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  • Geebo 8:00 am on October 17, 2025 Permalink | Reply
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    Scammers Love Halloween Too 

    Scammers Love Halloween Too

    By Greg Collier

    Halloween brings excitement, costumes, and creative decorating. It also brings a wave of online scams targeting shoppers rushing to find last-minute deals. The Better Business Bureau is cautioning consumers to stay alert this season as fraudulent websites and social media ads try to take advantage of the holiday rush.

    Reports have emerged of websites posing as legitimate retailers offering heavily discounted costumes, accessories, and decor. The pages may appear convincing and even allow users to complete checkout. What happens next is nothing. Orders never arrive, and customer inquiries go unanswered. In other cases, the items that do show up arrive weeks later and bear little resemblance to what was advertised. These sites often rely on AI-generated reviews and staged product photos to appear trustworthy. Reused phrasing, identical five-star comments across different products, and stock-style imagery can indicate fabricated feedback meant to lure in fast-moving shoppers.

    The BBB continues to remind consumers that a price that looks impossibly low is often exactly that. Before entering payment information, it is worth taking a closer look at the seller’s online footprint. A quick search of the website’s domain through a WHOIS or ICANN lookup can reveal whether the site was registered only days earlier, which is common with short-lived scam operations. Authentic retailers typically provide full contact information, including a physical address and working customer support number. If a seller only offers an email field or a chat widget with no other traceable information, caution is advised. Shipping and return policies are another sign of credibility. Legitimate businesses usually disclose where items are shipped from, how long delivery takes, and how to initiate a return. Scam sites often bury unclear terms in small print or avoid stating any policy at all.

    Payment method remains an important line of defense. Credit cards generally offer the strongest fraud protection and allow for disputes if merchandise never arrives or arrives in unacceptable condition. Bank transfers, peer-to-peer apps, or direct payment requests provide little to no recourse. If a financial institution flags a transaction as suspicious, it is better to review the alert than override it in an attempt to secure a bargain.

    For those who would rather not gamble on unfamiliar websites, local retailers provide a practical alternative. Thrift stores and brick-and-mortar chains often dedicate entire sections to seasonal merchandise, allowing shoppers to inspect quality and confirm fit immediately. Organizations such as Goodwill report that Halloween is one of their busiest times, with racks of costumes and decor readily available to browse and try on.

    If a scam does occur, the BBB encourages consumers to report it to local police, the Federal Trade Commission, and state consumer protection offices rather than quietly accepting the loss. These reports help agencies track trends and shut down fraudulent operators before they can ensnare others.

    Halloween should be entertaining rather than stressful. A quick background check on a seller is often all it takes to ensure that the holiday spirit stays fun instead of frightening.

     
  • Geebo 8:00 am on October 16, 2025 Permalink | Reply
    Tags: authorized push payment fraud, , Merrill Lynch, ,   

    The Banking Scam No System Caught 

    By Greg Collier

    What began as a flashing message on a computer screen in August 2023 turned into a financial disaster. A woman in her eighties was convinced her bank accounts had been compromised. The alerts urged immediate action, warning that failure to respond would result in catastrophic loss. What followed was not sudden theft but a slow, methodical draining of trust.

    Over the course of nine months, she withdrew more than $700,000, nearly all of it accumulated over a lifetime. The transactions were presented not as losses but as protection. She was persuaded that her savings would only be safe if converted into physical assets. Records filed in court describe a series of withdrawals from multiple institutions, including brokerage, retail banking, and international accounts, with large sums funneled into precious metals or sent directly to businesses claiming to offer security. Some funds were even mailed by check. Each transaction was framed as the necessary step in preventing a greater disaster.

    There were signs that something was amiss. For decades, her withdrawals had never exceeded modest amounts. A family member had already been assigned in a supervisory role to help manage her finances. Despite these safeguards, the pattern went unchallenged. Institutions that normally flag unusual transfers for fraud detection did not act, even as the withdrawals far exceeded her typical behavior.

    The lawsuit now filed against Merrill Lynch and other firms argues that the loss was not inevitable. It claims that systems meant to detect suspicious activity were either insufficient or ignored. It further argues that elderly customers are uniquely vulnerable to psychological manipulation and that financial institutions must recognize emotional coercion as a legitimate fraud risk. Investigators have long noted that modern scams rarely begin with stolen passwords. They begin with manufactured fear.

    Financial consequences are often followed by social withdrawal. Retirement savings represent stability, independence, and access to routine pleasures. When they vanish, daily life contracts. Travel becomes unlikely. Regular outings give way to caution. The loss is measured not only in dollars but in freedom.

    The lawsuit also exposes a structural gap in the nation’s banking system. Financial institutions in the United States are not required to intervene when a customer willingly transfers money while under false pretenses. Fraud departments are typically designed to block unauthorized access rather than authorized panic. If an attacker forces entry into an account, alerts are triggered. If an attacker instead convinces an account holder to walk out the front door with their own money, silence follows.

    Banks often hesitate to freeze or delay transactions initiated by elderly customers, even when the activity conflicts with decades of history. Doing so risks legal challenges for discrimination or interference with personal finances. Privacy rules discourage employees from questioning motives. In many institutions, it is considered safer to remain passive than to intervene.

    This type of crime is categorized within the industry as authorized push payment fraud. It represents one of the largest regulatory blind spots in consumer protection. Some countries have already begun addressing it. The United Kingdom now compels banks to reimburse victims in many of these scenarios. The United States has no such requirement, leaving recovery dependent on lawsuits rather than automatic restitution.

    This case is therefore not only about one individual’s loss. It is about how fear is monetized and how existing financial safeguards fail to recognize it. Until intervention policies evolve to treat persuasion as seriously as intrusion, more customers will drain their own accounts believing they are saving them.

    Protection cannot begin after the money is gone. It must begin the moment fear appears on the screen.

     
  • Geebo 8:00 am on October 15, 2025 Permalink | Reply
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    Bitcoin ATMs Are a Goldmine for Scammers 

    By Greg Collier

    Bitcoin ATMs are becoming a familiar sight across the country, marketed as a fast and convenient way to buy cryptocurrency. Yet behind the promise of easy access lies a growing fraud problem that has already cost Americans hundreds of millions of dollars. Federal authorities report that losses tied to Bitcoin ATM schemes nearly doubled in 2024, approaching a quarter of a billion dollars. Consumer advocates warn that the true impact may be even higher, as many victims never come forward.

    These machines differ significantly from traditional bank ATMs, which are tied to tightly regulated financial institutions and monitored for suspicious activity. Bitcoin kiosks are generally classified as money service businesses, a category with far fewer oversight requirements. While a large transfer at a bank might trigger fraud alerts, require identity confirmation, or even be delayed pending review, many Bitcoin ATMs allow users to deposit thousands of dollars in cash with minimal verification. That lack of scrutiny is precisely what makes them so attractive to scammers.

    Compounding the issue is the way these machines are deployed. Unlike ATMs operated by major banks, many Bitcoin kiosks are owned by small private companies and placed in locations with little or no supervision. It is not uncommon to find them in corner stores, vape shops, or twenty-four-hour laundromats where employees rarely intervene. This environment gives scammers the perfect setup to coach victims in real time over the phone, often staying on the line for the entire transaction while instructing them exactly how much to insert and which QR code to scan.

    The process itself is simple. Users feed cash into the machine, and the equivalent amount of cryptocurrency is transferred to a designated digital wallet. Scammers pose as investment advisers, fraud investigators, or government agents and persuade victims that the transfer is necessary to secure their accounts, avoid legal penalties, or participate in profit-making opportunities. Once the cash is converted, it becomes nearly impossible to trace or reclaim, allowing organized crime networks, many based overseas, to move stolen funds with little interference.

    One Durham, North Carolina, resident learned the hard way after being persuaded that she was participating in a high-yield investment program. She was instructed to feed cash into Bitcoin ATMs in increasing amounts, believing she was moving up to higher tiers of profit. By the time she realized the entire operation was fictitious, more than seventy thousand dollars had vanished.

    Advocates say these schemes are no longer isolated incidents. Reports now arrive daily from victims across the country who were persuaded to convert their cash into cryptocurrency under false pretenses. With an estimated forty-five thousand crypto-enabled kiosks nationwide, scammers have found an ideal tool: one that combines the anonymity of digital currency with the accessibility of a corner store. While the individuals operating these scams profit most directly, the businesses hosting the machines benefit as well. Each transaction generates a fee that can range well into the double digits percentage-wise, creating little incentive to slow the flow of illicit transfers.

    Until stronger safeguards are in place, the most effective line of defense remains awareness. Scammers rely on pressure, secrecy, and speed. They thrive when targets act alone and make decisions without pausing to verify. Once cash goes into one of these machines, it is essentially gone for good.

    Cryptocurrency technology may have legitimate uses, but the rapid expansion of cash-to-crypto kiosks has created fertile ground for exploitation. Without meaningful regulation, the losses will continue to climb quietly, quickly, and often from those least prepared to absorb them.

     
  • Geebo 8:00 am on October 14, 2025 Permalink | Reply
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    Scammers Targeting Open Enrollment 

    Scammers Targeting Open Enrollment

    By Greg Collier

    As open enrollment ramps up across the country, the Wisconsin Better Business Bureau is alerting consumers to a growing wave of fraudulent outreach targeting those updating Medicare or Healthcare.gov coverage. Although the warning originated in Wisconsin, the tactics being reported are not confined to any one state. Similar scams can occur nationwide whenever enrollment periods open and consumers are more likely to engage with unfamiliar contacts.

    The scheme typically begins with an unsolicited phone call or text message offering to assist with switching to a supposedly better or cheaper plan. The caller often insists that coverage is expiring or that immediate action is required. Once trust is gained, the individual is asked to confirm personal details such as a Medicare ID number or Social Security number. Some scammers go as far as verifying existing addresses to appear legitimate before advancing to sensitive questions.

    Reports show that these contacts can sound convincing. In some cases, the caller pretends to be checking on delivery of a new Medicare card. In other instances, text messages urge the recipient to call immediately to prevent cancellation of benefits. Once the conversation shifts toward payment requests or demands for account verification, the deception becomes clearer, although not always before harm occurs.

    What makes these scams particularly dangerous is what happens afterward. Stolen Medicare and Social Security numbers are not left unused. They can be employed to submit fraudulent medical claims in the victim’s name or redirect benefits without consent. In some cases, scammers initiate unauthorized plan changes that interfere with legitimate coverage. What begins as a brief interaction can lead to months of identity recovery, financial disputes, and corrections to medical records.

    The BBB emphasizes that legitimate assistance with plan enrollment is available through official channels only when the individual reaches out first. Licensed representatives for Healthcare.gov or Medicare are not permitted to charge for enrollment support and will not initiate contact unexpectedly. Any offer that relies on urgency, pressure, or promises of incentives in exchange for personal data should be seen as a serious warning sign.

    Even offers that appear generous, such as complimentary health screenings or gifts for switching plans, may be tactics designed to collect private information or filter out individuals based on health status. Some brokers try to identify only healthy applicants to manipulate their client pool, which is prohibited by Medicare rules.

    Consumers are encouraged to avoid clicking on links in suspicious messages or responding to unfamiliar communications about benefits. When in doubt, it is safest to visit Medicare.gov or Healthcare.gov directly rather than relying on third parties. Those who receive unexpected messages regarding employer-provided benefits should confirm legitimacy with their workplace before taking any action.

    Health care enrollment is already complex without the added risk of fraud. A cautious approach can prevent not only frustration but also long-term damage to personal identity, financial security, and access to care.

     
  • Geebo 8:00 am on October 13, 2025 Permalink | Reply
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    Don’t Fall for ‘Unclaimed Money’ Texts 

    Don't Fall for 'Unclaimed Money' Texts

    By Greg Collier

    A growing number of people are receiving messages claiming that thousands of dollars in “relief money” are waiting to be collected. These messages often frame the offer as unclaimed state funds or leftover assistance from past government programs. That claim makes the scam particularly convincing, because many states do in fact hold unclaimed property for residents who may not even know it exists.

    The messages arrive by phone or text and direct recipients to websites designed to look like official financial portals. They typically state that a check has already been issued in the recipient’s name and is simply waiting to be claimed. By referencing unclaimed property or former relief programs, scammers create a sense of legitimacy and urgency. The promise of state-held money that might otherwise “expire” can easily tempt someone into clicking without hesitation.

    However, these websites are not connected to any government agency. Instead, they collect personal details such as addresses, phone numbers, and email accounts before redirecting to unrelated offers. That information may then be sold to third parties, added to robocall databases, or even used to apply for financial products under someone else’s name.

    This does not mean unclaimed money is always fake. Every state maintains a treasury program that holds forgotten bank balances, overpaid utility deposits, insurance refunds, or inheritance funds that were never delivered. Millions of people genuinely have money sitting in state custody without realizing it. The key difference is that real programs do not contact residents through texts or unsolicited links.

    Anyone who wants to check for legitimate unclaimed funds can do so safely through the official website managed by the National Association of State Treasurers. By entering a name and selecting a state, residents can view any records associated with their address and submit a secure claim directly through their treasury office.

    Scammers are exploiting a system that actually exists, which is what makes this tactic so effective. The safest approach is to ignore any unexpected messages offering money and verify independently using trusted state resources.

     
  • Geebo 8:00 am on October 10, 2025 Permalink | Reply
    Tags: , , , , Supreme Court   

    Supreme Court Social Security Scam Hits Retirees 

    Supreme Court Social Security Scam Hits Retirees

    By Greg Collier

    The Office of the Inspector General for the Social Security Administration has issued an alert regarding a new scheme that attempts to deceive retirees and other beneficiaries through counterfeit correspondence designed to resemble official government communication.

    The scheme centers around letters styled to appear as “certificates” issued on fraudulent Supreme Court letterhead. These letters include forged signatures from high-ranking judicial figures and are tailored to look personally addressed to the recipient. The message typically claims the recipient is under investigation for alleged criminal activity. It asserts that agencies such as the Social Security Administration and a misnamed federal law enforcement division have determined that the recipient’s personal information has been compromised in an identity theft case. The letter further claims that financial institutions have been instructed to freeze all accounts unless the recipient cooperates.

    Many fraudulent schemes rely on what cybersecurity experts refer to as authority exploitation, in which scammers impersonate organizations that appear too powerful or formal to question. References to the judiciary or federal departments can create a sense of urgency and intimidation, discouraging recipients from verifying the legitimacy of the correspondence. Seniors, in particular, may feel pressure to comply when the communication appears to come from a Supreme Court office rather than a local agency.

    To heighten urgency, the document warns against maintaining more than a set amount in bank accounts or investments and urges immediate contact with the sender to avoid supposed legal consequences. Recipients are pressured to provide personal details or transfer funds under the belief that doing so will resolve the fictitious allegations. Some versions also instruct recipients not to disclose the communication to others, increasing the likelihood of compliance.

    It is important to understand how legitimate agencies communicate. The Social Security Administration and the judicial system do not initiate legal accusations through informal letters or emails demanding immediate action. Formal legal notices are delivered through established court procedures and never require beneficiaries to verify their identity by phone or to transfer funds to prove compliance. Recognizing these communication standards can help distinguish real government contact from fabricated threats.

    This fraud relies heavily on fear and manufactured authority. Many retirees depend on monthly Social Security benefits, and disruptions to these payments can be alarming. Scammers exploit this vulnerability by imitating official institutions and using legal terminology to create panic. Responding to such messages can lead to identity theft or substantial financial loss.

    The Social Security Administration advises disregarding unsolicited letters, texts, emails, or calls that demand immediate action or payment. Official agencies do not threaten beneficiaries with arrest, asset seizures, or legal charges through informal correspondence. They also do not request personal or financial information through unsecured channels.

    Anyone who encounters a message of this kind is encouraged to report it through the agency’s official portal at ssa.gov/scam. Confirming the legitimacy of any communication through verified government sources is essential. Discussing suspicious messages with trusted individuals can provide an additional safeguard against deception.

    Public awareness remains one of the most effective defenses against fraud. By recognizing the signs of fabricated government communication and refusing to engage, beneficiaries can protect both their financial security and peace of mind.

     
  • Geebo 8:00 am on October 9, 2025 Permalink | Reply
    Tags: , , , Telegram,   

    The High Price of Fake Love 

    The High Price of Fake Love

    By Greg Collier

    Online romance scams continue to drain bank accounts and devastate lives, as shown by a case recently highlighted by law enforcement in the Kansas City, Missouri, area. A local resident is said to have lost approximately $120,000 over the span of seven months after forming what he believed to be a genuine relationship with someone he met through social media.

    The interaction reportedly began on TikTok and later shifted to Telegram, an encrypted messaging service, which investigators say makes it significantly more difficult to trace communications or identify the individual on the other end. Over time, the scammer allegedly fabricated a series of personal hardships, each accompanied by urgent requests for financial help. Vehicle issues, fuel costs, and eventually supposed property-related expenses were all cited as reasons for sending more money. The victim complied repeatedly, believing repayment was forthcoming once certain affairs were settled.

    The scheme only unraveled when a relative was informed of the situation and recognized the warning signs. By that point, the financial damage had already been done. Law enforcement has reiterated that individuals caught in these scams often isolate themselves from friends and family out of embarrassment or emotional dependence on the relationship. That isolation makes intervention difficult until it is too late.

    Experts warn that these schemes are becoming more convincing due to advances in artificial intelligence. Sophisticated tools now allow scammers to generate realistic profile photos, manufactured life details, and even voice or video messages that appear authentic. What once required coordination now takes minutes, making deception easier to scale and far more difficult to detect.

    It is also a misconception that only the naïve or technologically inexperienced fall for these scams. Investigators say the most common factor among victims is not a lack of knowledge but a lack of connection. Scammers thrive by offering consistent attention and emotional reinforcement, often filling a void that friends or family may not be aware exists. Anyone experiencing loneliness or isolation, regardless of age or background, can become vulnerable when a persuasive voice appears to offer support.

    Authorities are once again urging the public to refrain from sending money to anyone they have not met in person, no matter how familiar or trustworthy that relationship may feel. Digital manipulation has reached a point where validation is easy to fake, while financial transactions remain all too real. Once funds are transferred, especially through irreversible methods such as cryptocurrency, there is little hope of recovery.

    Cases like this serve as a reminder that open dialogue is critical. Discussing online relationships may feel intrusive or uncomfortable, but silence is what allows exploitation to continue. Awareness and communication remain the most effective safeguards against this growing threat.

     
  • Geebo 8:00 am on October 8, 2025 Permalink | Reply
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    Scammers Pose as Online Tutors 

    Scammers Pose as Online Tutors

    By Greg Collier

    Online tutoring has become a lifeline for many families seeking extra academic help, but consumer advocates are warning that the virtual convenience has also given rise to new scams. Reports show that some fraudulent tutoring sites appear legitimate at first glance, often showing up in basic search results. Parents and students may assume they are dealing with a real service only to discover too late that the website was built solely to collect payment.

    The deceptive sites often promote fast results and guaranteed answers to homework or tests. The promise of instant academic success can be tempting, especially for students who are overwhelmed. In many reported cases, once a payment is made, the so-called tutoring provider turns threatening rather than helpful. Scammers have allegedly demanded additional money while warning that they will inform a school about supposed cheating if the victim does not comply. What initially looked like academic support quickly shifts into intimidation and extortion.

    One of the reasons these operations succeed is their ability to manipulate online visibility. Scammers frequently purchase ads or use search engine tricks to appear at the top of results, making them seem like trusted resources. Some even copy the appearance of real tutoring businesses by stealing logos or text from legitimate websites. This strategy increases the likelihood of unsuspecting families clicking and paying before checking for credibility. Students may be especially vulnerable because they are often under deadline pressure, reluctant to admit they need help, or searching for quick solutions without adult oversight. That combination makes them easy targets for those exploiting academic stress.

    The risks go beyond losing money. If a student unknowingly interacts with a fraudulent provider that offers to supply test answers, there can be serious academic consequences if a school interprets it as intentional cheating. Even when the student is being victimized, the association with dishonest services can lead to reputational harm or disciplinary inquiries. What may start as an innocent search for help can spiral into threats, financial loss, and potential school involvement.

    Payment practices add to the danger. Many of these sites request money through quick-transfer apps rather than secure billing systems. The absence of official invoices or contracts makes recovering lost funds nearly impossible once money has changed hands. This setup not only benefits scammers financially but also removes accountability, leaving victims with little recourse.

    Consumer protection officials advise families to seek tutoring through referrals from schools, teachers, or trusted community networks rather than relying on random search results. A legitimate tutor should be able to explain their background, outline teaching methods, and provide verifiable references. Established businesses and educational institutions are far less likely to rely on tactics that involve high-pressure sales, vague promises, or instant answers.

    The growth of fraudulent tutoring services underscores a larger reality. Scammers will target just about anyone if they believe there is money to be made. Parents, students, and even educators can all fall prey to carefully crafted schemes that exploit trust and urgency. While online tutoring remains a valuable resource, the rise of these scams is a reminder that digital convenience requires equal parts vigilance and discernment. Families who approach tutoring with caution, research, and reliance on trusted recommendations can better safeguard both their finances and their children’s education.

     
  • Geebo 8:09 am on October 7, 2025 Permalink | Reply
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    Watch Out for Check Scam at ATMs 

    By Greg Collier

    State Police in the Southern Tier area of New York are alerting residents to a parking-lot check deposit scam that has been reported at banks, ATMs, and large retail locations. Although recent cases are concentrated in this region, this type of scam is not unique to New York and has appeared in other parts of the country under similar circumstances. The scheme relies on face-to-face persuasion. A stranger approaches someone in a parking area, claims to be unable to access an account, and asks for help by having the target deposit a check on their behalf. After the deposit, the stranger directs the target to withdraw cash from the same account and hand it over on the spot.

    These encounters often succeed because they are built on social engineering. Scammers use politeness, urgency, or emotional stories to make their targets feel obligated to help. They may present themselves as calm and respectable to lower suspicion and push the interaction forward before the other person has time to think it through.

    The risk stems from how check processing works. Funds may appear in an account before the check has actually cleared, and a bank can later determine the item is fraudulent. Institutions may place temporary holds on deposits that seem unusual, but such measures are not foolproof, and the account holder is still responsible if the check is returned. When that happens, the deposit is reversed, and the person who made the deposit is liable for the full amount. By the time the check is rejected, the scammer and the cash are gone.

    Residents should treat any request to deposit a check for someone else as a red flag. Do not withdraw or hand over cash on behalf of another person, even if the story seems urgent or sympathetic. If approached, end the conversation, go inside the branch to speak with staff, or contact local law enforcement to report the encounter. After any unusual interaction at an ATM or in a parking lot, review recent account activity and notify your bank immediately if you see anything out of place.

    The safest rule is simple in practice. Only deposit checks into your own accounts for transactions you can personally verify, only withdraw cash for your own use, and report suspicious behavior promptly so others are not targeted.

     
  • Geebo 8:00 am on October 6, 2025 Permalink | Reply
    Tags: , , , medicaid, , ,   

    Shutdown Fuels Federal Impostors 

    Shutdown Fuels Federal Impostors

    By Greg Collier

    With the federal government shutdown creating uncertainty across the country, consumers are being urged to stay alert for scams that exploit the disruption. Officials in North Carolina recently issued a warning after seeing signs that criminals are using the shutdown to impersonate federal agencies and obtain personal or financial information. The concern is not limited to one state, since the agencies being mimicked operate nationwide and shutdown-related confusion affects people in every region.

    Past shutdowns have shown that scammers quickly adjust their tactics to match the moment. During previous funding lapses, people reported fraudulent claims about suspended Social Security checks, frozen food assistance, or threats that Medicare coverage would end unless immediate action was taken. In some instances, callers falsely offered help to federal workers or contractors struggling with missed paychecks, using the shutdown as cover to push loans or collect personal data.

    These schemes commonly arrive by phone, text message, or email and rely on pressure and urgency rather than credibility. Scammers often use caller ID spoofing or fake email domains to make their messages appear to come from federal agencies. That technology can make it difficult for people to immediately recognize that the communication is fraudulent.

    Government officials are emphasizing that legitimate agencies will not make unsolicited requests for sensitive information or demand payment through gift cards, wire transfers, or similar methods. Any unexpected outreach from someone claiming to represent a federal program should be treated with caution. People are encouraged to end the communication and reach out directly to the agency using verified contact information if there is reason to confirm anything.

    In North Carolina, the Consumer Protection Division of the state Department of Justice is continuing to accept fraud complaints during the shutdown. Other states have similar channels for reporting suspicious activity. Remaining cautious, especially when receiving messages that appear urgent or threatening, is one of the most effective ways to prevent financial or identity theft while the shutdown continues to create opportunities for exploitation.

     
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