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  • Geebo 9:00 am on January 17, 2023 Permalink | Reply
    Tags: , , , Scams   

    Don’t hand your phone to strangers 

    Don't hand your phone to strangers

    By Greg Collier

    Before the advent of the smartphone, your wallet used to be the one thing you couldn’t leave the house without. Now, except for drivers’ licenses, just about anything your wallet used to hold can be done though your smartphone. Many smartphone superusers don’t even carry wallets anymore and just use their phone. Thanks to tap to pay platforms like Apple Pay, many don’t need to even carry their debit or credit cards anymore. However, too many smartphone users don’t treat their phone like they would their wallets.

    In a suburb of Memphis, Tennessee, some teenage scammers set up shop outside a supermarket. They claimed to be selling candy to help their football team. Like many of us today, their victims were not carrying cash. When the scammers were told by the victim they didn’t have any cash, the scammers would ask if the victim could support their YouTube channel. The scammers then offer to pull up their YouTube channel on the victim’s phone. What the scammers were really doing was going into the victim’s Cash App and sending the victim’s money to themselves. Some victims were taken for $300 while at least one other lost $1800 to the scam.

    This is a variation of a scam we’ve seen before. Previously, scammers would act as if they needed to call someone as if they were in an emergency situation. The scammers would then use the victim’s unlocked phone to access any number of financial accounts.

    The scam described above is essentially the same as handing someone your wallet so they can put their business card inside it. You wouldn’t just hand your wallet to a complete stranger so you shouldn’t do so with your phone.

    However, if you still want to help people out who may be needing your phone’s assistance, there are ways to protect yourself. Many apps like Cash App and Venmo have security precautions you can enable, so these apps can only be accessed by the phone’s owners. These can be done either by using a PIN or fingerprint scan, depending on the type of phone being used. This way you can still help those in need to make phone calls without risking your finances.

     

  • Geebo 9:00 am on January 16, 2023 Permalink | Reply
    Tags: , Scams, ,   

    Even with agents, property buyers can still be scammed 

    By Greg Collier

    A Durham, North Carolina man loved his home and loved the trees that loomed over his backyard. He wanted to keep the trees standing, but he didn’t own the property the trees stood on. He always thought that if that property became available, he would love to buy it. Recently, the man received a text from a neighbor of his who saw that the property was being listed for sale. The man contacted his real estate agent to help with the purchasing process.

    The man’s real estate agent dealt with the property’s listing agent, which was in nearby Chapel Hill. The listing agent instructed the man to wire $10,000 to the owner of the property, who just happened to be in Vietnam. The Durham man even questioned the method of payment, but was assured by the listing agent that this was appropriate. They closed on the property after another $20,000 was wired overseas. The closing document stated that the owner was now in South Africa.

    About a month after the deal closed, the man received a phone call from his agent telling him that the deal was a fraud. The people the listing agent were dealing with were not the owners of the property, but scammers. The man’s agent informed him that he would be getting his money back, but only received $19,000. The listing agent ended up paying the remainder back to the man out of their own expenses.

    Even professionals can be taken in by scammers. In this case, the listing agent did not verify if they were talking to the actual owners of the property. That’s not to say there weren’t red flags. Anytime when dealing with real estate, and you’re asked to wire money overseas, it’s time to step back and assess the situation. In this instance, the agent’s insurance was able to cover the man’s loss, but in most situations that money would be gone forever.

    When buying a property, insist on going through the traditional closing methods if you’re asked to wire money. If the sellers refuse, there’s a good chance you’re dealing with a scammer.

     

  • Geebo 9:00 am on January 13, 2023 Permalink | Reply
    Tags: , , , , , JPMorgan Chase, Scams   

    Bank accuses customer of being scammer 

    By Greg Collier

    A man from Spokane, Washington had been running a one-man business making out of his home making skis and snowboards. However, his business recently took a financial hit after the man fell victim to what sounds suspiciously like a Zelle scam.

    He received a text message that appeared to come from his bank, JPMorgan Chase. The text message stated that someone was trying to withdraw a large amount from his bank account and asked if it was him. The man responded no to the text and received another text that said someone from Chase Bank will call you.

    The call appeared on the man’s caller ID as Chase Manhattan Bank. The man was told by the caller that he would need to fill out to keep his money in his account. The man was directed to open his Chase Bank app and was walked through several steps until a form popped up. The man agreed to the form, and before he knew it, scammers had transferred $29,000 out of his account to a couple of banks in Florida.

    We can’t say for sure that this was a Zelle scam, but most Zelle scams start out the same way, with scammers posing as the victim’s bank. Coincidentally, JPMorgan Chase is part owner of Zelle’s parent company Early Warning Services, along with several other major banks.

    And Chase is said to have reacted similarly to when a customer of any bank is scammed through Zelle. Actually, according to the victim, Chase went beyond just denying the man a refund. According to him, the bank accused him of being the actual scammer. His local branch manager allegedly accused the man of setting up the scam with the man’s buddies, so they could make a claim on the lost money.

    Victims of similar scams are usually told since they authorized the transfer of funds, even under false pretenses, they would not be eligible for a refund. But to be accused by your bank that you’re trying to scam them is just reprehensible. The man had no choice at this point to go to his local media to try to get some form of recompense. After such an accusation, one might think that legal proceedings will begin at some point against Chase.

    Even though you may have been using the same bank for however many years, they are not your friend. Their main goal is to be profitable, even if that means losing a loyal customer now and again. To put it bluntly, they’re looking after themselves.

    To best protect yourself from this scam is to not respond to any text messages that claim to be from your bank or any other financial institution. If you do receive one of these texts, call your bank directly at their customer service number from their website or the back of your debit or credit card.

     

  • Geebo 9:00 am on January 12, 2023 Permalink | Reply
    Tags: , , , , , Scams   

    Scams prey on desperate jobseekers 

    By Greg Collier

    Pundits and naysayers will try to tell you that nobody wants to work anymore. What many claim the real problem to be is that many employers won’t pay a living wage. So, some jobseekers could be forgiven for ignoring red flags when being offered a job with good wages from someone who turns out to be a scammer.

    A woman in Arizona recently lost $5000 to a scammer who promised her a $72,000 a year job. The scammers claimed to be from a legitimate company that is headquartered in Australia, but has positions in the US. This would be a work from home position, and she was hired after an audio-only online interview. Then a scam familiar to our readers began to take hold.

    The Arizona woman was sent a check for $5000 by her supposed employer. She was instructed to deposit the check into her banking account, keep $300 for herself, and use the remaining $4700 to buy office equipment for her position. So, she deposited the check and after the check showed up in her account, she bought $4700 worth of money orders and sent them to the so-called office equipment vendor.

    But, as this story always goes, the check sent to the victim turned out to be a fraudulent check. Banks will make the funds available after a deposit out of courtesy within a few days. However, it takes longer than that for the banks to determine a check is fake. This leaves scam victims in the lurch, with them usually having to pay the amount of the check back to the bank.

    No real employer will ever ask you to deposit a check into your banking account, then ask you to use the money to pay someone else. Most big businesses have fleets of accountants and accounts payable people to make payments like that.

    If you’re hired very quickly after an online interview or hired on the spot, there’s a good chance the offer isn’t legitimate. If they’re representing themselves as being from an actual company, go to their website to see if the position they’re offering actually exists.

     

  • Geebo 9:00 am on January 11, 2023 Permalink | Reply
    Tags: , , , Scams,   

    New Social Security scam uses old form of contact 

    New Social Security scam uses old form of contact

    By Greg Collier

    For a few years now, there have been scams that threaten to suspend a victim’s Social Security number. In one of the more common instances of these scams, scammers will call their victims, posing as either law enforcement or the Social Security Administration. Typically, the scammers will their victims that their Social Security number was used in the commission of a crime. The scammers will often tell their victims that a car was rented near the Southern Border using their Social Security number and that drugs were found in the car. If the victims don’t pay an immediate fine, their Social Security number will be suspended and they could face possible prosecution.

    Before we get to the new version of this scam, we’d like to reassure our readers that none of these things can happen. A Social Security number cannot be suspended, and neither the police nor the SSA will ever call you to threaten you with arrest.

    As we said, typically this scam is done over the phone. However, a new version of this scam is using an older method of communication that makes the scam appear more legitimate. People have recently reported receiving letters in the mail that threaten them with the suspension of their Social Security number. The letters claim to be from the SSA and threaten the recipient with suspension in 24 hours. The letters go on to say that due to criminal activity in Texas, the victim’s Social Security number is involved in a multimillion dollar fraud. The letter then directs the recipient to call a toll-free number to settle matters.

    According to news reports, the letters contain clues that it’s a scam. For example, the letters aren’t addressed to anyone by name. The letters also use the European date format, which uses the date first and then the month. That’s not even taking into account that how can a number be suspended in 24 hours if the sender has no idea when the letter will get there?

    While the SSA does its legitimate communications through the mail, any letter that claims to be from them that comes off as threatening should be questioned. No recipient should ever call the phone number in the letter, as it will go to a scammer looking to steal the victim’s money and identity. Instead, call the SSA directly at 1-800-772-1213.

     

  • Geebo 9:00 am on January 10, 2023 Permalink | Reply
    Tags: , , , Scams,   

    Rental scammers get more creative 

    By Greg Collier

    Scams can almost be considered living organisms unto themselves. They constantly adapt and evolve, so they can survive and multiply. Take the rental scam for example. Not too long ago, rental scammers would just claim that they were the landlords to a property but couldn’t be there in person since they were doing missionary work overseas. They would then have their victims send payment through money transfer services. Then consumers started catching on to the scam. From there, the rental scam has branched off into an untold number of scams with different methodologies designed to extract the maximum amount of money from their victims.

    In Blount County, Tennessee, the Sheriff’s Office is warning its residents about a rental scam that took place through Facebook Marketplace. The victim found a home for rent on Marketplace. The victim also saw that the home was listed as for rent on Zillow. Rather than contacting the realtor listed on Zillow, the victim went back to Marketplace and responded to the scammer.

    The scammer even went as far as to set up a walkthrough for their victim using the realtor listed on Zillow. But again, the victim kept going back to the Marketplace scammer where they were instructed to send a $1000 deposit through a Bitcoin ATM.

    The victim probably kept going back to the Marketplace scammer because the Marketplace listing had a lower rent in that listing. If there are two listings for the same property that have differing rent amounts, the listing with the lower amount is almost guaranteed to be a scam listing. Prospective renters should also avoid sending deposits through nontraditional means like cryptocurrency or payment apps like Venmo and Zelle.

    Selecting a new home should never be a rash decision because of what may look like a good deal. When dealing with multiple listings for the same property, the one being shown through a realtor rather than some stranger off the internet is probably the valid one. When in doubt, you can always check with the county’s tax office or website that can provide you the correct information about who owns the property.

     

  • Geebo 9:00 am on January 9, 2023 Permalink | Reply
    Tags: , , , Scams,   

    Scam steals your mail without coming to your home 

    By Greg Collier

    Previously, we’ve discussed scams that involve stealing your mail from your mailbox. Check washing is a major problem with that. Scammers steal mail for a number of reasons, but mostly for identity theft reasons. Even junk mail can open an avenue into your personal information to scammers. However, there are some scammers who don’t even need to go to your home to steal your mail.

    The state of Wisconsin is warning its residents to be aware if they stop receiving mail at their homes. Scammers there are said to be using USPS’ change of address options to have victims’ mail delivered straight to the scammers. . Just about anyone can go to the post office and change someone’s mailing address.

    When someone does fill out a change of address form, the USPS sends a confirmation letter to the old address letting residents know that their mailing address is about to change. While you can check your mailbox every day, a lot of us aren’t home during the day, and scammers have been known to stalk their victims’ mailboxes and take what they need, this could include the confirmation letter.

    However, if you do receive the confirmation letter, and you haven’t changed your address, go to the post office immediately and report it.

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

     

  • Geebo 9:00 am on January 6, 2023 Permalink | Reply
    Tags: , , , Scams   

    Scammers are too deep into our personal lives 

    By Greg Collier

    As we’ve said before, if we were asked what the most common scam is, we’d have to say the arrest warrant scam. Scammers across the country pose as law enforcement, including spoofing their phone numbers to make it look like police are calling their victims. The scammers tell their victims that they owe some kind of fine and need to pay it immediately or get arrested. The most common form of this scam is where victims are told they’ve missed jury duty.

    Usually, that’s enough for a victim to pay the scammer money. However, there is a variation of this scam that targets professionals. For example, if a victim ever had to testify in court as an expert witness, you could be targeted for this scam.

    In North Carolina, a woman was targeted in just such a scam. She’s a physical therapist who had testified in a lawsuit as an expert witness about a client of hers who had been injured in a car crash. The scammers used publicly available information to convince her she had missed a required court appearance. She was told that her physical therapist license could be in jeopardy if she did not pay a court fine immediately over the phone. She was also told that her phone was being tracked and that she couldn’t talk to anyone else about the fine because of a gag order.

    The scammers then sent her through an ordeal to get the money she needed to pay this fictitious fine. She withdrew the money from her bank, and the bank teller even commented on the large withdrawal. The victim replied she couldn’t comment on it because she was still on the phone with the scammers, thinking they were police.

    She was instructed to drive to five different Walmarts to send the money in smaller payments, more than likely through a money transfer service. She was also told that she needed to set up an appointment for a signature verification test. If her signature did not match the one on the subpoena, she would get her money back. So, she thought she would go to the police department to make the appointment.

    At this point, the scammers tried to get her to stay in her car. They told her she could be arrested if she went inside, since there was an active warrant for her arrest. She didn’t listen to them and went inside, where police told her she had been scammed. The victim had lost over $10,000 in the scam.

    Just because someone has a lot of information about you, that doesn’t make them the police. As shown in this story, even just a little bit of publicly available information can be used to scam victims. In many other scams, the scammers have used private information, such as the last four digits of a victim’s Social Security number or credit card. This information is usually gathered after a data breach and can be bought on the dark web. They can even use information that they’ve gathered from a victim’s social media accounts. While a scammer may know a lot about you, that doesn’t make them an authority on you and should be hung up on.

    Please keep in mind, police would never call someone and threaten them with arrest if they didn’t pay them immediately. If a victim did owe a fine or court cost, they wouldn’t be asked to go to Walmart or any other store to make the payment. And gag orders are only applied to participants in an ongoing court case, not people who haven’t even been arrested yet. Anytime something feels wrong on a phone call, hang up and call the department or business they claim to be calling from.

     

  • Geebo 9:00 am on January 5, 2023 Permalink | Reply
    Tags: army, , , pay scam, Scams,   

    Pay scam targets junior military members 

    Pay scam targets junior military members

    By Greg Collier

    For the newest members of our nation’s military, life can be rough. A bunch of 18-year-olds are embarking on their first journey into the real world while being shipped to any number of training camps states away from their homes and family. Now, imagine these fresh recruits with little life experience are being targeted in a scam designed to steal their money. You can hardly blame them for falling victim to such a scam.

    Fort Huachuca in Arizona, Fort Benning in Georgia, and West Point military academy, are all warning new recruits about a pay scam that leaves their victims without money. Scammers are posing as high-ranking military officials and calling the recruits to tell them that there is something wrong with their pay. The recruits are then instructed that in order to receive their pay and back pay, the recruit needs to first send money through Venmo, Cash App, Zelle, PayPal, or Apple Pay. Recruits who hesitate on sending the money are threatened with disciplinary action. According to one report, 74 soldiers have recently lost a total of $143,000 to pay scammers.

    According to the Army, if there really was an issue with a recruit’s pay, the matter would be handled at the recruit’s supporting military pay office. Even when serving in the military, no one should ever have to pay money to get money. Anyone who is asking a recruit to do so is more than likely a scammer. If you’ve been affected by this scam, the Army requests that you report it immediately to your chain of command. A complaint can also be filed with the Internet Crime Complaint Center.

    If you have a friend or family member who recently entered the service, no matter which branch they’re serving with, you may want to share this story with them. Serving our country is already a difficult task. Our men and women of the armed services should not have to deal with scammers like this.

     

  • Geebo 9:02 am on January 4, 2023 Permalink | Reply
    Tags: , Damar Hamlin, , Scams   

    Beware of fake charities in injured NFL player’s name 

    Beware of fake charities in injured NFL player's name

    By Greg Collier

    By now, most of us have heard about the devastating injury that happened to Buffalo Bills safety Damar Hamlin during Monday night’s game. For those who may not know, Damar collapsed on the field during the Bills’ game at Cincinnati. Damar was attempting to tackle a Bengals player when he took a helmet to the chest. While the hit didn’t appear to be that hard, it had enough of an impact to send Damar into cardiac arrest. He rose from the field after the hit before collapsing. As of the time of this writing, Damar Hamlin remains in critical condition and is on a ventilator.

    Prior to his injury, Damar had set up a GoFundMe that would help children affected by the pandemic in his Pennsylvania hometown of McKees Rocks to get toys for Christmas. However, Damar’s GoFundMe has now been set up to help Damar fight his current battle, as his family put it. Thanks to the generosity of the American public, Damar’s GoFundMe has raised over $5 million.

    His family has also stated that Damar’s GoFundMe is the only fund being used by his family. To that end, a representative for Damar has said that scam accounts have shown up claiming to collect money for Damar. There is also a warning to avoid donating money to any Venmo or Cash App accounts that are claiming to be collecting money for Damar Hamlin.

    We here at Geebo.com would like to offer our thoughts to Damar Hamlin’s family at this time, and we’re hoping for his recovery.

    If you’d like to donate to Damar’s GoFundMe, you can do so here.

     

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