”, the bank may engage its enforcement units and commence legal action against you.

The message advises you to click a link to download a full report detailing the supposed debt and then follow the instructions the report contains.

However, the email is not from Bank of America and the link does not open any sort of debt report. Instead, clicking the link automatically downloads a .zip file that contains a JavaScript (.js) file inside. If you click this .js file, a malicious JavaScript will then run. The JavaScript will connect to a remote server and download and install malware on your computer. You may not be aware that this is happening at the time.

The type of malware that is installed by the JavaScript may vary.  It may be ransomware that can lock the files on your computer and then demand that you pay a fee to online criminals to retrieve a decryption key. Or, the malware may collect sensitive information such as banking login credentials and sent it to the criminals.

The criminals responsible for this malware campaign hope that at least a few people will be panicked into clicking the link in the belief that a mistake has been made and the bank wrongly thinks they owe money.  And, of course, if recipients really do have loans with Bank of America, they may be even more likely to click without due caution.

There are several slightly different versions of these malware emails. If you receive one, do not click any links or open any attachments that it contains.

Bank of America Debt Payment Malware Email

Last updated: December 1, 2016
First published: December 1, 2016
By Brett M. Christensen
About Hoax-Slayer

Malware Reports

Importance Notice

After considerable thought and with an ache in my heart, I have decided that the time has come to close down the Hoax-Slayer website.

These days, the site does not generate enough revenue to cover expenses, and I do not have the financial resources to sustain it going forward.

Moreover, I now work long hours in a full-time and physically taxing job, so maintaining and managing the website and publishing new material has become difficult for me.

And finally, after 18 years of writing about scams and hoaxes, I feel that it is time for me to take my fingers off the keyboard and focus on other projects and pastimes.

When I first started Hoax-Slayer, I never dreamed that I would still be working on the project all these years later or that it would become such an important part of my life. It's been a fantastic and engaging experience and one that I will always treasure.

I hope that my work over the years has helped to make the Internet a little safer and thwarted the activities of at least a few scammers and malicious pranksters.

A Big Thank You

I would also like to thank all of those wonderful people who have supported the project by sharing information from the site, contributing examples of scams and hoaxes, offering suggestions, donating funds, or helping behind the scenes.

I would especially like to thank David White for his tireless contribution to the Hoax-Slayer Facebook Page over many years. David's support has been invaluable, and I can not thank him enough.

Closing Date

Hoax-Slayer will still be around for a few weeks while I wind things down. The site will go offline on May 31, 2021. While I will not be publishing any new posts, you can still access existing material on the site until the date of closure.

Thank you, one and all!

Brett Christensen,