Field guide · No. 09 · Marketplace · Email · Listings

Rental and deposit scams

The tell: A bargain home, a landlord who can't meet you, and a deposit to "hold" it before you've seen it.

Thank you for your interest. I am a missionary currently out of the country, so I cannot show the apartment. To reserve it, send the first month and a security deposit by transfer today and the keys will be mailed to you. Other people are interested.

Check this example

How it works

  1. A listing for a lovely home at a below-market rent, using photos copied from a real listing or a holiday-rental site.
  2. The “landlord” is away: abroad, working, on a mission. They can’t show it, but the keys can be posted.
  3. To secure it, you must send a deposit, usually by an irreversible method, quickly because “others are interested”.
  4. The keys never arrive. The real owner has never heard of you.

The tells

  • The rent is much lower than similar homes nearby.
  • The landlord can’t meet you, show the place or provide a live video of it.
  • Payment demanded before you’ve seen the property, by wire, Zelle, crypto or gift cards.
  • A story that explains why nothing can be done in person.
  • The same photos appear on other listings (try a reverse image search).

What to do

  • Never pay a deposit before seeing the property in person, or a live video of the actual place, and meeting someone who can show they’re entitled to rent it.
  • Check the property’s ownership or management through public records where you live, and call the agency’s office using a number you find yourself.
  • Pay by a traceable method that offers some protection, and get a written agreement first.
  • If you’ve already paid: contact your bank at once, then report the listing to the site and to your national fraud agency.

Where to report it

Anywhere in the world
  • Your bank or card provider. First, if money or card details are involved. Use the number on your card.
  • The platform where it happened. Use its “Report” button: the marketplace, the messaging app, the social network.
  • Your local police. If you’ve lost money, and for a reference number your bank may ask for.
  • Your national fraud or consumer-protection agency. Search for it by country; use a government address (.gov or the equivalent).
United States

Links last checked 2026-10-12.

United Kingdom
  • Forward suspicious emails to report@phishing.gov.uk — Handled by the National Cyber Security Centre.
  • Forward suspicious texts to 7726 — Free. Your mobile provider receives the report.
  • Report Fraud (England and Wales) — If you’ve lost money or been hacked. Phone 0300 123 2040.

Links last checked 2026-10-12.

Canada

Links last checked 2026-10-12.

Australia
  • Scamwatch — Run by the national consumer regulator.

Links last checked 2026-10-12.