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  • Geebo 9:00 am on December 22, 2022 Permalink | Reply
    Tags: , , , customer service,   

    Never send cash through the mail for any reason 

    Never send cash through the mail for any reason

    By Greg Collier

    Many of us probably got a delivery from Amazon in the past week or so. These deliveries will no doubt bring joy to our loved ones for the holidays. One Florida woman was almost not so lucky, as scammers posing as Amazon tried to bamboozle her in a convoluted scam.

    First, she received a phone call from someone claiming to be from Amazon. They told her a $1500 item was being shipped out under her account. She probably told the fake Amazon rep that she didn’t order anything. She was then transferred to someone posing as an agent of the Federal Trade Commission, complete with badge number. That person transferred her to another person posing as her bank, in this case, Bank of America.

    The woman was then told by the phony bank rep that her identity has been compromised, but the only way to clear it up was to hire a lawyer or pay the bank $15,000. They told her if she didn’t comply, she would be arrested. If she told anyone what was happening, the scammers said they would be arrested too.

    She was told to mail boxes of cash, but after she made a second withdrawal, the scammers told her that they needed to her to buy stuff for them. Thankfully, she realized it was a scam at this point, and she did not lend up losing any money. But look how close she came.

    While the scammers in this case tipped their hand, there are some classic tenets of scams in this one. The first one if the call from Amazon. Amazon rarely ever calls their customers. If you’ve ever received a legitimate call from Amazon, that’s winning the lottery type odds. The second is threatening someone with arrest if they don’t comply with the scammers demands. Normally, this is done when scammers pose as police, but police don’t threaten arrest for payment over the phone and neither do banks. If a business were to threaten a customer with arrest, that would be a PR disaster for that business. They also tried to keep the victim from talking to anyone else. This is usually seen in grandparent scam when phony police say there’s a gag order against you. That’s not how gag orders work. They only apply to when a case is in the process of going to trial. They can’t just be ordered against random citizens.

    Mailing a box of cash is also an old way that scammers try to collect money from their victims. There is no legitimate reason to send large amounts of cash through the mail. No law enforcement agency or legitimate business will ask you to send them cash through the mail.

    Video: Jupiter woman nearly loses thousands in scam, but recognizes red flags

     

  • Geebo 9:00 am on December 13, 2022 Permalink | Reply
    Tags: Best Buy, customer service, , , ,   

    You probably don’t have a Geek Squad subscription 

    By Greg Collier

    Tech support scams have been a blight on both smartphone and computer users for years. As much as we hate to say it, this goes doubly so for elderly users of these devices. Currently, the most common tech support scam is the pop-up scam. This is when a computer user gets a pop-up on their display that tells them their computer has been infected with a virus, and they need to call the phone number on the pop-up to have it resolved. Typically, the phone number claims to go to Microsoft, but they can also claim to be from any large tech company. If someone were to call the number from the pop-up, they’d be talking to scammers who would swindle their victims of their savings.

    However, there is a tech support scam that is a close second to the pop-up scam in the frequency with which it occurs. The difference with this scam is that it’s a phishing scam. Phishing scams are where scammers send out emails or other messages hoping to catch a victim on their proverbial hooks. This specific phishing attack uses the name of Geek Squad, which is the computer repair service arm of Best Buy.

    Scammers have been sending out emails that say your Geek Squad subscription is about to run out. The email continues with the claim that you’ll be charged several hundred dollars if you don’t cancel your subscription. The email contains a phone number to call if you want to cancel your subscription or dispute the charge. Much like the pop-up scam, the phone number leads to scammers instead of Geek Squad or Best Buy. From there, the scammers can commit a number of frauds by either taking control of the computer, getting your financial information, or both.

    Before calling any number, think back. Have you taken any device to the Geek Squad for any kind of service? If not, the email is almost certainly part of a scam. If you’re unsure, go over your financial records to see if any payments have been made to Geek Squad in the past. If not, then this is probably a scam email.

    It’s good general advice to never call any number or click on any link in an email that’s asking you for money. These emails can look like they’ve been sent by any number of legitimate companies. Instead of using the information in the email, go to the company’s website and instead contact them through official means at their website.

     

  • Geebo 9:00 am on December 1, 2022 Permalink | Reply
    Tags: customer service, , , ,   

    Microsoft pop-up scam claims more elderly victims 

    Microsoft pop-up scam claims more elderly victims

    By Greg Collier

    The technical support scam has been around almost as long as the internet has been commercially available. The scam can take many forms, but they all have the same goal. They all try to trick their victims into calling a phony technical support number. From there, any number of things can happen, from identity theft to the complete loss of a victim’s savings.

    However, there is one particular technical support scam that has become so prevalent lately, it might just be the second most common scam behind the arrest warrant scam. As we’ve said previously, barely a day goes by where we don’t see a report about this scam in multiple locations.

    The scam in question is the Microsoft pop-up scam. This is where a computer user either goes to a website or downloads an app that will trigger a pop-up telling them their computer has been compromised, and they need to call Microsoft support at the number listed on the pop-up. The elderly have largely been targeted in this scam, and many elderly victims have lost thousands to hundreds of thousands in this scam. It’s become such an issue recently, the FBI have issued a warning about the scam.

    The most recent victims who have come forward about the scam are an elderly couple from Michigan. They received one of these pop-ups on their computer stating the computer had been infected with a virus, and they need to call Microsoft immediately at the number given. They called the number and scammers told them they had to convert the money in their bank account to Bitcoin. The couple ended up sending $3000 to the scammers through a Bitcoin ATM.

    Microsoft has assured users that any legitimate pop-up from Microsoft about a virus will never include a phone number. The company recommends that if you receive one of the pop-ups with a phone number to press CTRL+ALT+DEL on your keyboard, clicking on Task Manager, and closing any programs they were using when the pop-up appeared.

    If you end up talking to one of these phony support centers, they’ll ask for remote access to your computer. You should never allow anyone you don’t know personally to have remote access to your computer, as that access is only used to further the scam or steal more information.

    If you have lost money to this scam, contact your local police department right away, then register a complaint with the FBI at ic3.gov.

    If someone in your family or someone in your community is an elderly computer user, please warn them about this scam.

     

  • Geebo 9:00 am on November 28, 2022 Permalink | Reply
    Tags: customer service, Early Warning Systems, , , ,   

    Why do Zelle scam victims only get repaid after talking to the media? 

    Why do Zelle scam victims only get repaid after talking to the media?

    By Greg Collier

    It’s been more than a year now since the Zelle scam started garnering headlines. In that time, it doesn’t seem like Zelle’s parent company has done much in the way of protecting its users. If you’ll recall, Zelle is owned by a company ironically called Early Warning Systems. In turn, EWS is owned by Bank of America, Truist, Capital One, JPMorgan Chase, PNC Bank, U.S. Bank, and Wells Fargo. You’d think between these banking heavy hitters, they’d be able to come up with a way to discourage scammers, yet here we are.

    While there are many scams that have plagued Zelle in the past year or so, we’re referring to the one where scammers pose as your bank. In this scam, victims receive a text message that asks them if they’ve made a large purchase or transfer recently. The victim is asked to respond with either a yes or no. Once the victim responds, the text message is followed up with a phone call. Posing as the victim’s bank’s fraud department, the scammers will direct the victim to either move their money or ‘pay themselves’ through Zelle to protect their bank account. What’s really happening is the scammers are walking the victim through the process of sending money to the scammers through Zelle.

    The banks, such as the ones listed above, have not been consumer-friendly when it comes to helping customers who have been scammed. Typically, these banks throw up their hands and say there’s nothing they can do. Instead, they claim since the victim authorized the transfer, even under false pretenses, the bank is under no obligation to refund the victim’s money.

    However, as we have shown, some victims have gotten their money back, but only after going to their local media. That’s exactly what happened to a family from Northern California when they fell victim to the Zelle scam. They were saving money for their daughter, who is disabled and training to be a para-equestrian. Initially, US Bank said there was no fraud, and there was nothing they could do. Then, after sharing their story with a local news station, US Bank mysteriously issued a refund. This begs the question of why do banks seem to only offer refunds when bad PR is involved? Also, what is it going to take for them to put in more safeguards to help prevent these scams?

    Please keep in mind, Zelle is only supposed to be used between friends and family, people you know personally. Any business or stranger that asks you to pay through Zelle could be trying to scam you. Your bank is also never going to ask you to move your money using Zelle.

    If you find yourself becoming a victim to this scam, the first thing you should do is file a police report immediately. While it’s not a guarantee of a refund, it does go a long way in helping. And if you’re not receiving the fair treatment you think you deserve from your bank, don’t be afraid to contact the consumer advocate reporter in your local area.

     

  • Geebo 9:00 am on November 16, 2022 Permalink | Reply
    Tags: customer service, , , ,   

    Power company CEO almost falls for shut-off scam 

    Power company CEO almost falls for shut-off scam

    By Greg Collier

    The holiday season is probably one of the worst times to be preyed upon by shut-off scammers. Not only is most of the country starting to experience much colder weather, but many of us have a lot on our minds. These are two situations shut-off scammers are hoping to find their victims in.

    In case you’re not familiar with the shut-off scam, this is when scammers call you posing as your local power company. The scammers will say that you’re behind in your bills, and your power will be shut off in 15 minutes. They’re hoping you’ll panic and make a payment to them, usually through some untraceable means like gift cards or cryptocurrency.

    Recently, in San Diego, shut-off scammers unknowingly called the CEO of the local gas and electric company. Posing as representatives of the CEO’s company, they told the CEO there was an issue with his bill, and that his service was in danger of being terminated. The CEO told the phony customer service rep his bill is normally deducted from his bank account.

    According to the CEO, the scammers were ready for that response. They told him this was a problem they were running into and plenty of other customers were saying the same thing. The scammer may have tipped their hand when they told the CEO they could go into his bank account and help him correct the situation. The CEO hung up on the caller and called the actual customer service department of his company, who told him it was a scam. He was even taken aback over how much information the scammers had about not only him, but other members of his family as well.

    We often say that anybody can fall for a scam, regardless of socioeconomic status or education level. Here we had a successful CEO who almost got taken by scammers posing as his own employees.

    But getting back to the scam itself, utility companies don’t threaten customers with termination of service by only giving them a 15-minute warning. If, for some reason, you were to be behind in your account, you would receive a written warning in the mail notifying you of the termination date. Typically, the utilities will give you enough time to try to make some kind of payment arrangement.

    If you receive a call like this that threatens to turn off your service, hang up and call the number to the utility company listed on your bill. This will allow you to not only check the status of your account, but will also warn them about the scam.

     

  • Geebo 9:00 am on November 8, 2022 Permalink | Reply
    Tags: , , customer service, online banking,   

    Online-only banks vulnerable to familiar scam 

    Online banks vulnerable to familiar scam

    By Greg Collier

    Online-only banks can be a boon to many. They give those who are underserved by traditional banks a place to safely keep their money. They can be a great tool for those in lower-income households, or those in rural areas who don’t live close enough to a traditional bank. Unfortunately, these banks and more importantly their customers, are still vulnerable to a scam that’s been mostly affecting traditional bank customers.

    Chime is an online-only bank that many people use. They offer lower fees than traditional banks, and customers’ money is still insured by the FDIC. Recently, a Chime customer received a phone call from someone claiming to be a Chime representative. They told her that there was possible fraudulent activity on her account. She was then given instructions on how to protect her money from being stolen from her account. In actuality, the representative was a scammer who was directing her money to a scammer’s account. The scammer ended up taking $1400 of the customer’s money, her entire paycheck.

    If this sounds a lot like the Zelle scam, you’d be correct in thinking so. While Chime does not use Zelle, it does have its own platform for sending money to friends and family. This can be exploited in the same way that Zelle has been in the past year or so.

    In this instance, Chime seems to act more like a traditional bank, as they refused to refund the victim her money. Many of the banks that use Zelle have refused refunds to victims, stating that since the victim initiated the transaction, even under false pretenses, they’re not eligible for refunds.

    Whether the bank is traditional or not, if someone calls you and tells you that you need to move your money to another account to protect it, they’re scamming you. If you receive one of these calls, hang up and call your bank at their customer service number listed on their website, or your debit card.

     

  • Geebo 8:00 am on September 22, 2022 Permalink | Reply
    Tags: , bing, customer service, , fake ads, , ,   

    iPhone scam is symptom of bigger problem 

    iPhone scam is symptom of bigger problem

    By Greg Collier

    Recently, an iPhone user was locked out of her new iPhone. On her husband’s phone, she did a Google search for ‘Apple Customer Service’ and called the number she found. The person on the other end of the call said they’d be happy to help her out. Except, the woman hadn’t really called Apple. Instead, she had called a phony customer support number run by scammers. These scammers had accessed her iPhone and were able to use her Zelle app to steal $1500. However, this scam is not exclusive to either Apple or Google.

    This scam is a version of the tech support scam. Instead of trying to trick victims into believing there’s a virus on their device, this scam waits for someone with a tech problem to call the scammers. In these cases, the scammers take out ads on popular search engines. Not just Google, but Bing and Duck Duck Go as well. The scammers will submit a flurry of ads to these companies in hopes just a handful get through the vetting process. If the ads get approved, they can be listed at the top of the search engine rankings. While the search engine companies claim to be on top of the problem, scammers continue to have their ads for phony customer services approved.

    There are ways to protect yourself from this scam. The first is when you’re doing a web search, make sure the listing you’re about to click on doesn’t have a tiny ad indicator near it. These are usually little text boxes that say ‘Ad’, but sometimes have a color that’s similar to the page’s background. Another way to protect yourself is by going to the manufacturer’s website directly. For example, instead of doing a web search for Apple Customer Service, just go directly to apple.com in your device’s web browser. From there you should be able to find the customer support number if the company has one.

     

  • Geebo 8:00 am on September 19, 2022 Permalink | Reply
    Tags: , customer service, , ,   

    New twist to Amazon phone scam 

    New twist to Amazon phone scam

    By Greg Collier

    Due to the popularity and reach of Amazon, it’s no surprise that the online retailer has been used in many scams. Whether it’s because of third-party sellers committing brushing scams, or scammers asking for payment in Amazon gift cards, the Amazon brand is no stranger to being used as a weapon in the scammer’s arsenal.

    However, the most common Amazon scam is the Amazon impersonation scam. This is where scammers will pose as an Amazon employee, typically over the phone. Sometimes the scam will start with an email that looks like an official email from Amazon, complete with the Amazon logo. Other times, the victims will be called directly. In both instances, the victim will be told there has been a large purchase on their account.

    Once the victim states that they didn’t make the purchase, the fake Amazon rep will direct the victim through some convoluted way of reversing the phony charge. Instead, what typically happens is the victim ends up losing money after giving their payment information to the scammers.

    More recently, law enforcement in the Kansas City Metro area have been receiving complaints about a new twist in this scam. According to reports, the scammers are now using a robocall that tells potential victims that if they hang up on the call, they’ll be charged $200 by Amazon and another $900 by their credit or debit card company.

    Scammers will almost always use some type of threat to get their victims into a panicked state. An $1100 penalty payment would just about get anyone to panic. And when someone panics, they’re not thinking clearly. This can allow scammers to get a victim’s financial information almost effortlessly.

    The best way to prevent a scam is to be prepared for one. If you receive a call or email from Amazon saying there’s a fraudulent charge on your account, check your Amazon account first and your payment method second to make sure there have been no fraudulent charges. But you should also keep in mind that Amazon seldom calls one of their customers. Even if they did, there’s no scenario where they can charge you $900 for hanging up on them.

    If you’re feeling pressured by anyone who calls you out of the blue talking about money, there are good odds that they are a scammer.

     

  • Geebo 8:00 am on August 31, 2022 Permalink | Reply
    Tags: , , , , customer service, , ,   

    Victim loses $40K in bank scam 

    By Greg Collier

    A man from the Central Valley region of California recently lost close to $40,000 in a bank scam. As far as we can tell, Zelle wasn’t even used, which is a rarity these days. The man received a phone call from someone claiming to be from the fraud department at Bank of America. The caller is said to have told the man that there were fraudulent transactions on his account. But before the ‘fraud department’ could help him, they said they needed the man to give them a six-digit code they were sending to him, so he could verify his identity.

    The man gave the caller the code, and we’ll get to the importance of that in just a bit. The caller then told the man that since there was fraudulent activity on his account, they needed to shut down the online banking option on his account. The caller was actually a scammer who drained the man’s account of nearly $40,000 with several transactions.

    The most disturbing part of this scam is that the scammer already had the victim’s personal information. The victim didn’t have to give the caller any information, as the scammer was able to give the man’s personal information to him. The scammer even disabled the notifications the man should have received when the scammer started taking large amounts out of the man’s account.

    So how was the scammer able to access the man’s bank account? The news article doesn’t go into detail about that. However, if we were to hazard a guess, it seems like the scammer already had all the information needed to access the man’s account. The information could have been obtained through any number of data breaches that have happened in the past few years.

    The only thing the scammer really needed to access the account was the authorization code. Many banks require their customers secure their account using a two-factor authentication code. So even if someone tries to log in to a bank account with the username and password, they’ll still need the 2FA code that’s typically sent to the customer’s text messages. Once the scammer was able to obtain that code, they had complete access to the man’s bank account.

    Anytime you receive a phone call from your bank, especially about fraudulent activity, hang up and call the bank back using the number on the back of your debit card. Scammers almost always spoof the number they’re calling from. Also, never give anyone any authorization code over the phone. These codes aren’t just used for banking, either, as many online accounts can be hijacked if someone were to give this number out.

     

  • Geebo 8:00 am on July 22, 2022 Permalink | Reply
    Tags: , customer service, , , , , , , , , t-shirt scam,   

    Scam Round Up: New Social Security scam and more 

    Scam Round Up: New Social Security scam and more

    By Greg Collier

    This week in the Scam Round Up, we’re bringing you a story with a happy ending, for once, and a whole bunch of scams.

    ***

    Our happy ending story is one that starts out with a Philadelphia-area man who fell for the grandparent scam. He was led to believe his son was in jail on a DUI and needed $25,000 for bail. The scammers enlisted the service of a Lyft driver who was supposed to take the $25,000 to the scammers. The driver felt like something was up and tried to confirm the identity of the so-called attorney who was supposed to get the money. When the attorney wouldn’t provide identification to the Lyft driver, the driver took the money to police, who were able to return the money to the victim.

    Please keep in mind, if someone says they’re sending a rideshare or courier to your home to pick up money for some kind of emergency, the odds are pretty good they’re trying to scam you. If a relative or loved one claims to be in jail, attempt to contact them first before sending any money. More than likely, you’ll find out they’re ok.

    ***

    Just because Amazon’s Prime Day is over, that doesn’t mean Amazon scams will stop. A sheriff’s office just outside of Richmond, Virginia, is warning residents about an Amazon phone scam taking place there. In this scam, the victims receive a call from someone claiming to be with Amazon. The caller will say there are suspicious charges on the victim’s account. They’ll then say they’re connecting you with police. Except, everyone on the call is a scammer trying to get your financial information.

    Amazon rarely calls their customers, even if there are fraudulent charges. If you receive a phone call like this, hang up, then check your Amazon account to make sure there are no fraudulent charges on the account.

    ***

    An old used car scam is making a reappearance, or maybe it never went away. The Better Business Bureau is warning consumers about used cars for sale that the seller claims is being stored out of state. The scammers will claim that you need to pay a transport company with either gift cards or a money transfer. Often, the scammers will claim that eBay is shipping the vehicle. While eBay does have a used car marketplace, they do not do any shipping of vehicles. And as usual, gift cards should only be used as gifts, and money transfers should never be sent to people you don’t know personally.

    ***

    One scam that has been popping up all over the country is the police T-shirt scam. From coast to coast, residents have been receiving text messages that claim to be selling T-shirts for their local police department. The text message contains a link that is supposed to be a shop for the T-shirts, but is actually a fake website designed to take your financial information. If you receive one of these texts, block the number and delete the text.

    ***

    Lastly, there seems to be a new Social Security scam going around the country. According to reports, there’s an ad circulating on social media that claims Social Security will provide a spending card for adults over the age of 51. This is not true, as Social Security offers no such service. More than likely, if someone tries to apply for one of these fictitious cards, the scammers will either ask for financial information, or they’ll ask for a payment first before the card can be issued.

    If you see an ad that promises you amazing Social Security or Medicare benefits, be very skeptical of them. Too often, these services are either misleading or downright fraudulent.

    If you have any questions about these advertised services, it is recommended you contact the Social Security Administration first at 1 (800) 772-1213.

     

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