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  Geebo 8:00 am on April 8, 2022 Permalink | Reply
  Tags: bank scam ( 80 ), customer service ( 58 ), customer support ( 25 ), identity theft ( 129 ), Scams ( 1,604 )   

  Victim loses $25K to disturbing bank scam 

  

  By Greg Collier

  A woman from Waco, Texas, recently lost $25,000 to scammers who were posing as her bank’s fraud department. The victim was asked by the caller if she had made a $25,000 advance from her account. The victim replied she hadn’t and was given instructions on how to move the $25,000 to keep the money from being lost. What the victim actually did was move the money from her account into the account of the scammer. Some may ask, why would anybody allow their money to be taken like that? When you see how the scammers convinced the victim to do so, you may then think that anyone could have fallen for this scam.

  The scammers convinced the victim that they were calling from the bank by reciting the victim’s transaction history to her. According to the victim, she didn’t give the scammers any personal information. The scammers were said to have already been in possession of the victim’s account number. We wondered how the scammers were able to obtain the victim’s account number and transaction history like that. According to security experts, scammers can spoof the victim’s phone number when calling the victim’s bank. This allows the scammers to get the victim’s account number and partial transaction history without needing any additional authentication. When a scammer is armed with that kind of information, it wouldn’t be difficult to get almost anyone to fall for that scam.

  The best way to protect yourself from such a scam is to end the call, and then calling your bank’s customer service number on the back of your debit card. Even if the caller ID said the call was coming from your bank, don’t take it at face value. Scammers often spoof the bank’s phone number to make the call seem more convincing. Also keep in mind that if there had been fraudulent activity on your bank account, your bank can usually correct the matter on their end. They typically don’t have you close an account and open a new one to protect you from fraud. That is fraud in itself.

   

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  Geebo 8:00 am on April 7, 2022 Permalink | Reply
  Tags: employment ( 43 ), job scam ( 92 ), LinkedIn ( 4 ), Scams ( 1,604 ), social media ( 88 )   

  Even LinkedIn has job scams 

  

  By Greg Collier

  When we think of social media scams, we normally think of platforms like Facebook and Instagram. When we think of online job scams, we might typically think of platforms like Craigslist. When it comes to job scams on social media, we don’t usually think of LinkedIn. While it may not be LinkedIn’s intention, the social network gives off an impression that it’s for professionals to network with other professionals. LinkedIn may also give its users a false sense of security when it comes to being recruited by an employer. What many LinkedIn users seem to forget is anybody can open a LinkedIn account under any name they want. Anybody can claim to hold a position that they don’t currently hold, such as job recruiter.

  The Better Business Bureau is warning LinkedIn users that phony job recruiters are scamming victims out of money and personal information. In one instance, an Indiana woman was hired rather quickly for a work at home position she applied for on LinkedIn. The woman was asked by her supposed employer to open a bank account in her name to book a conference for the phony company. Thankfully, she realized it was a scam before she opened the account. Unfortunately, others have not been so lucky.

  In other instances, the phony recruiters have asked for money upfront for training or business supplies. After the victims have paid the recruiter, the job never materializes. This is after the victim has supplied the recruiter with their personal information during the application process. This often leads to the applicants becoming victims of identity theft.

  The best way a LinkedIn user can protect themselves against this scam is to thoroughly research the company and the recruiter offering the position. If their profiles are filled with grammatical errors, the odds are pretty good they’re scammers. You can also ask to speak to the recruiter on the phone. While it’s not a guarantee of dissuading a scammer, it will go a long way in weeding many of them out.

   
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  Geebo 8:00 am on April 6, 2022 Permalink | Reply
  Tags: FBI ( 32 ), Scams ( 1,604 ), virtual kidnapping ( 50 ), voice cloning ( 31 )   

  FBI: Voice cloning used in kidnapping scams 

  

  By Greg Collier

  You receive a phone call where the caller says they’ve kidnapped one of your loved ones. You ask to speak to them, and the voice on the phone sounds exactly like them. But it’s not actually your loved one. Instead, it’s a scammer who’s using a technology to mimic your loved one’s voice. It sounds like something that could only happen in a movie. However, not only is it possible, the FBI is saying that it’s happening now.

  Voice cloning technology is typically used by people who can no longer speak on their own due to medical reasons. The FBI has issued a warning that scammers are using the technology in virtual kidnapping scams. In the virtual kidnapping scam, scammers will call their victim claiming they’ve kidnapped one of the victim’s loved ones and is holding them for ransom. The supposed kidnap victim is almost always safe and unaware, but the scam victim doesn’t know that at the time. On the more low tech side, the scammers will have someone screaming in the background to make it seem like the victim’s loved one is being abused. But now, the FBI is saying that scammers are using the expensive voice cloning technology to mimic the voice of the victim’s loved one.

  Scammers can get just about anyone’s voice by calling them and engaging them for a few minutes. Once the scammers have enough of that person’s voice recorded, they can use it to imitate that person’s voice almost perfectly. This tactic can go a long way in convincing a victim that the kidnapping is real.

  To better protect your loved ones against such scams, it’s recommended that you set up a code word to ensure that they’re talking to the person they say they are. If you receive a call that you suspect may be a cloned voice, you can always ask the caller a question that only they would know. And as always, if you can, contact someone else in your family to make sure that the person who’s been supposedly kidnapped, is safe and sound.

   
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  Geebo 8:00 am on April 5, 2022 Permalink | Reply
  Tags: bank fraud ( 29 ), bank scam ( 80 ), customer service ( 58 ), Scams ( 1,604 ), Zelle ( 74 )   

  Is this the only way for Zelle scam victims to get their money back? 

  

  By Greg Collier

  The Zelle scam has been garnering headlines since at least last October and shows no signs of relenting. If this is the first you’re hearing about the Zelle scam, this is the scam where bad actors get you to transfer money through the Zelle app to the scammers under the guise of protecting your bank account.

  To further clarify, the way the scam works is the scammer will send you a text message that appears to come from your bank. The text message asks if you recently made a large purchase or transfer. You’re asked to reply YES or NO to the text message. If you reply to the text message, you’ll receive a call from the scammer posing as your bank’s fraud department. The scammer will tell you that to protect your money, it needs to be moved through Zelle. What the scammer is really doing is walking you through the directions on how to move your money from your account to the scammer’s account. The scam has become so prevalent that some scammers are even taunting their victims after taking their money.

  The banks who co-own Zelle have been inconsistent with whom they deem worthy enough to receive a refund. In the majority of instances, the banks tell scam victims since the victims authorized the transactions, the victims are out of luck. The Zelle platform offers little in the way of consumer protection.

  Those who do receive refunds from their banks seem to be those who go to their local media with their stories. It appears the banks are responding to bad press rather than customer concern. While the scammers are ultimately to blame for victims losing their money, there comes a time when a platform has to step up to protect their customers. So far, all that Zelle seems to be doing to protect its users is to wag their finger at the victims who have lost money through their app. How much bad press will it take before Zelle’s owners start implementing precautions to prevent these scams?

  If your bank uses Zelle, there are a few ways to protect yourself from this scam. The first is to not respond to text messages that appear to come from your bank. If there is an issue with your account, you’re always better off calling the customer service number on the back of your debit card. You can also visit your bank’s local branch during business hours. The best way to protect yourself is to keep in mind that payment apps like Zelle are only supposed to be used with people you know. If someone says you need to use one of these apps to protect your money, they’re more than likely a scammer.

   
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  Geebo 8:00 am on April 4, 2022 Permalink | Reply
  Tags: advance fee scam ( 54 ), identity theft ( 129 ), Instagram ( 17 ), iPhone ( 16 ), Scams ( 1,604 ), social media ( 88 ), sweepstakes ( 27 )   

  Instagram scam promises free iPhone 

  

  By Greg Collier

  Not too long ago, we brought you a post about how an Instagram scam could hijack your account. As we mentioned then, there are no shortages of scams on the popular photo sharing platform. Recently, one of those scams rose above the others to garner some headlines.

  CNET is reporting an iPhone giveaway scam is currently plaguing Instagram users. If you use Instagram on a consistent basis, you may have seen one of these scam posts. Users are being tagged by what are essentially spam accounts. These posts promise you a free iPhone 13 and all you need to do is click the link in the tagger’s profile. According to CNET, if you click the link, you’ll be taken to a website where you’ll be asked for your personal information and a credit or debit card number.

  While the CNET article does not go into specifics, we believe this could be one of two scams. The first one is straight up identity theft. With your personal and financial information, scammers could easily take over your life. Not only could identity thieves use your card for fraudulent purchase, but they could also use your information to take out loans or open other lines of credit.

  The other scam could be the advance fee scam. This is where a user is told they’ve won something, but have to pay a fee to collect their prize. This is a common scam when it comes to online giveaways. The scammers will disguise the payments as shipping fees, insurance for the item, or some form of tax. While this practice is illegal in the United States for legitimate sweepstakes, scammers aren’t concerned with the law.

  The best way to avoid this scam is to not expect anything for free on social media. Never click the links that these scam Instagram accounts provide. Furthermore, never give your personal information to random Instagram accounts, no matter how good the prize their offering is. Lastly, you can set your Instagram account to only be tagged by people you know or people you follow. You can also set it to where users can manually approve each tag they receive. The CNET article has the instructions for that.

   
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  Geebo 8:00 am on April 1, 2022 Permalink | Reply
  Tags: credit card ( 9 ), credit card fraud ( 5 ), customer service ( 58 ), customer support ( 25 ), Scams ( 1,604 )   

  Credit card scammers pose as fraud department 

  

  By Greg Collier

  Police departments in the Midwest are warning consumers about a scam involving their credit cards. Scammers are posing as the credit card company’s fraud department and calling their victims. The scammers tell their victims they’ve found an unusual purchase pattern on the victim’s account. For some reason, the scammers are saying the victims are being charged close to $500 for an anti-telemarketing device. We can’t tell if that’s ironic or if the scammers are being trolls at this point.

  Of course, the victim is going to say they did not make this purchase. However, to further entice the victim, the scammers say that they will be issuing a credit to the victim’s account. The victim is then asked for their three digit security number from the back of their card to confirm that they are the cardholder.

  The reason the scammers are asking for the security number and not the card number itself is because the scammers already have the card number. The security number is the only piece of information they need to start using the victim’s credit card for fraudulent purchases. The card numbers are often made available to scammers through no fault of the cardholder. The card numbers are often sold in the dark corners of the internet after a major data breach.

  If you receive one of these calls, do not give any personal information to the caller. Real credit card representatives will already have all of that information. Instead, hang up the call and check your credit card account for any fraudulent activity. Even if you don’t see any fraudulent activity on your card, call the card’s customer service department at the number listed on the back of your card, or from the card company’s website. If it turns out it was a scammer who called you, let your credit card company know, so they can be on the lookout for fraudulent activity.

   
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  Geebo 8:00 am on March 31, 2022 Permalink | Reply
  Tags: card shimmers, florida ( 31 ), gas pumps ( 3 ), Homeland Security ( 4 ), Houston ( 9 ), mail fraud ( 24 ), Nebraska ( 4 ), Scams ( 1,604 ), texas ( 23 ), text messaging ( 37 ), text scam ( 31 ), traffic tickets ( 6 ), urban legend, Verizon ( 10 )   

  Scam Round Up: Red light tickets, Homeland Security texts, and more 

  

  By Greg Collier

  This week, we’re bringing you a plethora of scams from around the country that you may want to be aware of. You never know when they might come to your area.

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  Some residents of Lauderhill, Florida, have reported receiving phony red light tickets in the mail. Typically, if a motorist runs a red light equipped with a camera, they will receive a ticket in the mail. However, these phony tickets have a few red flags attached to them. In one instance, the date listed on the ticket was February 30th. The tickets also had the insignia of the Fort Lauderdale police for an infraction that supposedly happened in Lauderhill. That’s not to say these phony tickets are harmless. Pictures of the recipient’s license plate appear on the ticket. Police believe the scammers are stalking their victims. If you receive a ticket like this, do not make any kind of payment requested. Instead, contact the police department the ticket is supposedly from to make sure the charge is not legitimate.

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  Residents of the Houston, Texas area have said they’ve received an alarming text message. The text message claims that phones in the area have been hacked, and you’ll receive a call asking about your vaccination status. Supposedly, if you reply to the phone call, your banking information will be stolen from your phone. It doesn’t end there, though. The text message also claims the Department of Homeland Security is advising citizens to top off the gas in their vehicles and keep cash on hand because of the situation in Ukraine. So what’s the scam here? Well, we don’t think there is one. Instead, we believe that this is an instance of an urban legend. This incident hearkens back to the early days of the internet, when people would forward emails about untrue things like Bill Gates giving away a million dollars, or why you shouldn’t flash your high beams at a car that flashes you first. If you receive a text like this, check with legitimate sources first before proclaiming it as fact.

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  Speaking of gas for your car. If you pay at the pump, you may often check the gas pump for card skimmers. These are devices that are attached to the card slot of the gas pump that steals your card information. Most people who do check do so by pulling on the card slot to make sure nothing comes free. However, according to the Better Business of Bureau of Nebraska, there is a new threat at the gas pump to worry about. These devices are called shimmers, and are virtually undetectable. They are paper thin devices that go in the card slot and can also steal your card information. To avoid this scam, you can pay inside the gas station or use a credit card, which has more protection than a debit card.

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  Lastly, if you’re a customer of Verizon, you may have received a text message that looks like it came from your number. The text messages claim to be from Verizon and state that your bill is paid and to click a link to receive a gift. In some instances, customers were taken to a website that asked them for personal and financial information. In other instances, customers were taken to a Russian state media network. As always, you should never click on strange links from people you don’t know personally, and even then, you should still be suspicious. If you receive one of these texts, you should delete it immediately.

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  We hope we’ve armed you with enough knowledge to protect you from these scams in the future.

   
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  Geebo 8:12 am on March 30, 2022 Permalink | Reply
  Tags: Facebook ( 182 ), Facebook Messenger ( 4 ), Messenger ( 4 ), Scams ( 1,604 ), social media ( 88 )   

  New twist on old scam comes to private messaging 

  

  By Greg Collier

  Most of us have a friend or loved one who we constantly communicate with online. Many of us like to share jokes and memes with that person that we think they’ll find humorous. Now, what if that person sent you a private message that said ‘Look what I found’ along with a laughing emoji and a link? Many of us could be forgiven for clicking on that link since it supposedly came from a trusted friend. However, if the link is clicked, you could end up losing one of your most valuable online accounts.

  For many, the majority of their online presence is on Facebook. It’s where their friends are, it’s where they get their news, and it’s how they communicate with others. In internet terms, this is known as a walled garden. AOL was famous for being a walled garden back in the internet’s early days. In essence, the more a platform can keep their users engaged, the more profitable it becomes. One of the problems with walled gardens is users can be too trusting of other users on the platform, which inevitably leads to scammers.

  Currently, tech experts are warning about a scam that’s taking place on Facebook Messenger. Users are receiving messages from close friends that say ‘Look what I found’ along with a laughing emoji and a link. The person who appears to have sent the message have had their Facebook account compromised. If the message’s recipient clicks on the link, it takes them to a website that looks like Facebook and asks for your Facebook login. If a user enters their information, their account will become compromised as well. Our Facebook accounts hold a lot of personal information about us. Some accounts even have financial information saved within them. In numerous instances, it’s enough to have your identity stolen.

  This is not a new scam. In the past, the message would read ‘Is this you?’ and also include a link that would attempt to hijack your account.

  If you get a message like this, even from someone close to you, message them on a different platform to ask them if they meant to send that message. If a friend tells you that you sent a message like that, immediately change your password.

   
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  Geebo 8:00 am on March 29, 2022 Permalink | Reply
  Tags: antivirus scam ( 5 ), bitcoin ( 35 ), bitcoin atm ( 32 ), phishing ( 91 ), Scams ( 1,604 )   

  Antivirus scam costs victim $19,000 

  

  By Greg Collier

  If you’re a computer user who’s been using the internet since the dial-up days, you may still be using antivirus software. Even older users who may have just gotten on the internet probably use antivirus software as well. If you’re in one of these demographics, you may have it ingrained into your internet habits to have robust protection against computer viruses. Most users will opt for the free package many antivirus companies offer. Others will want that extra protection and pay for an antivirus subscription. It’s the latter group that scammers are hoping to catch unaware.

  An Indiana woman recently fell victim to an antivirus scam. She says that a notification appeared on her computer that said she had been charged $500 for Norton Antivirus. The victim had not used Norton in a while, but felt the service may have been one of her bills that are on auto-payment. The notification she received also included a phone number to call in case of any questions.

  The victim called the number and was told the problem could be corrected if the customer service representative could have remote access to her computer. The victim entered an access code on her computer, and the rep then had access. The rep then claimed that they had made a mistake and the victim now owed them $12,000. To rectify the matter, the victim was instructed to withdraw $12,000 from her bank and transfer it to Bitcoin using a Bitcoin ATM at a local gas station.

  If you’re a regular reader, you already know where this is going. The notification and call center were both run by scammers. Not only did the scammers get the $12,000 in Bitcoin, but they also took an additional $7,000 directly from the victim’s bank account.

  If you receive an email, text, or any kind of message from some company that claims you owe them money, do not call the phone number included. Instead, go to the company’s official website, and use the phone number from there. Furthermore, most legitimate companies do not ask for any kind of payment in Bitcoin or other cryptocurrencies. While Bitcoin is easy to track, it’s nearly impossible to recover once it’s given to scammers. And please keep in mind, you shouldn’t give remote access to your device to any stranger. Lastly, no real company will ask you to withdraw money from your account if they made a mistake. Any decent company worth their salt can correct the matter on their end without any need for bank access.

   
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  Geebo 8:00 am on March 28, 2022 Permalink | Reply
  Tags: covid-19 ( 49 ), Michigan ( 7 ), puppy scam ( 37 ), Scams ( 1,604 )   

  State warns of increase in puppy scams 

  

  By Greg Collier

  When the emotional overrides the rational, we leave ourselves open to scams. And nothing much elicits a more emotional response than when someone sees a puppy. It’s even more so when someone has recently lost their long-time canine companion. This is why one state has recently issued a warning about an increase in puppy scams.

  The Michigan Attorney General’s Office has issued a warning to residents of The Great Lakes State that they’ve seen a dramatic increase in the numbers of puppy scams being reported. Typically, puppy scams occur when someone is shopping online for a puppy. Too often, the puppies found for sale online don’t even exist. Scammers will set up a website that makes it look like they’re a legitimate dog breeder. The photos of puppies used on the scammer’s website are often stolen from the websites of legitimate breeders.

  Scammers will offer the puppy at a price below what most breeders are asking for. If someone attempts to buy a puppy from a scammer, they’ll then be asked to pay more money for more services that were not part of the original asking price. These can include payments for shipping insurance or specialized shipping crates for the puppy. Like in most scams, the scammers will continue to ask the victim for money until the victim realizes they’ve been scammed.

  The AG’s Office says that, specifically, scammers have been using COVID-19 as part of their scams. The scammers will say a buyer can’t see the puppy in person because of COVID-19. The scammers have also been asking for additional money for protective crates, COVID-19 vaccines for the puppy, and pandemic insurance.

  If you find yourself in the market for a puppy, research is the best way to protect yourself from these scams. Prospective pet owners should first research the breed they’re interested in to make sure they can properly care for the puppy’s needs. Not all breeds are the same. Buyers should try to stick to their local area as much as possible. You increase your chances of becoming a scam victim if you order a puppy from too far away. Research the breeder as much as possible. You can do a web search with the breeder’s name along with the words ‘complaint’ and ‘scam’ to see if anyone’s been a victim of a fake breeder. The Michigan AG even recommends making any puppy purchase with a credit card, as credit cards have a higher level of protection than most forms of payment. Speaking of payment, never pay for a puppy using apps like Cash App, gift cards, or cryptocurrency, as these are all indicators of a potential scam.

  As always, we highly recommend adopting a puppy from your local animal shelter. This can often be done with minimal or no cost. Some shelters even have waiting lists you can sign up for if you’re looking for a certain breed. Don’t let the shelter stigma convince you that all shelter dogs are problems. Many of them are there through no fault of their own and would make a great addition to any household.