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  Geebo 8:00 am on August 15, 2023 Permalink | Reply
  Tags: charity scam ( 34 ), FEMA ( 10 ), impersonation scam ( 144 ), Maui ( 2 ), Scams ( 1,363 ), wildfires ( 3 )   

  Maui wildfires bring out the scammers 

  

  By Greg Collier

  In case you haven’t been following the news, the island of Maui in Hawaii has been experiencing the worst wildfires in over a century. And whenever there is a natural disaster of this scale, the scammers are sure to follow. In that vein, the Federal Trade Commission (FTC) is trying to get ahead of the scammers and has issued a warning not only to the residents of Maui, but also those looking to help the victims of the fires.

  The first type of scam the FTC is warning residents about is the FEMA impersonation scam. After natural disasters, scammers will often impersonate the Federal Emergency Management Agency (FEMA) to try to get personal information or money from victims of the disaster.

  Fraudsters masquerade as FEMA representatives and contact individuals, offering aid related to disaster relief or financial support.

  These impostors deploy a variety of tactics to target potential victims, utilizing means like phone calls, emails, text messages, or social media posts. They might assert that the person has been granted financial aid, or insist on the need for personal particulars to facilitate aid distribution.

  After winning the victim’s confidence, the scammers proceed to request sensitive personal and financial data, including Social Security numbers, bank account specifics, or credit card particulars. Additionally, they might solicit funds or persuade the victim to acquire gift cards under the guise of receiving assistance.

  In actuality, authentic FEMA representatives never solicit personal or financial details through phone calls or emails, nor do they ask for monetary contributions or gift cards as prerequisites for disaster relief. Should you receive a suspicious communication purporting to be from FEMA, it’s advisable to directly contact the agency to authenticate the legitimacy of the message.

  Then there are the charity scams, which almost always appear following a disaster like this. Individuals seeking to contribute to a relief fund should exercise caution when encountering phone or email solicitations from entities with generic names such as ‘Disaster Relief Fund’. If a charitable organization seems to be exerting undue pressure on you to donate, whether via phone conversations or online platforms, there’s a strong likelihood that they are operating as scammers.

  You have the option to verify a charity’s authenticity by visiting platforms like Charity Navigator and Give.org. These resources can provide insights into which charities are genuine and which ones should be approached with skepticism. Additionally, you can cross-check with the IRS to determine whether a charity is officially registered with them; this step significantly contributes to establishing the legitimacy of the charity.

  And please keep in mind, you can always donate money or blood to the Red Cross. This will not only help the people of Maui but the victims of other disasters as well.

   

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  Geebo 8:01 am on August 14, 2023 Permalink | Reply
  Tags: funeral ( 13 ), funeral expenses ( 9 ), funeral home scam ( 5 ), impersonation scam ( 144 )   

  Funeral home scams garner national headlines 

  

  By Greg Collier

  You know a scam must be bad when one of the national news networks covers it. NBC News is warning its viewers and readers of one of the most despicable scams going today, the funeral home scam.

  Most people aren’t familiar with the scam, since it only targets families who have recently lost loved ones. As much as we deny it to ourselves, there will unfortunately come a day when we have to assist in laying a loved one to rest. It’s better to be aware of the scam now, then having to experience it for the first tile while you’re mourning.

  Fraudulent individuals exploit obituaries of recently departed individuals for their schemes. These obituaries often include the funeral home responsible for the deceased’s final arrangements. These scammers manipulate the situation by falsifying the funeral home’s contact number and contacting the grieving family under the pretense of representing the funeral home. Their usual approach involves asserting that there are discrepancies in the billing or that an extra insurance payment is required. They swiftly proceed to demand an instant payment via phone. Shockingly, there have been cases where these scammers go to the extent of implying that they will withhold the deceased’s remains until the payment is settled.

  In NBC News’ report, they detail the stories of two people who were targeted by scammers during the worst time of their lives. In the first story, scammers targeted a woman who had just lost her husband of 22 years the day before. They claimed she owed the funeral home an additional $5000, but she could pay $2500 first through Zelle or Apple Pay. The victim tried to make payments, but they kept getting flagged as suspicious. Luckily, her son overheard the conversation and advised her to end the call.

  In the other story, scammers called a woman making arrangements for her husband while she was at the funeral home. The scammers had spoofed the number of the funeral home and were using the name of an actual funeral home employee. The funeral director got on the phone and identified herself, which caused the scammers to hang up.

  In the regrettable circumstance of having to arrange a funeral for a cherished individual, it is advisable to secure a comprehensive breakdown of expenses from the chosen funeral home. This practice can significantly contribute to safeguarding both you and your family from falling victim to such deceptive scammers.

  Also, please keep in mind legitimate funeral homes, and most businesses, will not ask for payment through a mobile payment app like Zelle. In the unfortunate event, you receive a phone call like this while arranging a loved one’s funeral, hang up and call the funeral home directly.

   
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  Geebo 8:00 am on August 11, 2023 Permalink | Reply
  Tags: phishing ( 75 ), Scams ( 1,363 ), text scam ( 23 ), venmo ( 28 )   

  New scam targets Venmo users 

  

  By Greg Collier

  If you use the mobile payment app Venmo, there are already a ton of scams you have to look out for. However, most of them are about whom the user is sending money to. Remember, Venmo is only supposed to be used between friends and family. Most legitimate businesses and organizations do not request payment through Venmo.

  But now there’s a new Venmo scam that’s determined to empty your account. The Ohio Division of Financial Institutions has issued a warning about the latest scam.

  The scam starts when the victim receives a text message that appears to have come from Venmo. The text asks the victim if their Venmo account was used in another part of the country. The message also contains a link to click on if you didn’t make that transaction.

  If the victim clicks on the link, they’re taken to a website that looks like it’s Venmo, but it’s actually a fake website designed to look like it. The fake website asks for the user’s log in credentials, and if they’re entered, the scammers can easily hijack the Venmo account and drain all the funds from it.

  So, how do the scammers know their victim has a Venmo account? In most instances, they don’t know. Scammers will send out these texts randomly while hoping someone will take the bait.

  There are a couple of ways you can protect yourself from this scam. The first is to never click on any links that appear in text messages from people you don’t know personally. Instead, log in to your Venmo account and review it for any potentially fraudulent charges. The other way is to enable two-factor authentication on your account. If your device has a fingerprint reader, it’s recommended to use that as your 2FA method as the fingerprint will be tied to your device, and not something that can be easily duplicated.

  And if Venmo is being used in a scam like this, it’s only a matter of time before it comes to Zelle, PayPal, and Cash App.

   
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  Geebo 8:00 am on August 10, 2023 Permalink | Reply
  Tags: romance scam ( 70 ), Scams ( 1,363 )   

  Victim loses everything to romance scam 

  

  By Greg Collier

  She’s young. She was successful. She’s a professional therapist who had her own private practice. She doesn’t fit the profile of your typical romance scam victim. Yet, she and her children are bing sheltered at a church because she lost everything in a romance scam.

  A romance scam occurs when scammers fabricate fraudulent online personas to establish a sense of trust with their targets, often aiming to swindle them out of funds. Employing tactics of flattery, emotional maneuvering, and counterfeit images and aliases, the perpetrator gradually forges a connection with the victim. Once this bond is solidified, the scammer commonly solicits money or sensitive particulars, such as bank account specifics or credit card data. The impact of romance scams can be especially devastating, as victims might experience humiliation or guilt, deterring them from reporting the offense to law enforcement.

  The victim in today’s scam was approached by a man through her TikTok account. She was becoming quite smitten with the man, but ended up blocking him because she received warnings from other women that the man was asking them for money. That didn’t deter the scammer, as they came back under a new alias.

  The scammer then used the name of a famous fitness YouTuber with over one million followers. The YouTuber’s identity was assumed by the scammer, with the scammer using the YouTuber’s pictures as their own. The scammer even went as far as to email the victim while posing as the YouTuber’s mother, frequently asking the victim how she was doing.

  Like in most romance scams, the scammer would never allow video calls or have videos sent to the victim. They claimed that due to their fame, they couldn’t let private videos or pictures become public.

  Then the requests for money started. It started out small, like for the price of a pizza, then increased from there.

  The scammer even convinced the victim they were about to get married. She ended up selling everything she owned, thinking they were going to elope this month. Of course, the marriage never came to pass, and after sending so much money to the scammer, she and her family are now homeless.

  The allure of scams can ensnare even the most cautious individuals due to their clever tactics and exploitation of human psychology. Scammers often prey on people’s vulnerabilities, using persuasive techniques that exploit emotions such as fear, greed, or trust. A combination of social engineering, sophisticated technology, and convincing storytelling can create an illusion of legitimacy. Additionally, the fast-paced nature of modern life can lead to hasty decision-making and a lack of thorough scrutiny. In a digital era where information is abundant and connections are formed online, anyone can become a target. In essence, anyone can fall for a scam.

  When encountering a potential romantic interest online, it’s advisable to initiate a reverse image search on their photograph as a first step. Scammers frequently appropriate images from unsuspecting individuals’ social media accounts, unbeknownst to the actual owners, for use in romance scams. If your potential partner appears evasive about meeting face-to-face, it often serves as a noteworthy sign of a possible scam. Similarly, if you’re engaging through a dating app or platform and are urged to shift the conversation away from that platform, this could indicate a potential scam. Notably, a significant warning sign is if they request monetary assistance before an in-person meeting.

  When attempting to assist someone who might be ensnared in a romance scam, it’s often challenging to persuade them of the deception. Sharing this blog post or other relevant articles that outline the mechanics of a romance scam could be beneficial in helping them recognize the situation.

   
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  Geebo 8:00 am on August 9, 2023 Permalink | Reply
  Tags: lockbox ( 5 ), real estate ( 127 ), rental scam ( 87 ), Scams ( 1,363 )   

  Do real landlords hold any responsibility for rental scams? 

  

  By Greg Collier

  It seems like more and more families are being put out on the street because of rental scams. This is when scammers pose as landlords and collect money from victims in the guise of security deposits or rent. Scammers will copy the listings from legitimate realtor sites and post them on places like Craigslist and Facebook Marketplace as if they own the property. In too many cases recently, scammers will even obtain access to the property to make their claim of ownership more authentic. The rental scam has been around as long as online marketplaces have existed. In the early days of the scam, fake landlords would ask for payment in money transfers. Now, the scammers have even easier access to their victims’ money thanks to personal payment apps like Zelle and Venmo.

  To make matters worse, many rental properties can be viewed using various rental apps that allow renters to have unguided access to the rental home. Not only has this allowed scammers to circumvent these apps to fool their victims, it’s also allowed the victims to move into homes they thought they legitimately rented. Once the actual landlords find out people have moved in to one of their properties without their say so, the scam victims are usually evicted within days. Many of the victims do not have any other housing options and become homeless. However, do landlords and property management companies share some blame for not securing their properties better?

  A family from Wisconsin recently fell victim to a rental scam and are now facing an uncertain future. They found a listing online for a townhouse that was perfect for them. They only spoke to the supposed property agent by phone and text. The family was given an access code to a lockbox that contained keys to the property. This allowed them to tour the townhouse alone. The family forwarded the payment to the person they were dealing with. While the report doesn’t state how the payment was sent, it’s safe to assume a personal payment app was used.

  The day after the family moved in, another family showed up also looking to move in. That’s when the actual property management company stepped in and gave the family one week to move out.

  When reached for comment by local media, the management company said they use a third-party platform to perform the unassisted tours. The third party is said to verify potential renters by doing a driver’s license and credit card check. However, it seems once an ID check is passed, the code to access the lockbox can be accessed over and over again. That makes the lockboxes vulnerable to scammers, as they can easily pass an ID check with stolen information. There’s already a housing crisis in this country. It doesn’t need to be worsened by scammers and shoddy security.

  If you’re looking to rent a new home, we can’t stress enough to do as much research on the property as possible before committing any money. Even as something as simple as doing a web search on the property’s address can turn up a trove of information that may help you avoid a rental scam. Also, never use apps like Venmo or Cash App to make any kind of deposit or rent payment. These apps are too easily manipulated by scammers to get your money and then disappear. Lastly, read any and all paperwork carefully to make sure the documentation isn’t fake.

   
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  Geebo 8:00 am on August 8, 2023 Permalink | Reply
  Tags: arrest warrant ( 26 ), impersonation scam ( 144 ), jury duty scam ( 30 ), police impersonation scam ( 64 ), police scam ( 37 ), Scams ( 1,363 )   

  How common is the jury duty scam? 

  

  By Greg Collier

  We often say the most common scam we see in the news is the jury duty scam. Hardly a day goes by where we don’t see a police department or sheriff’s office warning their local residents about police imposters who are trying to trick victims out of their money.

  The jury duty scam is a type of fraud where scammers attempt to deceive individuals by posing as law enforcement officials or court representatives. They typically target people through phone calls claiming that the recipient has missed jury duty and is now facing legal consequences. The scammers then ask their victims to pay a fictitious fine that supposedly clears the arrest warrant.

  But the scammers don’t want you to go to the courthouse to pay the fine. They want their payment then and there, usually through payment apps like Zelle and Venmo, gift cards, prepaid debit cards, or cryptocurrency.

  Just in the past 24 hours, we’ve seen jury duty scam warnings from the Palm Beach Sheriff’s Office, In Florida, the Annapolis Police Department, in Maryland, the Louisiana State Police, the Morris County Sheriff’s Office, in Kansas, the Missoula County Sheriff’s Office, in Montana, and the Mansfield Division of Police, in Ohio. Tomorrow, it could be another six police departments or more. If the scam hasn’t made it to your city or town, it’s probably on its way.

  If you receive a communication about jury duty, contact your local courthouse or law enforcement agency directly using official contact information to confirm its authenticity. Remember that legitimate government entities will not use aggressive tactics, threats, or demand immediate payments over the phone or email. If you suspect you’ve been targeted by a scam, report it to your local law enforcement agency and relevant authorities.

   
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  Geebo 8:00 am on August 7, 2023 Permalink | Reply
  Tags: bank scam ( 70 ), customer service ( 50 ), impersonation scam ( 144 ), Scams ( 1,363 ), Zelle ( 66 )   

  Scammers easily avoid Zelle warning 

  

  By Greg Collier

  In the news article we read about the latest chapter in the Zelle scam, it says that the Zelle scam is back. To be honest, it never went away. For almost two years, we’ve been documenting how the personal payment app has been used by scammers to defraud victims out of their money. As far as we know, there has been no break in this scam’s activity.

  For the uninitiated, the Zelle scam works like this. The victim receives a text message inquiring whether they have recently made a substantial purchase or transfer. The victim is instructed to reply with a simple yes or no. After the response, scammers follow up with a phone call, pretending to represent the victim’s bank’s fraud department. The fraudsters then urge the victim to safeguard their bank account by either transferring their funds or using Zelle to “pay themselves.” However, what actually happens is that the scammers are guiding the victim through the process of transferring funds to the scammers’ account through Zelle.

  Since these scams have started, it doesn’t appear as Zelle has done much in the way of consumer protection. If you do make a money transfer using Zelle, a warning does appear, which advises users not to send money to anyone they don’t know personally. Yet, the scam persists. So, what clever trick have the scammers devised to circumvent this warning? Is it nefarious malware that suppresses the warning? Not exactly. The scammers are simply telling their victims to ignore the warning. That’s it.

  Now, keep in mind the scammers are posing as the victim’s bank, who are supposed to have the final authority on a customer’s account. I’m sure we’ve all had to follow instructions at one point where we told to just ignore something. To us, this exhibits the poor protection Zelle has for its users, rather than any fault of the victim.

  It’s important to note that Zelle is intended for use strictly among friends and family, those you have a personal relationship with. Be cautious of any unfamiliar business or individual requesting payment through Zelle, as this could be a potential scam attempt. Remember, your bank will never ask you to move your funds using Zelle.

  If you find yourself falling victim to this scam, your initial step should be to promptly file a police report. While it doesn’t guarantee a refund, taking this action can significantly aid your situation. Moreover, if you believe your bank is not treating you fairly, don’t hesitate to reach out to a consumer advocate reporter in your local area for assistance. Their involvement can provide you with the support you need.

   
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  Geebo 8:00 am on August 4, 2023 Permalink | Reply
  Tags: authorization code ( 7 ), impersonation scam ( 144 ), lyft ( 15 ), rideshare scam ( 5 ), Scams ( 1,363 )   

  Rideshare driver gets scammed out of account 

  

  By Greg Collier

  Rideshare services like Lyft and Uber have been used in countless scams before. For example, many grandparent scammers use them as a sort of courier service to pick up the money from their victims. We’ve even seen some rideshare drivers using shady tactics to get more money out of their passengers, even though we understand that is not representative of all drivers. However, the drivers themselves are also vulnerable to scams, and we’re not talking about passengers trying to cheap out on a fare.

  A Lyft driver in Denver, Colorado, was on duty when she received a text message that appeared to come from Lyft. The text listed a phone number the sender wanted the driver to call. When the driver called the number, she was greeted by someone claiming to be a Lyft representative.

  The supposed representative told the driver a passenger had accused her of smelling like alcohol while working, and they were going to disable her app while they verified her account information. The caller took the driver’s phone number, date of birth, and driver’s license number for verification purposes.

  When the caller told the driver, they cleared her of the accusation, they sent her an authorization code that was supposed to get the driver back on the Lyft app. What the authorization code was really for was so the scammers could put their debit card on the driver’s Lyft account. This allowed them to cash out the driver’s account, which cost the driver close to $500.

  Now, you might be asking, how does this affect you, since you’re probably not a rideshare driver. Well, this could happen to anyone who works what is called a ‘gig economy’ job. You could receive a phone call claiming to be from the host platform saying there is something wrong with your account that could delay your payment. If you receive a phone call like that, tell them you’ll call them back, and check directly with the platform, itself. Most if not all gig economy apps should have a feedback link where you can contact the company.

   
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  Geebo 8:00 am on August 3, 2023 Permalink | Reply
  Tags: Facebook Marketplace ( 62 ), free piano scam ( 2 ), piano, Scams ( 1,363 ), shipping ( 5 )   

  There’s no such thing as a free piano 

  

  By Greg Collier

  If you saw an online listing for a free piano, would you think anything of it? It’s understandable why it might be free. Pianos aren’t exactly easy to get rid of. You can’t just leave a piano out on the curb for the sanitation department to pick up. So, giving a piano away for free makes sense. Except, that free piano may not even exist. Instead, it’s all part of a shipping scam.

  The Better Business Bureau (BBB) of Connecticut is warning residents of the Nutmeg State that several people there have fallen victim to this scam. The scam starts when someone sees a free piano being given away on Facebook Marketplace. The seller claimed the piano belonged to her late husband and selling it didn’t feel right. She wanted to give it away to ‘honor his soul’.

  Before we get to the heart of the scam, we wanted to stop here and point out the first red flag of not just this scam, but many others as well. Whenever a deal seems too good to be true and there’s an emotional story involved, there’s a good chance it could be a scam. We see this a lot with used and classic cars. The seller will claim the owner passed away, or the owner is being stationed overseas in the military. Stories like these are designed to get the victim to let their guard down while thinking they’re doing a favor for the seller.

  Getting back to the piano, while it may be listed for free, there’s always a price to pay. In this case, the seller insists on having the victim use a certain moving company to have the piano picked up. The seller is directed to the website of a moving company that appears to be professional and legitimate. The website then asks the victim to make the payment by entering their payment information. Then the victim has their financial information stolen.

  If you happen to be searching for a piano and come across a free one advertised, it’s advisable to avoid it unless you are willing to personally pick it up or arrange for your own movers.

   
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  Geebo 8:00 am on August 2, 2023 Permalink | Reply
  Tags: impersonation scam ( 144 ), Scams ( 1,363 ), shut off scam ( 17 ), utility scam ( 31 )   

  Record heatwave brings out shut off scams 

  

  By Greg Collier

  With most of the country experiencing record-breaking heatwaves, we probably don’t have to tell you that 2023 is on its way to being the hottest year in recorded history. So, leave it to the scammers to use the sweltering heat to intimidate their victims into giving them money. While shut-off scams are common during this time of year, scammers are now packing a one-two punch of shut-off scams.

  Shut off scams typically depend on weather extremes. They tend to hit during blizzards and cold snaps, or punishing heatwaves. In the shut-off scam, scammers will pose as the power company when calling their victims. The scammers threaten their victims with having their electric service terminated for a past due balance. Victims are then told their service will be turned off in 15-30 minutes if a payment isn’t made immediately. Scammers will ask for payment in unusual means such as gift cards, but we’ve seen instances where victims are directed to make payment at Bitcoin ATMs.

  However, this summer we’re seeing another shut-off scam in addition to the power shut-off scam. Scammers are also posing as the local water company while threatening to shut off service. Being threatened with having your water turned off may even be more intimidating than having your electricity turned off. Then again, some homes can’t even have their water function without electricity. So, either way, this scam could be a nightmare for any consumer.

  It’s easy to protect yourself from this scam if you know about it. Utility companies, such as power and water, never call their customers and only give them a 15-minute warning before service is terminated. That should be the first red flag. Typically, utility companies will send several warnings in the mail before terminating service. Secondly, utility companies will never have you make payments to them in gift cards, cryptocurrency, or payment apps like Zelle and Venmo.

  If you receive a phone call like this, hang up. Don’t give the caller any personal information, even if they seem to know who you are. Then call your local utility to verify your account is in good standing.