Greg's Corner

Updates from January, 2024 Toggle Comment Threads | Keyboard Shortcuts

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  Geebo 9:01 am on January 17, 2024 Permalink | Reply
  Tags: check baking, check cooking, check washing ( 14 ), mail theft ( 10 ), Scams ( 1,232 )   

  New version of check washing scam emerges 

  

  By Greg Collier

  In case you’re unfamiliar with check washing, it’s a scam where criminals alter or erase information on a check to gain unauthorized access to funds. The term ‘check washing’ refers to the act of removing or altering the ink from a written check, typically using chemicals such as acetone or other solvents. This allows the fraudster to modify the payee’s name, the amount, or other details on the check.

  The altered check can then be used to withdraw money from the victim’s account or make unauthorized purchases. Criminals engaged in check washing often target outgoing mail or checks left in unsecured locations, such as home mailboxes, where they can easily intercept and modify the checks.

  Now, according to the FBI, there’s a new check scam where the washing part is done electronically. In a new process called ‘check cooking’ or ‘check baking’, a scammer only needs a digital photograph of a check. From there, the scammer can use software to remove any writing that’s on the check. Then, the scammer can print out as many counterfeit checks as they need. Instead of writing one big check like a scammer would with check washing, they can now write out several small checks to stay under the radar. However, by the time the scam is caught, the victim could still lose thousands of dollars to the scammer.

  A scammer would still need to possess a physical copy of one of your checks to commit this scam. To protect yourself from such scams, you may want to consider switching to a different method of payment other than checks. You can always pay your bills through a debit or credit card, or have an automatic payment taken from your bank account.

  If there is a situation where you absolutely have to send a physical check, mail the payment from the inside of your local post office. Whatever you do, don’t leave bills in your outgoing mail at home. Scammers have no hesitation about taking the mail out of your mailbox if there is any hint of a check being in there.

  Additionally, monitoring bank statements regularly for any unauthorized transactions can help detect and report fraudulent activities promptly.

   

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  Geebo 9:00 am on January 16, 2024 Permalink | Reply
  Tags: job scam ( 71 ), repackaging ( 21 ), reshipping ( 21 ), Scams ( 1,232 ), work from home ( 7 )   

  Reshipping scam lands victim in jail 

  

  By Greg Collier

  For some time, we’ve been warning our readers about the reshipping or repackaging scam, and how victims of the scam can run afoul of the law. But first, let’s explain how the scam works.

  The reshipping scam is a type of fraud where scammers recruit individuals, often unwittingly, to receive and reship packages to a different location. The scammers use various tactics to convince people to participate in this scheme, such as fake job offers or work-from-home opportunities.

  Scammers may post job ads or send emails offering individuals the chance to work from home. These offers often promise high salaries and flexible working hours. The job description often details how reshippers receive goods at their home address and act as a quality control agent.

  The scammers provide instructions on how to repackage and forward the received items to another address, often located in a different country. They may claim that it’s part of a global shipping or distribution network, or that they represent a major retailer.

  Unbeknownst to the reshipper, the items they receive and forward are often purchased using stolen credit card information or other fraudulent means. This helps the scammers cover their tracks.

  Victims of the reshipping scam never receive any kind of reimbursement from their supposed employers.

  The real danger of the reshipping scam is that even if the reshipper is unaware of being part of a scam, they can still be arrested for their involvement. One of the ways victims can find themselves in hot water is if they willingly falsify shipping documentation as directed by the scammers to bypass US customs.

  A woman from Toledo, Ohio, was recently arrested for her alleged involvement in a reshipping scam, and she was unaware it was a scam at all. As expected, she applied to a work from home job listing. She was ‘hired’ immediately in an over the phone interview.

  After a month of reshipping, Toledo police officers showed up at her door. It’s unclear what laws she is said to have specifically broken, but she was never paid by her supposed employer. She could have her name cleared and charges dropped later in the investigation, but she did have to post bail. Now, the victim is out of money when she was just trying to provide for her family.

  It’s important for individuals to be cautious about unsolicited job offers, especially those that involve receiving and reshipping packages. Legitimate employers typically do not require employees to use their personal addresses for receiving and forwarding goods. If someone suspects they are involved in a reshipping scam, it’s crucial to cease any involvement immediately and report the incident to authorities.

   
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  Geebo 9:00 am on January 15, 2024 Permalink | Reply
  Tags: Scams ( 1,232 ), shut off scam ( 16 ), utility scam ( 30 ), winter weather ( 6 )   

  Deep freeze scam chills victims 

  

  By Greg Collier

  Recently, a large part of the country has experienced extreme winter weather in some form or another. Whether it’s a major winter storm, or sub-zero temperatures, many Americans are struggling to deal with the winter extremes. With the fear of potentially losing power or heat front in the minds of many, this has been a perfect opportunity for scammers.

  One scam that becomes immediately prevalent during extreme weather emergencies is the shut-off scam. Shut-off scams typically involve fraudsters posing as representatives of a utility company, such as electricity, water, or gas providers. Typically, scammers contact individuals by phone, claiming to be from the utility company. The scammer will create a sense of urgency by stating that the individual’s utility service is about to be disconnected immediately due to an unpaid bill or some other issue. To avoid the supposed disconnection, the scammer will demand immediate payment. They may instruct the victim to pay using unconventional methods, such as prepaid debit cards, wire transfers, or cryptocurrency.

  It’s not just individuals who are targeted in this scam. Essential businesses also find themselves victims of shut-off scams. For example, a daycare in Texas recently lost $5000 to a shut-off scammer while worrying about the families who depend on their service.

  Scammers always want to instill a feeling of fear into their victims. This allows them to dictate the situation with a panicked victim. However, it only takes a little bit of knowledge to thwart shut-off scammers. No legitimate utility company will ever threaten termination of service within an extremely short amount of time, like 15 minutes. Legitimate utility companies typically provide reasonable time for bill payment. Be suspicious if the caller insists on immediate payment using unconventional methods.

  In some parts of the country there are winter or cold weather disconnect moratoriums, also known as “winter protection” or “cold weather rule,” which prohibit utility disconnections during specified periods, often during the winter months. These rules are designed to prevent potential health and safety hazards associated with lack of heating in extreme weather. It’s crucial to check the specific regulations and laws in your locality, as they can differ.

  If you suspect a utility shut-off scam, report it to your utility company and local law enforcement. Additionally, you can inform consumer protection agencies, like the Better Business Bureau, to help prevent others from falling victim to similar scams.

   
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  Geebo 9:00 am on January 12, 2024 Permalink | Reply
  Tags: AI ( 15 ), AI voice ( 9 ), family emergency, grandparent scam ( 65 ), Scams ( 1,232 ), voice cloning ( 23 ), voice spoofing ( 19 )   

  More police warn of AI voice scams 

  

  By Greg Collier

  AI voice spoofing refers to the use of artificial intelligence (AI) technology to imitate or replicate a person’s voice in a way that may deceive listeners into thinking they are hearing the real person. This technology can be used to generate synthetic voices that closely mimic the tone, pitch, and cadence of a specific individual. The term is often associated with negative uses, such as creating fraudulent phone calls or audio messages with the intent to deceive or manipulate.

  Scammers can exploit a brief audio clip of your family member’s voice, easily obtained from online content. With access to a voice-cloning program, the scammer can then imitate your loved one’s voice convincingly when making a call, leading to potential deception and manipulation. Scammers have quickly taken to this technology in order to fool people into believing their loved ones are in danger in what are being called family emergency scams.

  Family emergency scams typically break down into two categories, the virtual kidnapping scam, and the grandparent scam. Today, we’re focused on the grandparent scam. It garnered its name from the fact that scammers often target elderly victims, posing as the victim’s grandchild in peril. This scam has been happening a lot lately in the Memphis area, to the point where a Sheriff’s Office has issued a warning to local residents about it.

  One family received a phone call that appeared to be coming from their adult granddaughter. The caller sounded exactly like their granddaughter, who said they needed $500 for bail money after getting into a car accident. Smartly, the family kept asking the caller questions that only their granddaughter would know. The scammers finally hung up.

  To safeguard against this scam, it’s crucial to rely on caution rather than solely trusting your ears. If you receive a call from a supposed relative or loved one urgently requesting money due to a purported crisis, adhere to the same safety measures. Resist the urge to engage further; instead, promptly end the call and independently contact the person who is claimed to be in trouble to verify the authenticity of the situation. This proactive approach helps ensure protection against potential scams, even when the voice on the call seems identical to that of your loved one.

   
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  Geebo 9:00 am on January 11, 2024 Permalink | Reply
  Tags: Amazon ( 104 ), bank scam ( 64 ), brushing scam ( 17 ), customer service ( 49 ), impersonation scam ( 116 ), Scams ( 1,232 ), Wells Fargo ( 11 )   

  Bank refused to stop fraudulent wire transfer 

  

  By Greg Collier

  A man from Utah fell victim to two different scams, which resulted in scammers taking $10,000 from his bank account.

  The first scam that targeted him was the brushing scam. He was receiving several deliveries from Amazon that he didn’t order. Third-party Amazon vendors do this to game the review system, so phony reviews can have the ‘verified purchase’ tag added to them. This scam can be relatively harmless to consumers unless their Amazon account has been compromised, which this man wanted to find out.

  The second scam he fell into was a customer service impersonation scam. He Googled the number for Amazon’s customer service department, which wasn’t Amazon at all. Instead, it was a scammer’s call center posing as Amazon. Scammers will often pay search engines to have their scam phone number placed higher than the actual company they’re imitating. The phony Amazon rep told the man that it appeared someone had wired $10,000 to New York without his permission. Amazon, and other retailers, cannot access your bank records, if you think you’re speaking with Amazon, and they ask for your banking details, the odds are you’re being scammed.

  When the phony rep asked for the man’s credit card information, he realized he was being scammed. He went to his local Wells Fargo branch, since that was who he banked with. The branch manager told him there was, in fact, a wire transfer going out to New York for $10,000. When the man asked the manager to stop the transfer, he was instead referred to Wells Fargo’s fraud department, who told him that would investigate the matter and get back to him in ten days. It only took one day for the $10,000 to disappear from the man’s account. When the fraud department finished their investigation, they denied the man’s claim, saying that someone using the man’s username and password made the transfer, which made the man responsible for the financial loss.

  Mysteriously, once the man contacted his local TV news station about the matter, Wells Fargo reimbursed his money. As we have detailed in previous stories like this one. That seems to be the only way bank scam victims can get a refund, and even then, it’s not a guarantee.

  To safeguard yourself, it’s advisable to visit the official website of a company to obtain accurate contact information for addressing any issues you may encounter. Relying on contact details obtained through online searches can be unreliable. Additionally, refrain from sharing passwords or passcodes with anyone, and avoid granting remote access to your laptop or phone unless you initiate the call using the authentic contact number. Financial institutions typically request passwords or passcodes exclusively through their official app or website.

   
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  Geebo 9:00 am on January 10, 2024 Permalink | Reply
  Tags: celebrity scam ( 2 ), impersonation scam ( 116 ), romance scam ( 68 ), Scams ( 1,232 )   

  Celebrity romance scam victim accused of poisoning husband at direction of scammer 

  

  By Greg Collier

  One version of the romance scam we don’t talk enough about is when the scammers pose as a celebrity.

  Scammers create a fake profile on social media or dating websites, using the name, photos, and other information of a popular celebrity. They may also use stolen images from the internet to make the profile appear more convincing.

  The scammer initiates contact with potential victims, often reaching out to them via direct messages, comments, or friend requests. They may use flattering language and compliments to make the target feel special.

  The scammer invests time in building a virtual relationship with the victim. They may engage in conversations, share personal stories, and express romantic interest to create a sense of emotional connection.

  At some point, the scammer introduces a fabricated crisis or urgent situation that requires financial assistance. This could be a medical emergency, legal trouble, or any other scenario designed to evoke sympathy and a desire to help.

  However, there’s at least one scammer out there who has no compunction about asking his victims to kill.

  This scammer posed as a 57-year-old soap opera star, and targeted a 64-year-old married woman. There aren’t many details on how the scam was perpetrated in this instance, but what is known is the victim did give $8000 to the scammer. Apparently, that was not enough money for the scammer.

  Last month, the woman’s 73-year-old husband was rushed to the hospital with an unknown ailment. While at the hospital, the couple’s daughter noticed strange messages on her mother’s phone that appeared to come from the soap opera actor.

  The message from the scammer that allegedly started this whole incident read, “You have to get rid of your husband honey. I need you so much.” The woman replied that she would be making soup for her husband that would be a special recipe. After her husband was taken to the ER, she sent another message stating that her husband wasn’t feeling well, and maybe she could collect a life insurance payout. The scammer asked her when would that be.

  If it wasn’t for their daughter, the husband may have been murdered at the behest of a scammer. Unfortunately, there is no happy ending in this story, since the wife has been charged with attempted murder.

  While often romance scam stories are dismissed as gossip and sensationalism, they can have grave repercussions. Romance scams affect both men and women, and have victimized people from every walk of life. It can affect people who are living paycheck to paycheck, and all the way up the corporate chain to CEOs. In too many instances, victims have lost their lives or their freedom after falling victim to such scams.

  To avoid falling victim to celebrity impersonation romance scams, it’s crucial to exercise caution when interacting with individuals online, especially those claiming to be famous personalities. Be skeptical of requests for money from people you’ve never met in person, and verify the legitimacy of online connections before sharing personal information or financial details. If in doubt, consider reporting suspicious activity to the platform administrators.

   
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  Geebo 9:00 am on January 9, 2024 Permalink | Reply
  Tags: Cash App ( 41 ), real estate ( 118 ), rental scam ( 84 ), Scams ( 1,232 ), social media ( 73 )   

  Scammer demands deposit for unauthorized home tour 

  

  By Greg Collier

  A family from Tennessee was looking to move to another part of the state, searching for better job opportunities. They made their intentions known on social media, where they were approached by someone claiming to be a realtor. The realtor told the family he has a home in the area they’re looking to move to. The family was then asked for a $750 deposit. The $750 wasn’t meant as some form of security deposit or holding cost. The realtor said the family needed to pay the $750 just to tour the home.

  Unfortunately, the family paid the realtor the $750 through Cash App. When the family went to meet the realtor at the property, the realtor never showed up. When the family contacted the realtor again, he said he would be there the next day. The next day came, but still, the realtor failed to show up. This time, the realtor claimed that he had been stopped by police and even provided the family a picture of the police officer. It later turned out the police officer in the photo was from another state.

  The family started becoming suspicious about the deal when the realtor sent the family a picture of himself with a realtor’s license. Then the realtor tried to get even more money out of the family by offering them a refund of the $750, but the family would have to pay another $100 claiming that was Cash App’s business fee for the refund. When the family contacted Cash App, they were told there was no such fee.

  If you’re getting ready to make a big life change like moving into a new home, you may want to keep that decision off social media. Sadly, there are too many scammers who are tuned into certain keywords that help them find victims. If you’re approached by a stranger on social media who claims they can help you, be very suspicious and do not give them any money, especially through payment apps like Cash App, Venmo and Zelle.

  To safeguard against rental scams, conduct thorough research on the property. Rather than relying solely on the landlord’s proof of ownership, reach out to the county’s tax assessor’s office to verify the actual property owner. Additionally, perform a Google search using the property’s address to identify any discrepancies in multiple listings, especially differing rental rates. A lower-priced listing among them is likely a fraudulent scheme.

   
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  Geebo 9:00 am on January 8, 2024 Permalink | Reply
  Tags: Apple ( 28 ), gift cards ( 98 ), lawsuit ( 47 ), Scams ( 1,232 )   

  Apple settles lawsuit over gift card scams 

  

  By Greg Collier

  There’s a phrase we often use when discussing gift card scams, and that is gift cards are the currency of scammers. What we mean by that is, unless you’re presenting someone with a gift card as an actual gift, if someone asks you for payment in gift cards, you’re more than likely being scammed. However, it’s not just scammers who make money from gift card scams. The issuers of these cards make money as well.

  Apple Computers were one of the pioneers in modern gift card sales. The company introduced its first gift card, the iTunes Gift Card, in 2003. Initially, it was designed for users to purchase and download music, movies, TV shows, and other digital content from the iTunes Store.

  Over the years, as Apple expanded its product and service offerings, the gift cards evolved to cover a broader range of Apple services and products. The iTunes Gift Card was eventually rebranded as the Apple Gift Card to reflect its versatility across various Apple platforms.

  Apple gift cards can be used to purchase not only music and movies but also apps, games, books, iCloud storage, and even hardware products like iPhones, iPads, Macs, and accessories.

  Since Apple hardware can be purchased, the gift cards have become highly coveted among scammers. They’ll purchase the high-end items before selling them for a substantial profit.

  According to a recent lawsuit, Apple is also allegedly making money from these scams. When an Apple gift card is purchased, Apple keeps 30% of that purchase price. Like many gift card issuers, Apple has been reluctant to assist victims who have lost money to Apple gift card scams.

  That lawsuit was recently settled, although a settlement amount has yet to be disclosed. However, the settlement affects anyone who lost money to an Apple gift card scam from 2015 to July 31, 2020, and did not receive a refund from Apple.

  Unless you’re actually giving someone a gift, gift cards should never be used as a form of payment to people you don’t know. No legitimate company, agency, or online seller, will ever ask for gift cards as payment. Another reason we call them the currency of the scammer is they’re virtually untraceable once the card is depleted.

   
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  Geebo 9:00 am on January 5, 2024 Permalink | Reply
  Tags: cryptocurrency ( 43 ), investment scams ( 8 ), pig butchering scam ( 11 ), Scams ( 1,232 ), stock market   

  Victim loses $90K in new version of infamous crypto scam 

  

  By Greg Collier

  One of the more egregious scams that has proliferated in the past year or so is the so-called pig butchering scam. It’s known as the pig butchering scheme due to the way scammers ‘fatten up’ their targets through emotional manipulation before ultimately guiding them to the financial slaughterhouse.

  Typically, pig butchering scams are a form of the romance scam. Once trust is established, scammers persuade their victims to invest in cryptocurrency. They steer the victims towards a fraudulent cryptocurrency exchange under their control, creating the illusion of rapid investment growth. However, when the victims attempt to withdraw their alleged profits, they are informed that additional payments are required before they can access their earnings. Regardless of the amount paid, the victims never receive any returns.

  However, more recently, a man from Missouri recently lost $90,000 to a similar scam except no romance was involved. The man had been successful investing in the stock market and wanted to get a jump on the next wave of investing. It was his belief that AI would be the next hot ticket in the investment market. So, he took an online class he thought was using Elon Musk’s Quantum AI technology to predict the stock market.

  The instructor of the class told his students the stock market was about to crash, and suggested they should sell their investments and invest the money into a cryptocurrency exchange. This is where the usual pig butchering takes place, and this story is no exception.

  After the Missouri man invested his $90,000 into the crypto exchange, he was told his investment garnered him a $2.5 million windfall. When the man tried to get his money out of the exchange, they told him he would need to upgrade to VIP status to withdraw his profits, and that would cost another $50,000. That $50,000 application fee couldn’t be taken out of his profits either, he would have to wire an additional $50,000. That’s when the man realized he had been scammed.

  While online investment classes can provide valuable education and insights into financial markets, there are potential dangers associated with them. Some online investment classes could be fronts for scams or fraudulent schemes. Participants may be persuaded to invest in fake or non-existent opportunities, resulting in financial loss.

  Unlike traditional financial institutions and educational programs, online investment classes might not be subject to the same level of regulatory oversight. This makes it easier for unscrupulous individuals to take advantage of unsuspecting participants.

  Some classes may create a sense of urgency to invest quickly or capitalize on time-limited opportunities. This pressure can lead participants to make impulsive decisions without proper research or consideration.

  To mitigate these risks, individuals interested in online investment classes should thoroughly research the course provider, check for reviews and testimonials, and approach any promises of guaranteed returns with skepticism. Additionally, seeking education from reputable financial institutions, universities, or well-known industry experts may offer a more secure learning experience.

   
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  Geebo 8:31 am on January 4, 2024 Permalink | Reply
  Tags: healthcare ( 36 ), Ozempic, pharmacies ( 8 ), prescription drugs ( 3 ), Scams ( 1,232 )   

  Online Ozempic sales pose a threat to consumers 

  

  By Greg Collier

  Ozempic is a brand name medication used to treat type 2 diabetes. It is typically used in conjunction with diet and exercise to improve blood sugar control in adults with type 2 diabetes.

  During clinical trials for Ozempic’s approval for diabetes treatment, researchers noted that participants experienced weight loss as a side effect. This observation prompted further investigation into the potential use of Ozempic specifically for weight management.

  Some healthcare professionals may prescribe medications off-label, meaning for a purpose other than what the drug was initially approved for. This has led to a rush on Ozempic prescriptions for patients who do not have diabetes, and only want the medication for quick weight loss. However, Ozempic has not been officially approved by the Federal Food and Drug Administration for weight loss. This has led to a shortage of the medication, which is negatively affecting diabetes patients.

  When a drug like this becomes popular, especially for the sake of vanity, scammers and counterfeiters will try to separate those seeking the drug for its off-label effects from their money. This is a scam that is as old as the internet. If you were online during the late 1990s and early 2000s, you probably had your spam folder flooded with offers for cheap Viagra. While we haven’t seen offers for Ozempic in our inboxes, they have been posted all over social media and less reputable online marketplaces.

  If someone were trying to buy Ozempic from a fraudulent service, the odds are they would pay their money and get nothing in return. In a worst-case scenario, consumers could receive any kind of concoction they would end up injecting into their systems.

  Some of these phony services even go as far as having the buyer undergo a virtual consultation with one of the scammers posing as a doctor.

  Even if someone were to receive an actual shipment of Ozempic, if they’re not using it under a real doctor’s care, the effects could be devastating. Using too much Ozempic could lead to hypoglycemia, pancreatitis, and kidney injuries, just to name a few.

  These scam services are also having their customers pay through some of the usual avenues preferred by scammers, such as payment apps like Venmo and cryptocurrency.

  Ozempic, like any prescription medication, should only be used under the direction of your physician. Using medications without proper medical supervision can be risky and may lead to adverse effects.

  Self-prescribing or obtaining Ozempic without a prescription can pose serious health risks and is not recommended. Always consult a healthcare provider to determine the most suitable and safe approach to weight management.