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  Greg Collier 8:00 am on July 8, 2026 Permalink | Reply
  Tags: CAPTCHA, ClickFix scam, cybersecurity ( 39 ), I'm not a robot, Scams   

  The “Prove You’re Human” Scam That’s Anything But 

  

  By Greg Collier

  By now, just about everyone has encountered one.

  You visit a website, and before you can continue, you’re asked to click a box that says, “I’m not a robot,” identify traffic lights in a series of pictures, or solve a simple puzzle.

  These tests, known as CAPTCHAs, serve an important purpose.

  They’re designed to tell the difference between a real person and an automated computer program, or “bot.” Websites use them to stop hackers from flooding login pages with stolen passwords, creating thousands of fake accounts, or overwhelming websites with automated traffic.

  In other words, they’re meant to protect both you and the website you’re visiting.

  Unfortunately, scammers know people have become so accustomed to these verification checks that they’re now using them as bait.

  Meet the ClickFix Scam

  Cybersecurity experts are warning about the return of a scam known as ClickFix.

  Unlike a legitimate CAPTCHA, ClickFix doesn’t simply ask you to click a checkbox or identify pictures.

  Instead, it claims you need to complete an additional verification step by copying and pasting computer commands into your own device.

  That should immediately set off alarm bells.

  No legitimate website needs you to open your computer’s command prompt, Run dialog, Terminal, or any other system tool just to prove you’re a human.

  If a website asks you to do that, you’re not completing a security check.

  You’re helping install malware.

  How the Scam Works

  The scam starts with what appears to be a familiar security prompt.

  It might claim there’s been suspicious activity or that an additional verification step is required.

  Then the instructions become unusual.

  Victims are told to:

  • Press Windows + R or open the Run dialog.
  • Open Terminal on a Mac.
  • Copy and paste a block of code.
  • Press Enter.

  Many people assume they’re simply completing a newer version of a CAPTCHA.

  They’re not.

  They’re executing malicious code on their own computer.

  Why This Is So Dangerous

  Normally, your computer’s security software tries to stop malicious downloads and suspicious programs.

  ClickFix sidesteps many of those protections because you’re voluntarily telling your computer to run the code.

  Once executed, the malware can:

  • Steal saved passwords.
  • Capture usernames and login credentials.
  • Access email accounts.
  • Install remote access software.
  • Allow scammers to return to your computer whenever they want.
  • Collect banking information and other sensitive data.

  The victim unknowingly opens the front door for the attacker.

  Why This Scam Works

  ClickFix succeeds because it takes advantage of something we’re all familiar with.

  People have spent years clicking CAPTCHAs without giving them much thought.

  Scammers are betting that when users see another “prove you’re human” message, they’ll simply follow the instructions without questioning them.

  It’s a clever twist on a trusted security feature.

  The criminals aren’t hacking your computer.

  They’re convincing you to do it for them.

  Red Flags

  Be suspicious if any “human verification” asks you to:

  • Open the Windows Run dialog.
  • Open Command Prompt or PowerShell.
  • Launch Terminal on a Mac.
  • Copy and paste computer code.
  • Download software before continuing.
  • Disable your antivirus.
  • Install browser extensions you weren’t expecting.

  Real CAPTCHAs don’t ask you to do any of those things.

  They usually involve clicking a checkbox, selecting images, solving a simple puzzle, or completing a brief challenge that happens entirely within your browser.

  How to Protect Yourself

  If you encounter a suspicious verification page:

  • Close the webpage immediately.
  • Never copy and paste code you don’t fully understand.
  • Never run commands provided by a website.
  • Keep your browser and security software updated.
  • Use strong, unique passwords and enable multi-factor authentication whenever possible.
  • If something feels unusual, trust your instincts.

  Remember, legitimate websites are trying to verify you.

  They’re not asking you to reprogram your computer.

  If You Already Ran the Code

  If you think you’ve fallen for a ClickFix scam:

  • Disconnect your computer from the internet.
  • Run a full antivirus and anti-malware scan.
  • Change passwords for important accounts using a different, clean device.
  • Enable multi-factor authentication if it isn’t already turned on.
  • Contact your bank if financial information may have been exposed.
  • Monitor your accounts for suspicious activity.

  The sooner you respond, the better your chances of limiting the damage.

  Final Thoughts

  Scammers are constantly looking for ways to turn familiar online experiences into opportunities for fraud.

  The ClickFix scam is effective because it imitates something people see every day. It takes a trusted security feature and twists it into a way of getting victims to infect their own computers.

  Fortunately, there’s one simple rule that can keep you safe.

  If a website claiming to verify you’re human asks you to open system tools and run code, you’re not proving you’re a person.

  You’re proving you’re the scammer’s next target.

   

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  Greg Collier 8:00 am on July 6, 2026 Permalink | Reply
  Tags: puppy scam ( 38 ), Scams, TikTok ( 15 )   

  Puppy Scams Are Still Stealing Hearts and Wallets 

  

  By Greg Collier

  For many families, bringing home a new puppy is an exciting milestone.

  Unfortunately, scammers know that emotions often outweigh caution when someone falls in love with photos of an adorable dog online.

  One recent victim learned that lesson the hard way after what began as a $600 puppy purchase spiraled into more than $16,000 in payments. Despite paying fee after fee, the puppy never arrived.

  Sadly, this wasn’t a new scam.

  It’s one of the oldest internet scams around, and it continues to claim victims because fraudsters know exactly how to manipulate hopeful pet owners.

  The Puppy That Never Came Home

  The victim had waited several years after losing a beloved dog before deciding it was finally time to welcome another puppy into the family.

  While on TikTok, he found what appeared to be a breeder advertising a chocolate Labrador puppy for sale.

  The price seemed reasonable, and he paid a deposit.

  When meeting in person supposedly became impossible, the breeder offered to ship the puppy instead.

  That’s when everything changed.

  Soon there were additional charges.

  First came shipping fees.

  Then crate rental fees.

  Then paperwork fees.

  Every payment was followed by the same promise:

  “Once you pay this, your puppy is on the way.”

  The victim even received access to what appeared to be a shipment tracking app showing the puppy traveling toward him.

  But the puppy never arrived.

  After two weeks of excuses and new requests for money, he had lost more than $16,000.

  Investigators later discovered the breeder’s listed address appeared to be vacant, raising even more questions about whether the breeder ever existed at all.

  How Puppy Scams Work

  Puppy scams have been around for years because they follow a simple but effective formula.

  The scammer advertises a desirable breed at an attractive price.

  The buyer becomes emotionally invested.

  Then the unexpected fees begin.

  Common excuses include:

  • Shipping costs
  • Veterinary certificates
  • Insurance fees
  • Special travel crates
  • Vaccination costs
  • Customs charges
  • Quarantine fees
  • Transportation permits

  Every payment supposedly solves the last problem.

  Instead, it simply creates another one.

  The scam continues until the victim either runs out of money or realizes there was never a puppy to begin with.

  Why People Keep Falling for It

  Most people aren’t thinking like investigators.

  They’re thinking about bringing home a new family member.

  Scammers understand that emotional connection.

  Once someone has imagined a puppy sleeping in their home or playing with their children, they’re far more likely to overlook warning signs.

  In many cases, victims become more determined to keep paying because they’ve already invested so much money.

  Scammers exploit that commitment.

  Red Flags

  Be cautious if:

  • The breeder refuses to meet in person.
  • The puppy can only be shipped.
  • Communication only happens through messaging apps.
  • Payment is requested through Cash App, Zelle, Apple Pay, cryptocurrency, or overseas bank accounts.
  • New fees keep appearing after you’ve already paid.
  • The seller creates excuses for delays.
  • The breeder cannot provide live video of the puppy.
  • The listed address or phone number cannot be verified.

  One red flag alone doesn’t always mean fraud.

  Several together should make you stop immediately.

  How to Protect Yourself

  Before buying a puppy online:

  • Visit the breeder in person whenever possible.
  • Ask for a live video call with the puppy.
  • Research the breeder independently.
  • Verify the breeder’s address.
  • Search for reviews from multiple sources.
  • Ask for veterinary records.
  • Be suspicious of sellers who refuse in-person pickup.
  • Never continue sending money because of unexpected fees.

  Legitimate breeders generally disclose costs upfront.

  They do not keep inventing new charges after the sale.

  If You Think You’ve Been Scammed

  If you’ve already sent money:

  • Stop making additional payments immediately.
  • Contact your bank or payment provider.
  • Report the fraud to local law enforcement.
  • Notify your state attorney general’s office.
  • Save all emails, text messages, payment receipts, and screenshots.
  • Report fraudulent websites and social media accounts where the puppy was advertised.

  The sooner you act, the better your chances of helping investigators identify the scammers.

  Final Thoughts

  Puppy scams continue to thrive because they don’t just steal money.

  They exploit hope.

  Victims aren’t chasing an investment or a bargain.

  They’re trying to bring home a new companion.

  That’s exactly why scammers keep using this scheme.

  If someone you’ve never met is asking for payment after payment while promising that your puppy is “almost there,” it’s time to stop.

  Because in most puppy scams, there never was a puppy.

  There was only a scammer counting on your love of animals to empty your wallet.

   
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  Greg Collier 8:00 am on July 3, 2026 Permalink | Reply
  Tags: FBI ( 35 ), impersonation scam ( 213 ), police impersonation scam ( 94 ), Scams   

  The FBI Investigation That Never Existed 

  

  By Greg Collier

  One of the biggest myths about scams is that they only happen to people who are careless.

  The reality is very different.

  The latest victim of an elaborate government impersonation scam was a successful architect preparing for retirement. He owned his own business, had decades of professional experience, and did many of the things experts recommend to verify who he was speaking with.

  He still lost a $250,000.

  His story is a reminder that modern scams are no longer simple phone calls from obvious fraudsters. They are carefully orchestrated psychological operations designed to make intelligent people believe they are doing the right thing.

  It Started With a Phone Call

  The victim received a call from someone claiming to work for U.S. Customs and Border Protection.

  Like many people, he immediately assumed it was another scam and hung up.

  Then the caller phoned back.

  That single detail made him pause.

  The caller claimed his identity had been connected to an international money laundering investigation involving suspicious packages and financial crimes. Since he couldn’t travel to Washington, D.C., he was told special arrangements would be made for him to meet with investigators remotely.

  From there, the scam escalated dramatically.

  The Investigation Looked Real

  Over the following weeks, the victim was drawn into what appeared to be a genuine federal investigation.

  The scammers:

  • Used Microsoft Teams for video meetings.
  • Claimed to be FBI officials and Justice Department prosecutors.
  • Displayed convincing government backgrounds and FBI insignias.
  • Sent official-looking legal documents.
  • Produced what appeared to be an arrest warrant.
  • Presented fake evidence supposedly linking the victim to criminal activity.
  • Required him to check in every two hours to prove he was complying with the investigation.

  The victim even searched online for the names of the officials involved and discovered they were real government employees.

  That discovery convinced him the investigation had to be legitimate.

  In reality, the scammers had simply assumed the identities of actual government officials.

  Fear Is a Powerful Weapon

  The scammers didn’t rely on greed.

  They relied on fear.

  They convinced the victim he could be arrested.

  They told him his assets might be frozen.

  They warned him not to tell anyone because the investigation was confidential.

  These tactics are common in government impersonation scams.

  When someone believes they are facing criminal charges, panic often overrides critical thinking.

  Victims stop asking whether something makes sense and start asking how they can make the problem go away.

  The Money Disappeared

  Eventually, the scammers claimed the victim could avoid arrest by posting what they described as bail.

  Believing he was protecting himself and his future, he wired more than $100,000.

  The scammers then claimed additional funds were needed.

  By the time everything was over, he had transferred approximately a quarter of a million dollars.

  Then the scammers vanished.

  Why Intelligent People Fall for These Scams

  Stories like this often lead people to ask:

  “How could anyone believe this?”

  The better question is:

  “Why are these scams becoming so effective?”

  Modern scam operations are highly organized.

  They invest weeks or even months building trust.

  They use real names, real agencies, professional-looking documents, and increasingly sophisticated technology.

  Artificial intelligence has made it easier than ever to create convincing emails, fake documents, cloned voices, and realistic video meetings.

  The goal isn’t simply to fool someone.

  It’s to overwhelm them emotionally until they stop questioning what they’re being told.

  Red Flags

  Government agencies do not:

  • Demand secrecy during investigations.
  • Require payments to avoid arrest.
  • Ask people to wire money or post “bail” through unofficial channels.
  • Tell someone not to speak with their family or attorney.
  • Conduct investigations entirely through messaging apps or video meetings with payment instructions.

  If someone claiming to be from a government agency asks for money, treat it as a major warning sign.

  What You Should Do

  If you receive a call claiming to be from a federal agency:

  • Hang up.
  • Look up the agency’s official phone number yourself.
  • Call the agency directly using publicly listed contact information.
  • Do not use phone numbers, email addresses, or links provided by the caller.
  • Never wire money because someone threatens arrest.
  • Talk to a trusted family member or friend before taking any action.
  • If you believe you’ve been targeted, report the incident to your local law enforcement agency and the FBI’s Internet Crime Complaint Center (IC3).

  Final Thoughts

  Government impersonation scams continue to evolve.

  Criminals understand psychology as well as technology. They know how to create urgency, isolate victims, and build credibility using real names, fake credentials, and convincing stories.

  The victim in this case wasn’t reckless or uninformed. He was an experienced professional who questioned the initial phone call, researched the names he was given, and still found himself trapped in an elaborate deception.

  That’s the lesson everyone should take away.

  Scammers aren’t looking for gullible people.

  They’re looking for ordinary people who are busy, stressed, and caught off guard.

  And with today’s technology, almost anyone can become their next target.

   
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  Greg Collier 8:00 am on July 1, 2026 Permalink | Reply
  Tags: charity scam ( 46 ), earthquake ( 3 ), natural disasters ( 27 ), Scams, Venezuela   

  Scammers Are Exploiting Venezuela Earthquake Relief 

  

  By Greg Collier

  When disaster strikes, one of the first reactions many people have is to help.

  They see the images and hear the stories. They want to send money, supplies, or support to people who are suffering.

  That generosity is exactly what scammers look for.

  Following the devastating earthquakes in Venezuela, fraud experts are warning that criminals may try to take advantage of people looking to help by creating fake charities, fraudulent donation websites, and fake crowdfunding campaigns.

  While the warning came from the Better Business Bureau in Texas, this is not just a concern for people in one community.

  Disaster donation scams are a national problem.

  Whenever a major tragedy happens anywhere in the world, scammers know there are millions of people willing to open their wallets.

  A Disaster Creates the Perfect Scam Opportunity

  The pattern is familiar.

  A major disaster happens.

  People search for ways to help.

  Scammers quickly create fake ways to donate.

  The fraud can appear as:

  • Fake charity websites
  • Social media donation posts
  • Fake crowdfunding pages
  • Emails requesting donations
  • Videos or images designed to create an emotional response

  The scammer’s goal is not to provide relief but to take advantage of compassion.

  How Disaster Donation Scams Work

  These scams often rely on urgency.

  A fake organization may claim:

  “Thousands need help right now.”

  “Donate before it is too late.”

  “Every dollar matters.”

  The emotional pressure is intentional.

  Scammers want people to act quickly without researching who is actually receiving the money.

  A fake charity may use:

  • A legitimate-sounding name
  • Stolen photos
  • Fake stories about victims
  • AI-generated images
  • A professional-looking website

  To someone trying to help, it can look completely real.

  The Venezuela Earthquake Scam Warning

  The recent earthquake disaster in Venezuela is exactly the type of event criminals exploit.

  According to the Better Business Bureau, scammers may create fake organizations claiming to provide relief efforts for affected communities.

  Some may pretend to represent established charities.

  Others may create new organizations that have no history of helping in disaster areas.

  One major warning sign is a charity that suddenly appears after a disaster and immediately starts asking for money.

  That does not automatically mean it is fake.

  But it does mean donors should slow down and investigate.

  Be Careful With Crowdfunding Pages

  Crowdfunding has become a popular way for people to raise money during emergencies.

  Sometimes it is legitimate.

  Sometimes it is a scam.

  Fraudsters may pretend to be:

  • Earthquake victims
  • Family members of victims
  • Local volunteers
  • Relief organizers

  They may use stolen pictures and fake personal stories to convince people to donate.

  The safest crowdfunding donations are usually ones involving someone you personally know.

  If a random campaign appears online from an unfamiliar person asking for donations after a disaster, be cautious.

  Payment Methods Can Reveal a Scam

  One of the biggest warning signs is how someone wants your money.

  Be extremely careful if a donation request asks for:

  • Cryptocurrency
  • Wire transfers
  • Gift cards
  • Cash transfer apps

  These payment methods are popular with scammers because they can be difficult or impossible to recover.

  For legitimate charitable donations, using a credit card is generally safer because there may be more options if something goes wrong.

  Red Flags

  Before donating, watch for:

  • Newly created charities with no track record
  • Pressure to donate immediately
  • Requests for unusual payment methods
  • No clear explanation of where the money goes
  • No information about who operates the organization
  • Emotional posts that provide no details
  • Social media accounts created recently

  A real charity should be able to answer basic questions.

  Who are you?
  Where does the money go?
  How is the aid delivered?
  What percentage reaches the people who need it?

  How to Check Before You Donate

  Before giving money:

  Research the organization
  Look up the charity independently.

  Do not rely only on links sent through:

  • Email
  • Text messages
  • Social media posts

  Visit the official website
  Type the website address yourself instead of clicking a donation link.

  Check nonprofit status
  Verify the organization through official nonprofit records.

  Look at transparency
  A trustworthy organization should explain:

  • Its mission
  • Its leadership
  • Its programs
  • How donations are used

  What If You Already Donated?

  If you believe you gave money to a fake charity:

  • Contact your bank or credit card company
  • Ask if the payment can be stopped or disputed
  • Save screenshots and receipts
  • Report the website or account
  • File a report with consumer protection agencies

  The sooner you act, the better.

  The Hard Truth About Disaster Scams

  The most frustrating thing about these scams is that they target people doing something good.

  The victims are not trying to make money.

  They are trying to help.

  Scammers understand that generosity is powerful, and they use it against people.

  Every major disaster creates a new wave of fraud attempts.

  The location changes.
  The story changes.
  The fake charities change.

  But the strategy stays the same.

  Create an emotional connection.
  Create urgency.
  Collect money.

  Final Thoughts

  The earthquakes in Venezuela have created a situation where many people around the world want to provide support.

  That generosity matters.

  But helping starts with making sure your donation actually reaches the people who need it.

  Before you give, take a few minutes to verify.

  Because scammers are always watching for moments when people are at their most compassionate.

  And during a crisis, the best way to help is not just to give.

  It is to give wisely.

   
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  Greg Collier 8:00 am on June 29, 2026 Permalink | Reply
  Tags: scam reporting ( 2 ), scam victims ( 7 ), Scams   

  Why Scam Victims Stay Silent 

  

  Scams have become part of everyday life.

  A fake text message.
  A suspicious phone call.
  A fraudulent email.
  A social media message from someone pretending to be a friend.

  For many Americans, avoiding scams has become a daily challenge.

  But while scam attempts are everywhere, many victims never report what happened.

  They do not report to police. They do not report to government agencies. Sometimes they do not even tell their own families.

  That silence is precisely what allows scammers to keep operating.

  Scams Are Everywhere

  According to new surveys from The Associated Press-NORC Center for Public Affairs Research and Gallup, Americans are being overwhelmed by scam attempts.

  More than half of adults surveyed said they receive suspected scam calls, texts, emails, messages, or online advertisements every day.

  Another survey found that about 1 in 10 Americans said they or someone in their household lost money or provided access to a financial account because of a scam in the past year.

  Overall, about 3 in 10 Americans say they have personally lost money or personal information to a scam.

  The problem is not limited to one type of fraud.

  People are dealing with:

  • Fake bank alerts
  • Package delivery scams
  • Romance scams
  • Investment scams
  • Social media impersonation
  • Online shopping scams
  • Identity theft attempts

  Scammers are constantly changing their methods, but the goal remains the same:

  Get someone to trust them long enough to hand over money or information.

  Why Don’t People Report Scams?

  One of the biggest problems in fighting fraud is that many victims never report it.

  According to the surveys, many people believe reporting will not make a difference.

  Some victims think:

  • The money is already gone
  • The scammer will never be caught
  • Authorities cannot help
  • They will be embarrassed

  Others simply do not know where to report a scam.

  That creates a dangerous cycle.

  When scams go unreported, law enforcement and consumer protection agencies have a harder time understanding how widespread a scheme is.

  A scam that appears to be one isolated incident may actually be part of a much larger operation.

  The Shame Factor

  One reason many victims stay silent is embarrassment.

  People often think, “How could I fall for this?”

  But scammers are not relying on victims being careless.

  They are professionals.

  They use psychological tactics designed to create fear, urgency, trust, or excitement.

  They impersonate trusted organizations, create fake websites, build fake relationships, and use artificial intelligence to make scams look more convincing.

  Falling victim to a scam does not mean someone is unintelligent. It means a criminal successfully used a manipulation technique.

  Reporting Does More Than Try to Recover Money

  One of the biggest misconceptions about reporting scams is that the only purpose is getting money back.

  Unfortunately, recovery is often difficult.

  Once money leaves through cryptocurrency, wire transfers, gift cards, or other irreversible methods, it may never be recovered.

  But that does not mean reporting is pointless.

  Reports help:

  • Identify scam patterns
  • Connect victims to larger investigations
  • Warn other potential victims
  • Provide information about criminals’ methods
  • Help agencies and companies fight fraud

  A single report may not recover your money, but it could help prevent someone else from losing theirs.

  Who Should You Report To?

  If you have been targeted by a scam, consider reporting it to multiple places.

  Your Bank or Financial Institution:
  This should often be your first step if money or account information was involved.

  They may be able to:

  • Freeze transactions
  • Investigate activity
  • Secure your accounts

  The Federal Trade Commission:
  The FTC collects scam reports through its fraud reporting system.

  Reports help track trends and identify widespread fraud schemes.

  Local Law Enforcement:
  Especially if:

  • You lost a significant amount of money
  • Your identity was stolen
  • There is a local connection
  • A scammer physically interacted with you

  The Platform Where It Happened:
  If the scam came through:

  • Facebook
  • Instagram
  • WhatsApp
  • A marketplace website
  • A dating app

  Report the account or listing.

  What Information Should You Save?

  If you are reporting a scam, keep everything.

  Save:

  • Emails
  • Text messages
  • Phone numbers
  • Screenshots
  • Payment records
  • Website addresses
  • Names used by scammers
  • Cryptocurrency wallet information if applicable

  Even small details can help investigators connect cases.

  Reporting Early Matters

  Many scams move quickly.

  A scammer may disappear after receiving money, shut down an account, or move funds through multiple platforms.

  The sooner a report is made, the better the chance that something can be done.

  Even if you believe it is too late, report anyway.

  How to Help Someone Else Report

  Many scam victims do not come forward because they feel ashamed.

  If someone you know has been scammed:

  Do not start with:
  “How did you fall for that?”

  Start with:
  “Let’s figure out what happened.”

  The goal is to get them help, not make them feel worse.

  Scammers already rely on victims feeling isolated.

  Final Thoughts

  Scams are no longer rare events that happen to a few unlucky people.

  They are a daily threat affecting millions of Americans.

  The surveys indicate that people are being targeted constantly, and many victims are staying quiet because they do not believe reporting will help.

  But silence only benefits scammers.

  Reporting may not always bring back lost money, and recovery is never guaranteed.

  However, every report creates a clearer picture of how criminals operate.

  The scammer wants you to feel embarrassed, powerless, and alone.

  The best response is the opposite.

  Speak up.
  Report it.
  Warn others.

  Because the next person a scammer targets may be someone you know.

   
• 

  Greg Collier 8:00 am on June 26, 2026 Permalink | Reply
  Tags: collection agency ( 2 ), debt collectors ( 13 ), fake debt, healthcare ( 48 ), medical bills ( 4 ), medical debt, Scams   

  The Medical Debt Scam: When a Bill Might Not Be Real 

  

  By Greg Collier

  For many people, few things are more stressful than receiving a medical bill.

  You are already dealing with an illness, an injury, or the loss of a loved one. Then comes a letter demanding payment for thousands of dollars.

  Most people assume the bill must be legitimate. After all, it comes from a hospital or a collection agency.

  But a new lawsuit involving a Michigan hospital system is raising concerns about a different kind of financial threat: people potentially being asked to pay medical debts they may not actually owe.

  The allegations in the lawsuit are disputed and have not been proven in court. But the case highlights an important warning for consumers.

  A bill arriving in your mailbox does not automatically mean the debt is valid.

  The “Fake Debt” Allegation

  The lawsuit was filed after the estate of a Michigan man received a bill following his death.

  According to court documents, the man was rushed to a hospital after a medical emergency during an oral surgery procedure. His insurance company later negotiated a payment with the hospital, and the hospital agreed to accept a reduced amount that covered the emergency services.

  But the lawsuit claims the hospital later sent a separate bill for more than $40,000 to the estate.

  The complaint alleges that the balance was not legally owed because the insurance agreement had already resolved the payment.

  It further alleges that the hospital referred the balance to a collection agency, which continued attempting to collect the money.

  The lawsuit claims this practice affected other patients as well and argues that some people may have paid medical debts they did not actually owe.

  The hospital and collection agency have not responded publicly to the allegations.

  How Medical Debt Problems Can Turn Into Financial Damage

  Medical billing is complicated.

  Unlike a simple purchase where you know the price before you pay, healthcare costs can involve:

  • Insurance negotiations
  • Adjusted payments
  • Out-of-network rules
  • Government programs
  • Collection agencies
  • Multiple bills from different providers

  That complexity is exactly why some consumers may not question a bill.

  A person may think:

  “The hospital sent it, so it must be correct.”

  But mistakes happen. And according to consumer advocates, confusion around medical billing can make people more likely to pay something simply because they do not understand what they are seeing.

  Why This Matters for Families Handling Estates

  One of the biggest concerns in this case involves estates.

  When someone dies, family members are often already overwhelmed with paperwork, expenses, and legal responsibilities.

  A collection notice can create pressure to pay quickly.

  But before paying a medical debt connected to a deceased family member, it is important to verify:

  • Whether the debt is valid
  • Whether insurance already covered the service
  • Whether the amount being requested is accurate
  • Whether the person requesting payment has the legal right to collect

  Paying a questionable bill simply to make it go away could make it harder to dispute later.

  Red Flags That a Medical Bill Needs a Second Look

  Be cautious if:

  • The amount seems much higher than expected
  • Insurance already paid for the service
  • You receive multiple conflicting bills
  • A collection agency contacts you before you understand the original charge
  • The provider cannot clearly explain the balance
  • You are pressured to pay immediately

  A legitimate medical debt should be able to be explained.

  What You Can Do If You Receive a Suspicious Medical Bill

  1. Do Not Immediately Pay

  Before sending money, review the bill carefully.

  Look at:

  • The date of service
  • The provider
  • The amount charged
  • Insurance payments
  • Remaining balance

  2. Contact Your Insurance Company

  Your insurer can often explain whether the claim was processed correctly and whether additional money is actually owed.

  Ask for:

  • The explanation of benefits
  • The amount paid
  • Any patient responsibility listed

  3. Request Documentation

  If a provider or collection agency says you owe money, ask for written verification.

  You have the right to understand what the debt is for and how the amount was calculated.

  4. Dispute Errors

  If something appears incorrect:

  • Contact the medical provider
  • Contact the collection agency
  • Submit disputes in writing
  • Keep copies of all communication

  Do not rely only on phone calls.

  5. Check Your Credit Report

  Medical debt collection activity can sometimes affect your credit.

  Review your reports for unfamiliar accounts or incorrect information.

  6. Get Help If Needed

  For complicated situations, consider contacting:

  • A consumer protection agency
  • A patient advocate
  • A legal professional

  The Bigger Problem: People Trust Official-Looking Requests

  Scammers have always understood that people respond differently when a request appears official.

  That is why fraudsters impersonate:

  • Banks
  • Government agencies
  • Police departments
  • Delivery companies

  And medical debt disputes show another area where consumers can feel pressured.

  A letter from a hospital.
  A call from a collection agency.
  A statement saying “this balance is your responsibility.”

  Those things can feel intimidating.

  But intimidation is not proof that a debt is valid.

  Final Thoughts

  The allegations in this lawsuit will ultimately be decided through the legal process. But the situation highlights a larger lesson for consumers:

  Never assume a bill is correct just because it looks official.

  Whether it is a scammer pretending to collect money or a disputed debt from a legitimate company, the same rule applies:

  Verify first.

  A few phone calls, a review of your insurance records, and asking questions could prevent you from paying money you never actually owed.

   
• 

  Greg Collier 8:00 am on June 24, 2026 Permalink | Reply
  Tags: crypto scam ( 4 ), cryptocurrency ( 65 ), pig butchering scam ( 21 ), Scams   

  Trust, Lies, and $700,000 Lost 

  

  By Greg Collier

  For many scam victims, the moment they realize they have been deceived is the worst part.

  The money is gone. The person they trusted was fake. And the opportunity they believed in never existed.

  But some scams are especially devastating because they are not built around a single lie. They are built around months of manipulation.

  That is the idea behind one of the most dangerous online fraud schemes today: the pig-butchering scam.

  A man in Fuquay-Varina, North Carolina, recently shared his story after losing more than $700,000 in an elaborate cryptocurrency investment scam. His goal is not just to recover what he lost. It is to warn others before they experience the same thing.

  What Is a Pig-Butchering Scam?

  The name sounds unusual, but the method behind it is simple.

  The term refers to the way scammers slowly build trust with victims before eventually taking as much money as possible. Unlike many scams that rely on a quick emotional reaction, pig-butchering scams are designed to be long-term operations.

  The scammer does not immediately ask for thousands of dollars.

  They start by creating a relationship.

  It may begin through:

  • Social media
  • Dating platforms
  • Messaging apps
  • Online communities

  The scammer becomes a trusted contact. They talk regularly. They build a connection. And they create the impression that they care about the victim’s future.

  Eventually, the conversation shifts toward money.

  The scammer introduces the idea of a lucrative investment opportunity, often involving cryptocurrency.

  That is when the financial damage begins.

  How the Scam Works

  The victim is convinced they are making smart financial decisions.

  The scammer may show:

  • Fake investment platforms
  • Fake account balances
  • Fake profits
  • Fake market updates

  The victim believes their money is growing.

  In reality, they are sending funds directly to criminals.

  The numbers displayed on fake investment websites are meaningless. The profits do not exist. The account is simply a tool to convince the victim to send more.

  By the time the victim tries to withdraw their money, the scammer has already moved on.

  Why Crypto Is So Popular With Scammers

  Cryptocurrency has become a favorite tool for these fraudsters because it can move money quickly across borders.

  According to the report, experts say scammers often prefer cryptocurrency because it is easier to transfer than traditional financial systems.

  Law enforcement agencies have recovered billions of dollars in cryptocurrency connected to cybercrime, but recovering stolen funds remains extremely difficult.

  Even when investigators locate criminal networks or seize assets, identifying which victim’s money belongs to which case can be complicated because scammers often combine funds from multiple victims.

  The Hope of Getting Money Back

  One of the hardest parts of these cases is what happens after the scam is discovered.

  Victims often hear that investigators are working on recovery efforts. Sometimes money is recovered.

  But that is the exception.

  Not the rule.

  Recovery of funds lost in these types of scams is rare because scammers frequently move money quickly through multiple accounts, exchanges, and countries before authorities can intervene.

  In this case, the victim was told by investigators that a significant portion of his losses could potentially be recovered.

  That is welcome news.

  But many victims never see that outcome.

  For every recovery story, there are many others where the money is gone permanently.

  Why Smart People Fall for These Scams

  One of the biggest misconceptions about scams is that only careless people become victims.

  That is not true.

  Pig-butchering scams are successful because they are designed around human behavior.

  They exploit:

  Trust:
  The scammer creates a relationship before asking for money.

  Patience:
  The fraud may continue for months before the financial requests begin.

  Hope:
  The victim believes they have found a rare opportunity.

  Fear of Missing Out:
  The scammer creates the feeling that waiting means losing a chance at success.

  The victim is not just investing money.

  They are investing belief.

  Red Flags

  Be extremely cautious if someone:

  • Introduces you to a “guaranteed” investment opportunity
  • Claims they have secret knowledge about markets
  • Encourages cryptocurrency investments
  • Shows profits through an unfamiliar investment platform
  • Pressures you to move money quickly
  • Discourages you from talking to family or financial professionals
  • Wants you to keep the relationship or investment private

  A legitimate investment opportunity does not require secrecy.

  Quick Tip: Never trust an investment platform simply because someone online recommends it.

  Before sending money:

  • Research the company independently
  • Verify credentials
  • Talk to a trusted financial advisor
  • Be suspicious of anyone who contacts you unexpectedly about making money

  The Emotional Damage Is Real

  Financial loss is only part of what victims experience.

  Many victims feel embarrassed, ashamed, or angry at themselves.

  That embarrassment can prevent people from reporting scams, which only helps criminals continue operating.

  The reality is that these scams are professional operations designed to manipulate people.

  Reporting the crime is not admitting failure.

  It is helping create a record that can assist investigators and warn others.

  What You Can Do If You Are Targeted

  • Stop communicating with the scammer
  • Do not send additional money to “unlock” funds
  • Contact your bank or financial institution immediately
  • Preserve messages, transaction records, and account information
  • Report the scam to law enforcement and consumer protection agencies

  The longer you wait, the harder recovery becomes.

  Final Thoughts

  Pig-butchering scams are among the most damaging fraud schemes because they attack more than someone’s bank account.

  They attack trust.

  They convince victims that they are building a relationship, making an investment, or securing their future.

  By the time the truth appears, scammers have often already moved the money.

  The best defense is recognizing the warning signs before the relationship reaches that point.

  Because when it comes to these scams, prevention is usually far more realistic than recovery.

   
• 

  Greg Collier 8:00 am on June 23, 2026 Permalink | Reply
  Tags: bank scam ( 83 ), couriers ( 7 ), impersonation scam ( 213 ), rideshare scam ( 6 ), Scams   

  The Doorstep Scam Targeting Seniors 

  

  By Greg Collier

  Most scams happen entirely online or over the phone. A fake email. A suspicious text message. A fraudulent website.

  But some scams are different.

  They do not end with a payment link.

  They end with someone showing up at your home.

  That is precisely what makes the courier scam so dangerous.

  In a recent case in Arizona, an elderly woman was targeted by scammers pretending to be representatives from her bank. The scammers claimed her debit card and personal information had been compromised and convinced her that she needed to hand over her cards to a “courier” for investigation.

  Fortunately, the situation was interrupted before she lost thousands of dollars.

  But the scam itself is becoming an increasingly common tactic used by criminals targeting older adults.

  How the Courier Scam Works

  The setup usually begins with a phone call.

  The scammer pretends to be from:

  • A bank
  • A credit card company
  • A government agency
  • Law enforcement

  The caller claims there is a serious problem with the victim’s account.

  They may say:

  • Someone hacked their bank account
  • Fraudulent charges were detected
  • Their identity has been stolen
  • Their money needs to be protected

  The goal is to create panic.

  Then comes the most important part of the scam:

  The victim is told to keep everything confidential.

  The scammer may say they cannot tell family members, friends, or even the bank because it is part of an “investigation.”

  This isolation prevents someone else from stepping in and stopping the fraud.

  Once the victim is convinced, the scammer sends a courier to collect:

  • Debit cards
  • Credit cards
  • Cash
  • Jewelry
  • Other valuables

  The victim believes they are helping protect their own money.

  In reality, they are handing it directly to a criminal.

  A Ride That Turned Into a Rescue

  In this case, the scam was interrupted because a rideshare driver noticed something was wrong while picking up a passenger.

  The driver arrived to find an elderly woman approaching with her belongings while speaking on the phone. Something about the situation immediately seemed suspicious.

  The driver asked questions and quickly realized the woman was being instructed to turn over her financial information.

  After helping her contact her bank, it was confirmed that the bank had never requested her cards or personal information.

  The scam was stopped before the criminals could complete their plan.

  The Rideshare Driver Was the Exception

  While this story had a positive ending, it is important to understand something else about these scams.

  Rideshare drivers are often unknowingly used as part of criminal schemes.

  A scammer may simply order a ride and ask the driver to pick someone up from an address. The driver has no idea that the passenger has been manipulated or that the trip is connected to fraud.

  From the driver’s perspective, it looks like a normal ride.

  They are not involved in the scam.

  They are simply providing transportation.

  That is why this situation is the exception, not the norm. Most rideshare drivers will never know they were unknowingly involved in a scam attempt.

  Criminals rely on that.

  Why Scammers Use Couriers

  For years, scammers have relied on distance.

  They send emails.
  They make phone calls.
  They hide behind fake identities.

  But courier scams remove one of the biggest obstacles for criminals: getting the victim to hand over valuables.

  Instead of convincing someone to mail something or transfer money electronically, the scammer sends someone directly to the victim’s home.

  The personal contact makes the scam feel more legitimate.

  A victim may think:

  “Someone is coming to collect this, so this must be real.”

  That assumption is exactly what scammers want.

  Why Older Adults Are Targeted

  Older adults are frequently targeted because scammers believe they may be more trusting, less familiar with certain fraud tactics, or more likely to follow instructions from someone claiming authority.

  But anyone can fall victim to these schemes.

  Scammers are skilled at creating fear and confusion.

  When someone believes their bank account, identity, or finances are at risk, their first instinct may be to fix the problem rather than question whether the problem is real.

  Red Flags

  Be suspicious if someone:

  • Calls claiming to be from your bank and creates urgency
  • Says your account has been compromised
  • Tells you to keep the situation secret
  • Asks for your debit or credit cards
  • Sends someone to your home to collect items
  • Tells you not to contact your bank directly
  • Pressures you to act immediately

  Your bank will never send a courier to collect your cards.

  Quick Tip: If someone calls claiming there is fraud on your account, hang up and contact your bank using the official phone number on your card or statement. Do not use a number provided by the caller. Do not trust a caller ID display either. Scammers can spoof legitimate phone numbers to make their calls appear real.

  What You Can Do

  • Talk to family members or trusted friends before taking action
  • Never hand over cards, cash, or valuables to a stranger
  • Verify suspicious claims directly with your financial institution
  • Report suspected scams to law enforcement
  • Warn elderly family members about courier scams

  Final Thoughts

  The most frightening part of courier scams is that they bring a digital crime into the physical world.

  A scammer can make a phone call from anywhere, but the damage happens at someone’s front door.

  In this case, a person with experience recognizing suspicious situations happened to be there at the right time and helped stop the fraud.

  But that should not be the expectation.

  Most rideshare drivers, delivery workers, and other everyday people have no idea when they are unknowingly being used as a tool in someone else’s scam.

  That is why awareness matters.

  The call may be fake.
  The emergency may be fake.
  The investigation may be fake.

  But the financial loss is very real.

   
• 

  Greg Collier 8:00 am on June 22, 2026 Permalink | Reply
  Tags: fake beta, GTA VI, phishing ( 93 ), Scams, video games ( 4 )   

  We Got GTA 6 Scams Before GTA 6 

  

  By Greg Collier

  For years, gamers have been waiting for one title above almost everything else: Grand Theft Auto VI.

  The next entry in the legendary Grand Theft Auto franchise is arguably one of the most anticipated video game releases ever. The hype has been building for years, trailers have broken records, and millions of players around the world are waiting to return to the fictional city of Vice City.

  That excitement is precisely what scammers are trying to exploit.

  Before the game has even been released, criminals are already using fake beta invitations, fake websites, and AI-generated messages to trick gamers into handing over personal information, account credentials, and potentially even access to their computers.

  The game is not available early.

  But the scams are.

  The Fake Beta Test Scam

  The setup is simple.

  A gamer receives an email or message claiming they have been selected for an exclusive opportunity:
  Play GTA 6 before everyone else.

  The message claims the player has been chosen for a pre-release beta test. They are told they can help developers find bugs before the official launch.

  For someone who has been waiting years for the game, the offer can feel impossible to ignore.

  The problem is that the invitation is fake.

  According to cybersecurity experts, criminals are creating convincing websites and emails designed to look like official communications. With the help of artificial intelligence, scammers can now copy the style, branding, and appearance of legitimate companies more easily than ever.

  The goal is not to give players early access.

  The goal is to steal from them.

  How the Scam Works

  The fake websites often promise something every gamer wants: exclusive access.

  They may ask victims to:

  • Enter their gaming account login information
  • Provide personal details
  • Download files claiming to be the game
  • Install software needed for access
  • Enter fake beta codes

  Once the victim provides information, scammers can use it in several ways.

  They may:

  • Steal gaming accounts
  • Sell personal data
  • Access linked payment information
  • Install malware
  • Gain control of a computer

  In some cases, researchers found that fake game downloads contained malware that allowed criminals to connect to victims’ devices and potentially access sensitive information.

  Why This Scam Is So Effective

  This scam works because it combines three powerful tools scammers rely on:

  Anticipation:
  Gamers have been waiting years for this release. That emotional investment lowers skepticism.

  Exclusivity:
  The promise of being one of the first people to play creates a fear of missing out.

  Realistic Fake Messages:
  Scammers no longer need poorly written emails full of obvious mistakes. AI can help create polished websites and messages that appear legitimate.

  The result is a scam designed around one simple idea:

  Get people to act before they think.

  Why Gaming Is Such a Big Target

  The gaming industry is not a small entertainment market.

  Video games generate more revenue globally than movies and music combined, making gaming one of the biggest entertainment industries in the world by a significant margin.

  That massive audience creates a massive opportunity for criminals.

  A popular game release means:

  • Millions of interested players
  • Huge online communities
  • High demand for early access
  • Valuable accounts containing payment information and digital purchases

  To scammers, a major game launch is not just an entertainment event.

  It is a pool of potential victims.

  The AI Factor Makes Fake Offers More Convincing

  In the past, fake gaming scams were often easier to spot.

  Poor grammar.
  Obvious fake websites.
  Suspicious-looking links.

  That is changing.

  AI tools allow scammers to create professional-looking pages, realistic emails, and convincing messages that imitate legitimate companies.

  A fake beta invitation may look like something a real developer would send.

  That is exactly the point.

  The technology makes the scam more believable, but the strategy remains the same.

  Create excitement.
  Create urgency.
  Get the victim to click.

  Red Flags

  Be suspicious if someone offers:

  • Early access to a game that has not officially announced a beta program
  • A “secret” download link
  • A beta key from an unofficial website
  • A request for your gaming login information
  • A request to install unknown software
  • A deal that requires personal information first

  One of the biggest warning signs is simple:

  If it sounds too good to be true, it probably is.

  Quick Tip: Only trust announcements from official sources. For GTA 6, that means checking official announcements from Rockstar Games and legitimate digital storefronts like PlayStation Store or Xbox Marketplace. Do not trust random emails, social media posts, or websites promising early access.

  What You Can Do

  • Do not click unknown beta invitation links
  • Never enter passwords on unofficial websites
  • Use unique passwords for gaming accounts
  • Enable two-factor authentication when available
  • Avoid downloading unofficial game files
  • Keep security software updated
  • Verify announcements through official channels

  If You Fell for the Scam

  If you entered your gaming credentials into a suspicious website:

  • Change your password immediately
  • Enable two-factor authentication
  • Check for unauthorized account activity

  If you provided financial information:

  • Contact your bank
  • Monitor your accounts
  • Report suspicious transactions

  If you downloaded suspicious software:

  • Run a security scan
  • Remove unknown programs
  • Consider professional assistance if your device behaves unusually

  Final Thoughts

  Scammers have always followed attention.

  When millions of people are excited about something, criminals see an opportunity.

  The GTA 6 hype has created one of the biggest entertainment moments in gaming history, and scammers are trying to get ahead of the official release by selling something that does not exist.

  There is no shortcut to playing the game early.

  There is only a shortcut for scammers trying to get your information.

  The safest way to experience the next Grand Theft Auto chapter is the same way it has always been: wait for official announcements, use trusted sources, and do not let excitement override common sense.

   
• 

  Greg Collier 8:03 am on June 16, 2026 Permalink | Reply
  Tags: bitcoin atm ( 33 ), cryptocurrency ( 65 ), Scams, Tennessee ( 6 )   

  Tennessee Targets Crypto ATM Scams 

  

  By Greg Collier

  For years, scam victims have been told to buy gift cards, wire money overseas, or send payments through cash transfer services. More recently, another payment method has become a favorite among fraudsters: Bitcoin ATMs.

  Now, Tennessee has decided the problem has become too big to ignore.

  Beginning July 1, Tennessee will become the second state in the country to ban cryptocurrency ATMs outright. The move follows similar action in Indiana, which became the first state to prohibit the machines earlier this year.

  Supporters of the law say the machines have become a major vehicle for fraud, particularly against older adults and other vulnerable populations.

  Why Scammers Love Bitcoin ATMs

  Bitcoin ATMs themselves are not scams. They allow users to convert cash into cryptocurrency.

  The problem is that scammers have figured out they are one of the fastest ways to get money from victims while making recovery nearly impossible.

  According to fraud experts quoted in the Tennessee report, scammers often stay on the phone with victims the entire time. They direct them to their bank, tell them to withdraw cash, and then instruct them to drive to a gas station, convenience store, or other location with a cryptocurrency kiosk.

  The victim is then told to feed cash into the machine and send the cryptocurrency to a wallet controlled by the scammer.

  Once the transaction is completed, the money is usually gone.

  Law enforcement officials say tracing the funds can be extremely difficult because the cryptocurrency often moves through multiple exchanges before reaching its final destination.

  The Scams That Commonly Lead Victims to Bitcoin ATMs

  One thing many of these schemes have in common is fear.

  Scammers create a fake emergency and convince victims that immediate action is required.

  Some of the most common scams involving Bitcoin ATMs include:

  Government Impersonation Scams
  The scammer pretends to be from the IRS, Social Security Administration, or another government agency and claims the victim owes money or faces arrest.

  Law Enforcement Scams
  Fraudsters pose as police officers, federal agents, or court officials and tell victims there is a warrant for their arrest unless they make an immediate payment.

  Tech Support Scams
  Victims receive pop-up messages or phone calls claiming their computer has been hacked. The “technician” then convinces them to protect their money by transferring it through a Bitcoin ATM.

  Bank Fraud Scams
  Scammers claim the victim’s account has been compromised and instruct them to move their money to a “safe” account through cryptocurrency.

  Romance Scams
  Fraudsters build online relationships and eventually convince victims to send money through cryptocurrency because it is supposedly faster or safer.

  These scams work because most victims have never used cryptocurrency before. They assume the machine functions like a traditional ATM and do not realize that cryptocurrency transactions are largely irreversible.

  What’s Going On in Tennessee?

  According to the Tennessee Elder Justice Coalition, approximately $10 million was lost through cryptocurrency ATM scams in Tennessee during 2025 alone.

  Supporters of the ban argue that the machines provide little legitimate benefit while creating enormous opportunities for fraud.

  The new law will make it illegal to install, operate, or host cryptocurrency kiosks in Tennessee beginning July 1. Businesses that fail to remove them could face criminal penalties.

  The goal is not to ban cryptocurrency itself. Residents can still buy and sell cryptocurrency through other methods. The law specifically targets the physical kiosks that scammers frequently use to collect money from victims.

  Will the Ban Actually Stop the Scams?

  That remains to be seen.

  One concern raised in the report is that scammers may simply adapt.

  Fraudsters are incredibly resourceful when it comes to finding ways around obstacles. Experts interviewed for the story noted that criminals could simply direct victims who live near state borders to drive into neighboring states such as Kentucky, Alabama, or Georgia, where cryptocurrency kiosks remain available.

  In other words, removing the machines may make scams more difficult, but it may not eliminate them entirely.

  As we’ve seen with gift card scams, wire transfer scams, and payment app scams, fraudsters rarely abandon a successful scheme. They simply change their instructions.

  Red Flags

  Be extremely suspicious if someone:

  • Tells you to withdraw cash from your bank account.
  • Stays on the phone while directing your actions.
  • Claims your money is at risk and must be moved immediately.
  • Demands payment through cryptocurrency.
  • Directs you to a Bitcoin ATM.
  • Claims you must act immediately to avoid arrest, account closure, or legal trouble.
  • Tells you not to speak with family members, bank employees, or law enforcement.

  Legitimate businesses, government agencies, and law enforcement officers do not demand payment through Bitcoin ATMs.

  Quick Tip: If someone tells you to put cash into a Bitcoin ATM to solve a problem, stop immediately. No matter what story they are telling you, whether it involves taxes, a hacked bank account, a warrant, or a computer virus, it is almost certainly a scam.

  What You Can Do

  • Hang up on unsolicited callers demanding payment.
  • Contact the organization directly using a verified phone number.
  • Speak with a trusted family member or friend before sending money.
  • Ask your bank if the request sounds legitimate.
  • Report suspected scams to law enforcement and the FTC.
  • Remember that urgency is one of a scammer’s most powerful weapons.

  Final Thoughts

  Tennessee’s ban on Bitcoin ATMs reflects a growing recognition that these machines have become a preferred payment method for scammers.

  The state may remove the kiosks, but scammers are unlikely to disappear. As the article itself points out, fraudsters may simply redirect victims to machines in neighboring states or switch to another payment method entirely.

  The real solution remains the same as it has always been: education.

  Because regardless of whether scammers ask for gift cards, wire transfers, cryptocurrency, or the next payment method they invent, the warning sign is always the same.

  Someone is demanding money immediately and telling you not to stop and think.