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His outgoing chat-room behavior and his frequent online banking activity wasn't a good mix.One day when he was checking his online bank account, a message flashed up that said the bank was running a security check.

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Rather than watching potential customers click away from their e-commerce sites, many businesses have been adding live chat support.

As it turns out, live chat has the ability to provide the convenient answers that customers want, while also adding significant benefits to the staff and bottom line of companies.

Sorry for any convenience, we are carrying [sic] about security of our clients.

(The poor writing of this message — an obvious red flag — should alert the reader that this is a scam.) "This web injection is followed by an elaborate web-chat screen, which is implemented in pure HTML and Java Script," according to Klein.

If it has a problem with your account, the bank probably will call you. The scam offered a "free" $1,000 gift card to potential victims.

They were instructed to go to a website and provide an address and other personally identifiable information (PII) to claim the gift card.

The blank chat box opens up with a message that says "Please wait, someone will be with you shortly." The victim begins the live chat session with the fraudster and supplies his personal banking credentials.

The fraudster steals the victim's identity and the cash in his or her bank account.

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