We often say the most common scam we see in the news is the jury duty scam. Hardly a day goes by where we don’t see a police department or sheriff’s office warning their local residents about police imposters who are trying to trick victims out of their money.
The jury duty scam is a type of fraud where scammers attempt to deceive individuals by posing as law enforcement officials or court representatives. They typically target people through phone calls claiming that the recipient has missed jury duty and is now facing legal consequences. The scammers then ask their victims to pay a fictitious fine that supposedly clears the arrest warrant.
But the scammers don’t want you to go to the courthouse to pay the fine. They want their payment then and there, usually through payment apps like Zelle and Venmo, gift cards, prepaid debit cards, or cryptocurrency.
If you receive a communication about jury duty, contact your local courthouse or law enforcement agency directly using official contact information to confirm its authenticity. Remember that legitimate government entities will not use aggressive tactics, threats, or demand immediate payments over the phone or email. If you suspect you’ve been targeted by a scam, report it to your local law enforcement agency and relevant authorities.
In the news article we read about the latest chapter in the Zelle scam, it says that the Zelle scam is back. To be honest, it never went away. For almost two years, we’ve been documenting how the personal payment app has been used by scammers to defraud victims out of their money. As far as we know, there has been no break in this scam’s activity.
For the uninitiated, the Zelle scam works like this. The victim receives a text message inquiring whether they have recently made a substantial purchase or transfer. The victim is instructed to reply with a simple yes or no. After the response, scammers follow up with a phone call, pretending to represent the victim’s bank’s fraud department. The fraudsters then urge the victim to safeguard their bank account by either transferring their funds or using Zelle to “pay themselves.” However, what actually happens is that the scammers are guiding the victim through the process of transferring funds to the scammers’ account through Zelle.
Since these scams have started, it doesn’t appear as Zelle has done much in the way of consumer protection. If you do make a money transfer using Zelle, a warning does appear, which advises users not to send money to anyone they don’t know personally. Yet, the scam persists. So, what clever trick have the scammers devised to circumvent this warning? Is it nefarious malware that suppresses the warning? Not exactly. The scammers are simply telling their victims to ignore the warning. That’s it.
Now, keep in mind the scammers are posing as the victim’s bank, who are supposed to have the final authority on a customer’s account. I’m sure we’ve all had to follow instructions at one point where we told to just ignore something. To us, this exhibits the poor protection Zelle has for its users, rather than any fault of the victim.
It’s important to note that Zelle is intended for use strictly among friends and family, those you have a personal relationship with. Be cautious of any unfamiliar business or individual requesting payment through Zelle, as this could be a potential scam attempt. Remember, your bank will never ask you to move your funds using Zelle.
If you find yourself falling victim to this scam, your initial step should be to promptly file a police report. While it doesn’t guarantee a refund, taking this action can significantly aid your situation. Moreover, if you believe your bank is not treating you fairly, don’t hesitate to reach out to a consumer advocate reporter in your local area for assistance. Their involvement can provide you with the support you need.
Rideshare services like Lyft and Uber have been used in countless scams before. For example, many grandparent scammers use them as a sort of courier service to pick up the money from their victims. We’ve even seen some rideshare drivers using shady tactics to get more money out of their passengers, even though we understand that is not representative of all drivers. However, the drivers themselves are also vulnerable to scams, and we’re not talking about passengers trying to cheap out on a fare.
A Lyft driver in Denver, Colorado, was on duty when she received a text message that appeared to come from Lyft. The text listed a phone number the sender wanted the driver to call. When the driver called the number, she was greeted by someone claiming to be a Lyft representative.
The supposed representative told the driver a passenger had accused her of smelling like alcohol while working, and they were going to disable her app while they verified her account information. The caller took the driver’s phone number, date of birth, and driver’s license number for verification purposes.
When the caller told the driver, they cleared her of the accusation, they sent her an authorization code that was supposed to get the driver back on the Lyft app. What the authorization code was really for was so the scammers could put their debit card on the driver’s Lyft account. This allowed them to cash out the driver’s account, which cost the driver close to $500.
Now, you might be asking, how does this affect you, since you’re probably not a rideshare driver. Well, this could happen to anyone who works what is called a ‘gig economy’ job. You could receive a phone call claiming to be from the host platform saying there is something wrong with your account that could delay your payment. If you receive a phone call like that, tell them you’ll call them back, and check directly with the platform, itself. Most if not all gig economy apps should have a feedback link where you can contact the company.
With most of the country experiencing record-breaking heatwaves, we probably don’t have to tell you that 2023 is on its way to being the hottest year in recorded history. So, leave it to the scammers to use the sweltering heat to intimidate their victims into giving them money. While shut-off scams are common during this time of year, scammers are now packing a one-two punch of shut-off scams.
Shut off scams typically depend on weather extremes. They tend to hit during blizzards and cold snaps, or punishing heatwaves. In the shut-off scam, scammers will pose as the power company when calling their victims. The scammers threaten their victims with having their electric service terminated for a past due balance. Victims are then told their service will be turned off in 15-30 minutes if a payment isn’t made immediately. Scammers will ask for payment in unusual means such as gift cards, but we’ve seen instances where victims are directed to make payment at Bitcoin ATMs.
However, this summer we’re seeing another shut-off scam in addition to the power shut-off scam. Scammers are also posing as the local water company while threatening to shut off service. Being threatened with having your water turned off may even be more intimidating than having your electricity turned off. Then again, some homes can’t even have their water function without electricity. So, either way, this scam could be a nightmare for any consumer.
It’s easy to protect yourself from this scam if you know about it. Utility companies, such as power and water, never call their customers and only give them a 15-minute warning before service is terminated. That should be the first red flag. Typically, utility companies will send several warnings in the mail before terminating service. Secondly, utility companies will never have you make payments to them in gift cards, cryptocurrency, or payment apps like Zelle and Venmo.
If you receive a phone call like this, hang up. Don’t give the caller any personal information, even if they seem to know who you are. Then call your local utility to verify your account is in good standing.
When we started posting about Zelle scams is when we first discovered how unhelpful banks can be when it comes to those who fell victim to these scams. Scammers will walk the victim through the Zelle app to have them transfer money to the scammers under false pretenses. Since the victim made the actual transaction, many banks will tell the victim they can’t get their money back. To the bank, or so they claim, the transaction looks authentic to them, so they can’t issue a refund to the victim.
However, occasionally, victims will have their money returned to them after they tell their story to their local media. This typically involves the victim going to their local TV news consumer reporter. In turn, the reporter asks the bank for comment, which more often than not results in the bank issuing a refund.
For example, a Massachusetts woman recently fell for a scam which resulted in her bank account being emptied by scammers. She received a call from scammers who were posing as PayPal to tell her there was in issue with her account. The scammers sent her a link to click on, and when she did, scammers took control of her phone. Before she knew it, $3500 was gone from her bank account.
Her bank allegedly denied her claim until her local news station got involved. The bank reportedly claimed they reversed their decision after their decision after the victim provided additional information.
But are these bank refunds a result of the plane crash principle? The principle says that we only hear about the planes that crash, but we don’t hear about the vast majority of planes that continually land safely.
Are banks issuing refunds to scam victims without the media getting involved? We’d like to think they are, but somehow, we doubt it. As someone once told us, banks are in the business of making money, not issuing refunds. Not to mention, if banks started issuing refunds on demand to scam victims, it won’t be long before scammers start claiming they’ve been the victims of scams.
The banks need to implement better initiatives to protect their customers from scammers. Education has not been enough, as scammers often intimidate their victims into ignoring the education. If just one major bank came forward with a new program to protect their customers from scammers, we’re sure it would not only be great PR for them, but they would probably attract many new customers.
However, it will most likely be a long time before that happens. In the meantime, we need to look out for ourselves. If you receive a phone call from any company related to money, like PayPal, Zelle, Venmo, or even your own bank, hang up, and call them back at the company’s official customer service number. You can find these numbers, if the company has one, on their website under the contact section.
Our first scam comes to us from Athens, Texas, where residents have been experiencing a twist in the arrest warrant scam, also known as a police impersonation scam. Typically, when scammers pose as police, they’ll call their intended victims and tell them they have a warrant out for their arrest, The scammers usually claim this for missed jury duty, but they can also claim a number of other infractions.
For example, residents of Athens have complained the scammers are accusing their victims of using their phone to transmit a photo that traumatized a child. Essentially, the scammers accused their victims of sending explicit material to a child. The victim is then asked to pay several hundred dollars over the phone to resolve the complaint.
That’s not how arrest warrants work. If there is a warrant for your arrest, especially one that’s supposedly this serious, the police are not going to call you over the phone. Also, no law enforcement agency will ask for money over the phone, and then ask for it in unusual ways, like gift cards or cryptocurrency, just to name a few.
If you receive a call like this, hang up and call your local police at their emergency number. Not only can you verify there is no warrant for your arrest, you can let the police know scammers are working in your area.
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Police in Connecticut are warning residents there has been an uptick in check washing. Check washing typically involves stealing checks that are in outgoing mail. Thieves often steal the mail from residential mailboxes, along with the outdoor drop-off boxes used by the US Postal Service. They then dip the written checks in a chemical solution that removes the ink from the check, so the thieves can write the checks to themselves.
The police in Connecticut are also warning residents the thieves can steal checks out of your trash. If you use your bank’s mobile app to deposit checks, and then throw the checks out, make sure they’re properly shredded before throwing them out, as check washing can still be performed on voided checks.
If you have to write a check, which is going in the mail, use a gel-based ink pen. The ink in gel pens is said to be more resistant to check washing. Also, don’t put the envelope that holds the check in your mailbox and the put the mailbox flag up. This is a signal to thieves there may be a check in there.
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Lastly, we’ve read about another AI voice-spoofing scam. There has been a rash of these scams nationwide over the past year or so. In this scam, the victim gets a phone call where the voice sounds like exactly like one of the victim’s loved ones. The scammers manipulate the loved one’s voice in such a way where it sounds like the actual loved one is in some kind of trouble and needs money to resolve the issue. Typically, the scammers ask for bail money, or in some cases a ransom. However, the loved one is usually unaware their voice is being used in a scam.
However, the recent news article we read out of Alabama, suggests scammers are using the voice-spoofing technique in identity theft. An Alabama woman received a call she thought was from her brother, but was actually from scammers. Instead of asking for money, they asked the woman for personal information. They then used this information to hijack her Facebook account and use that for additional scams. Police there have said the scammers used the videos the brother posted on social media to mimic his voice with AI.
We can’t say for sure, but this sounds like the scammers may have been asking for the woman’s security questions in case she lost her Facebook password. Considering the answers to these questions are something like “What was your first pet’s name?” or “What city were you born?” these may seem like innocuous questions coming from a close family member.
In cases like this, it’s best to ask the family member calling a question only they would know to verify their identity.
Whenever you list something online for sale, no matter what platform you use, there is an inherent risk of being scammed. Some platforms, such as Facebook Marketplace, are riskier than others. When a Baltimore man tried to sell a couch on Marketplace, he ended up being targeted by two different Zelle scams.
For context, Zelle is a personal payment app co-owned by some of the largest banks in the U.S. Your bank’s app may already have Zelle included without you even knowing. The Zelle app is actually very convenient if you or a loved one are in a jam and need some quick money. Then again, that’s the point of Zelle. It’s supposed to used between friends and family. However, scammers have adopted Zelle as one of their ways of getting money out of their victims.
When the Baltimore man listed his couch on Marketplace for $100, the buyer wanted to pay through Zelle. The man received an email that appeared to come from Zelle. The email said the man needed a Zelle Business Account to accept the payment. To achieve that, the man would need to ask the buyer for $300 and then return $200 to the buyer. Not only is there no such thing as a Zelle business account, this is a known scam among online sellers. Any time a buyer or someone acting on behalf of the buyer asks you to return money, it’s a swindle. If the seller had gone through with this payment, he would have lost $200.
The man felt like he was being scammed, so he decided to call Zelle customer service to verify that. He is said to have googled the phone number for Zelle and called them. Except it wasn’t Zelle. The customer service number he found on Google, actually went to a scam call center. Scammers often take out ads or use shady search engine optimization (SEO) tactics to get their scam numbers list above the legitimate ones. This call center ended up emptying the man’s bank account of $6000.
When selling online, it’s best to avoid accepting payment on apps like Venmo, Cash App, or Zelle. While these apps are great when used normally, they’re too vulnerable to scams like this. More often than not, the companies or banks behind the app will not return money lost in a scam. It’s better to have a policy of only accepting cash.
If you’ve ever had to travel by air, then you’re probably familiar with flight delays and cancellations. Unfortunately, they’re an inevitable part of flying. Or maybe you got stuck in traffic and missed your flight. When this happens, what’s the first thing you do. For some, it’s to get on the phone with their airline to see if they can reschedule a new flight to get to their destination. But very few people have the customer service number memorized or saved to their phone. So, they’ll Google the airline’s number, and the next thing they know, they’ve paid five times the original ticket price and are still stuck at the airport without an updated flight.
When a weary and frustrated traveler calls a scam call center, a scammer, posing as a customer service agent, will tell the traveler they can book them a new flight with no problem. Except, the new ticket costs multiple times more than the original ticket price. Then the scammers will either ask for your payment information, or they’ll ask for an unusual payment method like gift cards or cryptocurrency. As you can probably imagine, they’re not booking anyone a new flight, either.
If you find yourself in this situation, don’t rely on search engines for phone numbers. Instead, go to the airline’s website and find their customer service number there. If you do call an unauthorized customer service number and the customer service rep doesn’t mention the airline’s name when answering your call, that could be a good indicator you’re talking to a scammer. Lastly, when flying, use a credit card whenever possible. Credit cards offer much more protection than a debit card.
Let’s just come right out and say it. Funeral scammers are ghouls. Most people are at their lowest emotional point when they’re confronted with having to inter a loved one. Since scammers use emotional manipulation as one of their tools, they’ve decided that when families are grieving is the best time to target them in a scam. But not just any scam, mind you. Scammers are specifically targeting the funeral home process to try to extort money from their victims. And unfortunately, this scam is starting to become even more prevalent.
Funeral scammers will comb the obituaries of the recently deceased. Traditionally, obituaries will contain the name of the funeral home that’s taking care of the deceased’s funeral proceedings. While spoofing the funeral home’s phone number, scammers will call the deceased’s family claiming to be from the funeral home. Typically, the scammers will say an item was left off the billing or that the family needs to pay some form of additional insurance before asking for an immediate payment over the phone. In some instances, the scammers will even act like they’ll hold the deceased’s remains hostage until a payment is made.
Recently, funeral scammers targeted a family from the Philadelphia area. Just hours after the deceased’s obituary had been published, scammers were calling the family looking for money. The scammers used a funeral home employee’s name they had gotten from the funeral home’s website. They told the family urn/casket insurance had not been purchased and would need to be done so immediately. Thankfully, the family recognized this for what it was, and hung up the call. They called the funeral home themselves just to verify they had spoken to a scammer.
In the unfortunate event you have to plan a funeral for a loved one, it’s recommended to get an itemized statement from the funeral home. This will go a long way in helping to protect you and your family from these scammers.
It’s a shame the grieving have to be warned about funeral scams, but unfortunately, that is the world we live in today.
We’re pretty sure it goes without saying that bank customers are one of the largest targets of scammers. If we’re not being assailed by text messages telling us to protect hacked accounts through Zelle, our debit card information is being stolen through skimmers, or people are trying to get us to deposit phony checks. Now, bank scammers are pulling an old scheme which seems almost antiquated by today’s standards.
According to a report out of Florida, several residents have received robocalls from scammers posing as banks. And we say banks, we mean a few different banks. At one point, a potential victim could receive a robocall that says it’s from Bank of America, while getting one shortly later that says they’re from Wells Fargo. However, both robocalls say the same thing.
The robocalls will tell you a purchase you made with your debit card has been declined, and your card has been blocked. The message also provides a customer service number for the recipient to call. The customer service number leads to a scam call center, where the scammers will attempt to obtain not only your financial information but, possibly, your money as well.
If you were to get one of these robocalls, and it says it’s from Bank of America, and you actually bank at Bank of America, that’s a coincidence. That also goes for most of the major banks. Scammers will set out the widest net possible in order to catch as many potential victims as they can.
If you receive one of these robocalls, do not call the number they leave. Instead, call your bank’s customer service number from the back of your debit card. If you were to call the scammers’ number, they would only need a little bit of information or a touch of misdirection before they could empty your account and disappear into the wind.
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