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  Geebo 9:00 am on February 24, 2022 Permalink | Reply
  Tags: catfishing ( 4 ), identity theft, impersonation scam ( 165 ), romance scam ( 73 ), Scams ( 1,456 ), social media ( 85 )   

  The other victims of romance scams 

  

  By Greg Collier

  Typically, when we discuss romance scams, or catfishing as it’s sometimes known, we talk about the victim who ended up losing money to these scammers. However, there’s sometimes another victim in these scams. In romance scams, the scammers often use the photos of actual people and in some cases even impersonate that person. This could lead not only to unnecessary grief for the person being impersonated, but it also has serious safety implications as well.

  A woman from the Scottsdale area of Arizona found herself in the middle of one of these scams. She suddenly started receiving emails at her business, before receiving phone calls at home about a man who was allegedly threatening to show up at her home or business. The man claimed that they had been dating online for months and that he flew from New York to see her. A romance scammer had tricked the man using the woman’s identity into thinking he was in a relationship. It’s believed that the man had given the scammer a substantial amount of money. According to reports, the scammers cut off communication with the man once he landed in Arizona.

  According to the Scottsdale woman, the New York man had trouble accepting that he had been scammed and directed his anger toward her. She claims the man has been leaving voice messages on her phone from multiple phone numbers. She has no idea what the man even looks like.

  Since the woman is a business owner who deals in social media, she has a large social media presence. This allowed the scammers to essentially copy her life and use her online identity in their scam.

  To better protect yourself from not only being in this side of a romance scam, but from other scams as well, it’s best to change your social media profiles to private or friends only. While it’s not a guarantee your online photos won’t be used in a scam, It does help in discouraging scammers from doing so.

   

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  Geebo 9:00 am on February 23, 2022 Permalink | Reply
  Tags: Atlanta ( 4 ), deceased ( 3 ), identity theft, Scams ( 1,456 ), violent crime   

  Crime victim’s family taken advantage of by scammers 

  

  By Greg Collier

  Today, we’re going to discuss a scam that doesn’t happen to everyone. We wish it didn’t have to happen to anyone. However, it once again shows just how low scammers will sink to try to take advantage of someone during a time of crisis.

  The death of a loved one is never easy. Losing a loved one to violent crime is even more difficult, to say the least. Now imagine having that happen to you, and then a con artist tries to use your loved one in one of their scams.

  That’s what happened to a woman living in Atlanta who recently lost her adult son to violent crime. As she was grieving for her son, she received a phone call from someone claiming to be with Atlanta Victim Assistance. The caller told the woman that she would receive $6500 from the organization to help pay for her son’s funeral. The caller asked her for her son’s personal information, such as his Social Security number. The grieving mother realized she may have spoken to a scammer when she spoke with the actual Atlanta Victim Assistance office. They told her that they only request that information after a family applies for funds.

  So why would someone try to get the personal information of a man who is deceased? As horrible as it is to say, the recently deceased can be prime targets for identity theft. An identity thief can potentially use that person’s identity for months before credit agencies and the like are notified of the victim’s passing. This is not unlike how identity thieves will steal the identities of minors and use their identity for years before any fraudulent activity is discovered.

  Security experts recommend that you notify the IRS, the Social Security Administration, and the major credit reporting agencies of your loved one’s passing to avoid having their identity stolen. It’s also recommended to try to limit the amount of personal information used in an obituary, as these often contains enough information for identity thieves to start their scheming.

  It’s a shame that this is what the world has come to, but hopefully, you’re now somewhat prepared if an unfortunate event like this happens to someone you know.

   
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  Geebo 9:00 am on February 3, 2022 Permalink | Reply
  Tags: book exchange, gift exchange, identity theft, pyramid scheme ( 12 ), Scams ( 1,456 )   

  Social media book drive is anything but 

  

  By Greg Collier

  A new gift exchange has been circulating around social media. This time, instead of holiday presents, you’re expected to exchange books. On the surface, this may seem like a great idea, since many of us have books that we’ve read that are taking up space. Plus, it’s a great feeling when you get to share a book you love with a new reader. The best part is that this exchange is relatively free, since many of us have an excess of books already. How could this possibly a bad thing?

  You may see a post or a message on social media that come from a trusted friend who recommends this book exchange. All you have to do is provide your name and email address, along with the names and email addresses of a few of your friends. Then you’re asked to send a book to someone who already signed up for the exchange, and in return, you’re supposed to receive 36 books.

  If this sounds familiar to you, it may be because it sounds exactly like the Secret Sister Gift Exchange or the Blessing Loom scheme. They’re all pyramid schemes, and in the book exchange scheme instead of money, the schemers are more than likely looking for your personal information for future identity theft. Keep in mind, even if it’s just books being exchanged, pyramid schemes are still illegal in the United States. If you recruit others into the scheme, you could potentially face legal action.

  Even if the exchange seems to be for a good cause with a good return, the odds are, you’re not getting any books. Pyramid schemes are designed to only benefit those at the top of the pyramid. After a couple of levels, the giving stops abruptly and the lower tiers are left with nothing. On top of it, you’ve potentially exposed the information about you and your friends to complete strangers.

   
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  Geebo 9:00 am on February 1, 2022 Permalink | Reply
  Tags: ACT ( 2 ), college admission ( 2 ), identity theft, SAT ( 2 ), Scams ( 1,456 )   

  College test scammers are targeting kids 

  

  By Greg Collier

  If you have a child who’s getting ready for college, you’re probably aware of the ACT and SAT tests. These are the standardized tests most colleges and universities use in their application process. With these tests come a lot of preparation and an enormous amount of pressure for the students getting ready to take them. This is what could potentially make them the perfect targets for scammers.

  The Better Business Bureau is warning parents to be aware of scammers posing as the companies who run the ACT and the SAT. They are two separate companies, in case you weren’t aware of that. A mother in Ohio recently received a phone call from someone asking for her daughter, who’s already been accepted to a university. The caller said they were from the ACT and asked for the daughter by name. They tried to convince the mother that her daughter had requested study materials and needed to verify her information. Since the daughter had already been accepted to a school, the mother knew this was a scam. However, some parents and students alike may not be aware of such scams.

  Minors are often the targets of identity thieves. If these thieves get a hold of enough information on a child, they can use that information in a few years to open lines of credit in the minor’s name. This means the child could have a ruined credit history as soon as they turn 18.

  If you’re a parent and receive any communications from someone claiming to be from the ACT or SAT, verify that information before replying to them. If they ask for one of your children by name, and they’re not actually with the ACT or SAT, you may want to run a credit report on your child to make sure their identity hasn’t already been stolen. If it has, you’ll want to put a credit freeze on your child’s credit.

  Also keep in mind that the two tests are run by two separate companies. Anyone who is claiming to represent both, is more than likely a scammer.

   
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  Geebo 9:00 am on January 20, 2022 Permalink | Reply
  Tags: identity theft, impersonation scam ( 165 ), IRS ( 27 ), Scams ( 1,456 ), tax return ( 4 )   

  Tax season scams you should look out for 

  

  By Greg Collier

  This coming Monday, January 24th, the Internal Revenue Service will begin accepting tax returns for 2021. The deadline to have your return submitted to the IRS is April 18th this year. And with tax season starting, there are a number of tax return related scams that you should be aware of.

  The most devastating scam that affects taxpayers is when an identity theft files a return in your name. Unfortunately, the only way to find out if you’ve been a victim of this scam is receiving a letter from the IRS informing you that a duplicate return has been filed. The best way to protect yourself against this scam is to file your taxes as early as possible. If you’ve had your information leaked in a previous data breach, this is the best option for you to avoid having to straighten things out with the IRS. However, if you do become a victim of this scam, contact the IRS right away. The longer you wait, the more difficult it could be to get your tax return.

  Another area where tax season scammers thrive is the tax preparation industry. If you intend to have a professional file your taxes, research that professional or company first. The Better Business Bureau suggests avoiding tax preparers that only set up shop until the tax deadline. If you end up being audited by the IRS, will that tax preparer be there to assist you? Also, be wary of tax preparers who tie their fee to your tax refund. Fees are supposed to be based on how difficult it is to complete your tax return, not your refund.

  Tax season is also when scammers will attempt IRS impersonation scams. The scammers will call their victims, posing as the IRS and demanding payment for any number of reasons. The one thing all these impersonators have in common is that they will try to pressure you into making a payment over the phone. The IRS does not call taxpayers about tax issues. If the IRS has a concern that they need you to resolve, they will always contact you through the regular mail.

   
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  Geebo 9:00 am on December 27, 2021 Permalink | Reply
  Tags: Hulu ( 2 ), identity theft, malware ( 28 ), Netflix ( 15 ), Roku ( 2 ), Scams ( 1,456 ), smart tv ( 2 ), streaming ( 9 )   

  Streaming activation scam lays in wait 

  

  By Greg Collier

  Welcome back. We hope that our readers had a safe and happy Christmas. Did you happen to get a new streaming device or smart TV for Christmas? Maybe you let your streaming subscriptions expire, but now you want to catch up on all the shows that everyone has been talking about. If that’s the case, please be careful when going online to activate your new device or service. Scammers are quietly lying in wait, hoping to catch you off guard if you’re not paying attention.

  With many streaming devices and services, you need to go to the provider’s website to activate them. Scammers are hoping you just put the name of the platform you need into a web search. You might think that the first search listing is the authentic website you require, but scammers often buy ads on these search engines to manipulate the search results. This way, the scammers can direct you to their phony website either to inject malware into your device or to try to get your personal and financial information.

  When activating a new device or service, make sure you’re on the correct web address. Scammers will often register a web address that is slightly misspelled in hopes that you miss that detail and go to their website instead of the official one. Also be wary of any customer service numbers given out on search engines as once again scammers can manipulate the search results to give their phony number a better search ranking. Lastly, keep in mind that you do not have to pay a subscription fee for your streaming box or smart TV. Those subscription fees are paid to the streaming providers like Netflix and Hulu. You never have to pay a fee to manufacturers like Roku or Samsung. Anybody who is trying to collect a fee like that is scamming you.

   
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  Geebo 9:00 am on December 1, 2021 Permalink | Reply
  Tags: change of address ( 3 ), identity theft, mail fraud ( 23 ), Scams ( 1,456 ), USPS ( 14 )   

  USPS warns about ongoing change of address scam 

  

  By Greg Collier

  Have you ever walked into a post office, saw the change of address forms, and wondered what’s stopping someone from changing my address and receiving all my mail? As it turns out, there’s not a lot stopping someone from doing just that.

  The United States Postal Service has issued a warning about such a scam that appears to be ramping up just in time for the holidays. Just about anyone can go to the post office or the USPS website and change anyone’s mailing address. This time of year, the scammers could be receiving money and gifts meant for the holidays. For the rest of the year, the scammers could be gaining access to your personal and financial information to use for identity theft. Keep in mind that the USPS forwards mail to a new address for a year. That means, potentially, scammers and identity thieves could receive your mail for an entire year. Unfortunately, the USPS does not have many safeguards in place to prevent this from happening.

  When someone does fill out a change of address form, the USPS sends a confirmation letter to the old address letting residents know that their mailing address is about to change. While you can check your mailbox every day, a lot of us aren’t home during the day, and scammers have been known to stalk their victims’ mailboxes and take what they need from the mailbox. If you haven’t received mail for an in ordinate amount of time, you should report that to the USPS right away.

  A good way to possibly protect yourself from such fraud is to sign up for the USPS’s Informed Delivery service. It’s free, and every day you receive postal mail, you’ll receive an email with pictures of your scanned mail letting you know what to expect in that day’s mail. That way, you can see if a change of address letter has been sent to you before someone can take it from your mailbox.

   
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  Geebo 9:00 am on November 11, 2021 Permalink | Reply
  Tags: identity theft, pyramid scheme ( 12 ), Scams ( 1,456 ), Secret SIster ( 6 ), Secret Sister Gift Exchange ( 5 ), social media ( 85 )   

  Pyramid scheme disguised as gift exchange returns 

  

  By Greg Collier

  With many people already starting their holiday shopping, an annual holiday scam has returned to social media. The Better Business Bureau is warning to consumers to be aware of the Secret Sister Gift Exchange. The scam seems harmless and fun at first. The posts on social media ask you to add your name and address to a list where you send in a small $10 gift. In return, you’re promised to receive up to 36 of the gifts. You’re also asked to recruit at least six more people into the gift exchange. It’s just $10. What could be the harm in that?

  Anytime you’re asked to recruit more people to advance an exchange like this, whether it’s gifts or money, it’s a pyramid scheme. It’s the people at the top of the pyramid who reap the rewards of the scam, while those on the bottom of the pyramid often find themselves empty-handed. That’s not even considering that you sent a stranger your name and address. You basically just paid $10 to have your identity stolen.

  What’s even worse is that by participating in a pyramid scheme, you could potentially face legal action, as pyramid schemes are illegal in the United States. Often, the people who initiate these gift exchanges will swear up and down that the gift exchange is either not a pyramid scheme or is approved by the US Government. They’re either lying or are ignorant of the law. Not only is it illegal to recruit someone into a pyramid scheme like this, since the scheme also uses the US Postal Service, you could also be charged with mail fraud.

  If you have a friend on social media who has engaged in one of these gift exchanges, you might want to warn them about the illegality of it. While your friends may not be the scammers themselves, a short conversation with them may save them from trouble in the long run.

   
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  Geebo 8:00 am on October 29, 2021 Permalink | Reply
  Tags: bank scam ( 75 ), florida ( 31 ), identity theft, retirees ( 2 ), Scams ( 1,456 ), venmo ( 29 )   

  Retirees lose savings to new Venmo scam 

  

  By Greg Collier

  While Venmo is no stranger to scams on their platform, this may be one of the most heinous Venmo scams we’ve heard of. What makes this one worse than most is that the people being scammed didn’t even use Venmo.

  A retired couple from Florida who are said to be in ill health lost their life savings of close to $20,000 to a Venmo scammer. While it’s not required to use Venmo, some Venmo users connect a bank account to their Venmo account. Somehow, the scammer got a hold of the couple’s banking information and linked it to a Venmo account that the couple was unaware of.

  The scammer started slowly, at first only transferring small amounts under a dollar out of the couple’s account. Before too long, the scammer was transferring $1500 a week until the bank account was drained of $19,500. The couple didn’t notice until their rent check bounced. When they called their bank to try and resolve the matter, the bank reportedly told the couple to call Venmo. Venmo in turn is said to have told the couple to call the bank. The couple didn’t even know what Venmo was prior to this. Now, the couple is facing health and housing issues while the bank, Venmo, and police investigate the situation.

  What really is concerning is how was the scammer able to obtain the couple’s bank account information. One way that has been increasingly popular with scammers recently is stealing outgoing mail from people’s mailboxes. This is done in order to either obtain a check, so the scammers can rewrite the check. The mail and checks can also be used to obtain banking information as well. We’re not saying that this exactly what happened to this unfortunate couple, but it’s a good possibility.

  In this day and age, it’s always a good idea to make regular checks of your bank accounts for fraudulent activity. For most people, this can be done through mobile apps, where you can check your account at any time. However, for seniors who may still use older methods like waiting for their bank statement in the mail, there are other options. They can always call the customer service department of their bank to get a rundown of their account activity over the phone. They can also go to their bank’s local branch to obtain a print out of their account’s activity that they can review at home.

  If you have older relatives or friends who may not be tech-savvy, you may want to suggest that they keep a close eye on their bank accounts.

   
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  Geebo 8:00 am on October 28, 2021 Permalink | Reply
  Tags: bank scam ( 75 ), Chase ( 15 ), customer service ( 51 ), identity theft, phishing ( 79 ), Scams ( 1,456 )   

  Veteran loses college fund to nationwide bank scam 

  

  By Greg Collier

  A naval veteran from Southern California recently lost $19,000 to bank scammers. This particular bank account that was targeted by scammers was for his daughter’s college tuition. The man is a customer of Chase Bank and says the scam started with a text message that appeared to come from Chase. This was followed up by a phone call from someone claiming to be a Chase representative. The phone number the call came from was even said to have matched Chase Bank’s customer service number.

  The representative identified the man by name and also reportedly knew the last four digits of the man’s Social Security and debit card number. The man was told that there was fraudulent activity on his account. Before the man knew it, he was locked out of his bank account. When he got a hold of an actual Chase representative, he was told that wire transfers had been made from the account to a recipient in Florida. The entire account had been depleted.

  If you’ve been a reader of our blog for at least the past couple of weeks, this scam may sound familiar to you. This scam has a lot of the same hallmarks of the Zelle scam that’s been affecting bank customers nationwide. The difference here is that this is the first time we’ve heard of the scammers having a victim’s identifying information. With that information, they’d be able to bypass using Zelle, and access the account directly. It’s possible that the information was gained from some form of data breach and the call was made to confirm the information was up-to-date.

  If you receive a text from yours or any bank about fraudulent activity, do not respond to that text. Instead, call the bank from the customer service number that’s on your debit card or on the bank’s website. If you respond to the text, scammers may know that they’ve reached a live number where they can target a vulnerable consumer.