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  Geebo 8:00 am on October 28, 2021 Permalink | Reply
  Tags: bank scam ( 64 ), Chase ( 13 ), customer service ( 49 ), identity theft ( 96 ), phishing, Scams ( 1,219 )   

  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.

   

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  Geebo 8:00 am on October 27, 2021 Permalink | Reply
  Tags: advance fee scam ( 42 ), identity theft ( 96 ), lottery scam ( 12 ), phishing, Scams ( 1,219 )   

  Scammers pose as Powerball winner 

  

  By Greg Collier

  We all have dreams of what we would do if we won a multi-million dollar lottery like Powerball. We even think of how generous we would be if we won. A lot of us even think about being charitable with the money, even if it’s paying off our parent’s mortgage or buying a friend a new car. Others even think about donating a large chunk of the winnings to charity or even total strangers. It’s that last part that scammers hope you’ll believe in being on the receiving end of the donation to a total stranger.

  The Better Business Bureau is warning consumers that scammers are posing as a somewhat famous Powerball winner from Wisconsin. The actual winner was a man who won a $768 million lottery jackpot in 2019. He was a retail employee before hitting the jackpot. After winning, he was known to go back to his previous employer just to hand out gift cards to random customers in the store.

  Scammers are using this man’s name in a phishing scheme. They claim to be the Powerball winner and are sending out text and social media messages telling people nationwide they’ve been chosen to receive a $50,000 gift The victims are then instructed to click on a link which will help them claim their gift. Victims have reported giving scammers their Social Security numbers along with their driver’s license information. Those two pieces of information are essentially the keys needed to steal your identity completely. Other victims have reported losing money when asked for processing fees and taxes.

  We understand there are people out there who are in dire financial need. The pressure and stress of these situations can cause almost anybody to misjudge a situation. However, if you receive an unsolicited message promising you money out of the blue, the odds are almost 100% that it’s a scam. The generous lottery winner that gives out free money is largely only seen in fiction. Even if a lottery winner wanted to give out money to random strangers like this, the legalities and logistics of doing so would make it not worth doing.

   
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  Geebo 8:00 am on September 10, 2021 Permalink | Reply
  Tags: economic impact payment ( 21 ), IRS ( 22 ), phishing, Scams ( 1,219 ), stimulus checks ( 19 )   

  There is no stimulus surprise 

  

  By Greg Collier

  It’s been months since the IRS issued their last round of economic impact payments, otherwise known as stimulus payments. At the time of this writing, there are no current plans to issue a fourth round of stimulus payments. However, that hasn’t stopped scammers from using promises of additional payments to get what they want from their victims. In fact, the IRS recently said that the number of scams they’ve received complaints about has been the highest that they’ve seen in over a decade.

  Recently, there’s been a nationwide uptick in scammers using the promise of stimulus payments to get information or more from their victims. The methods aren’t new, but the message is. Scammers are sending out texts and emails that claiming that the victim has been specially chosen by the President to receive a surprise credit. Other messages have stated that the victim has unclaimed stimulus money. Even more messages posing as the government ask victims for their banking information, claiming that the IRS needs it again to send out another stimulus payment. All the messages contain a link that the scammers hope you click on. Moe than likely, the link will take you to a phony website asking for your personal and financial information, which the scammers can then use for any number of illicit purposes.

  As always, there’s a good way to avoid this scam if you keep one thing in mind. The IRS does not communicate by text message or email, and they especially don’t do it out of the blue. If the IRS or just about any government agency needs to contact you for some reason, they will almost always do so through the postal mail. Everyone else is almost guaranteed to be a scammer.

   
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  Geebo 8:00 am on July 16, 2021 Permalink | Reply
  Tags: AirPods, Amazon ( 103 ), Apple ( 28 ), phishing, Scams ( 1,219 ), sweepstakes ( 25 ), text messaging ( 32 )   

  Amazon raffle text is a scam 

  

  By Greg Collier

  The Better Business Bureau is reporting that they’ve received complaints in the hundreds about a new texting scam. Considering the number of people who report things to the BBB, there are probably thousands more who are receiving this scam text message. And once again, due to their popularity and ubiquity, online retailer Amazon is having their name used in this new scam. The same could be said for Apple, as one of their more popular products is being used in the scam.

  As you can see above, the text message gives off the impression that you’ve won a pair or Apple AirPods from Amazon. All you have to do is click the link in the text message. The link takes you to a fraudulent website that looks like Amazon but isn’t. You’re then asked to enter your financial information to pay for a $6 shipping charge. Except, your card isn’t charged for $6 and instead is charged for close to $100. For your trouble, you still get a pair of earbud style headphones in the mail, but they’re a cheap knockoff that are probably worth less than the supposed shipping charge.

  When it comes to things like online raffles and sweepstakes, you need to keep one rule in mind. You can’t win a contest that you didn’t enter. Corporations like Amazon don’t do random surprise drawings to give away prizes. It’s also illegal for any contest or sweepstakes to make you pay for your prize, this includes shipping. It’s also recommended that you don’t click on random links in text messages and emails. These links could lead you to scam websites such as this or inject malware into your device.

  It might be a cliché, but it’s a cliché for a reason. If sounds too good to be true, it probably is.

   
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  Geebo 8:00 am on June 1, 2021 Permalink | Reply
  Tags: bank scam ( 64 ), phishing, PNC Bank ( 3 ), Scams ( 1,219 ), text messaging ( 32 )   

  Responding to a scam text 

  

  By Greg Collier

  PNC Bank has been dealing with many text message scams. Like many banking scams, the text messages say that there is an issue with the recipient’s PNC account. The text message then gives a phone number that the recipient can call to rectify the issue. As you’ve probably guessed, the phone number doesn’t belong to PNC and instead goes to a phony customer service department. But aren’t you just a little bit curious to know what happens if you were to call that phone number?

  A cybersecurity expert in the Pittsburgh, Pennsylvania area recently received one of these PNC scam texts. He knew right away it was a scam because he didn’t bank with PNC. However, he decided to call the number provided in the text to see what happens. He was greeted by an automated message that instantly asked for his Social Security number. The automated message then asked for not only his banking PIN but his debit card number as well. As you can imagine, if a scammer were to get a hold of this information, someone’s bank account could be immediately emptied.

  It’s not just PNC that is dealing with this. Fifth Third Bank is also currently dealing with a similar scam. Considering scammers will send out these texts en masse no matter who you bank with, you should be suspicious of texts that claim to come from your bank. Especially if they’re claiming there’s an issue with your account. If you receive a banking text like this, and it appears to be coming from your bank, do not click on any link in the text or call the number the text might provide. Instead, call the number on the back of your debit card or go to the bank’s website to find the actual customer service number.

   
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  Geebo 8:00 am on May 24, 2021 Permalink | Reply
  Tags: economic impact payment ( 21 ), fake websites ( 10 ), identity theft ( 96 ), phishing, Scams ( 1,219 ), stimulus checks ( 19 )   

  Scammers are still using stimulus checks as bait 

  

  By Greg Collier

  Even after a year and three stimulus payments from the government, scammers are still using the promise of stimulus checks as bait in their ongoing scams. When the stimulus payments were issued, most taxpayers received their payments by direct deposit in their bank accounts. However, for various reasons, a large section of the population had great difficulty in receiving their payments. Scammers are now said to be trying to take advantage of those people in this latest scam.

  According to reports, scammers are sending out emails promising to help its recipients obtain unclaimed stimulus money. The email has a link which takes victims to a website which asks for your personal information, so they can send you information on how to apply for unclaimed stimulus checks. This could lead to a number of scams. First and foremost it could be a front for identity theft, especially if the scammers ask for financial information. This also reminds us of the unclaimed property scam where scammers could be charging money to help you obtain stimulus money that they have no intentions of delivering.

  Please keep in mind that the only people who can help you with a stimulus related issue is the IRS. The IRS will never send out unsolicited text messages or emails, and they only tend to communicate by mail. Anybody else who is promising to get you stimulus money is more than likely a con artist. If you have had issues with getting your stimulus payments, the best place to go to resolve the issue is the IRS’s Economic Impact Payments website. If you think you may have unclaimed money that’s not related to the stimulus payments, you can go to the USA.gov website.

   
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  Geebo 8:00 am on April 22, 2021 Permalink | Reply
  Tags: package delivery ( 8 ), phishing, Scams ( 1,219 ), USPS ( 13 )   

  The delivery text message scam returns 

  

  By Greg Collier

  Last year, we discussed the delivery text messaging scam both pre- and post-pandemic. How the scam worked in the past was you’d receive a text message informing you that something you ordered online couldn’t be delivered, and you need to update your preferred delivery method. A link would be provided for you to confirm your delivery.

  If you clicked the link, you’d have been taken to a phony Amazon page where you’d be asked for your login information. The fake Amazon page will then ask you to fill out a customer service survey in order to claim a prize. After you win the prize, you’ll be asked to pay for shipping by providing your financial information. In essence, scammers just stole your Amazon login along with your credit or debit card info. Put those two things together and victims of the scam could be looking at some expensive purchases on their Amazon account with their own payment information with the actual items being sent to some scammer. In other cases, victims were signed up for a subscription service that charged their card $100 every month.

  Now, the scam seems to have returned with a twist. Previously, the texts would appear like they’re coming from UPS, FedEx, DHL, and Amazon. More recently, the text messages appear like they’re coming from the United States Postal Service. This new version of the scam has been popping up all over the country as we have seen reports from New York, Texas, and South Dakota just to name a few.

  Please keep in mind that no delivery service nor the USPS will ever text you out of the blue. These companies cannot text you unless you sign up for their text service first. Plus if these services did text you, the texts would not include a scammy looking link.

  If you receive a text that looks like the image above or something similar, just delete it. The best way to handle scammers is to not engage with them whatsoever.

   
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  Geebo 8:47 am on April 13, 2021 Permalink | Reply
  Tags: Google ( 29 ), Google Photos, identity theft ( 96 ), phishing, Scams ( 1,219 )   

  Google Photos scam wants your password 

  

  By Greg Collier

  It’s difficult to live an online life without using some of Google’s services. For example, if you’re using an Android phone, you’re already entrenched in the Google ecosystem. Because of that, you’re probably using Google services that you might not be aware that you’re using. Google Photos is one of those services. If you use an Android phone you’re probably using Google Photos without even knowing it. In most Android phones, Google Photos will back up the pictures you take with your phone to the cloud. Due to the sheer number of people who use Google Photos, it has become an avenue for identity thieves.

  According to reports, scammers are sending out phony emails that say someone has shared their Google Photos Album with you. These are phishing emails that are said to look authentic. If you click on the link to the supposed photo album you’re asked to enter your Google username and password. Except the website where you just entered your Google information isn’t a Google website. Instead, it’s a website set up by scammers to steal your Google login information.

  Please take a moment to think how much your online life is contained in your Google account. In just your Gmail alone there is probably enough information to steal your identity easily. Between banking information and social media accounts, someone with access to your Google account could essentially take over your identity and ruin it for years to come.

  As is the norm with most phishing emails, you should never click on the link any of these emails contain. On your computer, hover your cursor over the link to see where the link actually directs you. Check for misspellings of actual web addresses used by real companies. Also, don’t click on any links that have been shortened by a link shortening service as they can disguise the links true destination.

   
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  Geebo 8:00 am on March 31, 2021 Permalink | Reply
  Tags: college ( 14 ), income tax ( 12 ), IRS ( 22 ), phishing, Scams ( 1,219 )   

  College students targeted in tax scam 

  

  By Greg Collier

  With it being tax season, tax scams are on the rise. We’re not talking about the kind of tax scam where federal agents show up at your door because you claimed the squirrels in your yard as dependents. We’re talking about the kind where is either trying to separate you from your refund, or using the promise of a refund to steal your information. The latest targets in this kind of tax scam are college students.

  The IRS is warning people that anyone with an email address ending in .edu is vulnerable to this scam. The scam is essentially a phishing attack. The student receives an email that appears to be from the IRS asking the recipient to click on a link that’s labeled either “Tax Refund Payment” or “Recalculation of your tax refund payment.” If the victim clicks on the link they’re taken to a website that asks for personal information like name, date of birth and Social Security number.

  Theoretically, college students are a prime target for identity thieves. At that age they may have established any serious credit yet which is the holy grail for identity thieves. Identity thieves could use a young victim’s credit for years before the victim ever realizes it.

  There’s been this stereotype that’s been going around forever that young people are better with technology than their parents. While that may be true, they may also be unsure of how filing their income taxes and receiving a refund works. So, they might think that this phishing email is a legitimate way of claiming their income tax refund. We realize that our readers tend to be from a different demographic than college students, but we also realize that you may have a college student in your family. If you do, you may want to warn them about this potential scam.

   
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  Geebo 8:00 am on March 29, 2021 Permalink | Reply
  Tags: coronavirus ( 40 ), covid-19 ( 48 ), phishing, Scams ( 1,219 ), survey scam   

  Vaccine survey could be a scam! 

  

  By Greg Collier

  People all over the country have been reporting that they’ve been receiving emails and text messages asking them to fill out a survey about the COVID-19 vaccine. The messages even appear to look like they’ve been sent by one of the major manufacturers of the vaccine. So far, close to 50 million people in America have been fully vaccinated. This gives scammers a pretty large target. The messages are almost certainly sent out at random, but the odds are pretty good they’ll reach someone who has been vaccinated.

  The majority of these survey scams promise the recipient a free gift if they fill out the survey. Of course, the free gift comes with a catch. While the gift may be free, the survey takers are asked for their credit or debit card information to pay for shipping. The gift doesn’t actually exist, and the scammers are just out to get as many card number as they can. Officials have also warned people to not click on any links contained in the messages as they could potentially lead to your device being infected with malware.

  The surveys themselves are even said to be asking for sensitive information that could be used for identity theft. It seems like the survey scammers don’t want to leave any digital stone unturned when it comes to gathering as much data about you as possible. If you receive one of these messages, it’s recommended that you delete it immediately and not click on any of the links they contain. If you’ve already lost money to this scam, you’re asked to report it to the FTC.