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  • Geebo 9:16 am on December 31, 2024 Permalink | Reply
    Tags: , parking tickets, ,   

    Parking Ticket Scams on the Rise! 

    Parking Ticket Scams on the Rise!

    By Greg Collier

    Parking scams are becoming an increasingly concerning issue in cities across the country. These schemes, designed to trick unsuspecting drivers into providing sensitive financial information, have already been reported in multiple locations and could potentially spread to other urban areas.

    The scam typically targets individuals using popular parking systems in metropolitan regions. In one variation, drivers receive a fraudulent text message claiming they have an outstanding parking citation. The message often includes a link, encouraging recipients to pay immediately to avoid additional fees. While it may appear legitimate at first glance, clicking on these links can expose individuals to malware, ransomware, or phishing attempts.

    Cities affected by this scam, such as Charlotte and Milwaukee, have emphasized that they do not notify drivers of parking violations through text messages with embedded payment links. Official notifications, in most cases, are issued through traditional means, such as paper citations left on vehicle windshields or letters sent via the postal service. For drivers who are unsure about the authenticity of a parking ticket, cities provide secure websites where payment and citation details can be verified.

    The broader concern is the likelihood of this scam expanding to other regions. With technology playing an integral role in parking systems, bad actors may see this as an opportunity to exploit similar systems elsewhere. Drivers in any city that relies on mobile apps, text-based parking services, or online payment portals should be wary of unsolicited messages related to parking fines.

    The consequences of falling for such schemes can be severe. Providing payment information through fraudulent links can lead to unauthorized transactions, and in some cases, devices can become compromised by malicious software. Individuals who suspect they have been targeted or have accidentally engaged with one of these messages are advised to contact their financial institutions immediately to secure their accounts.

    Urban areas must remain proactive in addressing these threats. Public awareness campaigns, clear communication about legitimate notification methods, and accessible verification resources can help curb the impact of these scams. Drivers, on their part, should remain cautious and skeptical of any unexpected messages related to parking citations, particularly those that urge immediate payment.

    As this issue evolves, it’s clear that vigilance is key. By staying informed and relying on official channels, drivers can protect themselves from falling victim to these increasingly sophisticated scams.

     

  • Geebo 9:00 am on December 30, 2024 Permalink | Reply
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    Holiday Scam Alert: Ankle Monitor Hoax 

    Holiday Scam Alert: Ankle Monitor Hoax

    By Greg Collier

    Scammers are once again exploiting vulnerable families, this time through a troubling ankle monitor scam reported in multiple municipalities, including Cherokee County, Georgia. This deceptive scheme is particularly concerning during the holidays, a time when many are preoccupied with wanting to see their loved ones.

    The scam involves individuals impersonating law enforcement officers, targeting families of people who have recently been in custody. These callers claim to represent the local sheriff’s office, presenting a false and urgent demand. They tell families they must pay $2,000 for an ankle monitor to secure the release of their loved one or, in cases where the individual has already been released, they threaten to re-arrest the relative unless payment is made.

    Authorities in Cherokee County, among others, have emphasized that no law enforcement agency will ever demand payment through a call or text message. Requests like these are red flags of fraudulent activity. The correct course of action is to hang up immediately and report the incident by contacting 911.

    This scam is not unique to Cherokee County. Similar schemes have been reported in other jurisdictions, with slight variations in the story and demands. It’s essential for families to familiarize themselves with the specific policies and procedures of their local law enforcement agencies. Rules and practices regarding ankle monitors, bail payments, and similar matters differ from one municipality to another. This knowledge is vital to avoid falling victim to such scams.

    The holiday season, unfortunately, is a prime time for scammers. They take advantage of heightened emotions, financial pressures, and the general busyness that accompanies this time of year. Scammers often rely on creating a sense of urgency, hoping their victims will act impulsively out of fear or concern for a loved one.

    Protecting yourself and your family starts with staying informed. If you receive a suspicious call, resist the urge to comply immediately, no matter how convincing the caller may seem. Always verify claims by reaching out directly to the relevant authorities. Avoid providing personal information or making payments over the phone unless you are absolutely certain of the caller’s identity.

    As we celebrate the holidays, let’s remain cautious against these scams that prey on our kindness and concern for loved ones. By staying alert and informed, we can ensure that the season remains a time of joy and giving, not one of loss and regret.

     

  • Geebo 9:00 am on December 27, 2024 Permalink | Reply
    Tags: counterfeit drugs, GLP-1 weight-loss medications, , , , , Wegovy, weight loss drugs   

    Weight-Loss Drug Scams Pose Many Risks 

    Weight-Loss Drug Scams Pose Many Risks

    By Greg Collier

    The skyrocketing demand for GLP-1 weight-loss medications, such as Ozempic, Wegovy, and similar treatments containing semaglutide, has not only transformed the healthcare landscape but has also created fertile ground for online scams. While these medications have been celebrated for their effectiveness in treating certain health conditions, they should only be taken under the guidance of a licensed healthcare provider and for approved purposes. Unfortunately, the allure of these drugs has led to a surge in fraudulent schemes targeting individuals seeking them.

    The demand for GLP-1 medications has grown exponentially, fueled by their reputation as powerful tools for managing weight and certain health issues. Ozempic, originally developed to treat type 2 diabetes, and Wegovy, approved specifically for chronic weight management, have become household names. However, several barriers, including high costs, insurance limitations, and ongoing shortages, have made these drugs difficult to access for many people. This challenging environment has opened the door for scammers, who exploit the desperation of those looking for affordable alternatives.

    Fraudsters have employed tactics ranging from impersonating medical professionals on social media platforms to posting fake listings on online marketplaces. These schemes often promise discounted medications but deliver counterfeit or ineffective products, if anything at all.

    Social media platforms have also played a significant role in the proliferation of these scams. Some algorithms, designed to engage users by showing them relevant content, have inadvertently helped scammers target individuals interested in weight loss. Videos showcasing what appear to be legitimate branded medications often surface on unsuspecting users’ feeds, creating an illusion of credibility.

    Despite growing awareness of the issue, efforts to curb these scams on social media platforms have faced criticism for being insufficient. The rapid dissemination of fraudulent content underscores the need for more robust monitoring and enforcement mechanisms.

    Complicating the situation further is the legal landscape surrounding compounded medications. Compounded medications are customized drugs created by licensed pharmacists or compounding pharmacies to meet the specific needs of an individual patient. Unlike mass-produced medications, compounded drugs are made by combining, mixing, or altering ingredients based on a prescription from a licensed healthcare provider.

    When brand-name drugs face shortages, compounding pharmacies are permitted to create alternative formulations. While this practice can provide a legal and beneficial solution in some cases, it has also created opportunities for bad actors to market unregulated and potentially unsafe products.

    The U.S. Food and Drug Administration (FDA) has emphasized that compounded drugs are not FDA-approved and has urged consumers to exercise caution when purchasing them. Beyond financial loss, victims of these scams may unknowingly expose themselves to serious health risks by using unverified substances.

    While the promise of effective weight-loss medications can be enticing, they should only be obtained through legitimate channels and under the guidance of a healthcare professional. The risks of engaging with unverified sources far outweigh any potential benefits. By prioritizing safety and reporting suspicious activities, individuals can help combat the growing threat of online scams in this space.

     

  • Geebo 9:00 am on December 26, 2024 Permalink | Reply
    Tags: , , , ,   

    Stay Warm, Stay Safe: Avoid Utility Scams 

    Stay Warm, Stay Safe: Avoid Utility Scams

    By Greg Collier

    As temperatures across Texas plunge into near or below-freezing conditions, the season’s first major cold snap brings not only frosty weather but also heightened risks of scams targeting residents. Cold weather presents a unique opportunity for scammers to exploit people’s concerns about maintaining access to heat and other essential utilities. Understanding how these schemes operate and knowing your rights can help protect you and your family from falling victim.

    Cold-weather utility scams often take the form of urgent texts, calls, or emails from individuals impersonating utility companies. These fraudulent communications typically claim that service will be disconnected immediately unless payment is made. This pressure tactic relies on fear, especially during freezing conditions when heat is critical. Scammers may request payment through untraceable methods, direct users to fake payment portals, or provide misleading callback numbers.

    For residents of Texas, it is important to know that utility companies are legally restricted from disconnecting electric or gas services under certain cold weather conditions. Regulations stipulate that disconnection cannot occur when the previous day’s high temperature did not exceed 32 degrees Fahrenheit and the temperature is forecasted to stay at or below freezing for the next 24 hours, as verified by the nearest National Weather Service station. These rules are in place to ensure that no resident is left without heat during dangerously cold weather, barring specific safety concerns.

    If you receive a notice threatening disconnection, it’s crucial to stay calm and verify the claim. Instead of responding to the message, contact your utility company directly using a phone number from a trusted source, such as your latest bill or the company’s official website. Do not rely on links or numbers provided in unsolicited messages, as these are common tactics used by scammers.

    Scammers also employ various strategies to lend credibility to their schemes. They may claim that your automatic payment failed or that there’s a technical issue with the company’s usual payment system, pushing you to use an alternative link or pay over the phone.

    Residents in other cold-weather locations should also remain vigilant. Similar scams are known to surface during winter across the country, exploiting local weather conditions and utility regulations. Knowing your rights and understanding shut-off laws in your area can be an invaluable defense. Many states have cold-weather disconnection policies, and it’s worth reviewing these rules through your state’s public utility commission.

    To further safeguard yourself, review your utility provider’s guidelines on communication and payment procedures. Many companies provide details about how they handle delinquent accounts, what information they request over the phone, and how to identify their employees.

    Staying informed and cautious can ensure that you remain warm and secure during winter’s coldest days, without falling prey to fraudulent schemes. If you believe you’ve encountered a utility scam, report it to your state’s utility commission or a consumer protection agency. Your vigilance helps not only you, but others in your community avoid becoming victims of these scams.

     

  • Geebo 9:00 am on December 24, 2024 Permalink | Reply
    Tags: , consumer fraud, Honey, , ,   

    Honey’s Hidden Cost: Deceiving Consumers 

    Honey's Hidden Cost: Deceiving Consumers

    By Greg Collier

    Honey, a widely used browser extension owned by PayPal, has recently found itself at the center of controversy, accused of deceptive practices that harm consumers and creators alike. While the extension is marketed as a money-saving tool that helps users find discounts and cashback opportunities, a recent investigation suggests its operations might not align with its promises.

    A detailed exposé, posted on YouTube by creator MegaLag, has sparked widespread debate about Honey’s practices. The video accuses the extension of misrepresenting itself to consumers, undermining content creators, and engaging in questionable tactics to secure commissions on online sales. These revelations have left many questioning the ethics of the app and its impact on the broader ecosystem of online shopping and affiliate marketing.

    Honey’s primary allure is its promise to help shoppers save money by automatically applying coupon codes at checkout. According to the company, it earns a commission from partner merchants when users make purchases, sharing part of that commission through cashback. On the surface, this seems like a win-win for consumers and retailers. However, the investigation claims otherwise, alleging that Honey fails to find the best deals and deliberately prioritizes codes from its own partners, even when better discounts are available elsewhere.

    Perhaps even more troubling is Honey’s alleged treatment of influencers and creators. The investigation accuses the extension of overriding affiliate links embedded in creators’ content, replacing them with its own referral codes. This ensures Honey earns the commission and not the creators who actually recommended the products. This practice has reportedly led some creators to terminate their partnerships with Honey quietly, frustrated by the betrayal of trust.

    The implications of these practices extend beyond creators. By replacing affiliate links, Honey effectively diverts revenue away from influencers who rely on those commissions to sustain their work. Creators who had previously promoted Honey now find themselves in an awkward position, as their endorsements inadvertently directed their audiences to an extension that undercut their own earning potential.

    Additionally, businesses themselves may be feeling the sting. Honey is accused of applying unauthorized coupon codes, which can lead to financial losses for merchants and sometimes force them to raise prices to compensate. While the company asserts that it reduces cart abandonment and drives conversions, critics argue that its tactics ultimately harm both consumers and businesses, undermining trust in online shopping.

    For consumers, the revelations serve as a reminder to approach seemingly ‘free’ tools with caution. While Honey positions itself as a consumer ally, the accusations suggest its true interests lie in maximizing its own profit—sometimes at the expense of those it claims to help. And for creators, the controversy underscores the importance of scrutinizing partnerships and advocating for fair treatment in the ever-evolving landscape of online monetization.

    As the discussion around Honey’s practices continues to unfold, it raises broader concerns about the accountability of tech companies and the fine line between convenience and exploitation. Whether Honey will address these criticisms directly or make changes to its model remains to be seen, but the controversy serves as a stark reminder of the complexities lurking behind the tools we use every day.

     

  • Geebo 9:00 am on December 23, 2024 Permalink | Reply
    Tags: , , , , ,   

    Protect Yourself from Holiday Delivery Scams 

    Protect Yourself from Holiday Delivery Scams

    By Greg Collier

    The week leading up to Christmas is a pivotal time for those relying on the U.S. Postal Service (USPS) to send or receive last-minute packages. With millions of pieces of mail being delivered daily during the holiday season, consumers eagerly awaiting their deliveries are often targeted by scammers using deceptive tactics.

    One of the most prevalent schemes during this time is the use of fraudulent text messages designed to appear as legitimate delivery updates from the USPS. These messages often include a web link or phone number, prompting recipients to provide personal or financial information. However, if you haven’t specifically signed up for USPS tracking updates, any unsolicited communication should raise a red flag.

    This type of scam, known as ‘smishing’, involves using text messages to lure individuals into sharing sensitive information such as usernames, passwords, Social Security numbers, or payment details. Fraudsters often impersonate trusted entities like government agencies or financial institutions to make their requests seem credible. Once they obtain this information, it can be sold on the dark web or used for further fraudulent activities.

    Smishing messages are crafted to exploit the recipient’s sense of urgency or curiosity. During the holiday season, when people are keenly tracking their packages, these scams become even more convincing. The U.S. Postal Inspection Service cautions against responding to any unexpected messages, particularly those that request account verification or payment details.

    USPS officials emphasize that the agency does not send unsolicited text messages regarding packages. If you receive such a message, avoid clicking on links, replying, or calling any numbers provided. Instead, independently verify the sender’s legitimacy by visiting the organization’s official website or contacting their customer service using trusted contact information.

    The USPS offers several secure methods for tracking your mail and packages. When you send a package, the receipt includes a tracking number. This number can be entered on the USPS website to check delivery status. Official replies will always include USPS branding, the tracking number, and delivery details.

    Another useful tool is USPS Informed Delivery, which provides an email preview of incoming mail and packages. Signing up for these services ensures you can stay informed without relying on unsolicited notifications.

    Always remember that legitimate organizations, including the USPS, will not request personal or financial information via text message. If you receive a suspicious message, delete it immediately and do not engage with the sender. Enable two-factor authentication for online accounts to add an extra layer of protection, and regularly monitor your financial statements for unauthorized activity.

    During the holiday season, as you wait for your packages to arrive, taking these precautions can help safeguard your personal information. By using the USPS’s official tools and staying alert, you can ensure your holiday deliveries are secure and stress-free.

     

  • Geebo 9:00 am on December 20, 2024 Permalink | Reply
    Tags: , , , ,   

    Unraveling a $1M Scam with No Justice 

    Unraveling a $1M Scam with No Justice

    By Greg Collier

    A deeply troubling case has emerged, showcasing the devastating impacts of financial scams on vulnerable individuals. In Smithfield, North Carolina, private investigators tracked down suspects believed to have defrauded a 98-year-old military veteran of nearly $1 million. Despite uncovering significant evidence, law enforcement agencies have not pressed charges, raising questions about the challenges of prosecuting such crimes.

    The incident began innocuously in late 2023 when the elderly woman encountered a fake computer virus alert. A phone number displayed on her screen led her to scammers posing as helpful technicians. Under the guise of resolving a non-existent problem, they gained remote access to her computer, learning extensive details about her life, including her military background and academic achievements. Armed with this information, they wove a manipulative narrative, falsely accusing her of possessing illegal material and pressuring her to pay them to avoid prosecution.

    The woman was coerced into withdrawing funds and sending cashiers checks totaling over $800,000. The scheme’s sophistication and psychological manipulation reflect the expertise of the perpetrators. By the time her family intervened, the scammers had drained nearly all her savings and were urging her to sell her home to provide more money.

    Private investigators were able to trace some of the checks to physical addresses in North Carolina, tied to businesses and individuals allegedly involved in the operation. Surveillance revealed significant home renovations and luxury upgrades at these addresses, raising suspicions about the origins of the funds. Yet, despite clear leads and documented evidence, no arrests have been made.

    This situation underscores the difficulties inherent in prosecuting financial scams. While the investigators consider this case relatively straightforward, scams of this nature often involve transnational networks. Criminal organizations based overseas rely on U.S.-based collaborators to launder stolen funds, creating layers of separation that complicate legal accountability. Even when specific individuals or entities are identified, building a prosecutable case demands clear evidence of intent and direct involvement in the overarching scam. Local participants may claim ignorance or present plausible deniability, asserting that they were unaware of the criminal origins of the funds.

    Jurisdictional challenges further hinder the pursuit of justice. State, local, and federal agencies often struggle to coordinate effectively in addressing crimes spanning multiple locations. Additionally, limited resources and the complexity of financial crime investigations can discourage authorities from pursuing cases perceived as arduous or unlikely to yield successful prosecutions.

    For victims, the road to restitution is often bleak. Once funds are transferred into the intricate channels of a scam network, recovering them becomes nearly impossible. The emotional and financial toll on victims is immense, as evidenced by the profound impact this ordeal has had on the elderly veteran’s health and well-being.

    The broader lesson from this tragedy is the urgent need for greater public awareness, enhanced legal frameworks, and improved collaboration among law enforcement agencies to combat such crimes. Scammers are highly skilled at exploiting trust and vulnerability, proving that no one is immune from their tactics. While prevention is key, ensuring that perpetrators face consequences is essential to deterring future crimes and delivering justice to victims. Without systemic changes, similar stories will continue to unfold, leaving countless others to bear the devastating costs of financial fraud.

     

  • Geebo 9:01 am on December 19, 2024 Permalink | Reply
    Tags: , , ,   

    Understanding the Nationwide Brushing Scam 

    Understanding the Nationwide Brushing Scam

    By Greg Collier

    Brushing scams are a growing concern across the nation, particularly as the holiday season brings an uptick in parcel deliveries. These scams involve receiving unordered packages, often containing small gifts such as jewelry, electronics, or other items. While these packages may seem harmless or even generous, they are typically part of a larger scheme designed to manipulate online marketplaces and deceive consumers.

    The essence of brushing scams lies in using unsuspecting recipients as unwitting participants in fake product reviews. Scammers send products to random addresses to create a record of delivery. This allows them to post fraudulent reviews under the recipient’s name on platforms like Amazon or eBay, falsely bolstering the reputation of third-party sellers. The goal is to make products appear more popular and trustworthy than they truly are.

    An alarming trend within this scam involves QR codes included with the packages. These codes often invite recipients to scan them to ‘confirm delivery’ or to find out more about the sender. Scanning such a code can redirect individuals to potentially malicious websites, prompting them to download apps or provide sensitive information. While scanning the code itself does not inherently compromise devices, the actions taken afterward, such as granting permissions or entering personal details, can put individuals at risk.

    The unsolicited nature of the packages is a key red flag. Authorities recommend not scanning any QR codes from unknown sources and refraining from engaging with the content or contact information provided in the package. Instead, consumers are advised to check their accounts for unusual activity, such as unauthorized purchases or changes to account details.

    Brushing scams are not confined to any specific region; reports have surfaced across the United States, highlighting the widespread nature of the issue. This underscores the importance of being cautious and staying informed. If you receive an unexpected package, it is critical to exercise restraint and avoid interacting with any prompts it contains. Contacting the retailer listed on the shipping label can provide further clarification and help mitigate the risk of similar incidents in the future.

    To enhance personal security, it is recommended to regularly monitor online accounts for suspicious activity and update passwords periodically. While receiving an unexpected gift might initially seem like a pleasant surprise, it is important to recognize the potential risks and take appropriate measures to safeguard personal information. Staying informed is the best defense against scams like these, which continue to exploit unsuspecting consumers nationwide.

     

  • Geebo 9:00 am on December 18, 2024 Permalink | Reply
    Tags: , , , ,   

    Watch for Tiny Charges on Your Bank Cards 

    Watch for Tiny Charges on Your Bank Cards

    By Greg Collier

    The holiday season is a time for generosity and joy, but it can also be a time when scammers take advantage of the season’s goodwill. If you spot a small, unexpected charitable donation on your credit card statement, it might not be a simple mistake, it could be a red flag.

    Small, unrecognized charges, especially to charitable organizations, can indicate that your credit or debit card has been compromised. When scammers obtain stolen card information, one of the first things they do is test the card. They accomplish this by making tiny transactions, often through charities. These small charges tend to fly under the radar, especially during the holidays when charitable giving surges. If the payment goes through successfully, it confirms to the scammers that the card is still valid and ready for larger, fraudulent purchases.

    The timing of this tactic is no coincidence. Around 20% of all charitable donations occur in December, making small, unfamiliar charges feel more plausible this time of year. A $2 or $5 donation might seem insignificant or even well-meaning, but that’s precisely what makes these transactions effective for scammers. People are less likely to dispute such small amounts, especially if they believe it’s an innocent oversight or a forgotten holiday contribution.

    To stay ahead of scammers, vigilance is key. Rather than waiting for your monthly statement, make it a habit to check your accounts online regularly. Weekly reviews can help you catch suspicious activity quickly before it escalates. Many card providers also offer transaction notifications via text or email, alerting you whenever a purchase is made. Enabling these alerts adds an extra layer of security, helping you identify unauthorized charges the moment they occur.

    If you do spot a charge you don’t recognize, act quickly. Contact your card provider right away to report the fraudulent activity. Taking immediate steps to lock or replace the card can stop scammers in their tracks and prevent further misuse.

    This season of giving should be one of joy and goodwill—not frustration. By staying proactive and mindful of your accounts, you can protect yourself from scammers who may try to take advantage of the holiday spirit. Don’t let a small charge turn into a big headache. Keep a watchful eye, and let your generosity this season be on your own terms.

     

  • Geebo 9:00 am on December 17, 2024 Permalink | Reply
    Tags: , , , ,   

    New Zelle Protections Haven’t Changed Anything 

    New Zelle Protections Haven't Changed Anything

    By Greg Collier

    For years, consumers have been targeted by a common and deceptive scheme: scammers posing as bank representatives convincing victims to use Zelle to ‘protect’ or recover their money. Despite growing awareness of this tactic, the outcome for victims has often been devastating, leaving them with little recourse and significant financial loss.

    Zelle and the banks behind it have long faced criticism for not doing enough to protect consumers. In response to mounting pressure, Zelle announced a new policy in late 2023 that banks would be required to reimburse customers for certain types of scams. The wording of this policy included an important caveat. Banks would refund consumers for “qualifying imposter scams”.

    The intent of the new policy was to create stronger protections for victims of fraud. However, recent cases suggest these so-called new guidelines are not much different from the old ones. Banks continue to deny reimbursements based on the familiar rationale that customers ‘authorized’ the transactions. This remains the linchpin argument banks use to place responsibility on consumers, even when the authorization occurred under false pretenses orchestrated by scammers.

    A recent incident illustrates how easily someone can fall victim to this type of fraud. A couple was contacted by someone claiming to be from Wells Fargo’s fraud department. The phone number even appeared to belong to the bank, thanks to modern spoofing technology. The caller asked about supposed fraudulent activity, reassured the couple that their funds would be safe, and then walked them through a series of Zelle transactions. Only later did they realize it was all a scam, and they had lost thousands of dollars.

    Despite reporting the incident to their bank, their request for reimbursement was denied. The bank cited the fact that the transactions were ‘authorized’. This reasoning aligns with the longstanding defense that if customers themselves approve the transfer, even under pressure or misinformation, the responsibility remains with them.

    Zelle’s official stance highlights a crucial ambiguity in their policy. The company has stated that not all scams involving imposters qualify for reimbursement, but they refuse to share the criteria for ‘qualifying’ cases. According to Zelle, disclosing this information would give criminals a playbook for avoiding detection. This lack of transparency leaves consumers frustrated and uncertain about whether they can expect any protection at all.

    The central issue remains that scammers have become increasingly adept at manipulating technology to exploit consumer trust. Policies promising reimbursement offer a glimmer of hope, but the reality for many victims has not improved. While Zelle and participating banks claim they are addressing the problem, their actions suggest otherwise. Until clearer and stronger protections are implemented, consumers must remain vigilant and cautious with unsolicited calls and Zelle transactions.

    For now, the lesson remains the same: don’t trust caller ID, don’t act under pressure, and always verify directly with your bank.

     

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