Experts insist that people fall for this stuff and I'm sure that's true in general. Francis V., however, needs to polish his skills or find another line of crime ... and, according to his online trail, he's been at this since at least 2007.

Yet he is nothing if not polite:

"Regards, Francis V., Internal Revenue Service - Tax Refund Specialist

"NOTE: After all steps are complete, please delete the form & letter from your computer & email."

You can never be too careful, after all, or in the final words from Francis V.: "This details are very confidential!"