On a hectic morning in early March 2025, Glenda, a seasoned real estate pro, opened her inbox to find an email that didn’t sit right. It was a request to “review CD documents” for an upcoming closing—nothing unusual in her line of work, except for one thing: the sender wasn’t her usual title company contact, and the message felt oddly vague.
Question: has anyone else been receiving emails with the subject as “Final CD” or similar verbage and a link in the email body but no address or file number. I have received 2 in the last 2 days.
I responded with, “Which property is this email referring to? I will not click on any links without information on which property this is in regards to”
I got a response of “We have all the information you need on this closing on file, Please kindly review CD/Settlement statement and advise if we balanced for closing.”
But they don’t send me the address. I’m feeling like this is not legit. Has anyone else received emails like these?
Trena:
“Anytime they use the word ‘kindly’ is a red flag ”
Melissa:
“I thought I was the only one! I didn’t think it was spam at first, I thought how unprofessional to send this type of email/request. I deleted each one.”
Elaine:
“Sounds like a scam. I would block them.”
Christine:
“I get these fake emails all the time.”
Elisa:
“I don’t open and report phishing”
Peter:
“Are you receiving them from a legit email address of someone you’ve been working with up until closing??”
Kaylin:
“Yep I got this same email this week.”
Candee:
“Yes! I get them too. I report them as phishing so maybe Google or whoever will blacklist the sender.”
Barbara:
“You’re right to never click on links that don’t have a property address. You can always call the title company and ask them if they sent that to you in that form.”
Tricia:
“Just had one of those come in my work email and it is definitely a scam. Don’t click on the links!”
Glenda:
“Tricia, That is the feeling I got as well. Thanks ”
Tricia:
“Glenda, they are getting really good at these scams but luckily you caught it!”
The Incident That Lit the Fuse
Glenda’s email wasn’t a one-off—it was the match that lit a fire. Closing Disclosure (CD) documents are the real deal in real estate, outlining a sale’s final terms. They’re sent by lenders or title companies via secure channels, tied to a specific property, and handled by familiar contacts. But this email? It came from an unfamiliar address, lacked a property reference, and had a link begging to be clicked. Glenda’s gut screamed “scam,” and her post unleashed a flood of confirmation. Trena flagged the “kindly” wording—a scammer’s polite trick—while Melissa admitted she’d seen it too, mistaking it for sloppy work before deleting it. Elaine called it outright: scam.
The thread snowballed. Christine’s “all the time” and Kaylin’s “this week” revealed a pattern—by March 2025, realtors and coordinators were drowning in these fakes. Peter’s question about legit senders and Barbara’s property address rule pinned down the flaws: spoofed emails and vague details. Tricia’s work email hit drove it home—this wasn’t random; it was a targeted attack on pros juggling sensitive deals. Scammers were mimicking a critical closing step, betting on busy schedules and trust to snag a click.
Conclusion: Shutting Down the CD Scam
What Glenda stumbled into wasn’t just a bad email—it was the “CD Documents Scam,” a phishing scheme built to exploit real estate’s high stakes. Those links? They’re traps—malware, fake logins, or data grabs aiming for client funds or personal info. The FBI clocked $446 million lost to email scams in real estate back in 2022; in 2025, it’s a full-on epidemic. But this crew turned it around. Elisa and Candee’s “report and block” combo, Peter and Barbara’s verification hacks, and the group’s collective “don’t click” mantra flipped the script. Glenda’s catch, backed by Tricia’s praise, proved they’re sharper than the scammers.
Here’s your shield: Verify every sender by phone—not email. Demand property specifics; legit CDs have them. Skip links—use secure portals you know. Report fakes to starve the scammers out. This thread’s not just a warning—it’s a rebellion. Share it with your team, your clients, anyone in the game. The CD scam’s out there, but we’ve got the upper hand now. Seen one? Drop it below—let’s keep slamming the door shut