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  • Geebo 9:00 am on February 15, 2024 Permalink | Reply
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    Widow outsmarts scammers who promised her free money 

    Widow outsmarts scammers who promised her free money

    By Greg Collier

    In the murky world of scams and deceit, few tools wield as much power and allure as the promise of free money. Like a siren’s call, it draws in unsuspecting victims with tantalizing whispers of effortless wealth and financial freedom. Whether cloaked in the guise of a too-good-to-be-true investment opportunity or masked behind the facade of a generous giveaway, the allure of easy riches proves irresistible to many. Yet, beneath the veneer of generosity lies a web of manipulation and exploitation, leaving countless individuals ensnared in a cycle of deception and regret.

    Senior citizens, with their accumulated wealth and potentially diminished capacity to navigate the complexities of modern technology, are prime targets for these nefarious schemes. Exploiting their trust and often relying on their lack of familiarity with digital platforms, scammers deploy sophisticated tactics to deceive and defraud unsuspecting elders. From bogus lottery winnings to fake government grants, the promise of easy money preys upon the vulnerabilities of aging populations. As guardians of wisdom and experience, seniors become unwitting victims in the crosshairs of those who seek to exploit their goodwill and trust.

    An 80-year-old widow residing in Knoxville, Tennessee, recently found herself targeted by a deceptive ploy. Upon receiving a letter seemingly originating from Wells Fargo, she was informed of being entitled to a $1300 payment from an accidental death insurance mortgage policy. While such notifications are not uncommon, particularly for relatives of deceased individuals, this widow remained vigilant. Aware of the possibility that banks and insurance companies might only become aware of an account holder’s passing years later, prompting them to seek beneficiaries, she approached the situation with caution, avoiding potential exploitation.

    Despite recognizing the telltale signs of a scam, the widow chose to confront the perpetrators directly by dialing the provided customer service number—a course of action often advised against. Displaying a keen sense of skepticism, she posed a straightforward query to the first individual she encountered: “What account did it come out of?” Yet, the response proved evasive, leading to a succession of transfers to two additional individuals, none of whom could provide a satisfactory answer. In her astute interrogation, the widow thwarted the scammers’ attempts to deceive her.

    The method of such fraudulent schemes typically involves soliciting personal and financial information under false pretenses. Had an unsuspecting individual responded to the letter without discerning its fraudulent nature, they would likely have been coerced into divulging sensitive details, such as their Social Security number, bank account information, and other personal identifiers. Operating under the guise of facilitating the transfer of the purported funds, scammers would exploit this information for nefarious purposes, including identity theft and draining the victim’s bank account.

    If ever confronted with a similar letter, email, or text message regarding unexpected funds, exercising skepticism and prudence is paramount. While it’s prudent to largely ignore such correspondence, if there’s even a slight possibility of legitimacy, it’s wise to independently verify the information. Instead of relying on the contact details provided in the message, seeking out the official customer service number from the company’s website ensures direct communication with legitimate representatives, minimizing the risk of falling victim to a scammer’s tactics. By taking these precautionary measures, individuals can safeguard themselves against potential financial exploitation and identity theft.

     
  • Geebo 9:00 am on February 7, 2024 Permalink | Reply
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    Store manager accosted during scam 

    Store manager accosted during scam

    By Greg Collier

    Many scammers often operate from overseas, however, sometimes they can be right next door.

    Recently, a store manager in Maryland was targeted in a scam. The store she works for is a popular convenience store chain from the Northeast that’s famously open 24 hours a day. The scammer called the store at 3:30 in the morning. The caller claimed to be from the store’s corporate office and told the manager that the store had an overdue bill that needed to be paid right away. The manager was instructed to take the money from the store safe and make a deposit at the Bitcoin ATM at the gas station next door.

    When the manager took the money to the gas station, the cashier informed her that the call she received was likely a scam. The manager must have been relieved as she was exiting the gas station, but unfortunately, the story didn’t end there. The scammer must have been monitoring her closely because as she left the gas station, a man described to be a heavy-set man in his 40s allegedly grabbed the manager’s arm and tried to take the money from her. Thankfully, she was able to flee to safety.

    This is not the first time we’ve heard of a scam like this. Scammers frequently target store chains that tend to have a younger workforce. By posing as the police or the stores’ corporate offices, they’re often trying to get store employees to drop off the store’s money to them. We suspect the scammers target younger employees, as they may not be familiar with how payments from the store actually work.

    Anytime someone mentions making payment to a Bitcoin ATM, they’re trying to scam you. No legitimate company or agency will ever ask for payment through a Bitcoin ATM, or any other type of cryptocurrency exchange. Also, we doubt many corporate offices are doing any kind of financial business at 3:30 in the morning.

    If faced with such a situation, verify the call’s authenticity before acting. If unable to reach a supervisor, contact the purported office directly. And remember, any payment demand at odd hours should raise suspicion and can wait until proper verification during business hours.

     
  • Geebo 9:00 am on January 11, 2024 Permalink | Reply
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    Bank refused to stop fraudulent wire transfer 

    Bank refused to stop fraudulent wire transfer

    By Greg Collier

    A man from Utah fell victim to two different scams, which resulted in scammers taking $10,000 from his bank account.

    The first scam that targeted him was the brushing scam. He was receiving several deliveries from Amazon that he didn’t order. Third-party Amazon vendors do this to game the review system, so phony reviews can have the ‘verified purchase’ tag added to them. This scam can be relatively harmless to consumers unless their Amazon account has been compromised, which this man wanted to find out.

    The second scam he fell into was a customer service impersonation scam. He Googled the number for Amazon’s customer service department, which wasn’t Amazon at all. Instead, it was a scammer’s call center posing as Amazon. Scammers will often pay search engines to have their scam phone number placed higher than the actual company they’re imitating. The phony Amazon rep told the man that it appeared someone had wired $10,000 to New York without his permission. Amazon, and other retailers, cannot access your bank records, if you think you’re speaking with Amazon, and they ask for your banking details, the odds are you’re being scammed.

    When the phony rep asked for the man’s credit card information, he realized he was being scammed. He went to his local Wells Fargo branch, since that was who he banked with. The branch manager told him there was, in fact, a wire transfer going out to New York for $10,000. When the man asked the manager to stop the transfer, he was instead referred to Wells Fargo’s fraud department, who told him that would investigate the matter and get back to him in ten days. It only took one day for the $10,000 to disappear from the man’s account. When the fraud department finished their investigation, they denied the man’s claim, saying that someone using the man’s username and password made the transfer, which made the man responsible for the financial loss.

    Mysteriously, once the man contacted his local TV news station about the matter, Wells Fargo reimbursed his money. As we have detailed in previous stories like this one. That seems to be the only way bank scam victims can get a refund, and even then, it’s not a guarantee.

    To safeguard yourself, it’s advisable to visit the official website of a company to obtain accurate contact information for addressing any issues you may encounter. Relying on contact details obtained through online searches can be unreliable. Additionally, refrain from sharing passwords or passcodes with anyone, and avoid granting remote access to your laptop or phone unless you initiate the call using the authentic contact number. Financial institutions typically request passwords or passcodes exclusively through their official app or website.

     
  • Geebo 9:00 am on January 10, 2024 Permalink | Reply
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    Celebrity romance scam victim accused of poisoning husband at direction of scammer 

    Celebrity romance scam victim accused of poisoning husband at direction of scammer

    By Greg Collier

    One version of the romance scam we don’t talk enough about is when the scammers pose as a celebrity.

    Scammers create a fake profile on social media or dating websites, using the name, photos, and other information of a popular celebrity. They may also use stolen images from the internet to make the profile appear more convincing.

    The scammer initiates contact with potential victims, often reaching out to them via direct messages, comments, or friend requests. They may use flattering language and compliments to make the target feel special.

    The scammer invests time in building a virtual relationship with the victim. They may engage in conversations, share personal stories, and express romantic interest to create a sense of emotional connection.

    At some point, the scammer introduces a fabricated crisis or urgent situation that requires financial assistance. This could be a medical emergency, legal trouble, or any other scenario designed to evoke sympathy and a desire to help.

    However, there’s at least one scammer out there who has no compunction about asking his victims to kill.

    This scammer posed as a 57-year-old soap opera star, and targeted a 64-year-old married woman. There aren’t many details on how the scam was perpetrated in this instance, but what is known is the victim did give $8000 to the scammer. Apparently, that was not enough money for the scammer.

    Last month, the woman’s 73-year-old husband was rushed to the hospital with an unknown ailment. While at the hospital, the couple’s daughter noticed strange messages on her mother’s phone that appeared to come from the soap opera actor.

    The message from the scammer that allegedly started this whole incident read, “You have to get rid of your husband honey. I need you so much.” The woman replied that she would be making soup for her husband that would be a special recipe. After her husband was taken to the ER, she sent another message stating that her husband wasn’t feeling well, and maybe she could collect a life insurance payout. The scammer asked her when would that be.

    If it wasn’t for their daughter, the husband may have been murdered at the behest of a scammer. Unfortunately, there is no happy ending in this story, since the wife has been charged with attempted murder.

    While often romance scam stories are dismissed as gossip and sensationalism, they can have grave repercussions. Romance scams affect both men and women, and have victimized people from every walk of life. It can affect people who are living paycheck to paycheck, and all the way up the corporate chain to CEOs. In too many instances, victims have lost their lives or their freedom after falling victim to such scams.

    To avoid falling victim to celebrity impersonation romance scams, it’s crucial to exercise caution when interacting with individuals online, especially those claiming to be famous personalities. Be skeptical of requests for money from people you’ve never met in person, and verify the legitimacy of online connections before sharing personal information or financial details. If in doubt, consider reporting suspicious activity to the platform administrators.

     
  • Geebo 9:00 am on December 22, 2023 Permalink | Reply
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    Scammers are master emotional manipulators 

    Scammers are master emotional manipulators

    By Greg Collier

    Scammers like to find victims who are in an emotional state. This allows scammers to take advantage of people who aren’t in the right mindset to assess a potentially fraudulent situation. Of course, scammers are not going to wait around to find vulnerable victims, so the scammers themselves will often put their victims in just such an emotional state.

    For example, scammers will frequently try to make it sound like a victim’s loved one is in some kind of peril. To achieve this, scammers will pose as the victim’s loved one and claim they’ve been arrested. Most of us wouldn’t hesitate to try to help get a close friend or family member out of jail. That’s exactly what happened when scammers recently contacted a Virginia man.

    The scammers posed as the man’s 40-year-old nephew when they called him. The phony nephew claimed her had been in a car accident and broke his nose. Scammers will say that in order to explain away why they don’t sound like the actual person they’re imitating.

    The ‘nephew’ went on to say they got into the accident with a pregnant woman who was injured in the wreck. Again, this is done to get the victim into a worse emotional state. The victim was also told not to tell the nephew’s parents out of embarrassment. But, with all that said, the nephew claimed to need $6500 cash for bail. The victim was instructed to go to a specific ATM inside a grocery store to deposit the money. A security guard noticed the victim, but the victim was told by the scammers not to divulge to anyone what he was doing. Typically, scammers claim that a gag order has been placed on the victim. In actuality, that’s not how gag orders work.

    Once scammers convince a victim to pay them once, they’ll almost always try to get the victim to pay again. In this case, the victim was told the pregnant woman’s baby died and an additional $5000 was needed, which the victim paid in the same fashion.

    Then the scammers really twisted the emotional knife in their victim. This time, they asked for $16,000, which the victim didn’t have. It was at this point, the phony nephew claimed they were going to take their own life if the victim didn’t pay the $16,000.

    The victim felt horrible and called his nephew a few days later. That’s when he found out the whole thing had been a hoax. Luckily, the victim was able to get some of his money back from the bank where he deposited the money.

    There are no depths scammers won’t sink to try to get your money. This is what they do for a dishonest living, and they’re very goof at what they do. If you receive a distressing request for money, no matter who it comes from, always verify their story. If you’re being told not to tell anyone, that’s the scammers trying to discourage you from finding out the truth.

     
  • Geebo 9:05 am on December 15, 2023 Permalink | Reply
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    New scam sends you a bill from Apple 

    New scam sends you a bill from Apple

    By Greg Collier

    Whenever you see a headline that says there’s a new scam, the odds are it’s an old scam in new clothing. It’s just more efficient to say there’s a new scam in the headline in order to better educate the reader. Today’s scam is no different.

    Security experts are saying scammers are sending bills to their victims that appear to look like a bill from Apple Computers. The bill says the recipient is being charged close to $300 for security ‘upgradation’. Upgradation is an English word, however, it is not used in American English. That should be someone’s first clue the bill is fraudulent.

    The bill contains a phone number to call in case the recipient has any questions. Once a victim calls the number, they’re told they’ll be issued a refund if they allow the phony customer service agent to have remote access to the victim’s device. Red flags do not get any redder than this. Once a user allows remote access to their device, bad actors can install malware on to the device, or gain access to your online accounts.

    A similar scam to this one is when victims receive an email that claims someone just made a large purchase on their Amazon account, prompting the victim to call a customer service included in the email.

    In this instance, the scammers are posing as Apple because Apple users have a reputation of being more affluent since Apple devices are more expensive than competitors’ devices. The scammers don’t actually know who owns an Apple device. They send out these email invoices en masse, hoping they snag an Apple using victim. It’s almost certain some Windows and Android users received phony Apple emails too.

    With these email scams, never call the phone number included. Instead, manually check your account from that vendor or service to make sure you haven’t been charged. If you still feel the need to call them, use the customer service number from their website.

     
  • Geebo 9:00 am on December 5, 2023 Permalink | Reply
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    Elderly victim loses $100K in PayPal scam 

    By Greg Collier

    An elderly man, from the Boston area, recently lost close to $100,000 to scammers who were posing as PayPal. PayPal is the oldest and possibly the most reliable online payment service. However, that doesn’t mean it’s not without its scammers.

    The scammers called the man and told him that $100 had accidentally been deposited into his bank account. The man was walked through directions on his computer by the scammers, which granted them remote access.

    Then, the man was shown what appeared to be a $100,000 deposit into this bank account. The scammers claimed that it was actually $100K accidentally deposited into his account and not just $100. Typically, at this point in the scam, the scammer will claim that they’ll lose their job if the victim doesn’t help them out by sending the accidental payment back.

    It’s unknown if that’s what happened in this instance, but the scammers convinced the man to send two cashier’s checks for $49,800 each. They even ordered the man to tell the bank the money was for a new car if they asked. Unfortunately, the bank did not question the large amount being withdrawn by an elderly customer.

    Even if a PayPal employee, or any similar company’s worker, were to make a mistake this large, it is never the customer’s responsibility to pay that money back themselves. If an error was made on PayPal’s part, it would be their responsibility to fix it. If the employee claims they’ll lose their job over the error, that’s not your problem. Also, please keep in mind, if the payment was made electronically, it can be reversed electronically by the company itself. If you’re ever instructed to ‘move’ your money for any reason by someone you don’t know, it’s more than likely a scam.

     
  • Geebo 9:00 am on November 29, 2023 Permalink | Reply
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    Anyone can fall prey to the SIM-swapping scam 

    Anyone can fall prey to the SIM-swapping scam

    By Greg Collier

    You may have head of the term SIM-swapping before. You may even know SIM-swapping is part of a larger identity theft scheme. What you may not know is that the term SIM-swapping is a type of misnomer. SIM-swapping makes it sound like someone needs physical access to your phone so they can steal your SIM card. A more appropriate term would be SIM-hijacking, since the scam itself is committed remotely.

    A SIM-swapping attack is a type of cyberattack where a malicious actor fraudulently convinces a mobile carrier to transfer a victim’s phone number to a SIM card under the attacker’s control. This is typically done by impersonating the victim or exploiting vulnerabilities in the carrier’s verification processes.

    The attacker contacts the victim’s mobile carrier, posing as the legitimate account holder. They may use gathered information to convince the carrier’s customer support representatives that they are the actual owner of the phone number.

    Once the attacker successfully convinces the carrier to transfer the phone number to a new SIM card, the victim’s phone loses network connectivity. The victim may not be aware of this until they try to make a call or use data services.

    With control of the victim’s phone number, the attacker can receive the victim’s text messages and phone calls, which may be used to bypass two-factor authentication (2FA) on various accounts linked to the phone number. This can lead to unauthorized access to email, social media, financial, or other online accounts.

    In the past, when we’ve discussed SIM-swapping attacks, we’ve heard from readers who said their phones are immune from these attacks since their phone doesn’t have a SIM card. Unless you’re still carrying a flip phone you bought from Sprint in the mid-2000s, chances are your mobile phone has a SIM card in it. You may not have placed the card in the phone yourself, but without a SIM card, your phone wouldn’t be able to communicate with your phone carrier and provide you service. There’s also what’s known as an eSIM. This is a SIM card that can be embedded in your phone, meaning it can’t be removed. In essence, if you have a reasonably modern mobile phone, it has a SIM card. And if it has a SIM card, it’s vulnerable to these attacks.

    A woman from California, recently fell victim to one of these attacks. After scammers successfully had her phone company transfer her service to the scammers’ SIM card, they were able to get access to at least one of her bank accounts. They drained her account of $49,000 before it was all said and done. The victim tried to work with both her bank and phone provider, but they denied any of her requests. As with many bank-related scams, it wasn’t until the victim contacted her local news station before she received a refund from her bank.

    There are several effective strategies to safeguard yourself from SIM-swapping. One approach is to opt for an authenticator app instead of relying on text messages for two-factor authentication. Authenticator apps are tied to a specific device rather than a phone number, enhancing their security. Additionally, it’s crucial to refrain from using easily discoverable information, such as high school mascots or pet names, for security questions on online accounts, as such details are often accessible on social media. Finally, you can enhance security by reaching out to your carrier and requesting the restriction of any device switches on your account. It’s important to note that to lift this restriction, you might need to visit a carrier store and provide identification.

     
  • Geebo 9:00 am on November 16, 2023 Permalink | Reply
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    Cable discount becomes reshipping scam 

    By Greg Collier

    Typically, in a reshipping scam, scammers recruit victims through phony job ads offering positions like package handler or product inspector. These are almost always advertised as work from home positions. The victim has products sent to them by the scammers that they’re supposed to inspect for defects before sending the products to a new address. What’s really going on is that the scammers bought these products with stolen credit card information, and the reshippers are just being used as scapegoats in a money laundering operation. Once the reshipper sends the products off, the scammers sell the stolen goods. Now, there is a scam that not only uses a victim as a reshipper, but makes the victim pay for the stolen items as well.

    A major cable and internet provider has warned consumers about this new scam. According to Spectrum, scammers are calling customers and offering service for half-price if the customer makes a one-time payment of $99. The customer is then asked for personal information like their account number and Social Security number, along with their payment information. Many cable and internet providers are also phone providers. So, the scammers use the customer’s information to order mobile devices that are sent to the customer’s address. But the scammers instruct the customer to send the devices to another address. The scammers will even send a shipping label to the customer and have them drop the devices off at the post office or a shipping company like UPS.

    Spectrum says they’ll never call a customer and ask for their account number and PIN, and this can be applied to most if not all cable and internet providers. They also add that if you receive one of these offers through email or text message, you should delete the message. If you reply to one of the scam messages, it will let the scammers know they’ve reached a working phone number or email address. Lastly, the major providers will never ask for payment through cryptocurrency, gift cards or personal payment apps.

     
  • Geebo 9:00 am on November 14, 2023 Permalink | Reply
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    Is Zelle issuing refunds to scam victims? 

    By Greg Collier

    Since this past June, thousands of banks that use the Zelle payment app have been issuing refunds. Why are these banks issuing refunds? For at least the past two years, Zelle has been a boon to scammers. Zelle has been instrumental in allowing scammers to take money from their victims.

    Primarily, Zelle is used in bank impersonation scams. They start out when a victim receives a text message that appears to have come from their bank. The message asks the victim if they recently made a large purchase or transfer and to reply with yes or no. Once the victim replies, the scammers call the victim while posing as the bank’s fraud department. The victim is told their bank account has been compromised, and they need to move their money to a safe account to protect it. The scammers walk the victim through instructions on how to transfer the money to the safe account on Zelle. Then the victim unknowingly transfers their money to the scammer’s account.

    The banks that implement Zelle have been hesitant to issue any refunds to customers. They typically claim that since the customer authorized the payment, there are no grounds for a refund. The banks also claim if they start issuing refunds, then scammers will try to work their way into the refund process.

    In that vein, Zelle has been pretty quiet about how consumers can go about requesting a refund. Nor has it given any indications on any kind of timeline for refunds or whether refunds can be requested retroactively. However, in their defense, Zelle has enacted new prompts within the app that are supposed to warn users if the app feels like the user is making a risky transfer. Zelle claims this has significantly cut down on scams.

    But the best way to protect yourself is to not take the scammer’s bait. Your bank will never tell you that you need to move your money to protect it. That’s just not a thing. If you receive a text message or phone call that claims to be coming from your bank, do not respond. Instead, call your bank at the customer service number from your debit or credit card, and they’ll be able to advise you on if there is anything wrong with your account. And also keep in mind that Zelle is only supposed to be used between friends and family. Anyone else who is asking for payment through Zelle could be trying to scam you.

     
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