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  • Geebo 9:00 am on December 22, 2025 Permalink | Reply
    Tags: charity scam, , , ,   

    This Holiday “Good Cause” Might Be a Credit Card Test Scam 

    By Greg Collier

    With so many purchases flying by during the holiday season, it’s easy to overlook a small charge here or there on your credit card statement, especially if it looks like a donation.

    That’s exactly what scammers are counting on.

    If you spot a charity charge you don’t remember authorizing, it may not be holiday generosity you forgot about. It may be a credit card testing scam, and the small charge is just the beginning.

    What’s Going On

    During December, nearly 30% of all charitable giving takes place. Between gifts, travel, and end-of-year expenses, most people aren’t scrutinizing every $2–$20 charge.

    Scammers know this.

    Instead of immediately draining an account, they often start small, quietly checking whether stolen credit card numbers still work before going bigger.

    How the Scam Works

    Here’s the typical pattern:

    1. Your credit card information is stolen
      • Through a data breach
      • A sketchy online purchase
      • A phishing scam
      • Or malware on a device
    2. Scammers “test” the card
      • They make small donations—often just a few dollars
      • Charity sites are ideal because tiny donations are common and rarely questioned
    3. The charge goes through
      • This confirms the card is active
      • The scammer now knows the number is usable
    4. Larger fraud follows
      • Big purchases
      • Cash advances
      • Or repeated unauthorized charges

    By the time you notice, hundreds—or thousands—of dollars may already be gone.

    Real-World Examples

    One report described a person approached by two men claiming to raise money for a child needing medical care. The donor was told they’d be charged $20.

    The actual charge? $2,400.

    Another victim reported that after shopping on a questionable discount site, their debit card was hit with a string of fraudulent charges:

    • $2
    • $12
    • $29
    • $67—listed as a “charity” charge

    Those early charges were the warning signs. The final one confirmed the card was still valid.

    Why This Scam Is Easy to Miss

    • Charges are small
    • The description looks legitimate
    • It happens during the busiest spending month of the year
    • People assume it’s a donation they forgot making

    By the time the fraud is obvious, the damage is already done.

    Red Flags

    • Charity charges you don’t recognize
    • Multiple small charges in a short period
    • Donations made after shopping on unfamiliar websites
    • Requests for payment via:
      • Gift cards
      • Wire transfers
      • Peer-to-peer apps
    • Pressure to “donate now” without verification

    If something feels off, it probably is.

    How to Protect Yourself

    Check your statements regularly
    Don’t wait until the end of the month. Scan your charges frequently, especially in December.

    Report suspicious charges immediately
    Contact your card issuer’s fraud department right away. Waiting only helps the scammer.

    Replace compromised cards
    Once fraud is suspected:

    • Cancel the card
    • Get a new number
    • Change your PIN

    Be cautious online

    • Avoid suspicious discount sites
    • Don’t click donation links from unsolicited messages
    • Keep devices updated with anti-malware software
    • Look for secure sites (https and lock icon—but remember, those alone aren’t guarantees)

    Use credit cards, not debit cards
    Credit cards generally offer stronger fraud protections and faster recovery for unauthorized charges.

    Final Thoughts

    That “tiny donation” you don’t remember making may not be kindness—it may be a test run.

    Scammers rely on distraction, goodwill, and holiday chaos to slip under the radar. A few dollars today can turn into a financial headache tomorrow.

    This season, generosity is good—but vigilance is better.

    Further Reading

     

  • Geebo 9:00 am on December 16, 2025 Permalink | Reply
    Tags: charity scam, contactless payment, , ghost tapping,   

    “Ghost Tapping” Scams: How Tap-to-Pay Can Turn Into Tap-to-Steal 

    By Greg Collier

    Tap-to-pay cards and mobile wallets are everywhere now. They’re fast, convenient, and generally secure.

    But scammers are finding ways to abuse that convenience, and the Better Business Bureau is now warning about a growing scam they call “ghost tapping.”

    This isn’t a hack. It’s a confidence trick that relies on distraction, social pressure, and people assuming tap-to-pay is always safe.

    What’s Going On

    According to the BBB, scammers are targeting people who use tap-to-pay cards or mobile wallets in crowded or distracting environments.

    The idea is simple. Scammers get you to tap quickly without clearly seeing the amount and walk away with far more money than you expected to pay.

    Several victims have already reported losing hundreds or even thousands of dollars.

    How the “Ghost Tapping” Scam Works

    Scammers typically rely on social engineering, not technology.

    Common tactics include:

    • Getting physically close in public places
    • Pretending to be a legitimate vendor
    • Running fake charity or fundraising pitches
    • Rushing the transaction so you don’t stop to think

    One reported case involved a man going door-to-door selling chocolate, claiming the money supported special-needs students. He told residents he could only accept tap-to-pay.

    Once the victim tapped their card or phone, the scammer allegedly charged large amounts without clearly showing the total.

    Reported losses included:

    • One woman’s mother losing $537.
    • Another victim lost $1,100.

    By the time the charge was noticed, the scammer was long gone.

    Why This Works

    Tap-to-pay trains people to move fast.

    Scammers exploit that by:

    • Creating urgency
    • Avoiding receipts
    • Keeping screens angled away
    • Using emotional hooks like charity appeals
    • Operating where people are distracted (festivals, markets, busy sidewalks)

    The technology isn’t broken, but human attention is.

    Red Flags

    The BBB says you should be suspicious if:

    • You’re asked to tap without seeing the total
    • No receipt is offered
    • The seller insists on tap-to-pay only
    • You receive small “test” charges on your account
    • You notice strange charges after being in crowded areas

    If someone won’t slow down or show you the amount clearly, that’s your cue to stop.

    How to Protect Yourself

    The BBB recommends several practical steps:

    • Use an RFID-blocking wallet or sleeve
    • Always confirm the payment amount before tapping
    • Set up transaction alerts with your bank
    • Regularly review your statements
    • Limit tap-to-pay use in high-risk or crowded areas

    Convenience should never override verification.

    What to Do If You’re a Victim

    If you think you’ve been hit by a ghost-tapping scam:

    1. Contact your bank or card issuer immediately
    2. Freeze or cancel the affected card
    3. Dispute the charges
    4. Report the scam to the BBB’s Scam Tracker

    The faster you act, the better your chances of limiting the damage.

    Final Thoughts

    Tap-to-pay is generally safe, but it’s not magic.

    Scammers don’t need to break encryption if they can rush you, distract you, or manipulate your trust.

    If you didn’t clearly see the amount, didn’t get a receipt, or felt pressured to tap quickly, assume the worst and check your account immediately.

    When it comes to tap-to-pay, slow beats stolen.

    Further Reading

     

  • Geebo 9:00 am on November 24, 2025 Permalink | Reply
    Tags: , charity scam, , , , tragedy   

    AI Charity Scams Exploiting Tragedy 

    By Greg Collier

    Every disaster sparks generosity, and fraudsters are now using AI to cash in on it.

    A Cause You Care About and a Lie You Never Saw Coming:

    When a wildfire, earthquake, or school tragedy hits, people instinctively want to help. Within hours, social media floods with donation links, emotional photos, and urgent calls to “act now.” But not all of them are real.

    Investigators are warning of a sharp rise in AI-generated charity scams, where fraudsters use fake photos, cloned victim stories, and synthetic testimonials to create convincing donation pages that exploit public empathy.

    According to the Federal Trade Commission, charity-related scams surged by 68% in 2025, with many traced to fraudulent GoFundMe pages, cloned nonprofit websites, and even deepfake videos of “aid workers” asking for funds.

    What’s Going On:

    1. A tragedy trends online. Within minutes, scammers generate AI-created images of crying children, destroyed homes, or hospital scenes.
    2. Fake donation pages go live. These pages use realistic nonprofit branding or names like “United Earth Relief” or “KidsFirst Global,” none of which actually exist.
    3. Emotion and urgency drive action. People donate small amounts ($10–$50), which quickly add up to millions across multiple fake campaigns.
    4. Funds disappear. The scammers close the page within 72 hours and move the money through cryptocurrency or international accounts.
    5. Reputational fallout. Real charities suffer when donors stop trusting online fundraising entirely.

    Some fraudsters are even using AI voice cloning to pose as known charity representatives or local news anchors, giving “updates” on aid efforts that never happened.

    Why It Works:

    • Emotional manipulation: Disasters evoke strong empathy and urgency—people donate before verifying.
    • AI realism: Synthetic photos and deepfake videos are now indistinguishable from real footage.
    • Small donation psychology: Scammers keep requests low ($5–$25) to avoid suspicion.
    • Platform trust: Many assume popular crowdfunding sites fully verify campaigns, which isn’t always true.
    • Instant payment tools: Apps like Cash App, Venmo, and crypto wallets make donations fast and irreversible.

    Red Flags:

    • Donation links shared through new or unverified accounts that just joined social platforms.
    • Fundraiser names that sound generic or global, rather than tied to a local group.
    • Emotional imagery that feels overly dramatic or AI-rendered (too perfect lighting, distorted hands, repeated faces).
    • No clear information about how the funds will be used or who runs the campaign.
    • Requests for cryptocurrency, gift cards, or direct transfers instead of secure charity processors.

    Quick Tip: Before donating, look up the charity’s name at CharityNavigator.org or through the IRS nonprofit registry. If you can’t find them, they’re not real.

    What You Can Do:

    • Give through known organizations. Stick with the Red Cross, UNICEF, or established local groups.
    • Check the domain name. Real charities rarely use domains like “.co” or “.shop.”
    • Don’t rely on photos alone. AI can fabricate entire disaster scenes; check for news coverage or official confirmation.
    • Be skeptical of “viral” fundraisers. Especially if they spread rapidly on TikTok, Telegram, or Facebook within hours of a tragedy.
    • Report fake fundraisers. Use in-app reporting tools or notify the FTC and the platform hosting the campaign.

    If You’ve Been Targeted:

    1. Contact your bank or card provider to dispute unauthorized donations.
    2. Report the page to the hosting platform (GoFundMe, PayPal Giving, etc.).
    3. File a report at ReportFraud.ftc.gov.
    4. Post a warning in community forums or local groups to alert others.
    5. Keep documentation (links, screenshots, receipts)—it helps authorities trace funds.

    Final Thoughts:

    AI isn’t just transforming technology; it’s reshaping fraud. Scammers no longer need real victims to profit from tragedy; they can create them out of pixels and prompts.

    In the chaos of a crisis, the best gift you can give is a moment of pause. Verify before you give. Real aid starts with real accountability.

    Further Reading:

     

  • Geebo 8:00 am on September 25, 2025 Permalink | Reply
    Tags: charity scam, , ,   

    Police Tragedies Used in Scam Drives 

    Police Tragedies Used in Scam Drives

    By Greg Collier

    In the aftermath of tragedy, communities often come together to grieve, to remember, and to offer support. Unfortunately, those same moments of collective sorrow also attract opportunists who see vulnerability as a means to profit. Recent incidents have highlighted how quickly fraudulent fundraising efforts can appear following deaths and other high-profile events, preying on the generosity of people who only want to help.

    Authorities in Pennsylvania recently warned residents to be cautious when donating to causes linked to three law enforcement officers who died in the line of duty and two others who were injured. Officials noted that scammers often seize on the public’s compassion, creating false donation drives designed to funnel money away from those truly affected. In this case, people were urged to verify the legitimacy of any fundraising effort by checking official channels such as police department pages or recognized associations before making a contribution. The advice reflects a broader pattern that has repeated itself in tragedies across the country.

    In New Orleans, the family of a local police officer who died recently discovered a fake crowdfunding page created in his name. The fundraiser was not authorized by the family, yet it began soliciting money from strangers who believed they were providing comfort and support. While the platform ultimately removed the campaign and refunded donors, the incident underscores how quickly such scams can materialize. The creation of the page occurred within days of the officer’s death, illustrating how scammers monitor news of loss and act immediately to exploit it.

    These cases are not isolated. Fraudulent fundraisers have followed natural disasters, mass shootings, and individual tragedies alike. The speed with which they emerge shows that scammers rely on the urgency of public sympathy and the limited time people often spend verifying details. In many cases, the organizers of these schemes never have access to funds if platforms intervene in time, but the emotional toll and confusion created in the process cannot be undone. Families already in mourning are forced to spend their time issuing warnings and clarifications instead of focusing on healing.

    Tragedies should never be treated as opportunities for profit, yet criminals repeatedly exploit the instinct to give. Donors can protect themselves by pausing before clicking on links, particularly those shared through private messages or social media comments, and by taking the time to research where a fundraiser originated. Visiting the websites or pages of local agencies, police departments, or recognized charitable organizations provides a clearer picture of which efforts are legitimate. Even a quick search to see if a campaign has been acknowledged by trusted institutions can make the difference between helping a family in need and lining the pockets of someone with bad intentions.

    Anyone who suspects they have been targeted by a fraudulent fundraiser can report the incident to their state’s consumer protection office or directly to the fundraising platform where the campaign appeared. In Pennsylvania, the Office of Attorney General’s Bureau of Consumer Protection provides an online complaint system and a phone line for victims of scams. In other states, similar agencies can be contacted to investigate deceptive practices. Taking the step to report suspicious activity not only protects individual donors but also helps prevent others from being misled.

     

  • Geebo 8:05 am on September 16, 2025 Permalink | Reply
    Tags: charity scam, Charlie Kirk, , , ,   

    Scammers Target Charlie Kirk Tragedy 

    By Greg Collier

    Authorities in Georgia are warning residents about a scam that has surfaced in the aftermath of the recent shooting of Charlie Kirk. Reports have circulated of fraudulent text messages being sent to cell phone users, claiming to be from Kirk’s wife, Erika, and urging people to donate in his honor. The messages are written in emotional language, suggesting that the movement Kirk built will grow stronger if people join in support, and they include a link for recipients to click.

    Law enforcement in both Effingham County and Habersham County has confirmed that the messages are not legitimate. Officials have stressed that scammers are attempting to exploit a national tragedy for financial gain. They cautioned that clicking on the links may expose victims to identity theft, malware, or fraudulent financial schemes. Instead of helping Kirk’s family or continuing his mission, the messages are designed to deceive and manipulate those who are grieving or sympathetic.

    Residents have been urged to delete the texts immediately and to report them to their carriers or local authorities. Officials also remind the public that legitimate fundraising efforts will never come through random text messages with suspicious links.

    This is not an isolated tactic. Scammers are always looking to make money out of any tragedy, whether by pretending to raise funds for victims, impersonating family members, or setting up fake charities. After natural disasters such as hurricanes or wildfires, fraudulent charity websites often appear within hours, and after the deaths of public figures, fake memorial fundraisers frequently surface. The scam tied to Kirk’s death follows the same predictable pattern, using grief and confusion as tools to steal.

    Authorities say awareness is the strongest defense, and anyone who receives such a message should recognize it for what it is, a calculated attempt to profit from pain.

     

  • Geebo 8:00 am on July 23, 2025 Permalink | Reply
    Tags: charity scam, , , ,   

    Beware the “Tap to Pay” Charity Scam 

    Beware the "Tap to Pay" Charity Scam

    By Greg Collier

    A troubling scam is making its way through parts of the Midwest, targeting those with generous hearts and good intentions. Lately, police in Maplewood, Minnesota, have begun investigating cases that appear to be linked to a growing trend seen in other cities like Chicago. The scam involves individuals posing as grieving family members who claim to be raising funds for the funeral of a child, often using emotionally charged stories and photos to gain sympathy. But behind the facade is a calculated effort to steal from unsuspecting victims.

    In the reported Maplewood cases, victims were approached in grocery store parking lots by people holding clipboards and asking for small donations. The stories they shared involved a tragic death and a plea for help covering funeral expenses. What seems like a reasonable request for a few dollars quickly turns into financial fraud. Instead of accepting cash, the scammers insist on using a digital payment system, often tapping the victim’s card on a mobile device. Once the card is tapped, the victim is charged not for the small donation amount but for thousands of dollars.

    In one instance, a local resident believed she was donating five dollars, only to find a five-thousand-dollar charge pending on her credit card shortly after leaving the store. The charge was flagged as suspicious by her bank, prompting an investigation. Police believe the transaction was processed through a vendor based out of Chicago, suggesting the scam may be traveling across state lines.

    This tactic bears similarities to other charity scams reported in various regions. In each case, scammers rely on emotionally manipulative stories, urgent appeals, and fast, digital payment methods to trick people into surrendering large sums. These scams prey on empathy and exploit the convenience of modern financial technology to quickly drain funds before the victim even realizes what happened.

    Authorities urge anyone who has been approached in a similar fashion to carefully check their bank and credit card statements for unusual activity. If anything seems suspicious, local law enforcement should be contacted immediately. While this scam has so far only resulted in a few reported cases in Maplewood, it mirrors a broader pattern of fraud that has impacted communities nationwide.

    The public is reminded to remain cautious when approached for charitable donations in public spaces. Genuine charitable efforts will never pressure donors to pay using specific methods, nor will they obscure the terms of the transaction. Staying aware and trusting your instincts can help prevent you from becoming the next victim.

     

  • Geebo 12:02 pm on July 11, 2025 Permalink | Reply
    Tags: charity scam, , , , , , ,   

    Scammers Target Texas Flood Victims 

    By Greg Collier

    The recent floods in Central Texas have left behind a trail of destruction and heartbreak. With more than 100 lives lost, including several children at a summer camp, communities are now faced with the long and difficult road to recovery. As families grieve and begin rebuilding, authorities are urging residents to be vigilant against opportunistic scams that often follow in the wake of natural disasters.

    One major concern involves individuals posing as contractors offering to repair flood-damaged homes. These scammers frequently approach victims by phone, email, mail, or even door-to-door. They may demand payment upfront and then disappear without completing any work. Others may perform substandard repairs or use unlicensed labor, leaving homeowners in worse shape than before. Officials have also warned that during a disaster declaration, price gouging laws are in effect, and vendors are not permitted to charge excessive prices for basic goods and services.

    Another area of concern involves fraud related to FEMA. While the agency’s current role in disaster relief may be subject to change, fraudsters have historically used its name to gain access to victims’ personal information. Scammers may call, email, or visit flood victims pretending to be FEMA officials. They often ask for Social Security numbers, banking details, or other sensitive information under the guise of offering aid. It is important to remember that filing a FEMA claim is always free. Anyone who asks for payment to file or expedite a FEMA application is not legitimate.

    Charity scams are also a growing threat. After any disaster, fraudulent organizations often emerge, claiming to raise money for relief efforts. These fake charities may use emotional appeals and professional-looking websites to appear legitimate. In some cases, scammers have targeted the families of victims directly, falsely claiming to have information about missing loved ones in order to extort money. Others may solicit donations through crowdfunding platforms without any real connection to those affected by the disaster.

    Authorities have emphasized the importance of verifying the legitimacy of any organization before donating. If a group is not a registered nonprofit with tax-exempt status, donations may not be deductible and could ultimately end up in the hands of bad actors. Consumers are advised to rely on well-established resources such as the Better Business Bureau, GuideStar, and Charity Navigator to confirm whether an organization is a recognized nonprofit. These platforms provide public records, ratings, and financial details to help donors make informed decisions.

    In a time of widespread loss, generosity can make a meaningful difference. But staying informed and cautious can help ensure that support reaches those who truly need it and prevents further harm in the aftermath of an already devastating event.

     

  • Geebo 8:00 am on June 9, 2025 Permalink | Reply
    Tags: , , charity scam, ,   

    TikTok Cat Shelter Scam Exposed 

    TikTok Cat Shelter Scam Exposed

    By Greg Collier

    A deceptive new charity scam has emerged on TikTok, once again proving how scammers adapt old tactics to modern platforms. The Better Business Bureau is warning users to be cautious, especially when appeals appear heartwarming and urgent.

    A recent report to the BBB involved a TikTok account using stolen or AI-generated videos of an elderly couple selling novelty items like cat toys or slippers. These products were marketed as part of a fundraiser to help save a struggling cat shelter. A link in the video directed viewers to a website offering the items for purchase. Unfortunately, buyers reported that nothing ever arrived. More troubling, their credit card and personal information were likely compromised.

    This kind of scheme relies heavily on emotional triggers. The scammers design content to make the viewer feel sympathy or guilt. By showing cute animals, pairing videos with sentimental music, and begging viewers not to scroll past, they hope to elicit a fast emotional reaction that leads to an impulsive purchase.

    The BBB recommends skepticism toward online charities that do not clearly explain how donations are used. They also advise checking organizations through resources like Give.org and Charity Navigator to verify legitimacy.

    Those who suspect they’ve been scammed should contact their credit card provider to request a chargeback and take extra precautions by enabling multifactor authentication on their digital accounts. This situation is another reminder that emotional manipulation is a powerful tool in the hands of bad actors, and that caution is always necessary before clicking on links or making online purchases.

     

  • Geebo 9:00 am on January 13, 2025 Permalink | Reply
    Tags: charity scam, , , ,   

    Scammers Exploit Wildfire Relief Efforts 

    By Greg Collier

    As wildfires continue to devastate Los Angeles County, another menace has emerged, exploiting the goodwill of those eager to assist, disaster-related scams. Law enforcement officials and consumer protection advocates are raising awareness of fraudulent schemes targeting compassionate donors looking to aid fire victims.

    Following widespread destruction, many are moved to contribute to relief efforts, hoping to provide comfort and resources to those who have lost so much. However, alongside these genuine acts of generosity, fraudulent organizations have surfaced, deceiving individuals into donating to illegitimate causes. These scams often appear highly convincing, with some posing as charitable organizations using names designed to sound credible and trustworthy.

    Authorities are particularly concerned about vulnerable populations, including elderly individuals, immigrants, and non-English speakers, who may be disproportionately targeted by these schemes. Fraudulent solicitations may arrive through phone calls, emails, text messages, or even door-to-door requests, making diligence essential.

    To counter this growing threat, officials are urging donors to approach giving with care. Researching organizations before making contributions is critical to ensuring funds reach those genuinely in need. Tools like Charity Navigator and the Better Business Bureau can help verify the legitimacy of a charity, while platforms like GoFundMe are implementing measures to confirm the authenticity of fundraisers related to the wildfires.

    Law enforcement officials are also emphasizing the importance of secure payment methods. Avoiding cash donations and opting for traceable payments, such as checks or online transactions, can help protect against fraud. If a donation request appears suspicious, authorities encourage the public to report it immediately for investigation.

    The justice system has promised to take a hard stance against those exploiting this tragedy. Scammers seeking to profit from the devastation prey on the goodwill of donors and compound the suffering of those already affected by the fires. Legal and consumer protection teams are committed to pursuing and prosecuting these bad actors to the fullest extent of the law.

    In these challenging times, generosity remains a powerful force for recovery. By staying informed, taking precautions, and supporting reputable organizations, individuals can ensure their contributions provide real and meaningful assistance to those impacted by the wildfires.

     

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

    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.

     

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